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Old 27.10.2017, 13:16
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A small loan to purchase a laptop for school/work

Hello everybody

im new here and i dont really know if i am in the right place.

I am a Student who currently is studing Civil Engineering in switzerland, i Need a very good Laptop for School since i realised that my 200chf laptop cant do the Job at all.

The Problem is every Laptop that i find (that has what i want) is priced at 1'500.- and more, as a Student i dont really have that Kind of Money to pay for it cash so i was wondering if the Banks here in switzerland offer small loans for Things like this and how much would the interest rate be?

thank you
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Old 27.10.2017, 13:25
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Re: A small loan to purchase a laptop for school/work

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(that has what i want)
You need a laptop which has what you need.

And that, surely, worth way less than 1.5k CHF.
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Old 27.10.2017, 13:35
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Re: A small loan to purchase a laptop for school/work

Hallo corsebouTheReturn

unfortunately it's not like that as the main reason for the laptop is school among other stuff like 3d rendering which needs a mid tier graphics card and some gaming and video editing a med tier laptop with a good graphics card and a good proccesor will cost me not less than a 1'200 and i thought if i am going to buy a laptop why not buy one that will take through my 4 years of school not to mention that most med tier laptops with good specs are heavy which makes another isseu since im practicly mostly outside and need a thin and light powerful device!

Anyway thanks for the answer
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Old 27.10.2017, 13:41
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Re: A small loan to purchase a laptop for school/work

translation - will someone lend me some money, that they will never get back, so I can buy a high end gaming laptop for ermmmm, school work

Isn't that what parents are for?
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Old 27.10.2017, 13:44
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Re: A small loan to purchase a laptop for school/work

The interest rate would be no more than 10% https://www.admin.ch/opc/de/classifi...330/index.html

But you would need to have a stable income. Are you a PhD? Probably no, because buying a CHF 1500 laptop should not be a problem, and you would have your own computer.

If you study at the ETHZ go to one of the computer rooms:
https://www1.ethz.ch/id/services/lis.../arbeitsraeume
https://vmp.ethz.ch/page/computerr%C3%A4ume

Another option is to have a desktop box at home and connect to that one remotely from your existing laptop. A cheap desktop Intel i3-8100 outperforms a laptop Intel i7-7600U.
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Old 27.10.2017, 13:47
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Re: A small loan to purchase a laptop for school/work

hhhhhh nice!! an expected Reply i dont Need a gaming Laptop but a Workstation Laptop and the Laptop i have my eyes on is the msi ws60 6qj which has a quadro graphics Card! that is mainly used for CAD programs which i work alot with so as i work as a bauzeichner, but cause i am a Student the salary is not enough to buy a Laptop and even if i wanted to start saving up Money id Need almost a year or more to be able to buy a Laptop thats why i want a bank loan so i can buy one now and pay for it each month
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Old 27.10.2017, 13:49
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Re: A small loan to purchase a laptop for school/work

In short: A freshly arrived foreign student with not enough income to buy a laptop will only get a loan at a loanshark.

Best to talk with school and see if you can work out something together, another solution would be to immediately start looking for some small jobs like building Ikea cabinets at people's places or help carrying with moving and consider a second handed laptop. (development on laptops is slow lately so many 1 yr old laptops are more than capable of doing what you want.)

And indeed, if possible give your parents a call.
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Old 27.10.2017, 13:50
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Re: A small loan to purchase a laptop for school/work

Check with Migros bank, maybe you get lucky there. Or just buy second hand as others do
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Old 27.10.2017, 13:52
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Re: A small loan to purchase a laptop for school/work

i study at the bfh

i have a stable income as i work and i wanted to save up my self to buy a Laptop thats why i bought a 200chf Laptop but i realised that i Need one right now and my salary does not allow me to buy one right away

anyway thank you very much for the help
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Old 27.10.2017, 13:54
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Re: A small loan to purchase a laptop for school/work

hello EdwinNL do you know any trusted second Hand store that i can find a wide range of Laptops at?

same to roegner

thank you both in advance.
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Old 27.10.2017, 13:56
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Re: A small loan to purchase a laptop for school/work

Do what most people do if they want to buy something they can't afford: find a job if you don't have one and/or work more and/or save up.

