The Swiss credit platform

The Best Of 2024

It was rock'n'roll in 2024! Let's look back at some key events.

The end of the year is fast approaching.

Time has flown by, and we are already looking ahead to Christmas shopping and end-of-year festivities.

This is the critical time at work because everyone wants to finalize their files, achieve their goals and finish on a high note.

You could say that it's the same old story every year. This is not wrong.

And yet, 2024 was exceptional in many ways.

Let's review some of the highlights of the last twelve months.

 

Advice, always advice

And yes, Milenia continues to grow and remains a quality reference as a financing platform in Switzerland.

A fundamental aspect of our success is the relevance of the advice we provide to our loyal customers who benefit from our services in terms of personal loans, loss of earnings insurance and credit cards.

Beyond these services, we are at your side to inform you on a wide range of other topics important to your well-being.

This year, we were able to talk to you about tenants' rights, the consequences (and solutions) when you are unable to repay a loan, bank verification procedures, medical questionnaires sometimes presented by a service provider, Open Banking and the evolution of the credit world in Switzerland.

However, life is not only about financial operations and the financing of your projects and it is with a touch of pleasure and good humor that we shared our observations on more transversal subjects.

Here are a few.

 

Paris Olympique!

What a show, what an organization, what emotions!

Yes, the Seine is not necessarily the healthiest open swimming pool in the world, but apart from this faux pas, we can only applaud the spectacle presented by our Gallic neighbours.

Congratulations to them, congratulations to all the athletes and congratulations to our athletes who won 8 medals including one gold!

Let's see what Los Angeles has in store for us in 2028... Although...

 

Trump Olympic!

Precisely, the United States; Let's talk about it.

Our dear Donald won in a sprint and by far.

Let's face it, the majority of Swiss and Europeans would have liked a different result.

We will never forget the scenes of migrants eating cats and dogs, or the pseudo disco jive on stage for an hour, or the genital description of a former sportsman at one of his gatherings.

However, the fear of purchasing power was stronger than all the obscenities shared by a clearly unstable candidate.

With Joe Biden in cognitive decline and Trump true to form, was this all the United States had to offer?

But such is democracy.

See you in 2025.

We are pretty sure that the new president will give pride of place to the annual "Best Of".

 

Olympic streaming!

You remember the time when you said "we'll only take a streaming platform my darling, no more. Hop for Netflix and that's it."

2024 was the year of consecration of streaming platforms of all kinds.

Despite your good intentions at the beginning, how many of you now have Netflix, Disney+ and Amazon?

No judgment on our part, we do the same! There are of course the clever ones who bend the rules, but let's be honest, it's understandable.

Brief. After the internet, emails, shared files, digital music, social networks, smartphones, other social networks... Welcome to platform packages that offer more content than you can swallow.

Shall we stop there with the technological innovations? To breathe between the iPhone 38 and the Samsung 49?

I wish. Enter the A.I.

 

L’A. I…. Solution olympique?

Chat GPT-4. The words on everyone's lips in 2024.

Superlatives follow one another to describe what is possible with the tool.

An investment strategy in the remote regions of the Amazon? It's possible.

A presentation on the potential for nuclear fission framed by ants? It's not plausible but not impossible.

How to be happy in life? Let us explain.

A presentation on heart rhythm during an operation? It's easy.

No need to think, no need to learn by making mistakes, no need to invest. All you must do is put the right prompt and you're done.

Ah, the A.I. The solution to all our problems.

The war in Ukraine, the A.I. will solve it. Drones are well in autopilot, aren't they?

The administrative burden. The A.I. will replace the civil servants and that's it.

What to do with the unemployed, you ask me? It will take many people to keep the A.I. running. Are they not competent in this matter? They don't want to do this kind of work. Don't worry, the A.I. will find a solution.

So yes, we are a bad player because artificial intelligence does us a lot of services.

Indispensable help to researchers, academic bodies, medical laboratories, research and development centers, for many facilities in our daily lives...

It's not all doom and gloom.

However, at the end of the year... Is humanity sufficiently educated, inspired, visionary not to provoke its own decline?

After all, wars are still being launched in Europe, hard-won social advances are being called into question, extremes are being leaned towards the end because it will always be the fault of the "other"...

Reading a book, creating something original, making an artistic work without digital aid, taking a photo without retouching, trusting the information transmitted without fear of manipulation...

Let's find the right balance to keep people at the center of our decisions and not become slaves to the easy way.

 

2025… Olympic!

Accept our apologies for our slightly negative view of the "Best Of 2024". We could have said the "Worst Of".

What comforts us, what makes us proud... In the end, it is you, our dear readers, our dear customers.

You who have trusted us for the realization of your projects.

Some of your dreams came true this year.

A trip, a new business, a wedding, a renovation, a purchase... Thanks to your loyalty, we accompany you on your life journeys.

