Many consumers are burdened with Credit bureau. For them, this means that they can neither conclude a cell phone contract nor get a loan from any bank. All that remains for them is to use the offers from Switzerland. A Swiss loan is completely free of Credit bureau.
However, other provisions apply here. The borrower must have a permanent job, which the bank must provide with a copy of an employment contract. There is no loan from Switzerland without an employment contract.
What are the requirements for a loan from Switzerland?
A permanent job is the most important requirement. If you are without a permanent job, you do not need to ask the bank. The job serves as security for the borrowed money. If the person concerned does not pay, the attachable part of the income can be retained. For this reason, the banks do not care about Credit bureau. For this reason there is no loan without an employment contract from Switzerland.
The applicant must also be permanently resident in Germany and be of legal age. The job must not be terminated or limited. In addition, the salary or wages must also have a certain amount. This is often the reason for a rejection.
How do you get a loan from Switzerland?
Agents who are available on the Internet are responsible for this. Nobody has to go to Switzerland for this. This also means that all documents, including a copy of the employment contract, must be sent to this agent. This forwards them to the bank in Switzerland. Anyone who sends the documents without an employment contract will not receive a loan without an employment contract from Switzerland. The financial service provider cannot be fooled. Without an employment contract there is no money.
After all documents have been received by the bank in Switzerland, the bank has the final say. If the decision is positive, the borrower receives his money within a few days without informing Credit bureau.