I really doubt any bank will give you a loan. If 1500 are too much for you to come up with, and you're a student with probably no part-time job, you will never pay the money back and they are aware of that. Even if it's not much, why would anyone take that risk...

Borrow money from parents or friends if need be, I don't think you really have another option, unless again, see sentence 1). You can try to go to some local banks, Coop, Migros, Kantonalbank, but same, I doubt they'll give you anything.
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Old 27.10.2017, 13:56
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Re: A small loan to purchase a laptop for school/work

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Another option is to have a desktop box at home and connect to that one remotely from your existing laptop. A cheap desktop Intel i3-8100 outperforms a laptop Intel i7-7600U.
+1 on that. It also means that if you lose or break your laptop, or it gets stolen, then for about 200CHF you're back up and running.
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Old 27.10.2017, 14:00
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Re: A small loan to purchase a laptop for school/work

not sure remote connecting via a cheap laptop would do the trick as the cheap laptop screen will be too low res, even my desktop machine with pretty big monitor (and resolution) get frustrating doing 3d work, they would only ever see a fraction of the desktops screen.
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Old 27.10.2017, 14:03
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Re: A small loan to purchase a laptop for school/work

What are the specs of your current laptop?


Maybe some small modification (upgrading parts etc) could change the performance,


Let me know if you need any help regarding that.
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Old 27.10.2017, 14:05
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Re: A small loan to purchase a laptop for school/work

I used to work off a Lenovo W520 for running siemens Nx for work, was a great job for on the go. Even played games up to 5 years old with decent graphics....

Then again I have a desktop I built for about €800 6 years ago which had a €100 worth of graphics which was more powerful for everything. Drawing programs are not as graphics heavy unless you are trying to render/animate things. For work it is processing and memory.

My advice, build a tower for at home, drag around the laptop for everything else.
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Old 27.10.2017, 14:06
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Re: A small loan to purchase a laptop for school/work

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not sure remote connecting via a cheap laptop would do the trick as the cheap laptop screen will be too low res, even my desktop machine with pretty big monitor (and resolution) get frustrating doing 3d work, they would only ever see a fraction of the desktops screen.
It does have it's limitations.

But it is a compromise which would save the OP quite a bit of money. Money which he/she does not have.
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Old 27.10.2017, 14:06
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Re: A small loan to purchase a laptop for school/work

Get a credit Card! Buy what you want! Pay the min each month!
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Old 27.10.2017, 14:07
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Re: A small loan to purchase a laptop for school/work

hello tigereyeali

i highly doubt that it can be upgraded
it a Lenovo ideabad with a core i3 with some Kind of Intel graphics Card and 4gb of ram when i bought it i thought sure a core i3 and 4gb of ram would be more than enough for School and light stuff but the one i have cant even handle 10 open taps is Google Chrome!
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Old 27.10.2017, 14:07
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Re: A small loan to purchase a laptop for school/work

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not sure remote connecting via a cheap laptop would do the trick as the cheap laptop screen will be too low res, even my desktop machine with pretty big monitor (and resolution) get frustrating doing 3d work, they would only ever see a fraction of the desktops screen.
If you're doing CAD, I'd have thought any laptop screen would be too small. But maybe it's just my eyes are getting old...
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Old 27.10.2017, 14:08
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Re: A small loan to purchase a laptop for school/work

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hhhhhh nice!! an expected Reply i dont Need a gaming Laptop but a Workstation Laptop and the Laptop i have my eyes on is the msi ws60 6qj which has a quadro graphics Card!
A CHF 3500 notbook?
With a performance you can get in a desktop for around CHF 1000? (A Ryzen 5 1600 plus a Quadro P1000 ) Simply use your school's computers when in school and the desktop at home.
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