{"id":3153,"date":"2024-01-18T12:07:14","date_gmt":"2024-01-18T11:07:14","guid":{"rendered":"https:\/\/www.miro-kredit.ch\/kreditwuerdigkeit\/"},"modified":"2025-07-11T11:04:20","modified_gmt":"2025-07-11T09:04:20","slug":"credit-rating","status":"publish","type":"page","link":"https:\/\/www.miro-kredit.ch\/en\/credit-rating\/","title":{"rendered":"Credit rating"},"content":{"rendered":"
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Credit rating<\/h1>\n

Do you need a cash injection and would therefore like to take out a loan? Miro Kredit AG offers you numerous credit options – from classic personal loans to renovation loans.<\/p>\n

However, your creditworthiness and credit standing – also known as credit rating – are basic prerequisites for successful lending. Both are carefully checked as part of a credit check to ensure that you are not overstretching yourself by taking out a loan and that you can repay the loan with peace of mind. But what information exactly is scrutinized during a credit check and how can you improve your creditworthiness? Find out in this article.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

\"Creditworthiness\n
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What is checked when I apply for a loan?<\/h2>\n

Regardless of whether you are applying for an installment loan<\/a>, a car loan, or a renovation loan – every time you apply for a loan, you go through a credit check. This credit check forms the basis for the approval of every consumer loan in Switzerland<\/strong> and is therefore decisive. It determines whether you as a borrower receive a consumer loan and if so, on what terms. The loan amount, term, and interest rate are only determined after your data and solvency have been analyzed.<\/p>\n

The credit check consists of two main components: the creditworthiness check<\/strong> and the credit assessment<\/strong>. This check is intended to ensure that the financial burden is acceptable for you as a borrower and also to minimize the risk for the financial institution or credit institution.<\/p>\n

Reviewing a loan application is a thorough process designed to ensure that the financial burden is acceptable to the applicant and the credit risk is minimized for the lender. Several factors play a role here:<\/p>\n<\/div>\n<\/div>\n

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Creditworthiness<\/h3>\n

Creditworthiness refers to the basic suitability of an applicant to take out a loan. The creditworthiness check in accordance with the Consumer Credit Act (KKG) is intended to ensure that the granting of credit does not lead to over-indebtedness<\/strong> on your part. In particular, it is checked whether you are at all eligible as a borrower and can conclude legally binding credit agreements, as you have already reached the age of majority<\/strong>.<\/p>\n

We will also check whether your financial situation allows you to repay the loan on time. To determine this, a detailed review of your monthly income<\/strong> is carried out after deducting all fixed costs and expenses. In the case of consumer loans, a standardized budget calculation is usually carried out to determine a maximum loan amount. This budget calculation usually takes into account the following expenses:<\/p>\n