For several decades offer so-called Swiss AG's credit without Schufa. These are loans, as the name suggests, issued without prior Schufa information. This is often confused with the creditworthiness, which is not the case. The Vermoegensverhaeltnisse the customer be tested naturally anyway, because these companies have to give away any money.
Swiss-finance provides therefore for people who already recorded a negative entry in its Schufa Act, or prevent a registration from the outset would like. Because not only ask for the data banks at Schufa, but possibly also later business partner, it may well be useful by the Swiss credit Risk that a negative Schufa-entry poses avoided.
A schufa free credit can also be used as a good "secondary credit" for example, if the bank already has a credit agreement. Often by the banks, no two loans are granted at the same time, then why is only this possibility into question. Of course, one should first worry about the repayments, and take a second loan only if it is really necessary. In most cases, other solutions, such as a debt, more appropriate in this case.
course, is the increased risk of the creditors passed on to customers. By nonexistent Schufa Testing the companies get a much higher risk their money back than ordinary banks. Therefore, the interest rates for loans without Schufa usually also higher than normal loans. A previous comparison of several offers, but can save a lot of money. As the quotation free of charge at most companies, it should also be exercised. Best to let so many listings, we only make possible to finally really efficient to sign the credit agreement. can
Whether a Swiss credit is useful to assess not flat. A conversation with the bank and a broker of schufa-free loans to take place earlier, however. Thereafter, each decide which solution is best.
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