{"id":15461,"date":"2023-06-20T20:22:03","date_gmt":"2023-06-20T18:22:03","guid":{"rendered":"https:\/\/lica.ch\/?p=15461"},"modified":"2026-06-09T21:40:26","modified_gmt":"2026-06-09T20:40:26","slug":"required-documents-to-get-a-loan","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/en\/credit-personnel\/quels-sont-les-documents-necessaires-pour-obtenir-un-credit\/","title":{"rendered":"Which documents are required to obtain a loan?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Putting together a solid file is one of the criteria for obtaining a private loan! Financial institutions will ask you to justify your situation before granting you a loan. They will need various official documents with which to study your borrowing capacity. These documents will also be used to set the terms and conditions of your loan. In this article, Lica explains what documents you need to gather before submitting your private credit application.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What documents do I need to obtain credit?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Your ID<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The lending institution will identify you before granting you a loan. It will record your personal details. To do this, we will ask you for a copy of your official identity document (ID 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 both sides.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To make it easier for you, Lica will also make this certified copy only once a financing agreement has been reached with a lending institution. In this way, we avoid wasting your time unnecessarily.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Your pay slips and professional status<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The first step in checking the feasibility of your credit application is to verify your salary. Banks will usually ask for your last 3 pay slips. It's important not to confuse pay slips with salary certificates. Thanks to your pay slips, lending institutions will know that you are in an employment relationship and that you will be able to meet your monthly repayments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/en\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lica<\/a> also requires proof of your employment status (employee, pensioner or self-employed). This step is not intended to constrain you, but to enable us to better understand your situation. This makes it easier for us to negotiate with lending institutions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Proof of residence and rent<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A copy of your lease or mortgage contract (if you're a homeowner) will be requested to justify your rent and find out where you live. This will also enable Lica to calculate your budget as accurately as possible and obtain the most advantageous terms possible. For banks, verifying your legal address will also help ensure that you're in good standing. <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/en\/supplementary-unemployment-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">solvency<\/a>. It will also ensure continuity in correspondence in the event of non-payment, for example.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The documents you need to obtain credit vary according to your situation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although you will always be asked to provide the three above-mentioned documents, it will often be the case that additional information is required to complete your application.  Because every situation is unique, Lica will always take the time to get to know you before preparing a file. Perhaps you think this is a waste of time? In reality, this process of getting to know you will save you precious time! Once your file is complete, Lica will be able to get back to you in less than 24 hours, and above all will be able to get you <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/en\/personal-loan-2\/your-personal-loan-at-the-best-rate-in-switzerland\/\" target=\"_blank\" rel=\"noreferrer noopener\">the best market conditions<\/a> before submitting an offer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To help you find your way around, we've listed below the documents you'll need to provide us with, depending on your situation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">For employees residing in Switzerland<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Do you work for a company and live in Switzerland? Here are the documents we'll need from you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a copy of your identity card. You can also provide a copy of your <a class=\"lien-blog\" href=\"https:\/\/www.swissinfo.ch\/fre\/permis-de-travail\/29020840\" target=\"_blank\" rel=\"noreferrer noopener\">C or B license<\/a> if you are a foreign national ;<\/li>\n\n\n\n<li>a copy of your last 3 payslips if you are paid a fixed salary. If you are paid by the hour, you will need to provide us with your last 6 payslips;<\/li>\n\n\n\n<li>if you are a tenant, a copy of your rental contract and if you are an owner, a copy of your mortgage contract;<\/li>\n\n\n\n<li>a copy of your health insurance policy.