Credit for cross-border workers in Switzerland
A cross-border application requires clear information about Swiss employment, country of residence and household expenses.
Start my application →A cross-border budget must be clear
The lender may examine where you live, how income is paid and whether the proposed monthly payment is sustainable.
- Swiss employment and length of service
- G permit and permanent residence
- Household expenses in the country of residence
- Existing loans and leasing
Documents commonly requested
- Valid ID and G permit
- Salary statements and employment contract
- Recent proof of residence
- Statements requested to confirm commitments
How the assessment works
1. Describe your situation
Provide accurate information about residence, work, income and existing commitments.
2. Prepare evidence
Clear and recent documents help WHI Credit understand your application.
3. Affordability review
Income, household costs and current debts are considered together.
4. Lender decision
The lender alone decides whether credit can be granted and on which terms.
Non-binding simulation. Effective rates from 4.7% to 9.9% and terms from 6 to 120 months depend on the application, creditworthiness and lender conditions. Credit must not be granted if it causes over-indebtedness.
Frequently asked questions
Is a G permit enough?
No. Income, expenses and creditworthiness are also assessed.
Can existing credit be consolidated?
A consolidation request may be studied after comparing monthly cost and total cost.
Is approval guaranteed?
No lender decision or rate can be guaranteed.
Discuss your situation with WHI Credit
Apply online or contact our Mies office directly.
Apply for credit+41 22 870 03 01info@whi-credit.com