Creditworthiness, ZEK and credit applications
Creditworthiness combines income, household expenses, existing obligations and verifiable information—not salary alone.
Start my application →What affordability assessment means
The lender must consider whether the credit can be repaid without causing over-indebtedness.
- Disposable and stable income
- Rent, insurance and household expenses
- Loans, leasing and other commitments
- Accurate information throughout the form
Documents commonly requested
- Consistent proof of income
- Housing and household details
- Complete list of current obligations
- Explanation of relevant recent changes
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
Does WHI Credit make the final decision?
No. WHI Credit prepares the application; the lender decides.
Does a ZEK entry always mean refusal?
The nature and context matter. The lender conducts its own assessment.
Can I request information about my data?
ZEK describes the applicable data access procedure on its official website.
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