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Relocation loans

Financing a move: what are the options?

There are many reasons you might have to move, and it can often be an expensive undertaking: having your old apartment cleaned, buying new furniture, paying for renovations or hiring professional movers. What’s more, you will usually have to pay a rental deposit on your new apartment. Moving expenses can quickly pile up to the tune of several thousand francs. Find out here how much a relocation can cost and discover your financing options.

In this article:

  • How much does moving cost in Switzerland?
  • Buying furniture: credit card, store card or personal loan?
  • When to take out a relocation loan
  • How to save money on moving
  • How to take out a relocation loan

How much does moving cost in Switzerland?

Your moving expenses will depend on a number of factors, including:

  • Number of rooms in your apartment
  • Distance between the old and new apartment
  • Amount, weight and size of furniture and moving boxes

Other factors to consider when calculating your relocation costs include whether you hire a moving company, plan your move yourself and have your apartment professionally cleaned. Depending on the condition of your old apartment, you may also have to pay for repair costs. Additional expenses include rent for the new apartment, the new rental deposit, new furniture and disposal costs for old furniture.

Average expenses for a move

Here’s an example calculation for the cost of moving out of a 4.5-room apartment:

Moving costs

When does it make sense to take out a loan for moving expenses?

In some situations, a personal loan may be an appropriate solution for bridging short-term financial gaps and making your relocation easier. Once you have received your loan and prepared a budget, the money is yours to use as you see fit.

A relocation loan offers the following advantages:

✔ No dipping into your savings account: it is always wise to have some savings for unforeseen events. A personal loan can give you peace of mind by helping you pay for your move without touching your savings account.

✔ Financing your next rental deposit: landlords in Switzerland may request rental deposits that are equivalent to up to three months’ rent. This is on top of the first month’s rent that has to be paid in advance. Several thousand francs in bills can easily accumulate before you have even moved in. One option is paying your rental deposit using a personal loan so that your money is available for other expenses such as buying new furniture and having your old apartment cleaned.

✔ Purchasing furniture from several stores: perhaps you’re moving into a bigger apartment or need to dispose of some old belongings. In this case you may need new furniture. Instead of using your credit card at several different retailers or having to keep an eye on multiple bills over the coming months, why not simply take out a personal loan? This could free you up to pay for your furniture in cash, for instance, meaning you only need to think about paying off your monthly loan instalments.

Compare personal loans now

Buying furniture: credit card, store card or personal loan?

If you’re worried about losing track of having to pay monthly instalments to several furniture retailers, you may have considered using other financing options like paying with a store card or a credit card. Keep in mind that instalment payment plans at furniture stores tend to be expensive: paying by credit card or customer card can cost you up to 12% interest. In some cases, taking out a personal loan is a cheaper option thanks to the lower interest rates.

How can I save money on moving?

Moving can quickly become an expensive undertaking. However, there are steps you can take to reduce your expenses:

Compare quotes from moving companies: if you need to use a moving or cleaning company for your next relocation, it is advisable to compare quotes before selecting a provider. You can easily save several hundred francs this way. Save yourself the tedious research on moving companies by requesting free quotes for your move via Comparis.

Get your financing in order: decide early on how you will be financing your move. Be sure to plan for the entire move, from transport costs and new furniture to your new rental deposit. This way you will have better control over your finances in case any unexpected expenses arise. If you are planning to finance your move with a personal loan, it would also be wise to compare interest rates and read up on the criteria for borrowers.

Draw up a moving budget: “the earlier, the better” holds true here as well. Be sure to plan for bigger expenses like the moving truck and cleaning costs as well as smaller ones such as moving boxes, repairs, packaging material, movers and so on.

How to take out a relocation loan

If you have already drawn up your budget and gone through your checklist, it is now time to decide how you would like to finance your move.

If you’re leaning towards taking out a personal loan, you should first compare the different deals that are available. Use our free loan comparison tool to get an overview of interest rates and repayment periods from several Swiss lenders.

Do you need help in finding the right personal loan for you? Specialists from Credaris – a Comparis partner service – can help you find a suitable loan. Their experience and expert advice will raise your chances of getting approved for a loan. Our online loan application is a fast, easy and non-binding way to get an overview of the entire loan market. This helps you save time and ensures that you’ll only be dealing with legitimate lenders.

Submit loan enquiry now

Approval of a loan is forbidden by law if it would lead to over-indebtedness (Art. 3 UWG).

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