Not every bank gives loans to retirees - some lend only to working people. Fortunately, this requirement is gradually being relaxed. Now there are more and more proposals that help make lending to non-working pensioners profitable and convenient. Khlynov presents 3 similar loans to choose from.
Terms of loans to pensioners in Khlynov
You can take out a loan for a pensioner:
- without guarantors;
- without certificates;
- at a low interest rate - from 8.80 to 20.00 percent per annum;
In addition, you can simplify your choice by calculating your monthly payment using. And to study the features in more detail, go to the official Khlynov website.
How to quickly get a loan without guarantors for pensioners in Khlynov?
If you have chosen a suitable loan, then there is very little left - filing an application will take almost no time:
- Go to the page of this loan program.
- Click "Apply".
- Fill the form.
- Submit your application.
You will be called within 3 days, and you can pick up the money at any convenient time at the nearest Khlynov branch.
The Khlynov bank's pension calculator will calculate the amount of the loan payment and form a visual payment schedule.
Bank Khlynov (Kirovsk) provides loans to pensioners under the program "Pension".
Within the framework of the loan, the Pension Bank provides loans to non-working pensioners for any consumer purpose. The main requirement for borrowers is age - up to 65 years at the date of loan repayment.
To obtain a loan, you must provide the following documents:
- borrower's passport;
- pensioner's ID;*
- certificate from the Pension Fund of the Russian Federation on pension accrual for the last 6 months or an account statement from a servicing bank; *
- bail documents;
- additional documents at the request of the bank.
* documents are provided if the pension is not paid through the Khlynov bank.
Basic lending conditions:
The interest rate on the loan, in addition to the amount and term of the loan, depends on the availability of collateral for the loan. Bank Khlynov offers its borrowers to carry out life and health insurance, which also affects the size of the interest rate.
We can say that the terms of the Pensionny loan are interesting, they allow non-working pensioners to receive funds for consumer needs. Terms of up to 3 years allow you to get a longer loan, but with a smaller monthly payment, loan rates are low.
By filling in the fields of the calculator, you will see the amount of payment for the future loan, as well as the schedule of payments for the loan term.
Bank pension loan calculator Khlynov
OJSC CB Khlynov is located in Kirov and is a member of the Association of Regional Banks and the Association of Russian Banks. One of the financial tasks of the Khlynov commercial bank is to issue consumer loans to the population with comfortable interest rates.
Types of loans and conditions
The line of consumer lending of the Khlynov bank today includes 4 products:
- "Consumer";
- "Credit for refinancing";
- “Consumer loan with a decrease in the interest rate”;
- "Consumer-target".
Let's take a closer look at the conditions for each loan.
"Consumer"
It is possible to borrow money for any purpose to private individuals in KB "Khlynov" in the amount from 5,000 rubles to 3,000,000. But if the amount is from 500,000 rubles, you will need collateral in the form of a pledge (vehicle or real estate). For non-working pensioners, the maximum amount is 500,000 rubles (with security, and without it - 300,000).
Interest rates range from 12.5-16.5%. Loans can be issued for a period from 3 months to 60 months, for pensioners - up to 36 months. Additional commissions for servicing and issuance are not provided by the bank.
A commercial institution puts forward a number of requirements for a client:
- Age from 20 to 70 years old. If the loan amount is more than 500,000 rubles, then people under the age of 25 must be provided with guarantors or collateral.
- From six months of work experience and from 2 months of receiving a pension;
- Temporary or permanent registration in the Republic of Mari-El or in the Kirov region.
Employees collect the following package of documents:
- Passport of the Russian Federation;
- Certificate in the form 2-NDFL for 6 months (for pensioners - an extract from the pension account on the amount of regular payments if they do not receive a pension at the Khlynov bank);
- A certified copy of a work record book or a civil law contract.
Salary clients of the bank can apply with only one passport.
Lawyers and notaries must submit documents allowing them to engage in advocacy and notarial activities. The same applies to people working in law enforcement agencies. The package of documents for an individual entrepreneur includes a certificate of registration, a 3-NDFL certificate, a cash book or a tax declaration.
"Credit for refinancing"
The purpose of the loan is to repay the debt to another bank, including credit cards, in other words - on-lending. The amount from 5,000 rubles to 3,000,000 is issued for a maximum of 5 years, for a minimum of 3 months. Non-working pensioners need to pay off their debt to KB Khlynov within 3 years.
The interest rate varies from 12 to 15% and is set depending on the period for which the loan is required and whether the borrower is a member of the life and health insurance program.
Requirements for the borrower are the same as in the "Consumer" package, however, credit documents for refinanced loans must also be added to the list of documents. When applying for a loan for more than 500,000 rubles (300,000 for retirees), you need collateral, which can be a real estate object or a client's vehicle.
"Consumer loan with a decrease in the interest rate"
The maximum amount is 1,000,000 rubles at a rate of 14-18%. When issuing more than 500,000 rubles, the loan may be secured by a pledge of real estate or transport, and for amounts up to 500,000 rubles - by a surety of individuals.
The package of documents for receiving money from KB "Khlynov" for this product is standard. And if the repayment occurs within the established schedule, terms, then the interest rate will go down by 0.1% every month. In the event of delinquencies, the interest rate returns to the previous level and does not decrease any more.
"Consumer-target"
The amount from 1,000,000 to 3,000,000 rubles can be obtained at 15% -16.5%. The loan is issued for a minimum of 3 months, a maximum of 5 years. This product requires security in the form of transport or real estate. The loan can be obtained for:
- Construction work or renovation;
- Purchase of pieces of furniture, equipment or transport;
- Purchase or construction of real estate;
- Getting an education;
- Treatment and rehabilitation.