And preferably at a small percentage?”
From the great multitude financial organizations, in the opinion of analysts, you can choose 7 banks where a pensioner can take out a loan under relatively comfortable conditions. The lending procedure has no fundamental differences. The package of documents is smaller (if this is a non-working pensioner) due to the salary certificate not required.
ATTENTION!
In the table below, we have collected best deals today on loans and borrowings for pensioners.
- If you need a loan, not a microloan, WE RECOMMEND to apply to SOVCOMBANK (first in the table → link on the right"GET A CREDIT" ). In the most favorable conditions for pensioners in 2019.
- If you receive a refusal, try the following on the list - Eastern Express Bank. Interest rate 0.5% lower than at Sovcombank, but the minimum loan amount is 25,000 rubles.
- The third one in our table (not present in all cities of the Russian Federation), offers preferential terms for a loan to pensioners, but is characterized by a high interest rate - 21% per annum.
- If you are refused here, try to take a loan from 9 microfinance organizations that follow the banks. But before that, please read the terms and conditions carefully.
Borrower's age up to 85 years old | ||
 | Age: up to 70 years | |
 | Borrower age: from 55 years for women And from 60 years for men on the date of receipt and up to 75 years on the date of loan repayment | |
 | Borrower's age up to 75 years old. | |
 | Borrower's age up to 75 years old. | |
 | Borrower's age up to 75 years old. | |
 | Age: up to 60 years old. | |
 | Borrower's age up to 75 years old. | |
 | Age up to 65 years old. | |
 | Age: up to 65 years old. | |
 | Age: up to 65 years old. | |
 | Age: up to 70 years old. |
Having studied the information, we select a bank, submit a loan application in person, by phone or on the website, provide the required information, wait for a decision to be made, and if all goes well, we go to the branch of the selected bank at our place of residence.
8 banks providing cash loans to pensioners aged 55 to 85 years.
Bank lending conditions are approximately the same. Programs for pensioners, promotions, bonuses may vary. Having set out to choose the best one, we go around several banks. The advertisement, although not the most unobtrusive, already conveyed everything attractive about potential lenders. All that remains is to clarify, check, accept or reject. It very often happens that we return to a rejected financial institution after a refusal to provide a loan to our chosen one.
7 banks with optimal rates on loans for pensioners
At the moment, many capital banks are trying to financially support older people by providing consumer loans for pensioners at the most favorable conditions.
Which Moscow banks issue loans to pensioners?
Older generation local residents, which sympathizes with Renaissance Credit, can count on almost trouble-free provision of cash loans to pensioners in Moscow at a good interest rate. A quick and convenient registration procedure does not take much time. It is enough for the customer:
- submit a correctly completed online application for a loan in Moscow;
- wait for a positive response from an official representative of the financial institution;
- go to the bank with all the necessary documents in hand;
- receive the desired amount in cash at a bank cash desk, directly on the day of application.
The only drawback of this establishment is the age restriction - client status can be obtained by citizens of the Russian Federation who are not older than 70 years. Therefore, in order to take out a loan for a pensioner in Moscow, you need to take this nuance into account.
Sovcombank freely issues loans for non-working pensioners in Moscow for a period of up to 3 years, and the age threshold has been increased to 85 years. The best solution for those who need a small amount of money and expect to save on annual deductions with a minimum interest rate. This structure shows a loyal attitude towards older clients who are still engaged in labor activity or retired.
Concluding an agreement and receiving a pension loan in Moscow from Sovcombank without delays is real. It is enough to present a passport and pension certificate, and there is no need to provide extra certificates, leave property as collateral, or involve third parties as guarantors.
An attractive, economical offer from Sberbank will allow you to get a loan for pensioners in Moscow in a short time at a fairly loyal interest rate. Experts advise paying attention to the fact that completely repaying long-term loan from Sberbank will have to be by age 65.
Where is it possible to get a loan for a pensioner at a low rate? Which banks do not require a work certificate? We analyzed dozens of proposals credit institutions and in this article we will focus on the most profitable of them.
An elderly person can get cash from many financial institutions - banks, microfinance organizations, credit cooperatives. But in most of these companies either high annual interest, either you need a certificate of income, or a deposit and guarantee are required.
