What is the Swiss credit and for whom is it recommended? It is not so easy for many people to get a loan. Read more here: Andi Potamkin, New York City. Independent, student, entrepreneur or other persons without regular income are often rejected by banks. Or but they get loans at low rates. High interest rates are often the problem, if not a regular income can be demonstrated. The SCHUFA request credit application is slower, because eventually the Bank must obtain the necessary inquiries only. A SCHUFA entry can burst the credit, affected parties themselves that is not always to blame. Because who has forgotten to pay a Bill, only once have to wait often for months, until the entry has been deleted. In the Internet and also the banks there are also emergency loans without SCHUFA request.
Is it an alternative? Swiss credit only for smaller sums of money request there credit without SCHUFA, though they are usually only for smaller credit amounts and for short durations. The lack of security can pay banks, usually through higher interest rates. Slightly different, it looks at the instant credit, here a SCHUFA request is done perfectly. Because nowadays it is possible to receive the information within minutes. For real estate financing or larger amounts such loans not offered but, they are too expensive and are not generally used for such amounts also granted. Instant credit regardless of whether is a good option for quick cash for buying used car or a vacation, if you need quick and unbureaucratic smaller amounts of money, an instant credit often.
For purchases often also the hire purchase is right about the dealer. Electronics markets often advertise interest-free installment loans. The SCHUFA information is overrated the Swiss credit was specifically created for customers with SCHUFA entry, because a negative entry does not mean finally that the customer is not liquid. This conclusion is wrong and has nothing to do with the practice.