Financing up to 100%
With Crédits Conseils, you can get a loan of CHF 5'000.- to CHF 100'000.- to finance your project.
Flexible maturity adapted to your project/budget
Credits Conseils offers an adapted loan maturity with up to 60 monthly installments.
Best interest rates on the market
Crédits Conseils offers the best interest rates on the market adapted to your situation.
Fixed rates throughout the duration of your credit.
Fast reply
Crédits Conseils strives to provide you a fast reply upon receiving all your documents.
Security throughout the repayment
With Crédits Conseils, benefit from an insurance plan that covers job loss and death as part of each monthly installment.
Pay less in taxes
Enjoy fiscal advantages by deducting the interest on your loan from your taxable income.
Client-friendly approach
With Crédits Conseils you can pay back the totality of your loan at any moment and all non-incurred interest will be refunded.
Direct credit
Your loan is paid directly into your bank account.
No administrative fees
At Crédits Conseils, we don't charge any administration fees up until the signing of your contract. Your monthly installments are clear and include everything.
No title retention clause
With Crédits Conseils, there is no title retention clause. Your monthly installments are clear and include everything. The financed object belongs to you in its entirety.
Mortgage Loan in Switzerland:
1. What are the steps to acquire real estate in Switzerland?
2. Who is eligible for a mortgage loan?
3. What documents are needed to avail a loan?
4. How is a mortgage loan structured?
1. What are the steps to acquire real estate in Switzerland?
Choosing the property:
First establish the maximum amount that you are able to invest in your purchase, considering that you need to have a down payment of 25%. The 25% represent a 20% of your own capital and 5% to cover notary fees.
Structuring your loan:
This is where Crédits Conseils comes into play to help you structure and apply for a mortgage loan. It is our job to advise you on the choice of loan or negotiate the best loan conditions available on the market that best suit your financial situation and are adapted to your needs.
Mortgage loan approval:
As soon as all the required documents to avail the loan are assembled, we submit them to the appropriate partner in order to obtain a pre-approval within the shortest possible timeframe. Thence, you will be able to confirm the purchase of your property to the seller by signing a preliminary contract with a notary.
Signing your loan agreement:
At this time you inform us about the date for transfer of property with the seller and the notary. We shall then together finalize the modalities and you will sign your mortgage agreement.
The notary :
The big day is here!!!
The day the property is signed over with the notary, you become the sole owner of your real estate property and as of this moment your obligations towards the bank take effect.