Procedure
1. Clarify requirement
2. Exclude criteria:
- CHF 3,000 net.
- Seizures.
- Recipients of supplementary payments.
- Social assistance recipients.
- Permit L
- Permit B if < one year (EU).
- Permit B if < three years (non-EU states).
- Debt enforcement > one in the last three years.
3. Fill out the credit application in conjunction with the client.
4. Inform clients that BANK-now Ltd. now calls with the 058/900 number.
Conditions
- Age: 20 to 70 years (up to termination of contract).
- Residence in Switzerland and cross-border commuters.
- Regular income (CHF 3,000 net).
- Permanent employment contract (not unemployed).
- Temporary employee *AHV pension/disability pension/pension fund benefits for longer than one year with the same temporary company.
- Self-employed (self-employed for longer than two years)
Selling points
- Predictable: Fixed installment payments for capital and interest during the term.
- Individual: Tailored to personal budget.
- Secure: Payment protection in the event of death included.
- Tax benefits: Interest is deductible from taxable income.
- Practical: Loans/credit cards from other credit institutions can be repaid conveniently and free of charge.
- Quick: Credit decision within 24 hours.
- Flexible: Credit amount can be paid back at any time, and for free within the first ten days.