Calculating Credit Capacity: Guide and Tips

Credit capacity refers to a person's financial ability to repay a loan properly. It is calculated based on disposable income, existing obligations, and living costs. The KKG requires that the loan must be repayable within 36 months.

Step 1: Determine net income (including 13th month salary, prorated). Step 2: Add up fixed monthly expenses (rent, health insurance, taxes, insurance). Step 3: Calculate living costs (basic needs plus supplement per child). Step 4: Add existing loan installments and leasing installments. Step 5: Subtract all expenses from net income. The remaining amount shows your maximum monthly loan installment.

For calculating credit capacity, a basic needs amount (subsistence level) is applied. This is approximately CHF 1'200 per month for a single person, approximately CHF 1'700 for couples, and approximately CHF 400 is added for each child. These values may vary by canton.

Reduce existing debts and leasing contracts. Increase your income or document additional income. Lower fixed expenses where possible. Choose a longer term to reduce the monthly installment. Only apply for the loan amount you truly need.