2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Many pensioners are clients of various banks. But few banks provide a happy opportunity for people of retirement age to take out a loan, because this category of customers is at risk (failure to return borrowed funds). Sberbank, giving a pension loan, lends money to older citizens, while other banks refuse to do so because of their advanced age.
Sberbank: how to get a card for a pensioner
To apply for this type of loan, you must provide a bank employee with a passport, TIN and a certificate of the amount of the accrued pension. The term for making a decision usually does not exceed two days. In the event that a pensioner receives a pension through Sberbank, then from the documents he will only need to provide a passport, and the decision-making time will be reduced to two hours. If pension contributions are accrued by another bank, then you can apply for a Visa card. Sberbank often draws it up without an agreement, but it makes it possible to use the benefits of this institution. In fact, many bank programs take into account customer loy alty. Therefore, for borrowers, savers and otherspeople using the services of Sberbank, there are bonus programs, promotions and more.
Sberbank: how to apply for a card and what are the conditions
The conditions put forward by Sberbank for obtaining a loan are quite justified and logical. Firstly, the age of a person taking a loan under such a program must reach the age established by law for retirement. That is, women from 55 years old and men from 65 years old are eligible to use this credit program. Secondly, at the end of the loan term, the age of the borrower should not exceed 75 years. The amount of the loan can be different, it depends on the documents provided. That is, if the pensioner cannot provide a pledge to return bank funds, then the loan amount will be from 15 thousand rubles to 45 thousand rubles, and the repayment period will be up to 3 years. If a deposit can be provided, then the amount and term will increase accordingly. The subject of pledge can be real estate and a car, as well as precious metals or securities.
Sberbank: how to issue a card for a pensioner (details)
Interest rates will depend on the terms of the loan and its duration. Usually they vary within 15% -21% per annum. If the amount offered by the bank does not suit the pensioner, then he can increase the credit limit by providing the necessary documents. For a working pensioner, this is usually a certificate of income from work. For a non-working person, this is the consent of his wifebecome a co-borrower. In this case, the spouse's pension will serve as an indicator of the borrower's solvency. What is remarkable is that another person can be a co-borrower. For example, a son or daughter. In principle, the children of the elderly can learn more about all the programs by studying the information on the topic: "Sberbank: how to get a card for a pensioner".
From the foregoing, we can conclude that the conditions of the loan in Sberbank are more loyal to borrowers of retirement age than in other commercial structures. Therefore, if funds are needed very urgently, then it is worth getting a Sberbank credit card than risking it by trying to do it in other not so positive institutions.
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