Are there affordable loans for pensioners?

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

Which banks provide loans?

There are several banks that provide loans to pensioners without special age restrictions. Although the age range is still installed everywhere. The minimum age at the time of full debt repayment is the bar in 70 years, and the maximum - 75. One of the banks that is particularly willing to provide loans for 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 the documents, it is required to provide a passport, a certificate of a pensioner, a certificate from the Pension Fund and 2 NDFL if the pensioner works. The final amount depends on the place of work, availability of sponsors and age. The loan for pensioners in Sberbank is the most profitable. At the time of application, the pensioner must be at least 55 years old and not more than 75 at the time of repayment.

Where else can I get a loan?

Credits 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. The loan is issued not longer than thirty minutes. As for the age, at the time of application, 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 it is not necessary to add guarantors, from documents it will be necessary to bring more TIN.

Primsotsbank

Ready to give loans for 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% per annum, and the maximum period is two years. When there are guarantors, the maximum amount of the loan can be doubled, and the interest rate may be reduced by one point. It is also necessary to provide an extract from the bank about which pension accruals have been paid in the past six months.

Rosselkhozbank

Many banks give credits to pensioners not very willingly. However, there is another bank, ready to go for it - Rosselzabank. The amount of the loan can reach up to one hundred thousand rubles with a maximum age limit of the retiree at 75 years and with an interest rate of 15 percent. The loan is obligatory with a surety, a pledge or personal insurance. Documents for each pensioner are determined individually for each.