Banking products are developed for each category of citizens separately. This allows the institution’s staff to take into account all the features and specific aspects and make the programs as beneficial as possible for the population. Today, retirees can also get a loan to make their dreams come true. This article will discuss the programs of the largest Russian banks for providing loans to citizens of retirement age.*
Cash loan for pensioners: features
When considering a client’s application for a loan, the following types of pensions may be taken into account:- by old age;
- on disability;
- for length of service;
- social benefits for persons under retirement age.
In addition, the borrower’s additional income is considered if it is documented:
- salary from place of work, including bonuses;
- private practice;
- maintaining personal farming, etc.
Pensioners are a rather risky category of borrowers for banks, so banks often ask for a loan guarantee.
Sberbank: cash loan for pensioners
Sberbank has developed a special offer for pensioners - “Golden Years”. As part of this program, citizens receiving a pension can take advantage of profitable loan products. If the pension is transferred to an account opened with Sberbank, preferential conditions apply.
Clients can count on the following loan programs:
- Credit card.
- Loan for any purpose.
- up to 1 million rub. under standard conditions (rate from 24.99%);
- up to 2 million rubles if you have a salary card (rate from 22.49%).
When applying for a loan on the website, the rate may be reduced by 3%. The interest depends on the volume of obligations: the larger the amount, the cheaper the loan.
You can submit your application electronically on the bank’s website.
- The client fills out the proposed form (personal, passport data, income level).
- A preliminary decision comes in the form of an SMS to your phone.
- The borrower visits the branch and signs the agreement.
- The pensioner receives funds on the day the documents are signed.
Cash loan for pensioners at Home Credit Bank
At Home Credit Bank, as part of a cash loan for pensioners, an amount in the range of 10–400 thousand rubles is available. The loan is provided in rubles for a period of 6–60 months. The interest rate can be from 27.9%.
The maximum age of the client at the time of debt repayment should not exceed 68 years. But if there is a good credit history with this institution, the borrower can use the loan until he reaches 70 years of age.
The loan is issued without collateral or guarantors, the repayment date is selected taking into account the borrower’s preferences. There is no issuance fee.
Comparative table of loans from the reviewed banks
The interest rate does not always tell the client about the actual cost of the loan. Therefore, it is best to find out from each institution what fee you will have to pay monthly. This way you can adequately assess your financial capabilities and choose the best option.
The table shows an example of the cost of the loan, based on the loan amount of 100,000 rubles, the contract period is 12 months. When entering data, the online calculator automatically selected an interest rate, which did not always coincide with the minimum stated on the website.
Package of documents for obtaining a loan for pensioners
Each bank has its own requirements for the package of documents and the procedure for processing individual papers. Therefore, the borrower should check the complete list with the institution where he plans to take out a loan. Information can be found at the branch, on the website or by calling the hotline.
The borrower may be required to provide the following documents:
- passport (it is replaced by a military serviceman’s or sailor’s ID card);
- a second document (passport, driver’s license, tax identification number, health insurance policy, documents for vehicles or real estate);
- documents confirming employment and income level (for working pensioners);
- passport of the guarantor (if a guarantee is provided).
In most banks, employees ask the pensioner to provide only a passport and pension certificate. If there is additional income, confirmation of the amount of profit received is also necessary. The income certificate can be presented in the 2-NDFL format or in the bank form. The same package of documents is required from the co-borrower as from the client himself.
What pensioners need to know when applying for a bank loan
Loans for pensioners in Moscow are issued in cash or by card. In 2019 it is possible at a low interest rate. For a short period of time, Moscow banks are ready to consider the possibility of issuing without insurance.
Terms of loans for pensioners in Moscow
Moscow banks offer to draw up an agreement to receive almost any amount. For working people there are options that make it possible to use and. The main condition is age. It should not be more than the established limit at the end of payments. Pensioners can get a loan from:
- with the possibility of further refinancing to another Moscow bank;
- with early repayment;
- without guarantors.
