What documents are required to apply for credit?

Among all the criteria that govern the obtaining of a loan, the creation of a solid file is essential. What documents are needed and how do I get them?

Before granting you a loan, the bank will ask you to justify your situation with official documents, which will allow it to assess your ability to repay your credit and fix the conditions of your loan. In particular, she will want to confirm

 

Your identity, nationality and age

Your identity, nationality and age

A copy of your passport, identity card, or residence permit will do.

Depending on whether you are employed, self-employed or receiving an annuity, the documents to be transmitted will be different, but you will have to certify your income.

If you live abroad, the requested documents will be more numbers. For example, you will have to prove that you have a work permit in Switzerland.

 

Your civil status

apply loans

If you are married and wish to add your spouse’s income to your budget, all the requested documents must be provided for you and for your spouse.

To simplify your life, here is the exhaustive list of the documents necessary according to your personal situation:

Employee domiciled in Switzerland

Do you live in Switzerland and work for a company? The bank will ask:

  • A copy of your Swiss identity document, your residence permit or your identity card
  • A copy of your last 3 pay slips if you have a fixed salary, last 6 pay slips if you are paid by the hour
  • A copy of your rent lease (if tenant) or your mortgage contract (owner)
  • A copy of your health insurance premiums (LAMAL) for you and your family

 

Freelance resident in Switzerland

Do you live in Switzerland and have a self-employed activity? You will need to provide:

  • A copy of your Swiss identity document or your residence permit C
  • A copy of your last complete tax assessment (dated less than a year)
  • A copy of your rent lease (if tenant) or your mortgage contract (owner)
  • A copy of your health insurance premiums (LAMAL) for you and your family
  • The bank can also request account statements with the entry of your income, in order to confirm your tax taxation

 

Employee in Switzerland – Frontier worker

Do you work in Switzerland but live outside the territory? Whether you are of Swiss nationality or have a C permit, you will need:

  • A copy of your identity document – identity card or passport
  • A copy of your work permit G
  • A copy of your last 3 pay slips if you have a fixed salary, last 6 pay slips if you are paid by the hour
  • A copy of your last 3 Swiss and foreign bank account statements
  • A copy of your last EDF electricity bill
  • A copy of your health insurance premiums (LAMAL) if you are insured in Switzerland

If you would like to know more, you can also read our article on the Lite Lending credit application process, in which we describe our process from the submission of your file to the bank’s response.

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