credXperts Blog

Loans as a tool, not a burden Loans have an ambivalent reputation in Switzerland. For some they are a necessary evil, for others a strategic instrument. The difference lies not in the loan itself, but in the way it is planned. Responsible borrowers use credit: Used correctly, credit can: In this article, we show how long-term financial planning can be more...

Companies today are heavily dependent on stable IT systems. Whether internal processes, online platforms or customer communication - without a reliable infrastructure and competent technical support, business operations can quickly come to a standstill. Diffit is a provider that specialises in precisely these areas. The company supports companies in the planning, implementation and support of modern IT environments. Further information more...

Why many good borrowers are still rejected Every year, thousands of loan applications are rejected in Switzerland - and not because the applicants are unable to pay. In very many cases, approval fails due to avoidable mistakes: incorrect assumptions, unstructured enquiries or a lack of preparation. This is particularly annoying because: A rejection worsens the starting position for further applications. In more...

Why creditworthiness is more than just a number "My credit rating is good." Banks and credit brokers in Switzerland hear this sentence very often. But many applicants don't realise this: Creditworthiness is not a single value, but the result of an overall assessment of several factors. Two people with identical incomes can have the same credit rating: The reason lies in creditworthiness - and in the fact that more... more...

Credit with a B permit was a sensitive issue in Switzerland for a long time. While Swiss citizens or people with a C permit were usually able to apply for a personal loan without any complications, stricter guidelines applied to people with a B residence permit. However, we at credxperts.ch are now observing a new development: 👉 Some banks are currently only considering loan applications with a B permit for 24 months or more more...

The biggest mistake when comparing loans "I'll just take the loan with the lowest interest rate." We hear this statement almost every day at credxperts.ch - and it is one of the most common reasons why borrowers are later dissatisfied or even get into financial difficulties. Of course, the interest rate plays an important role. But in the Swiss credit market, the most favourable interest rate is more... more...

Why existing obligations are not an automatic exclusion criterion Many people in Switzerland assume that a new loan is not possible if they already have financial obligations. These include: This assumption is understandable, but in most cases it is wrong. In practice, Swiss banks regularly grant loans despite existing obligations - not indiscriminately, however, but more... more...

When neither traditional selling nor a loan are possible An unexpected tax bill, a major repair or a short-term liquidity bottleneck: unplanned expenses rarely come at the right time. It becomes particularly difficult when the bank rejects a loan application in such cases. A negative extract from the debt enforcement register or a poor credit rating are often enough for traditional credit solutions to be cancelled. Car drivers in particular more...

Why interest is the underestimated cost factor Many borrowers in Switzerland pay particular attention to the monthly instalment when applying for a loan. What is often overlooked is that the interest rate determines the total costs - and can make a difference of several thousand francs over the term of the loan. Especially with older loans or unstructured financing, many households pay more: The good news is that interest rates are more...

Why loan top-ups are often underestimated Many borrowers in Switzerland face the same situation at some point: the existing loan is running smoothly, the instalments are paid on time - but new financial needs arise. Be it through: In such cases, many people immediately think about a new loan. However, an increase in credit is often a much better, cheaper and safer option more... more...

Why loan restructuring is becoming increasingly relevant in Switzerland Many borrowers in Switzerland pay too high instalments month after month - often without realising it. The reason is rarely a lack of discipline, but usually a historically grown credit structure: several loans, different interest rates, old conditions or confusing obligations. In recent years in particular, more... more...

Why the right car financing is crucial in Switzerland For many people in Switzerland, a car is not a luxury, but an integral part of everyday life. Whether for travelling to work, for the family or for self-employment - mobility creates freedom. At the same time, buying a car is one of the biggest financial decisions in the private sphere. Many buyers focus more... more...

Why personal loans in Switzerland are challenging - but easy to plan A personal loan in Switzerland is one of the most common and at the same time most sensitive forms of financing. Whether for a major purchase, the rescheduling of existing loans, an investment in mobility or to ease the financial burden on the household: The desire for a fair, transparent and approved loan is great. more... more...

https://www.freepik.com/free-photo/top-view-wi-fi-router-with-laptop-hand-holding-smartphone_11382241.htm À l'ère numérique, a high-performance Internet connection and an adapted mobile subscription are indispensable for many companies and organisations. Whether for teleworking, streaming, online gaming or everyday communication, choosing the right service can save time, energy and a lot of money. En more... more...

The role of credit brokers in the Swiss financial system In Switzerland, more and more private individuals and self-employed people are choosing to apply for a loan through a credit broker rather than directly from a bank. The reason is simple: intermediaries such as credxperts.ch not only take care of the application, but also compare several offers and check the best possible conditions - and more... more...

Nadine Frei, business expert in creditworthiness management and budget for credxperts.ch Why you often don't get a chance despite having paid your debts You've paid your bills, your account is balanced, you're financially stable - and yet you're still getting rejections? No subscription mobile phone, no flat, no chance of a leasing contract? Then in most cases it's not because of your more... more...

¿Estás buscando un préstamo estando en España? Con credxperts.ch, puedes comparar diferentes ofertas de crédito en línea y encontrar la opción que mejor se adapte a tus necesidades. Ya sea para una compra importante, un viaje o una reunificación de deudas: aquí obtienes una visión clara de las mejores condiciones. Ventajas de solicitar tu préstamo more...

Written by: Nadine Frei, credit management and budget expert for credxperts.ch Introduction Have you started a new job and are still in your probationary period, but urgently need a loan? Then you're probably asking yourself this very question: "Can I even apply for a loan during my probationary period - or is that a no-go for banks?" The short more... more...

Many cross-border commuters or newcomers with a B permit (B residence permit) ask themselves: "Can I even get a loan in Switzerland?" The answer is not generalised - because it depends on many factors. But the good news first: credxperts.ch also offers solutions for B permits - in some cases even after just 12 months of residence. Find out more... more...

High loan amounts in Switzerland: secure up to CHF 350,000 with credxperts.ch Written by: Nadine Frei, Business Expert Creditworthiness Management and Budget for credxperts.ch Introduction Are you planning a major project, a renovation or would you like to consolidate existing debts? At credxperts.ch, you can obtain high loan amounts of up to CHF 350,000 at fair conditions - with personal advice and digital more... more...