A good credit rating is the hallmark of your financial reliability. It signals to banks, mail order companies and other institutions that you will fulfil your payment obligations on time. Factors such as a regular income, punctual payments, low debt and a stable job contribute significantly to a positive credit rating. Another important aspect is the diversity of your credit history. A well-mixed more... more...
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Why falling interest rates make debt rescheduling particularly attractive
Interest rates for loans in Switzerland are at a historically low level. This development offers an exceptional opportunity for borrowers to reconsider their existing loans and benefit from the lower interest rates by rescheduling. But what exactly does debt rescheduling mean? What advantages does it offer and how can consumers reduce their financial burden? Find out here more...
Delete ZEK entry - Everything you need to know
A ZEK entry can have a significant impact on your financial future, especially if you wish to enter into a loan or leasing agreement in Switzerland. This comprehensive guide explains how and when you can have a ZEK entry cancelled. We will cover the reasons for cancelling an entry, how to do it, common questions and legal aspects. In addition, more... more...
Early loan repayment in Switzerland: strategies, advantages and pitfalls
Legal basis and framework conditions In Switzerland, the Consumer Credit Act (KKG) is authoritative when it comes to regulating loans taken out by private individuals for personal or family purposes that are not secured by mortgages. The KKG is intended to protect consumers from over-indebtedness and promote transparency in the credit market. With regard to early more... more...
If the back tax payment is too high - finance the tax debt with a loan?
Unexpected tax arrears can tear a large hole in the household budget and significantly restrict financial room for manoeuvre. In Switzerland, where the tax system varies at federal, cantonal and communal level, it can be easy to get confused and run into unexpected tax debts. Fortunately, there are ways to alleviate this financial burden. One of these is the more...
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Reputable credit brokers - how can you recognise them and what services can you expect?
The decision to take out a loan is often associated with many questions and uncertainties. It is therefore of central importance to have a trustworthy partner at your side - after all, it's all about money. Credit brokers often play this role. But how can you tell the difference between reputable and dubious providers? This guide aims to shed some light on the subject more...
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Credit protection: what options are there and when are they worthwhile?
For many people, taking out a loan is an important step towards achieving financial goals, whether it's to buy a car, travel the world or finance further education. However, taking out a loan also involves certain financial risks, especially if unforeseen events such as unemployment, illness or even death occur. In more...
Reduce credit card debt: Effective strategies and proven methods
Credit card debt can be an overwhelming burden that goes far beyond the financial dimension and can affect your emotional health. For this reason, we at credXperts have put together a number of strategies and methods that can help you effectively reduce your credit card debt and thus alleviate your financial stress. Multiple credit cards in use to more...
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Loans for married couples: who is liable and why it's worth taking out a joint loan
Would you like to take out a loan with your spouse and don't yet know who is liable and whether it is worth applying for a loan together? Then you've come to the right place: we explain everything you need to know about loans for married couples. Who is liable for the loan if one spouse is more...
Taking out a loan as a couple is worthwhile
If you can take out a loan with two people, you are well served: the second borrower increases the chance of obtaining the desired loan amount. Loan conditions such as interest rates also improve when a second person is involved in the borrowing process. Are you planning a major investment as a couple in the near future, such as construction financing or a property purchase in more...?