Credit with B authorisation: How much credit is possible?
Many people with B permitwho work in Switzerland ask themselves an important question before applying for a loan:
How much can a loan with B authorisation be?
In principle, similar credit rules apply for people with a B permit as for other borrowers in Switzerland. Nevertheless, there are some special features that can affect the maximum loan amount.
The decisive factors are above all
- Income
- Monthly fixed costs
- Term of the loan
- Creditworthiness
- Duration of stay in Switzerland
You can also find an overview of loans with B authorisation here: Credit with a B permit in Switzerland
When applying for a small loan, a budget calculation is carried out in advance. The bank calculates your monthly income and expenditure. The difference between your income and expenditure determines which loan amount and term are suitable for you.
Legal credit limit in Switzerland
In Switzerland, consumer credit is regulated by law.
The maximum loan amount is:
80,000 CHF within the KKG or 250,000 CHF outside the KKG
This amount applies regardless of whether the borrower is a Swiss citizen or holder of a residence permit.
However, this does not mean that everyone automatically receives a loan for this amount.
The actual loan amount depends on the individual financial situation.
Further information can be found here: Credit for foreigners in Switzerland
Income determines the loan amount
The most important factor for the maximum loan amount is income.
Banks calculate how high the monthly loan instalment may be based on the household budget.
This is taken into account:
- Net wage
- Rental costs
- Insurances
- Cost of living
- Existing loans
As a rule, the higher the income, the higher the loan amount can be.
You can find more information on the B-authorised loan here: Credit for persons with a B permit
Further topics on B authorisation
Anyone who Credit and B authorisation in Switzerland should not just look at a single detail, but always check the requirements, documents, processing time, possible banks and loan amounts in the overall picture.
Example of possible loan amounts
To get a better idea, you can look at typical examples.
| Income | Possible loan amount |
|---|---|
| 4'000 CHF | approx. 10'000 - 25'000 CHF |
| 5'000 CHF | approx. 20'000 - 40'000 CHF |
| 6'000 CHF | approx. 30'000 - 60'000 CHF |
| 7'000 CHF | up to around CHF 80,000 |
These values are only examples. The actual loan amount always depends on the individual situation.
You can find more information here: Credit with a residence permit in Switzerland
When applying for a small loan, a budget calculation is carried out in advance. The bank calculates your monthly income and expenditure. The difference between your income and expenditure determines which loan amount and term are suitable for you.
Influence of the credit period
Another important factor is the term of the loan.
The longer the term, the lower the monthly instalment.
As a result, a higher loan amount may be possible under certain circumstances.
Typical credit periods in Switzerland are
- 12 months
- 24 months
- 36 months
- 60 months
- 84 months
The maximum term is usually 84 months.
You can find more information on the B-authorised loan here: Requirements for credit with B authorisation
Role of creditworthiness
In addition to income and term, creditworthiness also plays an important role.
Banks check, among other things:
- ZEK entries
- Existing loans
- Leasing contracts
- Payment history
A good credit rating significantly increases the chances of obtaining a higher loan amount.
Further information can be found here: Credit for EU citizens in Switzerland
Length of stay can have an influence
For applicants with a B permit, banks often also take the length of stay into account.
Many banks now require this:
At least 24 months residence in Switzerland
If this requirement is met, the chances of obtaining a higher loan amount are significantly better.
Further information can be found here: Apply for a loan with a B permit Switzerland
When applying for a small loan, a budget calculation is carried out in advance. The bank calculates your monthly income and expenditure. The difference between your income and expenditure determines which loan amount and term are suitable for you.
Several loans at the same time
Another important point is whether there are already existing loans.
Banks take this into account:
- Existing loan instalments
- Leasing instalments
- other obligations
These obligations reduce the financial leeway and can affect the maximum loan amount.
You can find more information on the B-authorised loan here: Credit for employees with a residence permit
Why a loan comparison makes sense
Not all banks calculate the maximum loan amount in the same way.
A loan comparison can therefore bring advantages:
- higher loan amount
- better interest rates
- Better chances of authorisation
credxperts.ch compares different banks and can help you find suitable loan offers.
Further information can be found here: Credit options for foreign employees
Loan amount depends on several factors
The maximum loan amount with B authorisation can generally be up to 80,000 CHF amount.
However, the actual loan amount depends on several factors:
- Income
- Creditworthiness
- Credit period
- Length of stay
- Existing obligations
If you have a stable financial situation, you can also obtain a higher loan amount with a B authorisation.
Further information can be found here: Information on the loan with B authorisation
When applying for a small loan, a budget calculation is carried out in advance. The bank calculates your monthly income and expenditure. The difference between your income and expenditure determines which loan amount and term are suitable for you.
FAQ Credit amount B authorisation
How much can a loan with B authorisation be?
The maximum loan amount in Switzerland is CHF 80,000 by law. However, the actual loan amount depends on income, creditworthiness and term.
Can people with a B permit obtain a CHF 80,000 loan?
Yes, in principle this is possible if income, creditworthiness and household bills are sufficient. Under certain circumstances and outside the Consumer Credit Act Depending on the bank, loan amounts of up to CHF 250,000 are also possible.
What income do you need for a loan?
The higher the income, the higher the loan amount can usually be. Banks calculate this based on the household budget.
Does the length of stay affect the loan amount?
Yes, many banks require at least 24 months residence in Switzerland before higher loan amounts are possible.
Can I have several loans at the same time?
Yes, but existing loan instalments are taken into account in the budget calculation.
How does the loan term affect the loan amount?
A longer term reduces the monthly instalment and can therefore enable a higher loan amount.
Do banks check creditworthiness?
Yes, banks check ZEK entries, existing loans and payment history, among other things.
Can a Credit comparison increase the loan amount?
A comparison of different banks can lead to better loan offers being found.
Are there differences between banks?
Yes, banks have different credit guidelines and risk assessments.
Can credxperts help you find the maximum loan amount?
Yes. credxperts compares different banks and can help you find the right financing.
When applying for a small loan, a budget calculation is carried out in advance. The bank calculates your monthly income and expenditure. The difference between your income and expenditure determines which loan amount and term are suitable for you.
More knowledge about credit with G authorisation in Switzerland
This page deals with an important sub-area of Loan with B authorisation. For a realistic assessment, however, it is often not enough to look at a single issue in isolation. The decisive factor is the interplay of length of stay, employment relationship, income, creditworthiness, required documents, processing time and the question of which banks are even open to a credit check in the event of a B authorisation.
The most important B permit pages at a glance
Other matching topics on credxperts.ch
Especially with B Authorisation and credit guidelines can change. Anyone who does not yet fulfil all the requirements may have significantly better chances at a later date. It is therefore worth checking the main page and the pages on a regular basis and start the loan comparison directly if the initial situation is suitable.