Consideration of the application does not take much time, and more favorable conditions are offered for those who receive payments to the card at the bank. Such citizens do not have to present a certificate from the pension fund about the amount of payments for the last 6 months.
A loan for non-working pensioners can be issued on general terms. Then the same requirements are imposed on the applicant as for other citizens.
How to find and apply for a loan for pensioners in Moscow?
With the help of the service, both citizens who are still working and everyone else will find a suitable option. You can get a pension loan in Moscow in a short time if... We recommend to sort offers from Moscow banks. After approval, all you have to do is bring the documents to the department. Some institutions offer courier services.
Loans for people of retirement age for urgent needs are not much different from loans for able-bodied citizens. Banks take into account the fact that a pension in Russia is guaranteed by the state and, therefore, is a relatively small, but constant income. Therefore, some banks are ready to offer loans for pensioners with a low interest rate on preferential terms. By pensioners, banks usually mean elderly citizens receiving a state pension - labor or for long service - so this category of borrowers does not necessarily include young pensioners receiving other types of pensions, but it is better to check this with a specific bank. The age for receiving an old-age pension in Russia is now 55 and 60 years, respectively, for men and women. According to Rosstat, the average life expectancy is 66.5 years for men and 70 years for women, so banks compensate for their risks with life insurance, which, as a rule, is highly desirable for pensioners. A key condition is also the maximum age at the end of the loan term. We have studied the most profitable bank loans for elderly borrowers.
Bank | Min. bid | Max. term | Max. sum | Max. age | Need work | Insurance |
---|---|---|---|---|---|---|
Sovcombank | 12% | year | 100,000 rub. | 85 years old | Yes | No |
Sberbank | 12.9% | 5 years | 5,000,000 rub. | 75 years old | Yes | Desirable |
Post Bank | 12.9%/ | 5 years | 1,000,000 rub. | - | Yes | No |
Rosselkhozbank | 11.5%/ | 7 years | 500,000 rub. | 75 years old | No | Desirable |
LokoBank | 14.4% | 7 years | 2,000,000 rub. | 68 years old | Yes | No |
Ural Bank for Reconstruction | 21% | 7 years | 600,000 rub. | 75 years old | No | No |
Raiffeisenbank | 12.9% | 5 years | RUB 1,500,000 | 67 years old | Yes | Desirable |
Renaissance Credit | 12.9% | 5 years | 200,000 rub. | 70 years old | Yes | No |
VTB Bank of Moscow | 14.9% | 5 years | 3,000,000 rub. | 75 years old | Yes | No |
Tinkoff Bank | 14.9% | 3 years | 1,000,000 rub. | - | No | No |
Sovcombank
Sovcombank offers cash loans for pensioners at an interest rate of 12%. Age from 20 to 85 years, but official employment of at least 4 months is required. Loan amount up to 100,000 rubles for a period of up to 1 year. Life insurance is voluntary.
Pros:
Low interest rate;
Insurance is not required;
Age up to 85 years.
Minuses:
Low amount and short term;
Residence in the city where the bank operates or no further than 70 km from it is required;
The loan is provided only to working pensioners;
The bank may refuse to issue a loan at a reduced rate of 12%, then it will be 17%, which is not at all so profitable.
When applying for a loan, beware of the imposition of insurance and additional services by bank employees.
An example of a situation involving the imposition of insurance. Message from the bankir.ru forum.
Sberbank
The terms of the loan for pensioners at Sberbank are as follows: rate from 12.9% (with a guarantor) or 13.9% (without a guarantor), amount from 300,000 rubles (400,000 rubles for Moscow) to 5,000,000 rubles (3,000,000 without a guarantee) for a period of up to 5 years, but This rate is valid only for a loan term of up to 2 years; if longer, it increases by 2%. Work is required, in the last position for at least 6 months (at least 3 months for salary clients). The requirements for guarantors (up to two guarantors in total) are the same as for the borrower. The maximum age is 75 years with a guarantor and up to 65 without a guarantor. It turns out that, taking into account the retirement age and the rate, it is better for a pensioner to apply for a loan to Sberbank only with a guarantor. Otherwise, there will either be a refusal based on age, or the rate will be higher. The bank does not write anything about insurance in the terms and conditions, but in practice it is important for approving the application.
