Before issuing a loan to a borrower, any credit institution checks its financial solvency. Citizens who have reached retirement age cannot be called such. At least for banks.
What if you urgently need money? Which bank is more profitable to take Let's consider several financial institutions that will give people of retirement age money on credit.
How to get a loan for the elderly?
When submitting an application to the bank, a pensioner must understand which group of borrowers he belongs to. There are only three of them.
The first is the most unattractive group of borrowers from the point of view of banks, which does not have very many chances to get a profitable loan for pensioners. Citizens in this group have no other financial injections, except for pensions. And they cannot provide any type of property (movable or immovable) for collateral. They also do not have guarantors who could help them in obtaining a loan. If the bank approves the issuance of money to such pensioners, then the amount, as a rule, does not exceed 30-50 thousand rubles.
To apply for a profitable loan for pensioners, participants in the second group must have any type of property (movable or immovable) to provide it as collateral. AT this case the amount that the bank can lend increases exponentially. To confirm your pension, you will also need to provide a certificate from pension fund on the amount of monthly payments.
Members of the third group can count on the most profitable loan for pensioners. We are talking about those who are ready to document their earnings. Necessary condition: The received loan must be repaid before the age of 75.
Why do banks refuse loans to older people?
The main reason why banks do not want to see pensioners as their borrowers, sadly, is life expectancy. In Russia, for women, it ranges from 72-75 years, and for men - 57-62. In other words, the bank rightly fears that the loan will not be repaid on time, and instead of a profit, a loss will be received. It is rare that older people can pledge expensive property or bring guarantors who meet the conditions of the bank.
Which banks cooperate with pensioners?
Of course, it cannot be said that older people do not have the opportunity to take a bank loan at all. There are about 200 financial institutions that are ready to issue loans to pensioners. Also, a loan can be taken from a consumer credit cooperative (CPC), or from a microfinance organization (MFI). True, in the latter financial institution, the annual percentage can be simply huge and reach 700%.
Consider banks that lend money to older people at reasonable rates, and also find out if it is possible to get a profitable loan for pensioners at Sberbank.
Sberbank
This bank can offer its future pensioners-borrowers the most profitable loan products, whose interest rates are varied. The annual fee for a loan depends on the term for which the loan is taken. cash, as well as on the amount of collateral. The documents required to apply for a profitable loan for pensioners are standard. This is an identity card and a pension certificate.
To apply for a mortgage at Sberbank, a pensioner must have a highly paid position and significant collateral assets.
Rosselkhozbank
This bank issues loans to two categories of pensioners: working and non-working. If the borrower is able to provide collateral, then the interest rate will be 15% per annum. If there is no property suitable for taking as collateral, the rate may be increased by 10-12 points. The amount given to the pensioner will be calculated for each case individually. In some situations, the loan can reach 100,000 rubles.
Of the documents, in addition to a pension certificate and an identity passport, a contract of personal insurance of the borrower may be required. This is one of the banks where the most profitable loans for pensioners.
Sovcombank
This bank is focused on working with borrowers with limited financial resources. These include medical and educational workers. Sovcombank also lends to working and non-working pensioners. The requirements for documents are minimal: a passport of a citizen of the Russian Federation and a pension certificate. No type of guarantee is required. The amount of cash that a bank can provide to a retired borrower ranges from 30,000 to 200,000 rubles, and the annual interest will be 26-30%. The final amount that the pensioner will receive in his hands depends on his ability to fulfill his financial obligations.
Borrowers who can apply to this bank must not be older than 84 years. And it may also be necessary to draw up an individual insurance contract. Sovcombank is one of the most acceptable banks for pensioners.
CPC
Consumer credit cooperatives, unlike banks, prefer to work with pensioners, considering them the most responsible borrowers. Pensioners are more thoughtful in choosing a loan.
Almost every CCP has a pension program for the elderly, the terms of which are sometimes more favorable than for ordinary clients. Interest rate preferential and often lower than for working borrowers. It is possible to take up to 10,000 rubles without resorting to a guarantee. But if the borrower wants to increase the amount, bail will be required. Pensioners or family members of the borrower can act as guarantors. He himself, having a loan in the CPC, can act as a guarantor.
