Your life is made up of opportunities and projects. Financing these can sometimes be tedious. How can you achieve your ambitions in a simple, fast and transparent way? Let's take a look at who credit is an ideal solution for!
For those who want to study.
Developing your skills is a significant asset to stand out in a professional world that is increasingly demanding certifications and other academic recognitions. Whether it's to anchor your position in the long term or to aim for a promotion, training is one of the keys to your success.
It should be noted that 89% of companies in Switzerland support continuing education in one way or another. On the other hand, only 51% of them have a budget to finance this approach.
So what about your personal training plan? Also, how do you combine quality and finances for parents looking to offer the best possible education to their children?
Our tip: Take charge of your personal development and have the freedom to choose the best solutions for your needs. Credit offers you this possibility.
Freedom. We talked about it earlier. Let's take an example of a loan of CHF 5,000 over 60 months. Depending on the terms and conditions, your monthly payment would be around CHF 105. If you want to repay early, you can. The interest paid would only cover the actual repayment period.
Please note: The credit is not available to people with student status. These are people who can prove a source of income and enrol in a training course or parents who want to choose the most suitable training institute for their children.
For those with an entrepreneurial soul.
Running your own business, starting your own business or running an organization that faces so many challenges... It takes courage and it takes resources.
There can be many scenarios that require funding. Here are a few examples:
Modernize your IT infrastructure.
Refurnish and/or renovate your offices.
Expand, create a subsidiary.
Buy a vehicle.
Develop a business project.
Purchase equipment.
Free up funds to meet payment deadlines.
Invest in another company.
The list goes on. Your time is precious. What should we do about it?
First, find out about your options. For example, at Milenia, it is possible to obtain financing in the name of your company through crowdlending.
Unlike a "classic" loan financed by a bank, participatory credit is financed by individuals through the neocrédit.ch platform.
There are other solutions. What they all have in common is a fast, simple and transparent application process. What documents do I need to provide?
Your balance sheet covers one fiscal year, preferably two.
A blank certificate from the debt collection office.
A copy of active transactions conducted by your company.
A copy of your registration with the Commercial Register.
A copy of your ID (both sides).
Your bank account statements for the last 6 months.
There will always be an administrative element when applying for a loan. However, you should know that all of this is now done online, easily and quickly. You will have your answer in record time.
For those who want to celebrate their love.
And what better way than to celebrate your union, surrounded by your loved ones and family?
Few moments in a lifetime generate as much emotion as your wedding.
Depending on your desires, your wedding can also have a cost.
On average, according to the reference website mariage.ch, this event costs CHF 30,000 for 100 guests. Of course, it is a beautiful wedding, but when you list the number of so-called 'classic' services, you can better understand this figure:
Wedding rings.
The suit and the dress.
Animations.
The photographer.
Floral decorations.
Room rental.
Catering service.
The music.
...
There's no need to go into debt for life. Our advisors will guide you through the process, which is quick and easy. A loan corresponding to your budget and your reality will be discussed with you so that you can fully enjoy your day, with complete peace of mind.
For those who want to fly.
We talked about continuing education, entrepreneurship and marriages. It's time to rest and take a well-deserved vacation!
Our personal finances sometimes get in the way of achieving our dreams. As a result, we put it off each time until the following year. Except that the years go by and time passes.
So, find the best offer on the market for the trip of your dreams and we will take care of finding you the best offer on the market for its financing!
For those who want freedom!
Two wheels, four wheels, new or second-hand vehicles, for leisure or work... If you make the rounds of dealerships, you will certainly have noticed the term 'leasing'. Low rates, full of advantages and yet... Credit is often more attractive.
Why a loan rather than a lease?
No amount to advance. For leasing, yes.
The vehicle belongs to you immediately. Not as part of a lease.
You can deduct the interest from your taxes. Not with leasing.
You choose your garage and the type of insurance coverage (safety first). It's not so easy with leasing.
No limit on the number of kilometres travelled. Limitation with leasing.
Early repayment is possible. Not possible with leasing.
In addition, for used vehicles, the interest rates are about the same.
For those who love their cozy nest.
Do you want to redecorate, change furniture, renovate or have an extra bedroom? With credit, all of this is possible. What if you want to buy your property altogether? Let us explain.
Let's start with the basics. There are two types of mortgages:
The classic acquisition loan : the mortgage acts as collateral for the benefit of the lender.
A mortgage : this is a credit granted and secured by a mortgage.
These are the most frequently used formulas. They have a proven track record. However, the process is often complex and time-consuming. The conditions are numerous and the consequences of certain choices are sometimes difficult to predict. There is another solution.
With personal credit, it's simple, fast and much less restrictive. In addition, you can deduct the interest from your tax return. Of course, it all depends on your personal resources and the value of the property, but it is worth investigating. Our agents will be able to guide you in your reflections.
There are also possibilities for buying a property abroad. Contact us, we look forward to discussing your real estate project with you!
For those with toothaches.
And yes, there are not only life projects to be carried out. Seeing a dentist brings us back down to earth, but that's also our reality.
It is important to know that in Switzerland, your health insurance covers a lot of medical expenses. However, unless you have taken out supplemental insurance, you will have to pay for the dental expenses and as you know, this is not cheap.
Whatever your needs, credit offers you the advantage of spreading the repayment of your loan over time with the possibility of finalizing the payment early. Cheer up! With today's methods, you will feel almost nothing!
And what about Milenia?
At Milenia, you benefit from the best rates on the market, at the best conditions:
No application fees.
No hidden fees.
Sound advice, respectful of your budget.
The largest partner banks in Switzerland.
Caring and responsible support.
An interest rate starting at 4%.
A flexible repayment term of up to 120 months.
A possible loan amount of CHF 3,000 to 400,000. Your request made in a few minutes.
A response within 24 hours.