Where can I get a loan to a pensioner? And can it be done at all?

As the analysis of product lines showssome Russian banks, the loan to the pensioner is quite in demand in the past few years. However, to take it is not so easy. Although the bankers themselves admit that the mentioned category of clients is one of the most conscientious and obligatory. By the way, the same could be stated by the employees of the housing maintenance offices. If, of course, it occurred to someone to ask them.

Next we look at a few credit and financialinstitutions, where to take a loan to a pensioner is not so difficult. Although, of course, the special age of this category of clients and the modest amount of income force lenders to behave very carefully. It is also necessary to add that the given programs do not belong to the category of universal ones. That is, we will not dwell in detail on what kind of credit can be issued to a pensioner in Sberbank (consumer, you need to return when you reach 75 years).
So, the first to offer a loan to a pensionerwas Sovcombank. His program provides that a citizen of Russia can apply for a loan, who will fully return it until he is 85 years old. The maximum amount is 250 thousand rubles (or less). Interest rate - 28% per annum. This proposal can benefit both working and non-working pensioners (for old age, for disability who have left early). You can also use the Express Pension program: up to 30 thousand rubles at 33% per annum. All you need is a civil passport.Also, a loan to a pensioner can giveAgricultural Bank. As part of a special program, loans of up to 100 thousand rubles are issued. And for the use of the client pays only 15% per annum. The terms of the program (by the way, it is called “Pension loan”) stipulate that a positive decision of the credit committee is possible only if the guarantor or co-borrower is involved in the transaction. Alternatively, you can provide a liquid deposit.

In addition to the organizations mentioned, the following offers are offered to the pensioner:

• Fast Bank - up to 200,000 rubles at 26-35% per annum. You will need to confirm income or provide a certificate reflecting the amount of the pension received.
• Bank Zapadny - up to 250,000 rubles at 26% per annum (and higher). You need a pension certificate and a civil passport.
• Severgazbank - up to 100,000 rubles at 17% -21.5%annual Without a guarantor to do here will not work. Moreover, the bank requires the presentation of a passport, pension certificate and certificate of pension received (or 2-NDFL, if the client is currently working).
• Primsotsbank - up to 100,000 or up to 200,000 rubles at 20% -21% per annum. In the second case, at least one surety is needed, but not in the first. You also need confirmation of the size of the pension.

As for the pitfalls, here they aresame as standard loan programs. In order to avoid difficulties in the future, it is better to find free time in order to make a company to an elderly relative during his visit to the bank. And you should not just go, but with the goal of becoming a guarantor. This will reduce the risk of refusal to issue and will hope for a lower interest rate.