Apply for a loan with a B residence permit? What to keep in mind
Do you have a B permit and would like to take out a loan in Switzerland? Then you’ve probably already asked yourself the question:
“Is that even possible – or will my application be automatically rejected?”
The answer is: It depends. Many banks are cautious when it comes to B permits, especially for short stays. But there are also exceptions – and that’s exactly where kredit-vergleich.ch comes in. With our partners, we also review cases that are often rejected by standard banks.
Why is a B permit problematic?
The B permit is issued in Switzerland for long-term stays. It is usually valid for five years, but can also be shorter. For many banks, this uncertainty is a problem. Because:
- The shorter you live in Switzerland, the more insecure your situation appears.
- The creditworthiness is often not documented or difficult to trace.
- The risk of default is estimated to be higher.
The challenge: Banks check these points carefully
| Factor | Meaning |
|---|---|
| Duration of stay | Often at least 24 months are required |
| Employment contract | A permanent contract improves the chances |
| Duration of approval | Remaining term of the B permit must be sufficient |
| Creditworthiness | No debt collection proceedings or negative ZEK entries |
kredit-vergleich.ch: Solutions from 12 months stay
While many banks only check loans after two years of residence, we work with partners who carry out an individual review from as little as 12 months.
This is possible if the following conditions are met:
- You have been in Switzerland for at least 12 months without interruption
- You have a permanent employment contract
- Your B permit is valid for at least 12 months
- Your credit rating is clean
We will review your case individually and only forward it if there is a realistic chance of being accepted.
Special case: Changed from G to B permit
If you have previously worked as a cross-border commuter with a G permit in Switzerland and now have a B permit, you have a better chance. Because:
- Your income history is traceable
- You have Swiss professional experience
- Banks see you as established
In such cases, a loan is often possible just a few months after a change of residence.
Conclusion: Loan with B approval is possible – with the right strategy
Even if it is more difficult with B permits, there are options. kredit-vergleich.ch works with specialized partner banks that offer flexible solutions. It is important that your documents are complete and that your financial situation is stable.
Frequently Asked Questions (FAQ)
1. Is a loan with a B permit allowed in Switzerland?
Yes, as long as you can prove sufficient creditworthiness and have a certain length of stay.
2. How long do I have to live in Switzerland?
Many banks expect 24 months, over kredit-vergleich.ch an examination is also possible from 12 months.
3. What documents do I need?
Employment contract, pay slips, debt collection statement, copy of ID and current confirmation of residence.
4. Does my application also apply to a fixed-term employment contract?
This is more difficult, but will be examined on a case-by-case basis.
5. Can I get a loan even with a negative entry?
Usually not, but for smaller entries, an examination can be worthwhile.
6. What about a change from G to B permit?
This is an advantage – especially if you already had income in Switzerland before.
7. How high can the loan be?
Depending on income, amounts of 5,000 to 350,000 francs are possible.
8. How quickly will the loan be paid out?
After full review and acceptance, the payment will be made after the statutory waiting period of 14 days for loan amounts up to CHF 80,000. Loan amounts of CHF 80,000 or more have no waiting period and can be paid out immediately.
9. Will my request be stored or shared?
No, we work in compliance with the GDPR and only forward your data with your consent.
10. How much does the inquiry cost at kredit-vergleich.ch?
The enquiry is non-binding and free of charge.
