Is it possible to remove a ZEK code?
You need private credit and, unfortunately, banks have closed their doors to you because you have a penalising ZEK code? Can they be removed?
You need private credit and, unfortunately, banks have closed their doors to you because you have a penalising ZEK code? Can they be removed?
Find out more about our new all-in-one insurance offer for unemployment and loss of earnings with life insurance, to protect yourself from financial difficulties due to unexpected events.
The Swiss Federal Council’s decision to reduce the maximum interest rate on cash loans to 10% compared to 15% came into force in June 2016. If you have outstanding credit, now is the time to renegotiate a lower rate !
For the two-hundredth anniversary of the Banque Cantonale de Genève, learn about its origins, its influence in the canton, its diversification strategy and the historic tour through Geneva on a quest for its discovery.
Discover a new personal loan stakeholder and the modifications made by existing banks to their offers in 2016 affecting rates, loan amounts and repayment periods.
From the 1st of January 2016 onwards, financial institutions will be required to raise customer awareness to the consequences of their commitment, to set a reasonable limit to the loan amount, to propose loan insurance and to provide advice in the event of hard times.
From the 1st of January 2016 onwards, no more targeting young people, no more suggestions that loans are approved quickly or without examination, no more offering loans for short-term leisure activities such as weddings, holidays or birthdays, no more using abusive economic arguments or startling or ambiguous sales methods.
The conditions for granting a loan have become stricter since December 2015 with regard to the budget calculation, the repayment period has been extended from 72 to 84 months and the cancellation right will change from 7 to 14 days on the 1st of January 2016.
The points that require particular attention when dealing with a broker are the copy of the agreement, administration fees, cancellation right, prepayment conditions, interest rate and repayment period, mandatory and optional insurance, and checking whether the broker is approved.
You have several outstanding loans such as credit cards, store cards, leases and personal loans? Discover the advantages of grouping together your different debts and the most frequently asked questions on this subject.
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This blog is run by a non-jurist author. The information provided is based on the professional and personal experience of the latter. We therefore highly recommend that you consult with a lawyer and do not base any decisions solely on the content of this blog, insofar as it is provided for informational purposes only. The author may not therefore be held liable by the blog's readers or by any person who may use this information without performing adequate verifications with a specialised lawyer or jurist.