The best loans, the best rates, the best banking partners... the best, for you.

We did it in 2024 and we will continue in 2025.

We will not exert any influence on geopolitics, we will not create a CHAT GPT dedicated to the development of fundamentally human interactions (unfortunately), we will not be able to choose a tie other than red for Trump but we will know how to be by your side.

And we promise, the articles on our blog, although imperfect or even weird, will be imagined by our brains and written using our little fingers. Promised!

 

 

 

 

Boost Your Bonus: Creative Ideas for Using It

Need a hand to spend your annual premium? We're here for you!

The variable part of the salary is a bonus awarded to almost a third of employees in Switzerland.

Statistics show that a bonus reaches an average of CHF 11,500.

However, the upward impact of this average due to the generous contribution of the financial sector and the tobacco industry to their employees must be considered.

For most beneficiaries, the average bonus received is barely CHF 1,800 for an employee working for the public administration and barely CHF 5,000 for an employee in the private sector who does not hold a managerial position.

For the minority of beneficiaries, the question is therefore how best to use these funds. Here are some original ideas.

 

Want a Ferrari?

Let's face it, even if you get a solid bonus, you'll have to accumulate many years of bonuses before you can afford this Italian car.

What to do in the meantime?

Use your reward to book a circuit tour of Imola in a Ferrari. It's still an expensive operation, but at least you'll have driven the car of your dreams; what's more, in Italy!

If your aspirations are more reasonable, buy your vehicle rather than a lease.

If you need additional cash to buy your car, contact us.

You become the full owner, you are free to resell your vehicle whenever you want, and you have the free choice of insurer.

A new kitchen?

Is your worktop worth replacing? A new dishwasher perhaps? Need to modernize your kitchen space?

Why not use your bonus for this purpose?

Too expensive?

A personal loan can make up for the shortfall so that you can carry out your project.

At worst, indulge in a gourmet restaurant and enjoy other people's cuisine.

Your dishwasher will always make a wearing noise but at least, as a good epicurean, you will have a wonderful evening dinner.

 

The wedding of your dreams?

Do you dream of celebrating your wedding with all your family, all your friends, in a magical place with the best caterer in the region?

No limit for the floral decoration, the band, your suit and the wedding dress?

A carriage to pick you up and drop you off in front of the church? Alliances worthy of a royal ceremony?

It's too much? No need for all this? Are you more interested in your honeymoon?

So, don't get married and plan your dream trip instead.

In addition, you will not be penalized in terms of tax taxation!

It's true that a round trip to Bali is not cheap and even if a hotel on site and a few restaurants won't blow your budget, the sum is still substantial.

Opt for a helping hand from Milenia.

You will have your file validated in 24 hours and your money paid out immediately.

You will only have to get married after the trip in a smaller group.

However, don't forget to invite us to share this moment of happiness with you!

 

Do you receive your bonus before Christmas?

It's perfect!

You can please those around you by giving them the most beautiful gifts possible on New Year's Eve!

A new watch for your brother, a beautiful piece of jewelry for your mother, the latest console for your nephew and Taylor Swift concert tickets for your little sister!

Or not...

Are you eyeing the latest timepiece presented at the Watches and Wonders show?

Are you also tempted by the console?

Why not go to the Taylor Swift concert yourself with your partner but in Las Vegas?

Tempting, isn't it?

So, you know what. You have earned this bonus. It's yours to use as you see fit!

Treat yourself and plan the concert around Christmas, so you won't have to be ashamed of the box of cookies offered to your loved ones!

For people with foresight

For those who care about their retirement provision, it is recommended to plan.

What will your pensions be?

How do you see the end of your career?

What is your investment strategy?

Where do you plan to live when you retire?

If you think you do not have a full career in Switzerland, purchases of the 2nd pillar are possible. Find out about the minimum brackets required.

Consider the positive effects on your tax brackets.

Estimate the return on these forward redemptions.

Perhaps it is more interesting to set up a 3rd pillar?

What are the tax advantages?

Is it too late to build up additional savings?

Are these contributions in fixed or flexible amounts?

As much as we can be a bit of humorous when it comes to Christmas gifts or honeymoons, your forethought should be taken seriously.

In this context, a plan has the merit of existing, but strangers are part of our lives. If you are thinking about your pension provision, you should also be prepared if you unfortunately lose your job.

What would be the financial consequences in the short and medium term?

This deserves your attention as well.

Solutions exist to compensate for a possible loss of income.

With Milenia, loss of earnings insurance coverage is within your reach.

Do not hesitate to ask one of our advisors for more information. We will be able to guide you in this direction.

With that in mind, perhaps your bonus will be more useful if it is not spent. Why not simply invest it to prepare for the post-career?

