Dear All,
I am probably posting a genuine and rather new question as I did not find any similar one by a quick search in the forum.
We as a family are soon eligible to apply for Swiss citizenship. We check every single box from financial to social to integration requirements.
There is however one thing which makes me wonder if they can find any rejection reason for our application. We have a private credit (Privatkredit) which we have been paying monthly in the past two years and still two more years to go to fully pay it off. as far as I have read, it is counted as "geregelte Schulden" and is no reason for rejection. Has anyone any experience with such matters? Our Betreibungsregisterauszug is completely clean and we have no unpaid tax obligations or any other form of unpaid bills etc.
Thanks and again sorry if this topic was discussed by any stretch already in here or elsewhere in the forum.
Regards,
DTI
As you say my dear DamTehIra, it is very much a private matter, nobody cares apart from you and the person or company you have an agreement with.
Ok now I get it. So what you mean is that as long as it is not registered in gov.-affiliated organizations like Betreibungsamt due to not or delayed payments, it is not a business of migration authorities and they won't make any decision based upon just such open credits. It gets problematic only if they are not paid in time according to the existing contract and end up in the Betreibungsregisterauszug...
All clear
Yes, loans, leasing's, mortgages etc will not count against you. If anything they serve to show your long term intentions to stay in Switzerland, but indeed, there is no reporting of this to the Swiss authorities, though they can, and often do, check the debt registers.
If for nothing else you deserve the citizenship for your conscientiousness !
The financial documents you will need to submit are your last certified tax return and a certificate that attests to lack of outstanding debt claims / no defaulter charges against you.
Presumably your private loan / credit is already reflected in your tax declaration as a liability. The extract from the debt register will be sufficient to confirm your good financial standing in this regard at the time of application.
The naturalization law does not envision an assessment of your future financial health. It requires you to have clean record at the time of application including some past years to indicate whether you are or have been a burden on the exchequer on account of unpaid taxes and/or dependence on social security.
Sleep easy.