{"id":18724,"date":"2024-09-21T16:55:00","date_gmt":"2024-09-21T14:55:00","guid":{"rendered":"https:\/\/lica.ch\/?p=18724"},"modified":"2026-03-09T15:18:17","modified_gmt":"2026-03-09T14:18:17","slug":"understand-how-consumer-loans-work","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/en\/lica\/comment-se-deroule-votre-demande-de-credit-prive-avec-lica\/","title":{"rendered":"Your personal loan application with Lica!"},"content":{"rendered":"

When you want to obtain a private credit with good conditions, you need to submit your application to several banks. What's more, your credit application must demonstrate the best possible creditworthiness. The process therefore involves many pitfalls to avoid<\/a>. That's why it's always best to enlist the services of a knowledgeable private credit broker! <\/p>\n\n\n\n

In order to obtain the best possible terms for you, we have established a key process for completing your credit application in the best possible way. The Lica process is divided into 3 main steps.<\/p>\n\n\n\n

    \n
  1. Making contact<\/li>\n\n\n\n
  2. Processing your request<\/li>\n\n\n\n
  3. Payment of your funds<\/li>\n<\/ol>\n\n\n\n

    To give you a full understanding of the private credit broker<\/a>, We've decided to take you through these 3 steps in this new article. Enjoy your reading!<\/p>\n\n\n\n

    The main steps in applying for credit with Lica<\/h2>\n\n\n\n

    As explained above, the private credit application process at Lica consists of 3 stages. These are, making contact, processing your application and disbursing your funds. For your information, a private credit application is generally processed within 24 hours of receipt of all documents.<\/p>\n\n\n\n

    \"Credit<\/figure>\n\n\n\n

    First contact<\/h2>\n\n\n\n

    Take the time to get to know you and gather your information<\/h3>\n\n\n\n

    When we first contact you, it's always important for us to get to know you well. That's why our staff will first listen to your needs<\/a> to better understand your situation. During this stage, the private credit advisor will ask you a number of questions. Depending on your answers, he or she will be able to guide the preparation of your credit application.<\/p>\n\n\n\n

    Processing your credit application <\/h2>\n\n\n\n

    Analyze your credit application and optimize your budget<\/h3>\n\n\n\n

    To prepare your loan application file, your private credit advisor will ask you to a number of documents<\/a>. With these, he or she will be able to properly prepare your credit application. Based on the information contained in these documents, your private credit advisor will be able to determine how best to present your file. A well-prepared loan application will considerably increase your chances of having your loan approved. <\/p>\n\n\n\n

    Once your application is complete, it can be sent to the various financial institutions. Before this stage, in order to maximize your chances of acceptance<\/a>, An in-house operator will also check the quality of your file.<\/p>\n\n\n\n

    Validate your application internally before submitting it to the banks<\/h3>\n\n\n\n

    The verification of your application by an internal operator is a decisive step in the process. The aim is to avoid any rejections. Indeed, if you accumulate refusals in the central credit file (ZEK<\/a>), you'll reduce your chances of obtaining private credit. During this verification stage, the internal operator will validate your credit application beforehand. He will check that your information is correct and that your ability to support private credit<\/a> is viable over time. This verification step also helps to avoid any errors before submitting your file to credit institutions.<\/p>\n\n\n\n

    Solicit our partners and compare the offers received<\/h3>\n\n\n\n

    Once your file is complete, validated by an internal operator, and the prior notice is favorable to the granting of a private loan, we can submit it to the various lending institutions on the market. This is a delicate and crucial stage in the process. the granting process<\/a>. You might think that all you have to do is submit your application to as many establishments as possible, but that's absolutely not the case. On the contrary, you need to be patient and methodical!<\/p>\n\n\n\n

    In fact, each lending institution will have a different response. You will therefore need to adapt or correct your application before applying to other establishments. After an initial refusal, it would be a serious mistake to submit your credit application to a second institution without making the necessary corrections, which would certainly result in a second refusal. Receiving several consecutive refusals<\/a>, This could prevent you from obtaining private credit for several months or years. <\/p>\n\n\n\n

    At Lica, we maximize your chances of obtaining your private credit on the best possible terms. That's why we take the time to submit your private credit application intelligently.<\/p>\n\n\n\n

