What kind of requirements do I need to bring for a loan?+
For our loans the following requirements are needed:
- Legal age
- Employed or self-employed (for more than 12months in the 2nd case)
- No loss certificate
- Live in Switzerland or Liechtenstein or be a cross-border commuter
Additionally the allocation of a loan is generally dependent of your financial standing. Every loan application is reviewed individually in this context.
What loan amounts are possible for my loan? +
A loan application is possible for amounts between 3'000 CHF und 250’000 CHF.
You benefit from our special customer service for big loans with amounts starting at 80’000.
Therefore, you preferably ask us directly via mail or telephone for amounts starting at 80'000.
What durations and what rate amounts are offered? +
The duration of your loan can be between 12 and 84 months; the rate amount is therefore flexible and individually selectable.
What kind of documents do I need to apply for a loan?+
For this you need the following documents:
- The last two pay slips for both spouses/partners
- A copy of a valid identity card or passport
- For foreigners we additionally need a copy of your foreigner ID.
- We will contact you if any additional documents are needed, for example evidence about your living situation, health insurance, your work situation and your financial ability or about current loans.
Are there any fees for the completion of a loan? +
No, there are no transaction or account management fees.
How does the repayment of the loan work?+
The personal loan is paid back by monthly rates, which stay the same (the last rates may vary).
Unscheduled payments are also possible, if you wish.
The first rate has to be paid one month after the disbursement. This loan format is also called rate loan.
Can I offset the loan interest against my taxes?+
You can offset your interest on debt against your personal income tax. The interest statement needed for this will be automatically sent to you via mail at the end of the year. Feel free to contact our staff for more information.
When will I receive the money?+
You will receive the money once the revocation period of 14 days has passed, for which the date of the contract is decisive.
What is the authentication and where can I obtain it?+
How does the Mutuo AG loan calculator work?+
Our loan calculator allows you to combine different credit amounts and terms within the given limits and automatically calculates the corresponding monthly rate. In this way, you can easily determine your optimal installment and apply for your dream loan.