Application Without a Debt Register Extract
Apply while the debt register extract is still missing: three cover-letter variants, alternative proofs and a parental guarantee template.
Checked on 19.08.2026 by Jens Herbst, BoVitaWe keep every document current and check it regularly against the sources.
Who is this document for?
For newcomers without a Swiss debt history, students with a parental guarantee, and anyone whose extract is ordered but not yet delivered.
What is inside
- Three cover-letter variants: standard with follow-up plan, new to Switzerland, students with guarantee
- Adapted dossier order with the order confirmation as placeholder
- Overview of alternative proofs that managements accept
- Template for the parental joint guarantee
- Template for the rent confirmation from your previous landlord
How to fill it in
- 1Pick the cover-letter variant that matches your situation and delete the other two.
- 2Order the debt extract anyway and put the order confirmation in the dossier as a placeholder.
- 3Replace all [bracket fields], save as one PDF and hand in the real extract as soon as it arrives.
Frequently asked questions
For anyone who has to apply NOW but does not have the debt register extract yet: newcomers, students, or applicants whose extract is ordered and on its way.
Yes, if you address the gap proactively and provide alternatives. That is exactly what the three cover-letter variants, the alternative proofs and the follow-up plan are built for.
Depending on your situation: the order confirmation plus a follow-up commitment, a rent confirmation from your previous landlord, or for students a parental guarantee. The kit includes templates for all three.
At the debt collection office of your municipality, online or at the counter. Order it in parallel so you can hand it in quickly.
Yes, you receive the Word package free by email.
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