Everyone has wishes. Some want to or have to be fulfilled immediately, because it doesn’t work otherwise. This does not mean expensive holidays, but training or broken kitchen appliances that urgently need to be replaced. Life is not so good without a refrigerator.
If you don’t have any money at first, you have to borrow it somewhere. Unemployed people generally do not get credit, unfortunately that is the case. Because they have too little income. But there should be exceptions. It would be worth trying to apply for a loan in Switzerland. However, you should proceed differently.
First open a normal account
Things are a little different in Switzerland than in Germany. There count those people who have money wherever it comes from. That’s why banking secrecy is pretty popular there. Tip: As an unemployed person, you are not automatically a lazy person who does nothing. Finally, you can become self-employed with the support of the Office.
So you are only half an unemployed. In Switzerland, you now open a company account as normal, because you want to start a business anyway or are already self-employed. At the opening one should not mention anything about a capital loan without creditworthiness, but rather give the approximate income per month that one expects.
Deposit something into the account every month.
Now you pay a certain amount into the account every month and leave it there. Either the part that you can do without or you borrow the money from a friend. The bank is supposed to see that income really gets into the bank account every month. After a few months, it is best to ask for a credit card or a small loan. Since it was shown from the beginning that you would transfer money regularly, a capital loan with no credit rating may be possible.
If the bank does not want confirmation from the employer or any financial receipts. As always, there are no guarantees at a bank. But it’s worth trying to get a capital loan with no credit rating. Precisely because they do not pay so much attention to documents, but to account movements.
Receive a loan as a self-employed person in Germany
The game would also work for some banks in Germany. Sometimes it just depends on which supervisor you have in front of you. Not everyone wants security. One thing is fixed. The Credit Bureau must be clean, otherwise there is nothing in Germany. That’s why many go to Switzerland. With there will also be no capital loan without creditworthiness and probably not without reserves. But if you have savings and make regular payments to Switzerland, you show them that you probably have collateral and reserves and therefore there is more of a loan.
The key thing is that it is the systems that refuse a capital loan with no credit rating. Some traffic lights are red only because there are no deposits. Anyone who has a negative account is not a good customer and therefore does not get a loan. Anyone who makes deposits and generates a big plus as credit automatically shows the bank that you have money and do not spend it. For whatever. Therefore, you can handle money and avoid unnecessary debts.
Switzerland is good for Credit Bureau candidates
Most of the people who go to Switzerland do not get a loan in Germany because they have a negative Credit Bureau. You have an entry quickly. This can also happen to people who are always careful and are full of professional life. An identical name or a mistake from the youth. The fun with the Credit Bureau is over. Fortunately, good old Switzerland still exists on this point. She remained independent, did not want to go to the EU and we can thank her for that. For many, it is a rescue in need.
If you want a capital credit with no credit rating, just give it a try. It is well worth it. If you are rejected, you have definitely tried. Tip: Open a capital account now, even if you don’t need it now. That makes a good impression and in a few years, if you really need something, you’ll have the bank on your side. You should always think about tomorrow today and make contacts.