    Disbursement of funds relating to your credit application<\/h2>\n\n\n\n

    Before signing your contract, we will advise you on<\/h3>\n\n\n\n

    We've accomplished our main mission, and now you know you'll be able to receive the funds you're hoping for for your project. But our work doesn't stop here! Once we've received your acceptance, it's time for us to inform and advise you before you sign your private credit contract. At this stage, your private credit advisor will discuss the following issues with you:<\/p>\n\n\n\n

      \n
    1. How do you pay for your contract?<\/li>\n\n\n\n
    2. What is the interest rate<\/a> your private credit<\/li>\n\n\n\n
    3. Can the contract be terminated prematurely?<\/li>\n\n\n\n
    4. How to declare to tax authorities<\/a> your private loan?<\/li>\n\n\n\n
    5. Will an increase be possible in the future?<\/li>\n\n\n\n
    6. And any other questions you might have! <\/li>\n<\/ol>\n\n\n\n

      A well-advised customer is one with whom a long-term relationship is possible. With this in mind, everyone at Lica strives to establish long-term trusting relationships<\/a> with each and every one of our customers. It goes without saying that we attach great importance to giving you the right advice when it comes to signing your private credit contract.<\/p>\n\n\n\n

      Lica is with you every step of the way until your funds are paid out<\/h3>\n\n\n\n

      Your credit contract has now been signed and you are waiting for your funds to be disbursed. In 99% of cases, the payment is made without difficulty and you receive your money as planned. However, when it comes to making the payment, the bank may notice an irregularity in your file. For example, you may have a lawsuit<\/a> that was not known at the time the loan was granted. A document that contradicts certain information taken into consideration may also prevent the disbursement of funds. <\/p>\n\n\n\n

      In this situation, you need to take swift and effective action with your lending institution. Your private credit advisor will explain the situation to you without delay, and work with you to find a solution to the problem. Being able to count on trusted intermediary<\/a> is therefore crucial throughout the credit application process, right up to the receipt of funds. <\/p>\n\n\n\n

      We maintain long-term business relationships with our customers<\/h3>\n\n\n\n

      A satisfied customer is one who speaks positively of our services! Active recommendation is therefore achieved by bringing real added value to the credit application process. Ensuring that each and every one of our customers is fully satisfied with our services<\/a> is an absolute priority.<\/p>\n\n\n\n

      What's more, the business relationship doesn't end once your private credit funds have been disbursed. In fact, you may need an increase, make an early repayment or review the terms of your contract. What's more, some providers offer the possibility of interruptions in repayment of your monthly payments<\/a>. Depending on your needs, take the time to contact your private credit advisor, who will treat your request with the utmost interest. <\/p>\n\n\n\n

      Apply for a loan with Lica!<\/h2>\n\n\n\n

      Now that you know exactly how we work, you know you'll be in good hands at Lica to get the private credit you want. If you're ready to apply for your credit, please do your online application in less than 2 minutes<\/a>. You'll receive a non-binding offer within 24 to 48 hours.<\/p>","protected":false},"excerpt":{"rendered":"

      Lorsque vous souhaitez obtenir un cr\u00e9dit priv\u00e9 avec de bonnes conditions, vous devez soumettre votre demande aupr\u00e8s de plusieurs banques. De plus, votre dossier de demande de cr\u00e9dit devra d\u00e9montrer la meilleure solvabilit\u00e9 possible. La d\u00e9marche comporte donc de nombreux pi\u00e8ges \u00e0 \u00e9viter. C’est la raison pour laquelle, il est toujours pr\u00e9f\u00e9rable de solliciter les […]<\/p>\n","protected":false},"author":8,"featured_media":27808,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"class_list":["post-18724","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lica"],"_yoast_wpseo_focuskw":"Demande de cr\u00e9dit","_yoast_wpseo_title":"Votre demande de cr\u00e9dit priv\u00e9 avec Lica !","_yoast_wpseo_metadesc":"Lors d'une demande de cr\u00e9dit priv\u00e9, diff\u00e9rentes \u00e9tapes sont respect\u00e9es pour vous obtenir un pr\u00eat. On vous explique tout dans cet article !","yoast_head":"\nVotre demande de cr\u00e9dit priv\u00e9 avec Lica !<\/title>\n<meta name=\"description\" content=\"Lors d'une demande de cr\u00e9dit priv\u00e9, diff\u00e9rentes \u00e9tapes sont respect\u00e9es pour vous obtenir un pr\u00eat. 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