Pros:
Low interest rate;
Insurance is not required;
Large maximum amount.
Minuses:
There must be a guarantor if the age is above 65 years;
The minimum amount is 300,000 rubles (400,000 rubles for Moscow);
The rate will be higher if the loan is for a period of more than 2 years.
Post Bank
Post Bank issues loans to pensioners in the amount of 500,000 to 1,000,000 rubles for a period of 1 to 5 years at 12.9%. If you need an amount less than 500,000 (but not less than 50,000) rubles, then the rate will be from 19.9% to 24.9%. No insurance needed. The bank does not state a maximum age. The bank also has a refinancing offer specifically for pensioners: from 50,000 to 200,000 rubles for a period of 1 to 3 years at a rate of 16.9% to 19.9%.
Pros:
Low interest rate;
Insurance is not required;
Large maximum amount;
No proof of income required;
Registration in the region where the loan is issued is not required.
Minuses:
The minimum amount is 500,000 rubles (if less, the rate increases);
If the next payment is not paid, a fee for the mandatory “Credit Information” service is charged from 500 to 2200 rubles (in addition to the accrual of increased interest for late payments).
Rosselkhozbank
Rosselkhozbank offers a preferential loan to pensioners without guarantors with a minimum rate of 11.5% for a period of up to 7 years. The maximum, however, is 17.5%. Amount from 10,000 to 500,000 rubles. The rate depends on the term and amount. If you refuse personal insurance, it increases by another 6% -6.5%. Age up to 75 years. Work is not required, but a certificate of the amount of pension from the pension fund or other body that calculates the pension is required. The borrower can choose the type of payment, differentiated or annuity.
Pros:
Low interest rate;
Long term;
No employment required;
Registration in the region where the loan is issued is not required;
You can choose differentiated payment.
Minuses:
The specific rate depends on the amount and term;
Without insurance, the rate increases significantly;
The stated deadline for making a decision is up to 5 days.
LokoBank
Amount up to 2,000,000 rubles, period up to 7 years. Rate from 14.9% (14.4% when applying online). If you have a salary card from large Russian banks (full list on the bank’s website), the bank gives a 1% discount. Age from 21 to 68 years. Thus, this bank is suitable for pensioners who have recently retired. But only for working pensioners, because continuous work experience at the last place of work must be at least 4 months. According to reviews, this bank has a relatively low probability of refusal compared to other banks.
Pros:
Large amount for a long period of time;
Insurance is not required.
Minuses:
Needs work.
The loan is called “Pension”. Amount from 50,000 to 600,000 rubles, rate 21% for a period of up to a year and 22% for a period of up to 7 years. Issued only to pensioners, maximum age up to 75 years. Without proof of income, employment is not necessary.
Pros:
No employment required.
Minuses:
High stakes.
Raiffeisenbank
It makes sense for working pensioners to contact Raiffeisenbank. Loan size from 90,000 to 1,500,000 rubles for a period of 1 to 5 years. Rate from 12.9% to 15.9%. But you need life and health insurance and disability insurance, otherwise the rate increases by 5 points and may exceed 20%. Work experience in the last position must be at least 6 months. Income can also be confirmed unofficially; a bank certificate will do. Age from 23 to 67 years.
Pros:
Large sum;
Low rate.
Minuses:
You need insurance, otherwise the rate goes up;
Need employment;
The bank requires you to indicate not only your home phone number, but also your work phone number, and only a landline phone number;
Age up to 67 years.
Renaissance Credit
The bank provides a loan from 30,000 to 200,000 rubles at a rate of 12.9% to 27.5% for a period of up to 5 years. No insurance required. Work, on the contrary, is required, although proof of income is not required, and a work book is not included in the list of documents. Age from 24 to 70 years.
Pros:
Fast consideration of the application;
No insurance required;
No proof of income.
