{"id":28101,"date":"2025-03-27T20:18:02","date_gmt":"2025-03-27T20:18:02","guid":{"rendered":"https:\/\/multicredit.ch\/?p=28101"},"modified":"2026-02-17T14:18:19","modified_gmt":"2026-02-17T14:18:19","slug":"demander-un-credit-expatrie","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/fr\/demander-un-credit-expatrie\/","title":{"rendered":"Demander un cr\u00e9dit expatri\u00e9"},"content":{"rendered":"\n<p>Pour demander un cr\u00e9dit en tant qu&#8217;expatri\u00e9 en Suisse, voici les \u00e9tapes \u00e0 suivre :<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_1_Preparation_des_documents_necessaires\"><\/span>\u2705 <strong>1. Pr\u00e9paration des documents n\u00e9cessaires :<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Les banques suisses exigent g\u00e9n\u00e9ralement les documents suivants :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Passeport ou carte d&#8217;identit\u00e9 en cours de validit\u00e9.<\/strong><\/li>\n\n\n\n<li><strong>Permis de s\u00e9jour :<\/strong> Permis B, C, G ou L en fonction de votre statut en Suisse.<\/li>\n\n\n\n<li><strong>Contrat de travail :<\/strong> Preuve de votre emploi en Suisse, indiquant votre salaire, dur\u00e9e de l&#8217;emploi, et conditions g\u00e9n\u00e9rales.<\/li>\n\n\n\n<li><strong>Relev\u00e9s bancaires r\u00e9cents (souvent les 3 derniers mois).<\/strong><\/li>\n\n\n\n<li><strong>Justificatif d&#8217;adresse :<\/strong> Facture de services publics ou bail de location.<\/li>\n\n\n\n<li><strong>Attestation de revenus :<\/strong> Bulletins de salaire ou d\u00e9claration d&#8217;imp\u00f4ts.<\/li>\n\n\n\n<li><strong>Eventuellement, lettre de recommandation de votre employeur.<\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_2_Identifier_les_banques_adaptees\"><\/span>\u2705 <strong>2. Identifier les banques adapt\u00e9es :<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La plupart des banques suisses comme <strong>UBS, Cr\u00e9dit Suisse, Raiffeisen, PostFinance, et d\u2019autres institutions priv\u00e9es<\/strong> acceptent les demandes de cr\u00e9dit des expatri\u00e9s.<\/li>\n\n\n\n<li>Il existe aussi des courtiers sp\u00e9cialis\u00e9s qui peuvent vous aider \u00e0 trouver l&#8217;offre la plus avantageuse.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_3_Preparation_de_la_demande\"><\/span>\u2705 <strong>3. Pr\u00e9paration de la demande :<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>R\u00e9digez une <strong>lettre de demande de cr\u00e9dit<\/strong> en pr\u00e9cisant :\n<ul class=\"wp-block-list\">\n<li>Votre statut d&#8217;expatri\u00e9.<\/li>\n\n\n\n<li>Vos revenus mensuels et vos d\u00e9penses.<\/li>\n\n\n\n<li>Le montant demand\u00e9 et la dur\u00e9e souhait\u00e9e pour le remboursement.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Pr\u00e9parez tous les documents n\u00e9cessaires pour \u00e9viter les retards dans le traitement de votre <a href=\"https:\/\/multicredit.ch\/fr\/demande-de-credit\/\">demande de cr\u00e9dit<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_4_Presenter_votre_demande\"><\/span>\u2705 <strong>4. Pr\u00e9senter votre demande :<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Prendre rendez-vous avec un conseiller bancaire.<\/strong><\/li>\n\n\n\n<li><strong>Pr\u00e9senter tous les documents.<\/strong><\/li>\n\n\n\n<li><strong>Discuter des modalit\u00e9s de cr\u00e9dit :<\/strong> Type de cr\u00e9dit (personnel, hypoth\u00e9caire, etc.), taux d\u2019int\u00e9r\u00eat, dur\u00e9e, mensualit\u00e9s, etc.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_5_Conditions_particulieres\"><\/span>\u2705 <strong>5. Conditions particuli\u00e8res :<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les expatri\u00e9s sans permis C peuvent faire face \u00e0 des conditions plus strictes.<\/li>\n\n\n\n<li>Pour les <strong>permis B, L, ou G<\/strong>, certaines banques peuvent exiger un co-signataire suisse ou une garantie bancaire suppl\u00e9mentaire.<\/li>\n\n\n\n<li>Un <strong>contrat de travail \u00e0 dur\u00e9e d\u00e9termin\u00e9e<\/strong> peut compliquer l&#8217;obtention d&#8217;un cr\u00e9dit important.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_6_Negociation_et_choix_de_loffre\"><\/span>\u2705 <strong>6. N\u00e9gociation et choix de l\u2019offre :<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comparez les <a href=\"https:\/\/multicredit.ch\/fr\/credit\/offre-credit\/\">offres de cr\u00e9dit<\/a> de plusieurs banques pour trouver celle qui propose les meilleures conditions.<\/li>\n\n\n\n<li>N\u00e9gociez si possible les taux d\u2019int\u00e9r\u00eat et les frais administratifs.<\/li>\n<\/ul>\n\n\n\n<p>Un article propos\u00e9 par <a href=\"https:\/\/www.linkedin.com\/in\/m%C3%BCn%C3%BCr-aslan-credit-leasing-factoring\" target=\"_blank\" rel=\"noopener\">Munur Aslan<\/a> directeur de MultiCredit<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour demander un cr\u00e9dit en tant qu&#8217;expatri\u00e9 en Suisse, voici les \u00e9tapes \u00e0 suivre : \u2705 1. Pr\u00e9paration des documents n\u00e9cessaires : Les banques suisses exigent g\u00e9n\u00e9ralement les documents suivants : \u2705 2. Identifier les banques adapt\u00e9es : \u2705 3. Pr\u00e9paration de la demande : \u2705 4. Pr\u00e9senter votre demande : \u2705 5. Conditions particuli\u00e8res [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":24323,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[787,33],"tags":[],"class_list":["post-28101","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-credit"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/28101","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/comments?post=28101"}],"version-history":[{"count":6,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/28101\/revisions"}],"predecessor-version":[{"id":28739,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/posts\/28101\/revisions\/28739"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/media\/24323"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/media?parent=28101"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/categories?post=28101"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/fr\/wp-json\/wp\/v2\/tags?post=28101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}