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  #21  
Old 15.08.2021, 13:19
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Re: Taking Out a Loan for Surgery

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I'm a Swiss citizen living in the country for 8 months now. I've never taken out a loan before, so I'm curious how I should go about doing this:
Postpone the platic surgery until you've saved enough to pay it directly.
Then coordinate your time off with your employer, this should be your first step in 2023.

And use your brains, start to look at things from the other side.
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Hesitated to speculate why the OP was contemplating a CHF 18k operation out of pocket. As others have pointed out: either unnecessary/cosmetic or a genuine misunderstanding about how things work here.
He wouldn't have to cough it up upfront, in the sense of a condition for the surgery, if it was a medical necessity.
The doc/hospital wants to protect themselves from buyer's remorse.
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  #22  
Old 15.08.2021, 13:21
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Re: Taking Out a Loan for Surgery

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I assume this is non-essential and/or cosmetic surgery? I can't think otherwise why you would need to pay 18'000 CHF.

If it is indeed not essential, maybe it could be useful to wait until you can afford it and don't need to take out a large loan (proportional to your salary)?
Yes it is non-essential / cosmetic. Just looking to correct my recessed lower jaw.
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  #23  
Old 15.08.2021, 13:24
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Re: Taking Out a Loan for Surgery

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Yes it is non-essential / cosmetic. Just looking to correct my recessed lower jaw.
I would definitely agree with UrsMax then, save up, get it done when you can simply pay for it and enjoy the result forgetting it was ever different the moment it's done.

But that is a very Swiss approach.
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  #24  
Old 15.08.2021, 13:28
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Re: Taking Out a Loan for Surgery

Perhaps the bank will help with improving the appearance of an employee. Then they can put him "front of the house." But only if that chin is the only problem.
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  #25  
Old 15.08.2021, 13:36
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Re: Taking Out a Loan for Surgery

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Perhaps the bank will help with improving the appearance of an employee. Then they can put him "front of the house." But only if that chin is the only problem.
A man can dream...
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  #26  
Old 15.08.2021, 13:42
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Re: Taking Out a Loan for Surgery

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That the OP as a newbie banker on the fast track can’t look into internal processes for his own benefit might raise a few issues. However, as long as critical clients such as Curley are prepared to question received advice – all is not lost!
Absolutely
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  #27  
Old 15.08.2021, 13:53
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Re: Taking Out a Loan for Surgery

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Yes it is non-essential / cosmetic. Just looking to correct my recessed lower jaw.
grow a beard?
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  #28  
Old 15.08.2021, 14:02
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Re: Taking Out a Loan for Surgery

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grow a beard?
not again!

https://www.englishforum.ch/general-...ing-beard.html
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  #29  
Old 15.08.2021, 16:24
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Re: Taking Out a Loan for Surgery

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Yes it is non-essential / cosmetic. Just looking to correct my recessed lower jaw.
Perhaps consider getting it done across the border. But take post-procedural treatment into account, getting there and back will probably require you to take half a day off each time, or more.

You'll be off work for a few weeks, maybe a couple months. Consider not using your holidays of this and next year in order to save them for the post-procedural off-job time.

Your employer will want to determine the time you're allowed off job, expect to be fired otherwise. Talk to your supervisor as early as possible, but do expect 1-2 years wait time, especially if you're absent for a month or more (which is just as well as it gives you time to save up for the procedure).

You know that you want this procedure, waiting until after the probation period may be seen as dishonesty and thus taken very badly. There's no harm in opening the topic tentatively, like "my recessive jaw bothers me a lot, what would the bank's position be if I had it fixed?". That would improve your visual attractiveness, perhaps the bank would want to place you behind the counter, perhaps that's their advantage? Everybody prefers employing beautiful people.
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  #30  
Old 15.08.2021, 16:35
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Re: Taking Out a Loan for Surgery

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grow a beard?
No thanks, beards are a massive cope for men with recessed features. Better to address the root problem instead.
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  #31  
Old 15.08.2021, 17:27
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Re: Taking Out a Loan for Surgery

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That would improve your visual attractiveness, perhaps the bank would want to place you behind the counter, perhaps that's their advantage? Everybody prefers employing beautiful people.
See my post...but sliding genioplasty is not an easy recovery; youth is in his favour for healing. Still, some time off is required.
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  #32  
Old 15.08.2021, 18:06
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Re: Taking Out a Loan for Surgery

I'm really curious as to who is behind this account now.
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