A certificate from the pension fund on the amount of payments is not required to be provided, it will be enough to demonstrate a pension certificate if the amount does not exceed the threshold of 35,000-40,000 rubles.
The loan is issued for a maximum of 2 years, but the borrower can repay it ahead of schedule. This will not require you to pay a fine.
Every pensioner must join the CCP and pay an entrance fee. In some cooperatives, the contribution is 50-100 rubles, and this amount is quite affordable for everyone. When applying again, each pensioner can count on facilitated conditions for cooperation.
Through such programs, lending institutions show their retired borrowers that retirement does not mean that life is over. And that even with a small pension, you can afford a large purchase.
Each of the older borrowers needs to decide for themselves what is the best loan for pensioners. They must choose which institution is better to apply to: a bank, a CPC or another credit institution.
At any age, a person may face a shortage of money if there is any urgent need or problem that urgently needs to be addressed as soon as possible. This situation often necessitates borrowing. And it should be noted that the elderly are no exception in this case. Everyone needs a loan.
It is believed, however, that it will be difficult for older people to get a loan, since cooperation with this category of borrowers is not beneficial for most credit institutions for several reasons.
Meanwhile, many banks are still willing to issue loans to pensioners, offering.
Which banks issue consumer loans to pensioners
As practice shows, one of the most effective approaches to eliminating the deficit financial resources becomes consumer credit. Availability, fast registration procedure, acceptable conditions, loyal requirements of creditors - all this makes the very possibility of obtaining such a loan attractive. It is noteworthy that the funds raised in the order of consumer lending can be spent by the borrower as he sees fit. The creditor bank usually does not insist that consumer loan funds be spent on strictly defined purposes.
In which bank is it better to take a consumer loan for a pensioner? The most well-known financial institutions that willingly provide loans to the elderly are listed below:
- Oriental.
- UBRD.
- SKB-Bank.
- OTP Bank.
To figure out which bank has the lowest interest on consumer loans for pensioners, you should consider in more detail the offers of each institution from this list.
This bank is ready to provide a pensioner with a consumer loan immediately on the day of application, which, by the way, can be easily and quickly filled out and sent online. Notification of the creditor's decision will be sent to the applicant no later than 10 minutes later. In order to receive cash from a bank on a formalized loan, the borrower must present to the institution's employee only two documents officially proving his identity.
Loan conditions:
- the age of the borrower at the time of repayment of the loan is not more than 70 years;
- crediting period - from 24 to 60 months;
- loan amount - at least 30,000, maximum 700,000 rubles;
- annual interest rate - not less than 11.9%;
- funds are issued to the recipient in cash;
- low probability of failure.
This financial institution can be considered the best option for elderly people who need to borrow small amounts at the lowest possible interest rate. Suffice it to mention that the program of this bank, which provides for a loan in the amount of 100 thousand rubles at an annual rate of 12% for 1 year, has already been recognized as the most profitable consumer loan in 2017 in the Russian Federation.
The Bank is always willing to consider loan applications from both non-working and working elderly people. Service for pensioners, which is typical, is always carried out by the institution out of turn. At the time of full repayment of all obligations under the loan, the age of the borrower should not exceed 85 years. A loan is issued on the basis of only two documents - a civil passport and a pension certificate.
The main parameters of lending:
- the amount can be 5,000–300,000 rubles;
- the period of use of borrowed funds - from 12 to 36 months;
- annual percentage - at least 14.9%.
The largest financial institution in the Russian Federation does not offer special loan products aimed exclusively at pensioners. However, the cost of a consumer loan in this bank is still considered one of the lowest in the world. Russian market. Important condition- at the time of repayment of the loan, the borrower should not be more than 75 years old.
Basic loan parameters:
- restrictions on the amount - a minimum of 15,000, a maximum of 3,000,000 rubles;
- loan term – minimum 3 months, maximum 5 years;
- annual cost - from 12.5%;
- money is provided to the borrower in cash.
