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Old 29.11.2012, 13:37
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Newbie Loan

I know there are some threas on this, just arrived with a B permit.

If you are working for one of the big swiss firms would they forego the 1 year rule?

As i see you cannot even apply with migros online due to this
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Old 29.11.2012, 13:41
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Re: Newbie Loan

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I know there are some threas on this, just arrived with a B permit.

If you are working for one of the big swiss firms would they forego the 1 year rule?

As i see you cannot even apply with migros online due to this

Whether you work for the Swiss Government or Mom & Pops Candy Store... You are still not a permanent resident. Please try this, put yourself in their shoes

If I were in your shoes, it doesn't cost to ask/apply
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Old 29.11.2012, 16:52
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Re: Newbie Loan

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Whether you work for the Swiss Government or Mom & Pops Candy Store... You are still not a permanent resident. Please try this, put yourself in their shoes

If I were in your shoes, it doesn't cost to ask/apply
Just did contract in hand at migros, they told me to get lower interest rate i had to do online, i then told them it would not allow me to proceeed as I was not here year.

They then said the walk in terms and conditions are the same, so thats me done with migros.

Others are offering mad rates, but need a car for work as do a lot of travel.

Can afford a cheaper one but was hoping to spend 30-40k on one that will last the sands of time
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Old 29.11.2012, 16:58
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Re: Newbie Loan

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Just did contract in hand at migros, they told me to get lower interest rate i had to do online, i then told them it would not allow me to proceeed as I was not here year.

They then said the walk in terms and conditions are the same, so thats me done with migros.

Others are offering mad rates, but need a car for work as do a lot of travel.

Can afford a cheaper one but was hoping to spend 30-40k on one that will last the sands of time
Suggestion 1: As your employer for a car, especially if you must travel for work.

Suggestion 2: Get your cheaper car and save.

Comment 1: The mad rates are there for a reason, there are people out there that want nice things but can not afford it. So they get the fast cash at interest rates that are beyond reality.

Comment 2: Nothing lasts through the "sands of time". There is so much salt on the Autobahn here in the Winter Good luck! Let us know if you find another solution.
JC
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Old 29.11.2012, 17:18
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Re: Newbie Loan

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Suggestion 1: As your employer for a car, especially if you must travel for work.

Suggestion 2: Get your cheaper car and save.

Comment 1: The mad rates are there for a reason, there are people out there that want nice things but can not afford it. So they get the fast cash at interest rates that are beyond reality.

Comment 2: Nothing lasts through the "sands of time". There is so much salt on the Autobahn here in the Winter Good luck! Let us know if you find another solution.
JC

Sands of time might be excessive but 10 years or so, was hoping to get a deacent second hand merc or beamer.

well i get an allowance plus milage, currently have a short term lease for 3 months since I arrived here but costing me a ton, more than my allowance.

Maybe I will have to go with the cash option for a cheaper car, if i could hang about till next year to get a reasnable loan. I would if i could but i cant
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Old 29.11.2012, 17:51
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Re: Newbie Loan

if you buy a new car, won't they sort out the financing for you?
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Old 29.11.2012, 17:54
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Re: Newbie Loan

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Suggestion 1: As your employer for a car, especially if you must travel for work.
Exactly. If they expect you to drive they should also help you get a car. Maybe they can vouch for you with the bank, or even provide an advance on your salary.

They hired you. They knew you were coming in on a B permit. They have to provide you the means to do the job.
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Old 30.11.2012, 20:43
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Re: Newbie Loan

well apparantly, HR are looking into what they can do.

I was actually suprised when I called to a merc garage today and looked at lease options, that cash up front and a 4 year lease followed by paying the residual at the end comes out about the same, albeit stuck with the restrictive km usage.
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