Minuses:
Relatively small amount;
When repaying a loan at the bank's cash desk, there is a 0.5% commission for depositing cash, minimum 50 rubles.
VTB Bank of Moscow
The rates in this bank are not the lowest - from 14.9% to 19.9%, but the loan amount is up to 3,000,000 rubles. Duration from six months to 5 years. Maximum age is 75 years, employment and registration in the region where the loan is present is required. Insurance at the request of the client.
Pros:
Large amount;
Insurance is not required.
Minuses:
The minimum rate is set for payroll clients; for third-party borrowers it will be higher.
Tinkoff Bank
At Tinkoff Bank, pensioners can take out a cash loan in the amount of up to 1,000,000 rubles at a rate of 14.9% to 24.9% for a period of up to 3 years. There is also a loan secured by real estate for a record amount of up to 15,000,000 rubles and for a period of up to 15 years, the rate in this case is from 12%. The bank does not impose any special requirements on borrowers, but lack of employment, low or unconfirmed income, high age and other factors that worsen the borrower’s category increase the rate or may cause refusal. In any case, you should also contact Tinkoff Bank to compare the conditions with other offers.
Pros:
Large amount;
Insurance is not required;
Employment is not required;
Quick review;
Convenient remote service channels.
Minuses:
The rate is likely to be relatively high;
To receive a large amount, it is advisable to be an active client of the bank.
Top 10 banks where you can get a loan for pensioners
1. Sovcombank. Low rate, but needs work. The highest borrower age among all banks is up to 85 years. True, the amount is small, but if you need a lot of money, this bank will not suit you.
2. Rosselkhozbank. Lowest rate, no need to have a job. The downside is that you will have to take out insurance, otherwise the rate will increase significantly. However, insurance costs money.
3. Sberbank. If there is a guarantor, then this is a profitable bank for a working pensioner who wants to take out a loan. Without a guarantor, Sberbank's loan offers for pensioners are not very profitable, which, especially in the case of a young guarantor, is tantamount to crossing Sberbank off the list - in fact, the guarantor bears equal responsibilities with the borrower and, therefore, can take out a loan with equal success in any bank yourself, and then borrow the money received from the pensioner.
4. Post Bank. A large sum at good rates. Need work.
5. Raiffeisenbank. Up to one and a half million, the rate is one of the lowest. Not suitable if you are over 67 years old, and you will most likely have to take out insurance.
6. Renaissance Credit. A small amount, but there are few requirements other than employment.
7. LokoBank. An impressive amount (up to 2 million) at an average market interest rate. Unless, of course, you are working and retired relatively recently.
8. VTB Bank of Moscow. The maximum age is quite high, the salary is average, the amount is large, and you can’t do without work.
9. Tinkoff Bank. A very convenient bank, the application and decision are quick. Perhaps for a pensioner, including those who are not working, this bank will be optimal, especially if others have refused to issue it.
10. Ural Bank for Reconstruction and Development. Expensive, but you don’t need work or insurance, and most likely there won’t be any problems with age.
Which bank is more profitable for a pensioner to take out a loan?
When making a conclusion about which bank is more profitable for a pensioner to take out a loan, you can see that despite the predictable financial situation of this category of borrowers, banks do not really trust them. The main reason is age. This is not surprising, since the average Russian pensioner does not have much time between the moment he retires and the moment when he no longer needs any credit. But in some cases, a non-working pensioner can also get a loan. Therefore, you should take it from any store that offers it, and if it’s not too expensive.
Requirements for Sberbank borrowers.
