Credit for self-employed people in Switzerland
Self-employed income is assessed through sustainable earnings and business continuity rather than one exceptional month.
Start my application →Present sustainable income
Separate turnover, business costs and personal disposable income. Recent tax and accounting evidence may be needed.
- Legal form and business start date
- Recent results and income trend
- Tax and social insurance position
- Private household budget
Documents commonly requested
- Identity document or valid permit
- Latest available tax assessments
- Annual accounts or income certificates
- Additional bank evidence if requested
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 a self-employed person apply?
Yes, but evidence requirements differ according to the lender and the business history.
Is turnover treated as personal income?
No. Business expenses must be deducted to establish disposable income.
How many accounts are required?
Provide the latest available financial and tax documents; the lender may request more.
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