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AS Finanz GmhH is an accredited and certified Swiss provider with a cantonal license for financial intermediation.
AS Finanz GmbH is an accredited and certified Swiss provider with a cantonal license for financial intermediation.
Paying off a loan in Switzerland: Everything you need to know
LOAN REQUEST
What does loan repayment mean?
Loan repayment is the process of replacing an existing loan with a new loan that has more favorable terms.
The goal of loan repayment is to optimize your financial budget and reduce loan costs by finding a new loan with lower interest rates or better conditions.
This way, your monthly installments become more affordable, your interest rates lower, and you have more financial flexibility to fulfill other dreams.
Your advantages with loan repayment
- Lower interest rates: By repaying the loan, you can benefit from a more favorable interest rate and thus reduce your monthly installments.
- Better conditions: Loan repayment allows you to improve the terms of your loan, such as the repayment period or installment amounts, helping you to sustainably improve your budget.
- Simplified finances: If you have multiple loans, loan repayment can consolidate all existing loans into a single one. This simplifies the management of your finances and provides you with a clear overview of your expenses.
- Improved credit score: By repaying a loan with high interest rates and reducing your monthly burden, your credit score can improve, allowing you to access better loan conditions in the future.
How do you repay your loan in Switzerland?
- Compare loan offers: Research various loan providers and compare their terms to find a new loan with lower interest rates and better conditions.
- Review existing loan agreement: Check the terms of your current loan and compare them with the current offers available on the market.
- Contact new loan provider: Reach out to new loan providers and discuss loan repayment to obtain necessary information and start the repayment process.
- Submit loan application: Complete the loan application with the new provider and submit all required documents.
- Pay off existing loan: Once the new loan is approved, all outstanding loans with other banks will be settled. The remaining balance will be paid out to you, which you can use to fulfill your dreams.
- Service the new loan: From now on, you will make monthly payments to the new loan provider and save money with the new terms.
Loan repayment in Switzerland can help you improve your financial situation and benefit from more favorable conditions. It is advisable to seek professional financial advice before repaying a loan to find the optimal solution for your individual needs. As a company with more than 15 years of experience, AS Finanz offers you the best opportunity in the market to optimize the terms of your loan. We help you free of charge, as our efforts are paid for by your new loan provider.
Loan repayment leads to a reduction in your monthly expenses and increases your financial flexibility, giving you more room for other desires and your savings goals.
Before making such a decision, you should review all conditions. We are happy to assist you in carefully reviewing everything and making the most of your dreams. Feel free to reach out to us.
Frequently asked questions about loan repayment
Yes, it is usually sensible to repay a loan. Loan repayment often leads to financial relief and improves your loan conditions.
AS Finanz is an excellent solution as a loan intermediary in this situation for the following reasons:
- Interest rate optimization: AS Finanz compares various offers from banks and financial institutions to find a loan with a more favorable interest rate. Repaying the existing loan and refinancing to a loan with lower rates typically results in significant savings for you.
- Term adjustment: AS Finanz can assist in finding a loan whose term better fits your individual needs and financial capabilities. With our experience and contacts, we help you sustainably achieve more.
- Budget optimization: If you have multiple loans, AS Finanz GmbH can help consolidate them into a single loan. This gives you a better overview of your finances and leads to better loan conditions in the long run.
- Expertise and advice: AS Finanz has extensive knowledge in the area of loan repayment and can advise customers on selecting the best offer. The expertise of AS Finanz actively contributes to ensuring that you make a good decision and find the most favorable solution for yourself.
- Independence: Since AS Finanz operates independently of banks, you can be assured that the recommendations are solely in your interest and not influenced by the sales interests of banks.
In summary, it is sensible to repay a loan if it results in financial benefits or if the loan conditions can be improved.
As a loan intermediary, AS Finanz is the best solution in this context, as it assists customers in finding the optimal offer and provides comprehensive free advice.
Yes, you can repay a loan early in Switzerland at any time. A loan intermediary can be a perfect free solution to optimize your personal budget for the following reasons:
- Interest savings: A loan intermediary can help find a loan with more favorable interest rates, leading to savings on interest costs. By repaying the existing loan early and refinancing to a loan with lower rates, the overall cost of the loan can be reduced.
- Term adjustment: Working with a loan intermediary allows borrowers to find a term that better suits their financial needs. A shorter term can result in the loan being paid off more quickly and incurring less interest.
- Budget optimization: A loan intermediary can help borrowers effectively optimize their budget by analyzing existing loan conditions and presenting alternatives. This enables borrowers to better understand their financial situation and act accordingly.
- Independent advice: Loan intermediaries are independent of banks and financial institutions, meaning their recommendations and advice are solely in the interest of the client. This helps borrowers make informed decisions and find the best solution for their financial situation.
- Time and effort savings: Searching for a suitable loan for early repayment can be time-consuming and complex. A loan intermediary takes on this work and presents suitable offers to the borrower, saving time and effort.
In Switzerland, there should be no additional costs associated with loan repayment or the early repayment of a loan. Therefore, repaying a loan early costs nothing.
Just feel free to reach out to us without any obligation. We are happy to assist you and find the perfect solution for you.
LOAN REQUEST
CREDIT HOTLINE
Our consultants are available for you daily from 08:30-18:
043 355 99 44
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