Although civil servants and civil servants enjoy a special place in society, they are not above the law. What applies to ordinary consumers, does not stop before the officials. If an official wants to take out a loan from his bank, he first has very good chances, because the trust is very large.
But that does not prevent the banks from asking the credit rating before the loan is granted. If the official has negative entries, it is over with the lobbying and the credit is rejected.
Official loan without credit rating information
Many civil servants and civil servants are of the opinion that their job position is sufficient to ensure that the credit rating is not inquired. But that’s not the case, after all, civil servants are only people who can go wrong financially. This is of course in the credit rating. A civil service loan without credit rating information they get only from abroad. Here they even have a good chance, because here the workplace counts for something.
The key criterion used to award a loan is a permanent job. Civil servants have no problem with that because their job is crisis-proof, which also applies to the employees and workers. The credit rating does not interest the banks in Switzerland. They also do not report lending to them. The official can only hope for these loans if the credit rating is not perfect.
In principle, however, it should be mentioned at this point that the civil servants are externally regarded as role models representing the state. At the same time, this means that they must not be guilty of any harm to their private lives. An official loan without credit rating information is nothing negative.
However, if there are problems with repayment and the employer learns about it, or even if there are seizures, the official must expect disciplinary action. An entry in the personnel file is enough to destroy the next promotion.