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">For self-employed Swiss residents<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Are you self-employed and live in Switzerland? The following documents are required:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a copy of your identity card. You can also provide a copy of your C or B driving license if you are a foreign national;<\/li>\n\n\n\n<li>a copy of your latest <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/en\/personal-loan-2\/how-taxation-of-personal-loans-works-in-switzerland\/\" target=\"_blank\" rel=\"noreferrer noopener\">fiscal taxation<\/a> ;<\/li>\n\n\n\n<li>if you are a tenant, a copy of your rental contract and if you are an owner, a copy of your mortgage contract;<\/li>\n\n\n\n<li>a copy of your health insurance policy.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">We may also ask you for a copy of your bank statements showing your income history. This is to confirm that your tax assessment reflects reality.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">For employees in Switzerland who live outside the country<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Do you work in Switzerland but live outside the country? Whether you are a Swiss citizen or a foreign national, we can help. <a class=\"lien-blog\" href=\"https:\/\/www.sem.admin.ch\/sem\/fr\/home\/themen\/aufenthalt\/nicht_eu_efta\/ausweis_g__grenzgaengerbewilligung.html\" target=\"_blank\" rel=\"noreferrer noopener\">G permits<\/a>we will ask you for the following documents:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a copy of your identity card and a copy of your G license;<\/li>\n\n\n\n<li>a copy of your last 3 payslips if you are paid on a fixed basis; if you are paid by the hour, you will need to provide us with your last 6 payslips;<\/li>\n\n\n\n<li>The last 3 statements from your Swiss or foreign bank account;<\/li>\n\n\n\n<li>a photocopy of your last electricity bill ;<\/li>\n\n\n\n<li>if you are insured in Switzerland, you will need a copy of your health insurance policy.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">For retirees or pensioners <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The following documents are required:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a copy of your identity card. You can also provide a copy of your C or B driving license if you are a foreign national;<\/li>\n\n\n\n<li>a copy of your last 3 bank statements showing the amount of pension you receive each month;<\/li>\n\n\n\n<li>if you are a tenant, a copy of your rental contract and if you are an owner, a copy of your mortgage contract;<\/li>\n\n\n\n<li>a copy of your health insurance policy.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">For all other personal situations<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The best thing to do is to contact us to discuss the documents you'll need to send us. This will enable us to prepare your application in the best possible conditions and get you the loan you want.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Our conclusion on the documents needed to obtain a private credit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The documents required to obtain a private loan can vary from one institution to another, and from one person to another. At Lica, your credit application will be carefully analyzed. Our aim is to give you the best possible chance of obtaining a loan on the best possible terms. Optimal preparation of your file before submitting it to a bank will also ensure that you don't have to wait several days for a reply.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As an independent service provider, Lica has extensive experience in the field of financing. That's why we believe it's always best to invest a little more time at the start of the relationship to increase your chances of being accepted for credit. In all cases, Lica favors <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/en\/lica\/benefits-of-getting-a-loan-with-lica\/\" target=\"_blank\" rel=\"noreferrer noopener\">a personalized approach<\/a> and always takes the time to get to know his customers. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now that you know what documents you'll need, you can apply for credit. With Lica it's simple, fast and efficient! That's right, you apply online in less than 2 minutes, and then our specialized teams do the work for you. That saves you time and money!<\/p>","protected":false},"excerpt":{"rendered":"<p>Monter un dossier solide figure parmi les crit\u00e8res pour obtenir un cr\u00e9dit priv\u00e9 ! En effet, les organismes financiers vous demanderont de justifier votre situation avant de vous accorder un pr\u00eat. Ils auront besoin de diff\u00e9rents documents officiels avec lesquels ils pourront \u00e9tudier votre capacit\u00e9 d&#8217;emprunt. Ces documents leur serviront \u00e9galement \u00e0 fixer les conditions [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":27900,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-15461","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-personnel"],"_yoast_wpseo_focuskw":"Documents pour obtenir un cr\u00e9dit","_yoast_wpseo_title":"Quels documents pour obtenir un cr\u00e9dit priv\u00e9 en Suisse ?","_yoast_wpseo_metadesc":"Les documents n\u00e9cessaires pour obtenir un cr\u00e9dit diff\u00e8rent d'un \u00e9tablissement \u00e0 l'autre. Lica vous explique comment pr\u00e9parer votre demande.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quels documents pour obtenir un cr\u00e9dit priv\u00e9 en Suisse ?<\/title>\n<meta name=\"description\" content=\"Les documents n\u00e9cessaires pour obtenir un cr\u00e9dit diff\u00e8rent d&#039;un \u00e9tablissement \u00e0 l&#039;autre. 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