Currently, this organization serves customers exclusively within Moscow, as well as the Moscow region. It is in these regions that Interprombank branches are opened, which offers a special loan product called "Pension". This loan is subject to the following conditions:
- the age of the borrower at the time of full repayment of the loan is not more than 75 years;
- funds are issued in the range of 45,000 - 1,000,000 rubles;
- the borrowing period is chosen by the applicant in the range of 6–60 months;
- cost per year - at least 12%;
- the application is processed quickly;
- the probability of approval is high;
- certificates are not required;
- there is no need for a guarantee;
- A damaged credit report is not a significant barrier.
Key borrowing parameters:
- at the time of the final repayment of the debt, the age of the borrower should not exceed 75 years;
- the amount is indicated in the range of 10,000–500,000 rubles;
- the term is selected in the range from 1 to 84 months;
- annual rate - at least 11.5%;
- the best conditions are offered to those to whom the pension is transferred to the card of this bank.
Oriental
This bank is ready to approve an application for a consumer loan for pensioners with a high degree of probability.
The conditions for the provision are as follows:
- the age of the borrower at the time of repayment is not more than 76 years;
- the amount is determined in the range of 25,000 - 100,000 rubles;
- period of use of funds - from 12 to 36 months;
- cost per year - from 22.5%;
- the basis for issuance is a civil passport;
- the term for the verdict is 5 minutes;
- expedited process.
Lending features:
- no age restrictions for clients;
- the period is set within 12–36 months;
- limits on the amount - at least 20,000, maximum 200,000 rubles;
- annual rate - not less than 14.9%;
- most profitable option cooperation - to recipients of pensions in PostBank;
- The institution has an extensive network of branches throughout the Russian Federation.
UBRD
The bank has branches in different regions of the Russian Federation. The loan amount can be determined in the range of 20,000 - 600,000 rubles. The return period is from 12 to 60 months.
Annual credit rate is assigned to a pensioner individually, but its size cannot be less than 21%. The maximum age of a potential borrower is no more than 75 years.
The financial institution offers the Pension Plus loan product on the following terms:
- return period - no more than 7 years;
- the possible loan amount is limited to the range of 5,000 - 1,000,000 rubles;
- the maximum age of the borrower at the time of full repayment is 75 years;
- the percentage is assigned in the range of 17–27% per year.
SKB-Bank
This institution does not have special offers aimed at pensioners, but almost any applicant will be able to take a loan on the following conditions: from 11.5% per year interest rate
up to 1,000,000 rubles loan amount
24 hours application processing time
Go
This is one of the best organizations where you can get a consumer loan for working pensioners. Lending specifics:
- loan amount - no more than 1,000,000 rubles;
- term - from 12 to 60 months;
- annual percentage - from 11.5%.
Requirements for the borrower: features of lending to pensioners
It should be noted that when applying for a consumer loan in all banks, pensioners are subject to standard requirements:
- citizenship of the Russian Federation;
- official registration;
- good history of relationships with creditors.
The specifics are as follows:
- strict restrictions on the age of the borrower;
- requirement to present pension documents (pensioner's certificate or certificate from the FIU).
consumer credit for military pensioners also does not have significant features of the provision.
Required documents
When applying for a loan, pensioners may need the following documents:
- passport;
- pensioner's certificate;
- SNILS code (sometimes);
- certificate of actual pension accruals issued by the Pension Fund of the Russian Federation.
Credit cards
Borrowing with a plastic credit card is an interesting solution to the problem of cash shortage for older people.
Table. The most advantageous offers for credit cards for pensioners:
| Bank | Percent, % | Maximum grace period (days) | Maximum amount limit (rubles) |
| Tinkoff | 19,9% — 34,9% | 55 days | 300 000 rub. |
| Home Credit | 29,9% | 51 days | 300 000 rub. |
| Renaissance | 24,9% — 29,9% | 55 days | 200 000 rub. |
| 25,9% | 50 days | RUB 500,000 | |
| Russian standard | from 37% | 55 days | 450 000 rub. | 5 (100%) votes: 1
The maximum age at which it is possible to receive funds in some banking institutions is 55, 60 or 65 years. There are companies that give loans to pensioners, but this does not apply to non-working pensioners. Therefore, one of the requirements is proof of income and a certificate of employment.
