Where can I get a loan for a pensioner? And can it be done at all?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

According to the analysis of the product lines of some Russian banks, a loan to a pensioner is quite in demand over the past few years. However, it is not so easy to take it. Although the bankers themselves admit that the mentioned category of clients is one of the most conscientious and obligatory. By the way, employees of housing maintenance offices could have said the same. If, of course, it occurred to someone to ask them.

Next, we will look at several financial institutions where it is not so difficult to get a loan for a pensioner. Although, of course, the special age of this category of clients and the modest amount of income force creditors to behave very prudently. It should also be added that the above programs do not belong to the category of universal ones. That is, we will not dwell on what kind of loan a pensioner can be issued at Sberbank (consumer, must be returned upon reaching the age of 75), we will not.

So, the first to offer a loan to a pensioner was Sovcombank. Histhe program provides that a citizen of Russia can apply for a loan, who will fully return it before he turns 85 years old. The maximum amount is 250 thousand rubles (or less). Interest rate - 28% per annum. Both working and non-working pensioners (due to old age, disability, who retired early) can take advantage of this offer. You can also use the Express Pension program: up to 30 thousand rubles at 33% per annum. In this case, only a civil passport is needed.

Also, the Rosselkhozbank can issue a loan to a pensioner. Within the framework of a special program, loans are issued in the amount of up to 100 thousand rubles. And for the use of the client pays only 15% per annum. The terms of the program (by the way, it is called “Pension Loan”) stipulate that a positive decision of the credit committee is possible only if a guarantor or co-borrower is involved in the transaction. Alternatively, liquid collateral can also be provided.

In addition to the mentioned organizations, the following offer a loan to a pensioner:

• Bystrobank - up to 200,000 rubles at 26-35% per annum. You will need to confirm your income or provide a certificate reflecting the amount of your pension.

• Zapadny Bank - up to 250,000 rubles at 26% per annum (and higher). To receive it, you need a pension certificate and a civil passport.

• Severgazbank - up to 100,000 rubles at 17% -21.5% per annum. You can't do it without a guarantor. Moreover, the bank requires the presentation of a passport, a pension certificate and a certificate of received pension (or 2-personal income tax,if the client continues to work at the moment).• Primsotsbank - up to 100,000 or up to 200,000 rubles at 20% -21% per annum. In the second case, at least one guarantor is needed, but in the first case, no. You also need to confirm the amount of your pension.

As for the pitfalls, here they are the same as for standard loan programs. To avoid difficulties in the future, it is better to find free time to accompany an elderly relative during his visit to the bank. And you should go not just like that, but with the aim of becoming a guarantor. This will reduce the risk of refusal to issue and allow you to hope for a lower interest rate.