The requirement of most banks that a pensioner be working seems logically strange. Indeed, let, for example, pensioner A work, as before, as a seller of pies for a gray salary of 15,000 rubles. Let his pension also be 15,000 rubles. Then, after retirement, his monthly income will double and amount to 30,000 rubles. He can easily contact many banks and get a loan. Now let’s look at pensioner B, who worked a lot in a responsible position for a flat salary of 90,000 rubles, then began receiving a labor pension, worked for some more time and quit. Now his pension is, conditionally, 30,000 rubles. The income of pensioner B is exactly the same as that of pensioner A. But pensioner B can no longer go to any bank. Paradoxically, pensioner A, who works for a low salary, is more preferable to the average bank than non-working pensioner B with the same (or even higher) income. This is despite the fact that pensioner B’s pension will definitely not go anywhere and will only grow (in nominal terms, following inflation). It is unknown whether pensioner A will continue to sell pies tomorrow. Moreover, if pensioner A is fired for poor sales, then no one is stopping pensioner B from coming to his place and receiving a total income of 45,000 rubles a month, while his former colleague now has only 15,000 rubles, and this is a difference of 3 times! However, the banks know better. We can only hope that the borrower quality assessment program takes all these difficulties into account correctly. But working in our country is still better than not working, even if you are a pensioner. Which, in general, is natural.
It is also important to note that small regional banks, such as Pervomaisky Bank, Levoberezhny Bank and many others, were not included in the analysis. They may also have good retirement benefits, so all options need to be considered. In addition, banks affiliated with large structures may also have very good conditions for their employees. Thus, Gazprombank offers favorable rates for gas industry workers. And we should not forget, of course, about your current salary bank - this is important for working pensioners.
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Hello, dear readers of the online magazine “site”! Today we will talk about how and where it is profitable to get a loan for pensioners and which banks give the best loans to non-working pensioners with low interest rates.
After studying the article from beginning to end, you will learn:
- Can pensioners get a loan at a low interest rate?
- How to get a loan for a working or non-working pensioner without guarantors;
- Where can you get an online loan for pensioners without refusal?
Also in the article you will find tips that will help increase the chances of positive decision . At the end of the publication, we traditionally answer the most popular questions within the framework of the topic being studied.
Read about how to get a loan for a pensioner and where the best (profitable) loans for pensioners are issued in this issue
Not everyone understands whether a pensioner can get a loan from a bank. Meanwhile, elderly people need funds no less often, and sometimes even more often.
Before you begin to study the features of lending to pensioners, it is worth understanding what categories of older people are usually identified. This parameter can have a significant impact on the terms of loans issued.
So, citizens can become pensioners for the following reasons:
- upon reaching a certain age - for women 55 years, for men 60 years;
- with a certain length of work experience, that is, for length of service;
- upon the loss of a breadwinner;
- when assigning disability.
However, the inclusion of a citizen in one of these categories does not prohibit him to find a job. Therefore, most pensioners, in addition to payments from the budget, receive wages. Naturally, the presence of a constant income leads to the fact that there are banks that agree to issue them a loan.
It is also of great importance that some citizens become pensioners on a preferential basis . Such persons are much younger, they are far from the maximum lending age established by banks.
Moreover, recently upper limit of borrower age raised several times. First of all, banks do this to attract the maximum number of customers in a highly competitive environment.
For example, consider the age limit in some popular banks:
- Sberbank requires that the borrower at the end of the loan agreement be no more than 75 years;
- IN Sovcombank the maximum age at the time of making the last payment is set at 85 years;
- In terms of lending Post Bank The maximum age of borrowers differs for men ( 75 years) and women ( 80 years).
Many credit organizations treat pensioners as fairly reliable borrowers who have a small but stable income.
However, not every credit institution wants to cooperate with pensioners. Even in those banks that provide loans to older people, not all programs are usually available to such borrowers, but only certain types.
Thus, it is quite possible for pensioners to get a loan. But it is worth understanding that it's not always easy . If any difficulties arise, you can contact us for help. credit brokers.
2. What loans are available for pensioners - an overview of 3 popular types
Pensioners are usually interested in what type of loan can they apply for?. In general, there are no restrictions on the type of loan; anyone can draw up an agreement of the chosen type.
It should be kept in mind that pensioners may be subject to additional restrictions and requirements when receiving any loans compared to other categories of clients.
Let's look at the most popular types of loans that citizens of this category can apply for.
