{"id":15977,"date":"2023-05-24T16:13:58","date_gmt":"2023-05-24T14:13:58","guid":{"rendered":"https:\/\/lica.ch\/?p=15977"},"modified":"2025-12-10T19:42:44","modified_gmt":"2025-12-10T18:42:44","slug":"main-reasons-for-a-loan-refusal","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/en\/credit-personnel\/les-principales-raisons-d-un-pret-refuse\/","title":{"rendered":"The main reasons for a loan refusal"},"content":{"rendered":"

Your application is complete, yet the bank refuses to grant you a loan? This situation is usually a source of great frustration. To make matters worse, financial institutions will not even tell you the reasons for the refusal. However, there are many reasons why a loan may be refused. Find out which ones in this new article. <\/p>\n\n\n\n

Strict rules for granting credit<\/h2>\n\n\n\n

Banks don't just decide whether or not to grant you a loan. Financial institutions are interested in granting a loan, because they see it as a way of making money. However, they are obliged to impose a number of conditions to ensure that the loan is profitable.<\/p>\n\n\n\n

In addition to consumer credit law<\/a>Every bank has its own internal guidelines for evaluating a customer's credit application. When lending money to a customer, lenders calculate how much they will earn and how likely it is that the loan will not be repaid. During this credit review, the bank may decide to reject the application if the risks are too high.<\/p>\n\n\n\n

For reasons of confidentiality, the reason for the loan refusal is unfortunately not communicated. It is therefore difficult to increase your chances of obtaining a private loan without knowing the reasons for the refusal. <\/p>\n\n\n\n

We'll show you the different reasons for a loan refusal!<\/p>\n\n\n\n

The main reasons for a loan refusal <\/h2>\n\n\n\n

Before going through the different reasons for refusal, you can also contact our specialized team, who will answer your questions free of charge 7\/7 days a week, directly on WhatsApp.<\/p>\n\n\n\n

You should also be aware that if your application is rejected, it is not advisable to apply more than once. This will have the effect of blocking any chance of obtaining financing at a later date, due to the accumulation of ZEK registrations. <\/p>\n\n\n\n

Ability to repay credit in 3 years<\/h3>\n\n\n\n

To contact a private credit, you must be of legal age. You cannot get a loan<\/a> before your 18e<\/sup> birthday. In addition, you must be able to repay the loan in full within 3 years (you don't have to repay the loan within this period, you just have to be in a position to do so). Otherwise, your application will be rejected.<\/p>\n\n\n\n

In most cases, a lawsuit means a loan is refused! <\/h3>\n\n\n\n

It's a sign of non-payment. Having a lawsuit filed against you is a serious disadvantage when it comes to obtaining credit. For banks, it's a very bad sign indeed. They may not grant you a loan if you find yourself in this situation.<\/p>\n\n\n\n

Insufficient remuneration<\/h3>\n\n\n\n

If your salary is not commensurate with the amount of your loan, financial institutions may refuse your credit application. They will consider that you will not be able to make the monthly payments on your loan. Optimize your budget<\/a> is therefore always very important before applying for private credit.<\/p>\n\n\n\n

Unemployment or a trial period<\/h3>\n\n\n\n

Banks may refuse your application if you are unemployed. The same applies to people on probation. Indeed, during a trial period, the employment contract can be interrupted with 7 days' notice. For lenders, this situation represents a risk. Your salary payments may be interrupted overnight, which could have a major impact on your monthly payments.<\/p>\n\n\n\n

Negative ZEK entries can also result in a loan being refused.<\/h4>\n\n\n\n

Before approving a loan application, lenders check the following criteria ZEK (central credit registry) <\/a>if your history shows a negative code. If this is the case, you may be refused. Among other things, the Central Credit Information Office can check your payment habits (fraud, card blocking, irregular payments, etc.).<\/p>\n\n\n\n

Loans refused when you're a young business owner<\/h3>\n\n\n\n

Setting up a business is certainly a dream, but banks can be reluctant to grant you credit. This is especially true when you're just starting out. Indeed, if you've been in business for less than a year, lenders will find it hard to estimate your monthly earnings.<\/p>\n\n\n\n

Retirement<\/h3>\n\n\n\n

Granting a pensioner credit<\/a> is very risky for banks. This is because it is impossible to seize OASI first-pillar benefits. If the pensioner is unable to make monthly payments, the financial institution will not be able to recover the funds.<\/p>\n\n\n\n

Disability insurance or social assistance<\/h3>\n\n\n\n

If you receive a disability pension or social security benefits, your application may be refused. In fact, these pensions cannot be seized in the event of non-payment of your credit. What's more, some banks systematically refuse to consider applicants with pensions.<\/p>\n\n\n\n