Whether you are a Ferrari fan, eager for Michelin-starred restaurants, a Taylor Swift geek, a frequent traveler or simply a foreseeable person, a helping hand is sometimes necessary to make your projects and dreams come true.

If this is the case for you, trust professionals who will be able to advise you in a human, personalized, simple and transparent way.

All this, in a confidential manner and with the benefit of the best tools and financial partners on the market.

All this is Milenia. We are at your side! With or without bonuses.

 

 

 

 

Excellence in Private Credit: Discover our new website!

Our new website will be launched soon highlighting our core business, excellence in personal credit.

Everything is done to serve you better!

Since the launch of Milenia, we have been committed to innovating, becoming and remaining the benchmark in Switzerland in terms of financing platforms.

Today, our customers come back to us delighted with their experience and the advice provided. You only must browse the comments on our website to see for yourself.

In the end, the years go by, but quality remains our priority.

Our new website is designed with this in mind.

To make your life easier, simplify your user experience, facilitate your administrative procedures, inform you about the latest trends in the financing market, advise you and offer you the best rates in the sector...

All this, in one place.

After all, your time is precious. So, we bring together all the tools and information you need in one platform.

A constant in the quality offered!

The launch of the new website allows our teams to identify our high value-added services; Financing solutions that, since the creation of Milenia, have set us apart from the classic offers offered by our colleagues.

We are the preferred partner of leading banking players in Switzerland, we have an extensive network of financial institutions ready to finance your projects, we are constantly increasing our business portfolio and are always aiming for better returns from our customers.

Clarity in the information transmitted, simplification of your procedures, responsibility in the analysis of your file and the quality of individualized support; These values guide us in everything we do, day by day.

External surveys conducted by recognized institutions demonstrate the level of quality of the services offered, the quality of the customer experience and the quality of our internal management. This desire to surpass itself also extends to our teams in our communication and training. This gives you the best advice and a fully individualised approach.

Our core business: personal credit

Personal credit is the area in which we excel! It is therefore quite natural that this service is at the center of our attention.

Getting a personal loan to carry out your projects has never been easier. As soon as your financial situation is healthy, we will draw up your credit application file by customising the conditions to your needs and your ability to repay.

We create a case that maximizes your chances of acceptance. This capacity is unmatched in the private bond industry.

Increase your chances of success, but not at any cost.

Our responsibility and code of ethics guide our file building processes. We only enter the matter if a case of over-indebtedness does not pose any risk, in accordance with the rules of good conduct dictated by the Consumer Credit Act.

The realization of your projects but also, the protection of your interests

The unexpected is part of life.

Losing one's job is one of these cases. How to deal with it? How can we ensure an adequate level of remuneration?

Our Helvetia Income Protect insurance solution can support you in these difficult times.

We wish you a smooth career, but just in case, this insurance can cover your loss of earnings.

Plan and contact us to find out more.

As the saying goes, prevention is better than cure.

Always so easy and simple!

No matter how much we develop our website, when you go there, you realize how easy it is to simulate a loan.

This is the case today and it will be even more true with the new version.

The amount, the repayment period, an example of the rate applied and your monthly payments; everything is at your disposal.

You want to submit your application immediately, it is possible.

If you want to find out about your rights and obligations, all the information is available.

If you want to know more about your creditworthiness and the cleaning of your data, we can help you.

What happens next?

When you decide to make your request, once the file is completed, you will have a response within 24/48 hours.

How is that possible?

Because the establishment of your file is quick and simple. This gives us time to analyse your request and finalise the file for sending to our banking partners.

By quick and simple, we also mean a minimum of paperwork to manage.

You can simply scan or take a picture of the required parts.

Would you like to sign your credit agreement electronically? This is possible thanks to our tools.

Everything, or almost everything, can be done remotely in a minimum of time.

How much does it cost?

Nothing.

You do not have to pay anything for the constitution of your file. We do not charge any administrative or management costs; Our remuneration is covered by our banking partners.

Beware of brokers or organizations asking you for an advance or payment of any kind; This is neither ethical nor in accordance with the laws in force.

Only trust a recognized player based in Switzerland and with an excellent reputation.

Your credit card

Thanks to our privileged relationships with many financial institutions, we are also able to offer you your Certo credit card! One Mastercard® Milenia at particularly attractive conditions.

No annual fees, bonuses for your purchases, effective insurance coverage, various benefits for your purchases made in a range of shops... Learn; you will be pleasantly surprised.

Milenia, by your side

As you can see, if you are looking for a loan adapted to your needs, respecting your budgetary capacity, on good terms... Visit our funding platform. If you would like to speak to us directly or visit us, this is of course also possible.

You want to save time, reduce administrative tasks and have transparent and clear information, this is also the place for us.

If other solutions such as loss of earnings insurance or obtaining an advantageous credit card seem relevant to you, we are also there for you.

Milenia, by your side.