What documents are needed to obtain a loan?

documents to obtain a credit

Building a solid file is one of the criteria for obtaining private credit! Indeed, financial organizations will ask you to justify your situation before granting you a loan. They will need various official documents with which they can study your borrowing capacity. These documents will also be used to set the conditions of your credit. In this article, Lica explains to you what documents you need to gather before submitting your request for private credit.

What are the documents to obtain a credit?

Your ID

The lending institution will ensure that you identify you before granting you a loan. It will record your personal information. For this, we will ask you for a copy of your official identity document (identity card, passport, residence permit). It is important to provide a valid document. The copy of your identity document must also be clear and perfectly legible on the front and back.

Lica se charge d’effectuer gratuitement la copie certifiée de votre pièce d’identité.

No additional costs with Lica!

Pour faciliter votre demande, Lica effectuera également cette copie conforme uniquement du moment qu’un accord de financement aura été trouvé avec un établissement prêteur. Nous évitons ainsi de vous faire perdre du temps inutilement.

Your payslips and professional status

The feasibility examination of your credit application involves checking your salary. For this, the banks will generally ask you for your last 3 payslips. It is important not to confuse the payslips with the salary certificate. Thanks to your payslips, the lending establishments will know that you are in a working relationship and that you will be able to honor your monthly payments.

It happens that Lica vous demande également une preuve justifiant de votre statut professionnel (employé, au bénéfice d’une rente ou indépendant). Cette démarche mais n’est pas là pour vous contraindre mais de nous permettre de mieux comprendre votre situation. Ainsi, nous pouvons plus facilement négocier avec les établissements prêteurs.

A proof of your place of residence and your rent

Une copie de votre contrat de bail ou contrat hypothécaire (si vous êtes propriétaire) vous sera demandé pour justifier votre loyer et connaître votre lieu de résidence. Ainsi, Lica pourra également calculer au plus juste votre budget et obtenir des conditions les plus avantageuses possibles. Pour les banques, la vérification de votre domicile légal permettra également de s’assurer de votre creditworthiness. Il s’agira aussi de s’assurer une continuité dans les correspondances en cas de non-paiement par exemple.

The documents to obtain a credit vary according to your situation

Bien que les trois documents précités vous seront toujours demandés, il arrivera souvent que des compléments d’informations soient nécessaires pour établir votre demande. En effet, chaque situation étant unique, Lica prendra toujours le temps de bien vous connaître avant de préparer un dossier. Peut-être pensez-vous qu’il s’agit d’une perte de temps ? En réalité, ce processus de prise de connaissance, vous fera gagner un temps très précieux ! Une fois votre dossier complet, Lica sera en mesure de vous répondre en moins de 24 heures et pourra surtout vous obtenir the best market conditions before you submit an offer.

In order to guide you as well as possible, we have detailed below the list of documents to provide us according to your situation.

documents to obtain a credit

For an employee residing in Switzerland

Do you work for a company and live in Switzerland? Here are the documents we will ask you for:

  • a copy of your identity document. You can also provide a copy of your C or B license if you are of foreign nationality;
  • a copy of your last 3 payslips if you have a fixed salary. If you are paid by the hour, you will need to provide us with your last 6 payslips;
  • if you are a tenant, a copy of your rental lease agreement and if you are a landlord, a copy of your mortgage agreement;
  • a copy of your health insurance policy.

For a self-employed person residing in Switzerland

Are you self-employed and live in Switzerland? The following documents will be requested:

  • a copy of your identity document. You can also provide a copy of your C or B license if you are of foreign nationality;
  • a copy of your last tax taxation ;
  • if you are a tenant, a copy of your rental lease agreement and if you are a landlord, a copy of your mortgage agreement;
  • a copy of your health insurance policy.

We may also ask you for a copy of your account statements with your income history. This is to confirm that your tax assessment reflects reality.

For employees in Switzerland but residing outside the territory

Your job is in Switzerland but you live outside the country? Whether you have Swiss nationality or a license G, we will ask you for the following documents:

  • a copy of your identity document and a copy of your G permit;
  • a copy of your last 3 payslips if you are paid on a fixed basis and if you are paid by the hour, you must provide us with your last 6 payslips;
  • the last 3 statements of your Swiss or foreign bank account;
  • a photocopy of your last electricity bill;
  • if you are insured in Switzerland, you will need a copy of your health insurance policy.

Pour les retraités ou les personnes bénéficiaires d’une rente

You will be asked for the following documents:

  • a copy of your identity document. You can also provide a copy of your C or B license if you are of foreign nationality;
  • a copy of your last 3 account statements justifying the pensions you receive each month;
  • if you are a tenant, a copy of your rental lease agreement and if you are a landlord, a copy of your mortgage agreement;
  • a copy of your health insurance policy.

For any other personal situation

It is best to contact us to define together which documents will be sent to us. We will be able to prepare your request under the best possible conditions and obtain the desired loan for you.

Our conclusion on the documents to obtain a private loan

Les documents pour obtenir un crédit privé peuvent changer d’un établissement à un autre et d’une personne à une autre. L’analyse de votre demande de crédit se fera donc de manière très pointilleuse chez Lica. Ceci, dans le but de mettre toutes les chances de votre côté et vous assurer l’octroi d’un crédit à des conditions avantageuses. Une préparation optimum de votre dossier avant de soumettre celui-ci à une banque permettra également de ne pas attendre plusieurs jours avant d’obtenir une réponse.

Un dossier bien préparé, favorise vos chances d’octroi d’un crédit privé !

En tant que prestataire indépendant, Lica dispose d’une large expérience dans le domaine du financement. Nous pensons donc qu’il est toujours préférable d’investir un peu plus de temps au début de la relation pour ainsi augmenter vos chances d’être accepté pour un crédit. Lica favorise donc dans tous les cas a personalized approach of the issue and always takes the time to get to know your customers.

Now that you know the different documents to collect, you can proceed with your credit application. With Lica it's simple, fast and efficient! And yes, you make your request online in less than 2 minutes and then our specialized teams will do the work for you. This saves you time and money!

Do you have questions before making your request? Our advisers are there to answer your questions 7 days a week directly on WhatsApp. Ask us for more information and we will be happy to answer you!

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