But even for non-working pensioners there are certain proposals. As a rule, banks give loans to those people of retirement age who receive the due payments on the card of this institution.
With the corresponding proposals entered the market:
- Rosselkhozbank;
- Sberbank;
- Tinkoff;
- Renaissance.
All of them follow an individual approach when considering applications.
What banks give credit to pensioners?
Both working and non-working pensioners are ready to give loans to those banks that wish to attract more borrowers. For example, you can take money from National Bank savings. Here they are ready to draw up an agreement with those individuals who are unemployed, but have not reached the age of 67.
According to the consumer cash lending program, the NBS offers to take from 30 to 300 thousand rubles, regardless of the items of expenditure for which the money will be sent. Here they give finance at 19% per annum.
Also, non-working people of retirement age can be given money in the following organizations:
- Rosselkhozbank;
- Primsotsbank;
- Pushkino.
They contain proposals both for those individuals who receive an old-age pension, and for those who receive a disability pension.
Loan to a pensioner at 12 percent per annum
Many are interested in the question of which bank gives loans to pensioners at 12 percent per annum. Such an interest rate is a huge find not only for non-working individuals with a pension status, but also for other people. However, Sovcombank has a similar promotional product.
If, on a general basis, they give money to people under 85 years old at 29% per annum, then under the terms of the last promotion in the bank you can get up to 100 thousand rubles at 12%. The option with this rate will be included in the contract if more than 80% of the funds are directed to the specified purpose.
Home Credit Bank gives loans to pensioners?
Loans to pensioners in Home Credit Bank are issued at 22.9% per annum. A person with this status can receive financial assistance in the amount of 25 thousand to 150 thousand rubles. The term of the contract will be from one to four years. Under the terms, it is not necessary to provide security even if the individual is unemployed.
Express credit bank, Renaissance, Alfa bank - conditions for obtaining a loan to a pensioner
Unemployed individuals of retirement age, you can contact one of the three above-mentioned banking institutions. For example, in the Orient Express they are ready to issue 200 thousand rubles for 5 years at 16.7%.
Alfa-Bank does not currently have profitable consumer programs. Unemployed persons of retirement age can only receive an express program, where the average rate is 37%, and the amount is 10 thousand - 250 thousand.
In the Renaissance, they provide up to 200 thousand rubles at a rate of 15.9 to 28.3% for a period of 2 to 5 years. The age limit is 70 years at the time of loan repayment.
Which banks give loans to non-working pensioners?
The following banking institutions have consumer lending programs through which non-working pensioners can receive money:
- VTB-Bank-Moscow;
- Renaissance;
- Citibank;
- Post-Bank;
- Raiffeisenbank;
- Tinkoff;
- Interprombank.
The minimum interest that you can count on when applying to these organizations is 14.9%.
What banks give a loan to pensioners at a low interest rate?
Among the entire list of existing offers, it is worth highlighting three programs with the smallest percentages:
- Moscow credit bank- from 14; (Untargeted without collateral);
- VTB-Bank-Moscow – from 14.9% (Cash);
- Interprombank - from 15% (Pension).
These organizations operate in Moscow, St. Petersburg and other Russian cities. In them, the unemployed are provided with no more than 500 thousand rubles.
Up to 75 years old
Which banks give loans to non-working pensioners under 75? Not many organizations work with non-performing borrowers. At this age, you need to try to apply to:
- Sberbank;
- Rosselkhozbank;
- Bystrobank.
Upon individual consideration of the application, there is a possibility of a positive decision.
Up to 70 years old
Banks that give loans to pensioners under 70 are listed below.
The Sprintcredit.ru team analyzed the offers of well-known banking institutions of the Russian Federation and found answers to the following questions:
- where can I get a loan for retired unemployed without refusal with a minimum rate?