Type 1. Consumer loan for pensioners
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In order to make a positive decision on issuing a loan, many banks require that the borrower meet fairly high and stringent requirements. The most common conditions relate to working age and whether the potential borrower has a job. However, a number of banks offer more favorable lending conditions, according to which. Which banks issue loans to pensioners and under what conditions? We'll talk about this in detail in this article.
Sberbank
The largest bank in Russia, Sberbank, is among the first banks in Russia to provide loans to pensioners. The conditions of this program are as follows:
— 65 or 75 years old at the time of making the last loan payment (the age limit depends on the availability of guarantors).
- regular receipt of any pension payments (disability pension, old age pension, social pension, etc.).
3. Interest rate- depends on the availability of loan collateral:
- under the guarantee of third parties - from 14%;
- without collateral - from 15%.
- from three months to five years. A longer period is established if the pensioner provides collateral or guarantors.
5. Available loan amount— the minimum threshold is set at RUB 15,000, the maximum depends on whether there is collateral:
- 3 million rub. - with the involvement of guarantors;
- 1.5 million rubles. - without collateral.
6. Required documents— to apply for a loan to the bank you need to provide the following documents:
- passport of a citizen of the Russian Federation;
- an extract from the Pension Fund on the availability of payments and their amount;
- pensioner's ID.
— there are no special requirements for a pensioner, the only point is that by providing documents about the presence of other types of income, the borrower can apply for a larger loan amount. Also a positive aspect would be the use of collateral - attracting guarantors, co-borrowers or providing collateral.
Sberbank of Russia is among the first to implement various social programs, including lending to pensioners. However, you should count on receiving a substantial amount only if the pensioner can provide additional security. Pensioners can also count on
Sovcombank
Special lending programs are also available at Sovcombank - you can get a “Pension” and “Pension Express Plus” loan there. The conditions for these programs are as follows:
1. Maximum age of the borrower— 85 years at the time of loan repayment.
2. Income requirements— receiving any type of pension payments.
3. Interest rate- depends on the selected program:
- “Pension” - 29.9%;
- "Pension Express Plus" - 39.9%.
4. Maximum loan term- from one to three years.
5. Available loan amount- up to 200 thousand rubles.
6. Required documents- pension certificate and passport. To apply for a Pension Express Plus loan, all you need is a passport.
7. Additional requirements for the borrower— registration of insurance for clients whose age has already reached or exceeded 75 years.
These lending programs are not too demanding on the age of the borrower, compensating for possible risks with very high interest rates.
Rosselkhozbank
A rather profitable program for lending to pensioners has been developed at Rosselkhozbank. In accordance with it, a citizen can take out a loan under the following conditions:
1. Maximum age of the borrower— 75 years from the date of repayment of the last debt payment.
2. Income requirements— receiving regular pension payments.
3. Interest rate- from 16% per year. The specific figure depends on the period for which the loan is taken, as well as where the borrower receives the pension - from Rosselkhozbank or from another financial institution.
4. Maximum loan term- from one month to 7 years.
5. Available loan amount— from 10 to 500 thousand rubles.
6. Required documents— passport of a citizen of the Russian Federation and pension certificate.
7. Additional requirements for the borrower— registration of life and health insurance for both the policyholder and the co-borrower (if he is involved). In case of refusal of insurance, the interest rate increases by 2−3%.
This program has a fairly low interest rate, but additional costs will have to be incurred when applying for insurance.
Renaissance Credit
Among the banks that issue loans to pensioners is Renaissance Credit Bank. It issues loans to people of retirement age on the following terms:
1. Maximum age of the borrower- no more than 75 years at the time of repayment of the last payment.
2. Income requirements— receiving pension payments.
3. Interest rate- from 21.9%.
4. Maximum loan term- from 3 months to 5 years.
5. Available loan amount— from 10 thousand to 3 million rubles.
6. Required documents— citizen’s passport and pension certificate.
7. Additional requirements for the borrower— registration of insurance, as well as attraction of guarantors or registration of collateral. These requirements are not mandatory, but can significantly affect the profitability of obtaining a loan.