What should I do if my loan is refused?<\/h2>\n\n\n\n

No need to panic! There are solutions and Lica<\/a> is here to help. You can contact us at any time for free assistance. Use the following button to request contact:<\/p>\n\n\n\n

Now that we've seen the main reasons for a refused loan, let's take a look at how to remedy the situation. Each case has its own explanation and solution!<\/p>\n\n\n\n

Insufficient capacity to repay credit <\/h3>\n\n\n\n

In this case, no miracle is possible! You'll have to review your budget and, if necessary, contact a bank that can calculate your expenses more advantageously. Lica is here to help you avoid this type of situation by guiding you towards realistic and affordable solutions. <\/p>\n\n\n\n

Retirement, disability insurance or social assistance <\/h3>\n\n\n\n

In all three situations, the problem is always the same! Since pensions and benefits cannot be seized in the event of non-payment of your private loan, banks are very strict about the conditions of acceptance. Here again, the best solution is to work on your budget and apply to a bank that is more flexible when it comes to budget calculations.<\/p>\n\n\n\n

Unemployment or a trial period is not necessarily a reason for refusing a loan!<\/h3>\n\n\n\n

Patience is the key word here! You'll have to wait until the trial period is over, or until you've returned to work. In this case, however, it's worth considering applying with another member of your family. This will increase your budget and enable the bank to obtain all the guarantees it requires. Once the loan has been granted, don't forget to insure your monthly payments in the event of unemployment<\/a> !<\/p>\n\n\n\n

In the event of prosecution<\/h3>\n\n\n\n

In any case, you'll have to pay off your debts before you can take out a loan. In certain exceptional situations, however, it may be possible to obtain credit with one or two lawsuits. In this case, the best thing to do is to contact Lica for a free analysis of your situation before applying for a private credit.<\/p>\n\n\n\n

There are solutions for the self-employed too! <\/h3>\n\n\n\n

Although a private loan will certainly be refused in your first year of business, it's not the only way to obtain financing. As a neutral and independent service provider, Lica also offers you interesting alternative solutions such as independent credit<\/a>.<\/p>\n\n\n\n

Loan turned down? Lica is here to help!<\/h2>\n\n\n\n

There are many reasons why a bank may refuse your application for a private loan. However, even if your application has been rejected by a number of institutions, there's no need to rush to dubious loan offers. There are many offers on the market that do not mention any conditions or criteria for obtaining credit. Loans without a credit check are often a scam to be avoided. By making the wrong choice, you could fall victim to a scam and lose a lot of money.<\/p>\n\n\n\n

Now that you have all the information you need to avoid the mistakes associated with a private credit refusal, take the time to ask our specialists for a solution. Although it's always unpleasant to receive a negative response, you can count on Lica to support you in a confidential manner. <\/p>","protected":false},"excerpt":{"rendered":"

Votre dossier est complet et pourtant, la banque refuse de vous octroyer un pr\u00eat ? Cette situation est g\u00e9n\u00e9ralement une source de grande frustration. Pour amplifier votre agacement, les organismes financiers ne vous donneront d’ailleurs pas les raisons de ce refus. Pourtant, de nombreux motifs peuvent entra\u00eener un pr\u00eat refus\u00e9. D\u00e9couvrez lesquelles dans ce nouvel article. […]<\/p>\n","protected":false},"author":8,"featured_media":27894,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-15977","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-personnel"],"_yoast_wpseo_focuskw":"Pr\u00eat refus\u00e9","_yoast_wpseo_title":"Pr\u00eat refus\u00e9 - Voici les principales raisons et comment y rem\u00e9dier","_yoast_wpseo_metadesc":"Votre pr\u00eat est refus\u00e9 ? Pas de panique, Lica vous explique les raisons possibles et comment rem\u00e9dier \u00e0 la situation. Il existe des solution !","yoast_head":"\nPr\u00eat refus\u00e9 - Voici les principales raisons et comment y rem\u00e9dier<\/title>\n<meta name=\"description\" content=\"Votre pr\u00eat est refus\u00e9 ? Pas de panique, Lica vous explique les raisons possibles et comment rem\u00e9dier \u00e0 la situation. Il existe des solution !\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lica.ch\/en\/personal-loan\/main-reasons-for-a-loan-refusal\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00eat refus\u00e9 - Voici les principales raisons et comment y rem\u00e9dier\" \/>\n<meta property=\"og:description\" content=\"Votre pr\u00eat est refus\u00e9 ? 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