- which banking institutions give money to people aged 75-85?
- why is Sberbank not the most profitable bank this year?
Banking institutions with the best loan rates for pensioners
| Bank | Terms | Online application |
|---|---|---|
| Sovcombank up to 85 years | 8.9% share | |
| Post Bank | 9.9% share | Apply |
| Eastern without refusal | From 9.9% | Apply |
| Renaissance Credit in 1 hour | From 9.9% | |
| From 11% | Apply | |
| Sberbank | From 12.9% | Apply |
| Rosselkhozbank | From 10% | Apply |
Now let's look at each loan offer in more detail.
- Interest rate - 8.9% per annum;
- Amount - from 5,000 to 400,000 rubles;
- Term - from 1 to 5 years;
- Age at the time of return - up to 85 years.
This is a smart program for those who need a small amount money at the appropriate rate. Options are also offered up to 1,000,000 rubles at 13.9%, this is a fairly profitable consumer loan in the Russian Federation this year.
The Bank is ready to consider the applications of employed and unemployed pensioners, in addition, the elderly are served in the first place. Pensioner's age limit at the time of closing the loan limited to 85 years. To sign the contract, you need to have a passport and a pensioner's certificate with you. Additional data, guarantors and collateral are not required. Specify the full conditions of the promotion and the possibility of participating in it at the bank after completing the application.
→
"Renaissance Credit" satisfies the request within 1 day
- Amount - from 30,000 to 700,000 rubles;
- Term - from 2 to 5 years;
- Age at the time of return - up to 70 years.
A banking institution under the control of Mikhail Prokhorov, which is not particularly attractive to the elderly. But, in general, "Renaissance" gets along well with borrowers, almost without refusal gives them loans in rubles, at 9.9% per annum.
"Vostochny" practically does not refuse "pension" loans
- Interest rate - from 9.9% per annum;
- Amount - from 25,000 to 3,000,000 rubles;
- Term - from 13 months;
- Age at the time of return - up to 76 years.
Interprombank offers "pension" loans up to 1,000,000 rubles
- Interest rate - from 11% per annum;
- Amount - from 45,000 to 1,000,000 rubles;
- Term - from 6 months to 3 years;
At the moment there are branches of Interprombank only in the Russian capital and in the region. To take a "Pension" loan is available at 11%, it should be returned up to 75 years.
Among the advantages, one can single out a fairly large amount, an acceptable rate, quick consideration of a loan application without certificates and guarantors.
A positive answer is real, even taking into account the negative history of the loan in past years. There is only one minus - the lack of branches by region.
Send an application for a loan to Interprombank →
Post Bank offers "pension" loans without age limits
Terms and rates on loans from Post Bank
- Interest rate - from 9.9% per annum;
- Amount - from 50,000 to 1,500,000 rubles;
- Term - from 1 to 5 years;
- The client's age is unlimited.
This institution is a union of VTB and the Russian Post with a huge number of branches, starting from the capital, ending with Vladivostok. Applications are accepted from borrowers of all ages. Mild conditions are laid down for those who receive a pension through the bank.
Sberbank lends to pensioners from 12.9% per annum
- Interest rate - from 12.9% per annum;
- Amount - from 15,000 to 3,000,000 rubles;
- Term - from 3 months to 5 years;
- Age at the time of return - up to 65 years.
Suddenly it will not be possible to sign an agreement with Sovcombank at 12%, pay attention to a cash loan at Sberbank.
There are no optimal programs for older people, but interest rates are quite attractive for the Russian Federation.
It is a pity, but the largest banking institution in the country has set an age limit (within 65 years). Simply put, to take money for 5 years, a person must be under 60 years old.
Rosselkhozbank offers "pension" loans for up to 7 years
- Interest rate - from 10% per annum;
- Amount - from 10,000 to 500,000 rubles;
- Term - from 1 month to 7 years;
- Age at the time of return - up to 75 years.
Rosselkhozbank - government agency, pensioners can take from 10 thousand rubles, the repayment period is from 1 month, as well as loans for 7 years up to 500 thousand rubles. The most relevant conditions for those who transfer their pension here. There is a calculator on the official portal, thanks to which it is possible to calculate monthly payments and the amount of overpayment.
