Are there loans available for pensioners?

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

If you are a pensioner, you may be granted a loan on special terms. There are many prejudices about the solvency of such social strata of the population as youth and pensioners. It is very difficult for them to get a job, since the former have little to no experience, and the latter do not have the skills required by the employer. Loans for pensioners are also reluctant to provide, as there are concerns about late payments, and even non-repayment of the debt.

Which banks provide loans?

There are several banks that provide loans to pensioners without special age restrictions. Although the age limits are still set everywhere. The minimum age at the time of full repayment of the debt is 70 years, and the maximum is 75. One of the banks that are especially willing to provide loans to pensioners is Sberbank. The maximum amount can reach one and a half million rubles. The interest rate is 19 percent per annum. The term of the loan is up to five years. As for documents, it is required to provide a passport, a pensioner's certificate, a certificate from the Pension Fund of the Russian Federation and 2 personal income tax if the pensioner is working. The final amount depends on the place of work, the availability of guarantors and age. A loan for pensioners in Sberbank is the most profitable. At the time of application, the pensioner must be at least 55 years old and no more than 75 years old at the time of repayment.

Where else can I get a loan?

Loans for pensioners are also provided by Bystrobank, which has a special pension rate. The loan amount is from three to two hundred thousand rubles. The interest rate is quite high - from 25.5 to 33 percent per annum, and the maximum term is three years. A loan is issued no longer than thirty minutes. As for age, at the time of applying, the pensioner must be at least fifty, and at the time of full repayment of the debt - no more than seventy years. The advantage of this bank is that you do not need to additionally bring guarantors, you will need to bring another TIN from the documents.

PrimSotsbank

Ready to give loans to pensioners and Primsotsbank, which has a special loan product "Pension". The amount is from 3 to 100 thousand rubles at an annual rate of 20 percent per annum, and the maximum period is two years. When there are guarantors, the maximumthe loan amount can be doubled, and the interest rate can be reduced by one point. You must also provide a bank statement stating what pension accruals have been for the last six months.

Rosselkhozbank

Many banks give loans to pensioners not very willingly. However, there is another bank that is ready to go for it - Rosselzbank. The loan amount can reach up to one hundred thousand rubles with a maximum retirement age of 75 years and an interest rate of 15 percent. A loan must be issued with a guarantor, collateral or personal insurance. Documents for each pensioner are determined individually for each.