Summer Bank
At Leto Bank you can also get a loan for citizens who have reached retirement age and are unemployed. In addition, this is one of the few banks that provide loans to pensioners under 80 years of age.
1. Maximum age of the borrower- depends on the gender of the borrower:
- for women - no more than 80 years old;
- for men - no older than 75 years;
2. Income requirements- regular receipt of pension payments.
3. Interest rate— from 16.9% per annum.
4. Maximum loan term- from six months to 5 years.
5. Available loan amount— from 20 to 150 thousand rubles.
6. Required documents— passport and pension certificate. For large loans, you may need a certificate of pension amount.
7. Additional requirements for the borrower- none.
A distinctive feature of this bank’s program is the differentiation of the maximum age of the borrower by gender.
Bank of Moscow
Another lender to pensioners is the Bank of Moscow. The conditions for obtaining a loan are as follows:
1. Maximum age of the borrower- 65 years old.
2. Income requirements— receiving any type of pension payment.
3. Interest rate- from 17.9 to 22.9%.
4. Maximum loan term- from 2 months to 5 years.
5. Available loan amount— from 10 to 3,000 thousand rubles.
6. Required documents- pension certificate, passport.
7. Additional requirements for the borrower— registration of a life insurance policy.
It is worth considering that it will be quite difficult for a non-working pensioner to get a large loan - the maximum amount he can count on in this case is 100 thousand rubles. To increase this figure, you need to provide collateral (for example, a car, apartment, house) or attract guarantors (or co-borrowers).
When applying for loans, non-working pensioners should remember the following points:
- You can get such a loan from many banks, but their lending conditions may differ markedly. One of the most profitable is Sberbank - you can get a loan there at the lowest rate.
- A common requirement for all banks is the age limit of the borrower - in most cases, at the time of making the last loan payment, it should not exceed 75 years.
- To obtain a loan, you need to provide a minimum of documents - in most cases, you only need a pension certificate and a passport.
Where they quickly and without certificates give a loan to a pensioner
Today, there are microfinance organizations that can issue profitable microloans with interest rates starting from 0%. If you are a pensioner, you can receive a loan of up to 30,000 rubles on your bank card without leaving your home within half an hour after applying. Here is a list of the best credit institutions:
issues loans to borrowers over 21 years of age. Regular income and bank card. The maximum possible loan amount is RUB 16,000, but it will be available only after successful repayment of the first loan, the maximum amount of which is RUB 5,000. and the minimum is 1,000 rubles. | ||
You can take from 500 to 15,000 rubles. online for up to 30 days. The interest rate on microloans is from 0.63% per day. The loan amount can be increased to RUB 30,000. To receive a loan, you only need a passport and a mobile phone. | ||
Loan term from 5 to 25 days. The interest rate for the first application is 1.9% per day. The amount of a possible online microloan is from 2,000 to 8,000 rubles. Money can be transferred to your bank card or account, using the Contact transfer system or to Yandex.Money. | ||
Daily loan interest from 1.5 to 0.5%. To confirm your registration on the site, you will need a mobile phone. The only documents you will need are a passport. You can receive money to a bank card or account, in cash, electronic money or to your phone balance. | ||
Loan from 1,500 to 7,000 rubles. 7 days of interest-free loan use. In the future, you will need to pay 0.8% of the loan per day. The maximum loan period is 90 days. The system offers to arrange a transfer in cash, to a bank card, QIWI or Yandex.Money. | ||
Microloans from 18 to 80 years old according to your passport. Loan amount - from 500 to 20,000 rubles. for up to 16 days. The interest rate is 2% per day. You can receive a transfer in the following ways: cash, bank card, Webmoney, Qiwi, Eleksnet, etc. | ||
MFOs issue loans to citizens of the Russian Federation from 21 to 70 years old upon proof of income. Possible loan amount is from 5,000 to 70,000 rubles. for a period from 28 to 364 days. Interest rate from 0.35% to 2.5% per day. |