What documents do pensioners need to get a loan?
By and large, at the time of application, you need passport data and a pensioner's certificate. From time to time, representatives of the bank are interested in SNILS, in individual cases they are asked to bring a certificate from the Pension Fund on the amount of the pension issued last month.
Until what age can a pensioner get a cash loan?
Almost every bank specifies the maximum age of the borrower. The age at the time of closing the loan is taken into account. In Sberbank - 65 years, in Rosselkhozbank and Sovcombank - 75 and 85 years, respectively. Post Bank has no age restrictions for pensioners.
Information for retirees with bad credit
Initially, you should consult commercial banking institutions, where the chances of a positive result are higher. I mean Renaissance, Vostochny Bank, Sovcombank. Another way out is to get a loan by mortgaging real estate.
The maximum amount for a short period is available to take in a microfinance organization. A high percentage of approvals, including for pensioners. We have selected for you.
Content
Previously, older people were welcomed by banks as depositors. Financial institutions are now expanding their base to generate revenue and attract older generations to lend. Years of cooperation have shown banks the ability of pensioners to correctly allocate their expenses and save money with small incomes.
How to get a loan for a pensioner
When issuing loans, financial institutions assess the risks of their non-repayment. The reason for the refusal to issue a loan to citizens of the older generation is small pension payments. At the same time, the pension serves as a stable source of income. This is an important argument when making a decision on issuing a loan. Banks lend to pensioners under general financial products at a reduced rate, or under special programs. Increase the chances of senior citizens to receive borrowed money may:
- insurance;
- attracting a co-borrower;
- guarantee of other persons;
- pledge of property;
- excellent credit history;
- Additional income.
Until what age do they give credit to pensioners
The main reason for refusing to provide a loan to older people is their age. Most banks offer loans to retirees up to the age of sixty-five. Specialists take into account the threat of non-repayment of a loan for a reason independent of the borrower - loss of health or life. To take a loan for pensioners after 65 years offer:
- Sovcombank;
- Sberbank of Russia;
- Rosselkhozbank;
- Eastern Express;
- EuroCommerzbank.
Which banks give loans to pensioners
The ideal borrower is a retired citizen who has a job. The presence of additional earnings indicates the relatively good health and sound financial position of the borrower. To draw up an agreement on a car loan or mortgage, the borrower undertakes to provide property as security for the loan. To get a loan for a pensioner offer:
- Sberbank of Russia;
- VTB 24;
- Renaissance;
- Rosbank.
Consumer credit for pensioners
The most affordable type of lending for retired citizens is a loan for everyday needs - it can be issued in the shortest possible time with the provision of only a passport and a pension certificate. There are financial institutions that, for additional guarantees, include a military ID, driver's license, and insurance in the list of documents for obtaining a loan.
An application is made at a bank branch in the presence of a loan officer, or independently online on the official website. Convenient for Internet users is a calculator with which you can calculate the amount monthly payment and loan term. The application is considered individually for each borrower. Consumer credit for pensioners is issued:
- Soviet.
It is profitable for people to borrow with the help of credit card. Financial institutions offer customers to issue it directly in retail stores of goods on credit. The card has several advantages:
- Its owners are given a grace period of 30 to 200 days - within its limits, interest on borrowed funds is not charged.
- The cardholder receives money on the account - interest from the amount of purchases.
Credit for non-working pensioners
Borrowed funds are becoming available for non-working citizens of the older generation. The amount of the loan is calculated based on the monthly installments and their ratio with the income of the borrower. With small pension payments, you can choose a longer loan period to reduce monthly contributions. To increase the total amount of income, it is allowed to fulfill the requirement - to attract a co-borrower (family member) and provide a certificate of his income.
Older people are interested in which banks give loans to non-working pensioners. Vnesheconombank, transformed from Roskombank, does not issue such loans. Credit for non-working pensioners is issued by:
- Sovcombank;
- Rosselkhozbank.
