As the analysis of product lines of some Russian banks, credit pensioner enough demand in the past few years.However, it did not take so very simple.While bankers recognize that the said category of customers is one of the most honest and binding.Incidentally, this would declare and employees of housing and communal services.If, of course, someone had the idea to ask nih.Dalee we look at a few financial institutions, which take credit pensioner is not so difficult.Although, of course, a special age category of the clients and a modest income are forcing lenders to behave very cautiously.You also need to add that these programs are not in the category of universal concern.That is to dwell on what a loan from Sberbank pensioner may be issued (a consumer, you need to return at 75 years old), we will not.
So, the first to propose a loan pensioner was Sovcombank.His program provides that a loan can draw a Russian citizen, who will return it completely to the point as he turns 85 years old.The maximum amount is 250 thousand (or less).Interest rate - 28% per annum.Take advantage of this offer can both work and non-working pensioners (old-age, disability, coming ahead of time).You can also use the program "Express Pension": up to 30 thousand rubles under 33% per annum.This is only needed pasport.Takzhe civilian pensioner can issue credit Rosselkhozbank.Under a special program, drawn up loans of up to 100 thousand rubles.And for the use of the client pays only 15% per annum.Terms and Conditions of the program (by the way, it is called "pension credit") provides that a positive decision of the credit committee is only possible if made to a co-signer or co-borrower transaction.Alternatively, you can provide and liquid collateral.
In addition to these organizations, pensioner loans offer the following:
• BystroBank - up to 200 000 rubles by 26-35% per annum.Asked to confirm the income or provide a certificate reflecting the amount of pension received.
• bank "West" - 250 000 rubles under 26% per annum (or above).To obtain the certificate necessary to pension and civil passport.
• Severgazbank - up to 100 000 under the 17% -21.5% per annum.Without the guarantor do not work here.Moreover, the bank requires presentation of a passport, pension certificate and certificate of pension received (or 2-PIT, if the client is currently running).
• Primsotsbank - up to 100 000 or 200 000 under the 20% -21% per annum.In the second case, you need at least one surety, and in the first - no.You also need to confirm the size of the pension.
As for pitfalls, here are the same as for a standard loan programs.In order to avoid difficulties in the future, it is better to find free time to make the company elderly relatives during his visit to the bank.And should not go just like that, but to be the guarantor.This will reduce the risk of failure in delivery and allow to hope for a lower interest rate.
