Is there a Swiss loan without Credit Bureau for the self-employed?
Reason why the loan for self-employed without Credit Bureau is denied by the banks. Find out more about your options as a self-employed or freelancer! A loan for self-employed with negative Credit Bureau is no easy task. Freelancers and the self-employed already find it difficult to find a loan under normal conditions.
Swiss credit without Credit Bureau for the self-employed
The self-employed are in fact more difficult than workers when they take out a loan. This is mainly due to the fact that they earn their own earned income. The situation is different with the self-employed, who often have a dream of life with their independence. If the necessary equity capital is not available and there is no support in the host family, the self-employed will find it much more difficult and not only if they take out a loan.
Credit institutions are very reluctant to lend to the self-employed because of the risk of default. The German credit institutions are happy to grant their loans to consumers with a regular fixed-term deposit. In recent years, the situation has worsened as credit institutions have to lend risky loans with appropriate capital.
Many self-employed people who can not obtain loans from credit institutions in the Federal Republic, therefore, ask themselves the question of whether the foreign credit institutions look at things differently. Is there a Swiss loan without Credit Bureau for the self-employed? Our article is about the Swiss loan without Credit Bureau for the self-employed. The self-employed, who can not get a loan from a bank in the Federal Republic because of their bad Credit Bureau and their independence, often have all the hopes for a Swiss loan without Credit Bureau for self-employed, which she applies for a loan broker.
In fact, there are credit institutions that publicly advertise that there is no obstacle to arranging loans for the self-employed without Credit Bureau. If you take a closer look at the advertising message and question it, things look different. Without Credit Bureau, Swiss banks will not grant loans to the self-employed. The creative-free loan from Switzerland, which is much advertised, is an explicit employee offer.
Banks take distance
From the Credit Bureau, the banks take distance. Swiss credit institutions attach great importance to proof of permanent employment for more than a year with regular additional income. However, the self-employed are unable to do so and fall through the cracks for that reason alone. In this way the advertisement of the credit brokers does not arrive.
The self-employed as well as the self-employed, unemployed and recipients of HARZ IV, retirees and trainees and students are not the target groups for creative-free lending from Switzerland. 2. This is not apparent from the application of the credit intermediaries. Advertisers are credit brokers who not only provide loans but also sell insurance policies and building loan contracts.
This is how they address potential buyers through promotions to which they resell all manner of things, but who do not get credit without creation. Without Credit Bureau, there is no self-employed loan. The credit risk of self-employed persons is rated as high by Swiss banks as by German banks.
Self-employed people have two different credit options despite their independence. It’s like a loan, but without a credit check. Also, no liabilities are entered, as the self-employed borrow their own capital, so to speak. For self-employed this possibility is the first address. If these options do not exist because there are no insurance policies, relatives or friends can get a loan.
Alternatively, self-employed individuals can borrow in one of the online marketplaces where the lenders are retail investors. However, the Shufa is caught up here, so this option comes into question only if the Shufa is intact.