Cash loan for pensioners
It is beneficial for older people to receive borrowed funds in cash and use them when necessary. For this financial institutions develop new credit products and offer debit cards for pensioners, from which you can withdraw money without commission. Cash loans for pensioners are issued:
- Post office;
- Renaissance;
- Rosbank.
Loans for pensioners without certificates and guarantors
Banks are attentive to socially vulnerable people of the older generation. Their needs are urgent. It is difficult to find guarantors and get a job for people after retirement, so banks for pensioners simplify the process of issuing a loan. Loans to pensioners without certificates and guarantors are issued by:
- Sovcombank;
- Rosselkhozbank;
- Post Bank.
Credit for pensioners in Sberbank - conditions
The Bank has developed a special program for retired persons. It includes special credit and insurance conditions, debit card with additional bonuses. Sberbank provides:
- Car loan. The loan is secured by a car.
- mortgage. It is issued on the security of property. Loan period up to thirty years at interest from 11.5 per annum.
- A loan to refinance loans from other credit institutions. The maximum borrowing period is 5 years for up to 1 million rubles at 14.9-23.9%.
- A loan for the development of personal subsidiary plots. Issued for a period of up to five years at 20 percent. The maximum loan amount is 700 thousand rubles.
- consumer loan.
Without collateral, a loan in Sberbank for pensioners is issued to working people under 65 for a period of up to five years for maximum amount 15 00000 rubles. Income credit institution for this product is from 14.9% per year. Under the guarantee, credit funds are drawn up by borrowers who, on the day the contract ends, have not reached 75 years of age. They are offered the maximum loan amount of 3,000,000 rubles, the maximum loan period is 5 years. The interest rate is from 13.9% per year.
Credit for pensioners in Rosselkhozbank
Elderly people in Rosselkhozbank belong to a special category of clients - a special cheap loan product "Pension" has been developed for them at a low interest rate. It is offered to be used for any purpose. The official website informs visitors about the current promotion - lowering interest rates on loans available to older citizens:
- consumer;
- pension;
- mortgage;
- for the development of private farming.
Loans available at the Agricultural Bank for retired persons:
- to purchase a car;
- for gardeners.
A cheap loan to pensioners in the Russian Agricultural Bank is issued for any purpose on the conditions:
- within 10-500 thousand rubles;
- for a maximum of 7 years;
- without security;
- no commission;
- method of receipt - crediting to the account;
It is possible to repay the loan ahead of schedule without accruing penalties. The interest rate starts from 12.9% per annum. It is issued to citizens until they reach the age of 75 on the day the contract ends. You can pay the debt through terminals, bank cash desks, by postal or bank transfer.
Sovcombank - cash loan for pensioners
The bank is the only financial institution that lends to older people after they reach 80 years of age. Sovcombank has developed a new special loan product "Pension Plus" for pensioners. Profitable loan for pensioners, they are issued to persons who, on the day the contract ends, will be no older than 85 years old, on the conditions:
- non-working citizens - up to 200 thousand rubles, working - up to 300 thousand rubles;
- maximum loan term 36 months;
- without references;
- without guarantors;
- without security.
The interest rate is provided from 14.9% per annum. Retired persons are provided with loans at a minimum rate of 12% per annum:
- mortgage
- car loan.
It can be received by a person with a high level of income, which is necessary for issuing a significant amount. He must work and have additional income, or find a co-borrower to increase the amount of income. An entrance fee will be required in the amount of 10% of the value of the property or car.
Russian Post Bank - loans for pensioners
Post Bank is available to every borrower. It was created on the basis of post offices and Leto Bank, has its own representative offices in each locality. Special loans have been developed as part of the Pension Credit product. Obtaining borrowed funds is possible for citizens who, on the day the contract ends, will not reach 80 years. A loan for pensioners at the Russian Post bank is issued in cash at the cash desk or transferred to an account on the following terms:
- the maximum amount is 150 thousand rubles;
- a deadline of 36 months;
- minimum percentage 14.9 per annum when connecting the "Guaranteed Rate" service.