Thank you Kngavl for your reply.
Actually I am worrying about the prove of the financial means.
Hence I am student, I don't have this large amount of money 21'000 CHF, my parents can support me during my study, but it is still difficult to have this amount of money now.
So, I was thinking to borrow it from some relatives, but I need to know when I should give back this amount of money? I should wait until I have the stay permit, or after the application of the visa I can give it back?
Thanks