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 takes care of making the certified copy of your identity document free of charge.
No additional costs with Lica!
To facilitate your request, Lica will also make this true copy only when a financing agreement has been found with a lending institution. This way we avoid wasting your time unnecessarily.
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 also asks you for proof of your professional status (employee, pensioner or self-employed). This approach is not there to force you but to allow us to better understand your situation. Thus, we can more easily negotiate with lending institutions.
A proof of your place of residence and your rent
You will be asked for a copy of your lease contract or mortgage contract (if you are the owner) to justify your rent and know your place of residence. Thus, Lica will also be able to calculate your budget as accurately as possible and obtain the most advantageous conditions possible. For banks, checking your legal domicile will also ensure your creditworthiness. It will also be a matter of ensuring continuity in correspondence in the event of non-payment, for example.
The documents to obtain a credit vary according to your situation
Although you will always be asked for the three aforementioned documents, it will often happen that additional information is necessary to establish your request. Indeed, each situation being unique, Lica will always take the time to get to know you well before preparing a file. Do you think this is a waste of time? In reality, this familiarization process will save you precious time! Once your file is complete, Lica will be able to respond to you in less than 24 hours and will above all be able to get you 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.
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.
For retirees or recipients of a pension
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
The documents for obtaining private credit can change from one institution to another and from one person to another. The analysis of your credit application will therefore be done very meticulously at Lica. This, in order to put the odds on your side and ensure the granting of credit on advantageous terms. An optimum preparation of your file before submitting it to a bank will also make it possible not to wait several days before obtaining an answer.
A well-prepared file improves your chances of granting private credit!
As an independent service provider, Lica has extensive experience in the field of financing. We therefore believe that it is always better to invest a little more time at the beginning of the relationship to increase your chances of being accepted for credit. Lica therefore favors in all cases 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!
