Moving Loan: Finance Your Move Worry-Free
What Can You Use a Moving Loan For?
The moving loan is a free consumer loan, meaning: no restricted purpose. You receive the money in your account and decide yourself what to use it for.
Classic uses when moving: the tenant deposit, meaning the three months' rent that has to be deposited by the tenant. The moving company for professional movers and transport costs. Furniture and furnishings, beds, wardrobe, kitchen, sofa for the new home. Renovations such as painting, flooring or small jobs in the old or new home. Agent fees, if applicable. And incidental costs like address changes or moving supplies.
No questions asked, no proof needed. Unlike with a lease or a mortgage, you don't have to prove to the bank what you're using the money for. That is the special feature: full flexibility.
You could also use the money for something entirely different. But most customers use it sensibly for exactly what the name promises: a smooth change of home.
Why a Moving Loan Through privatkredit.ch Pays Off
What You Need for It
The requirements are manageable. You should bring along these points:
A Moving Loan in Four Steps
Submit request
Enter the amount you need for the deposit, moving company and new furniture. Non-binding, without registration, in a few minutes.
Submit application
We check your details and bring your application to the matching banks. You don't have to inquire at each bank yourself.
Receive loan offer
Within 24 hours you receive loan offers from several banks, you choose the matching one.
Loan agreement and payout
After signing the contract, the 14-day withdrawal period runs. After that, the amount is paid out to your account within a few business days, in time for your moving date.
Typical Moving Costs in Switzerland
A move often becomes more expensive than expected. This table shows the key cost factors.
| Cost item | Typical amount | Notes |
|---|---|---|
| Moving company (2-room apartment) | CHF 1'500 - CHF 5'000 | Depending on distance and size |
| Tenant deposit (3 months' rent) | CHF 3'000 - CHF 9'000 | For a 3-room apartment depending on region |
| New furniture and furnishings | CHF 5'000 - CHF 20'000 | Varies greatly by standard and taste |
| Agent fees (if needed) | CHF 1'500 - CHF 3'000 | Usually 1-2 months' rent, generally on the tenant's side |
| Renovations/cleaning of old home | CHF 500 - CHF 2'000 | For returning it in good condition |
| Address changes, moving insurance | CHF 200 - CHF 500 | Various small items |
| Total budget for an average move | CHF 12'000 - CHF 40'000 | Realistic range for Swiss households |
All figures are benchmarks and may vary depending on location, apartment size and personal requirements.
Alternative: Rental Deposit Insurance
What rental deposit insurance is
The tenant deposit is often the largest item when moving, usually three months' rent, which can be CHF 3'000 to CHF 9'000. Rental deposit insurance replaces the tenant deposit: you pay a smaller premium (about 5-10% of the deposit) to an insurer instead of the full sum to the landlord.
Weighing the pros and cons
Advantage: less liquid funds tied up, more money for furnishing. Disadvantage: over several years, the insurance costs more in total than the one-time deposit. And the landlord must accept the insurance, which is not always the case.
Combination is possible
You can take out a smaller moving loan for the moving company and furniture and replace the deposit with insurance. This reduces the loan amount and thus the interest costs.
Frequently Asked Questions About Moving Loans
- Autor
- privatkredit.ch Editorial Team, Specialist Editorial Team for Loans & Financing
- Fachliche Prüfung
- Redaktionsinterne Gegenprüfung durch Kreditfachleute
- Zuletzt aktualisiert
- July 7, 2026, Inhalte werden laufend aktualisiert
- Unabhängigkeit
- Unabhängige Recherche, ausschliesslich offizielle Schweizer Quellen
- 1Federal Act on Consumer Credit (CCA/KKG). fedlex.admin.ch/eli/cc/2002/593/de
- 2Central Office for Credit Information (ZEK). zek.ch
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