Credit for retirees in Switzerland
A retirement application is assessed using durable pension income, household expenses, age and the requested term.
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AVS/AHV, occupational pensions and other regular income can be documented alongside essential living costs.
- Regular pension and other income
- Rent, health insurance and living expenses
- Existing credit commitments
- Amount and term suited to the budget
Documents commonly requested
- Valid identity document or permit
- Recent pension decisions or statements
- Evidence of other recurring income
- Housing and current credit information
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
Can AVS/AHV income be considered?
It can form part of documented income. The lender assesses the whole situation.
Is there one fixed age limit?
Criteria vary by lender, amount and term.
Does an initial application commit me?
No. It is not a credit agreement or guarantee of approval.
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