By providing real estate or a car as collateral, it is easy for a pensioner to obtain a loan with an interest rate of 12-15%. If there is no collateral and no work, then getting a loan is more difficult.
What documents are needed for a pensioner to receive a loan?
- Loan application;
- Russian Federation passport with permanent registration in the region of issue;
- Second document (foreign passport, driver's license);
- Help from pension fund;
- If there is additional income, confirm it (for example, salary, interest on a deposit, income from renting out real estate, etc.);
- Life and health insurance. Insurance must be obtained from a company accredited by the bank.
- If a pledge is provided, proof of ownership of the pledged object.
In addition to documents, you need to pay attention to the lender’s requirements for the borrower’s age. Because the average duration life in Russia is low (for men 66.5 years, for women - 77), banks have a maximum age at the time of debt repayment. It differs in different organizations. In some places it reaches 85 years.
Stages of obtaining a loan for a pensioner
When applying for a loan, a person of retirement age goes through the same stages as anyone else.
- Selecting a credit institution.
- Filling out the application. In most banks you can leave an application on the website.
- Waiting for a preliminary response (usually takes from 1 hour to several business days).
- Preparation and provision of requested documents.
- Verification of documents by the bank (takes from a few minutes to 3 days).
- Signing a loan agreement.
- Issuance of money at the cash desk or receipt of funds in the borrower's bank account.
Which banks offer cheaper loans to pensioners?
Analyzing the offers of almost 200 banks where you can get a loan for an elderly person, you can highlight the 10 most profitable and easy to apply for.
"Pension Plus" at Sovcombank
The loan is issued to pensioners who will be under 85 years of age at the time of repayment. If there is no income other than a pension, then you can only count on 200 thousand rubles. A working person can receive up to 300 thousand rubles. The interest rate is 11.9% for bank clients and 5% more for others. The loan term is up to 3 years.
Pension loan from Ural Bank
The Ural Bank for Reconstruction and Development (UbRR) offers loans to older people up to 600 thousand rubles at a rate of 14.9-35% per annum (set individually). The maximum age of the borrower is 75 years. To submit an application, you only need a passport, and the decision is made within 15 minutes.
Renaissance Credit "Pensioners"
At Renaissance you can get a loan of up to 200 thousand rubles at 11.3% per annum. Approval can be obtained in 10 minutes, and the borrower will need a passport, a second document, a pension certificate, a driver’s license (if available), an insurance policy and a Taxpayer Identification Number (TIN). The maximum age of the borrower at the time of debt repayment is 70 years.
“Credit for pensioners” at Pochta Bank
The organization offers to borrow money at 12.9% with a commission of up to 7%, or 16.9-20.9% with a commission of 1%. Maximum amount- 200 thousand rubles, and the loan term is up to 36 months. The application can only be submitted at bank branches.
11.5% in Sberbank
Cash loan in largest bank countries can be obtained up to 75 years of age (65 without guarantors), at 11.5% if you are a bank client. The maximum amount is calculated individually and depends on the availability of collateral or guarantors.
"Credit Pension" in Rosselkhozbank
An advantageous offer from Rosselkhozbank - loans up to 500 thousand rubles at 11.5% per annum for clients of the organization and from 12.5% for other citizens. No fees or deposit. The review period is about 5 working days.
"Pension" in Interprombank
Moscow Interprombank offers pensioners up to 1 million rubles at 12% without insurance or issuance fees. The maximum age of the client should not exceed 75 years. The main condition of the bank is that the borrower has permanent registration in Moscow or the Moscow region.
Consumer loan Pension at Vostochny Bank
IN " Eastern Bank» there is a fixed rate for clients of retirement age - from 22.7 to 39%. Amount - up to 99,999 rubles, age - up to 76 years. The advantage of this offer is approval within 5 minutes and no need to submit additional documents. A passport is enough to receive money. Loan term - up to 3 years.
Summary table of bank loans with the lowest interest rates
| № | Bank's name | Maximum amount, rubles | Minimum interest rate | Peculiarities |
|---|---|---|---|---|
| 1 | Sovcombank | 300 000 | 11,9% | Age up to 85 years; from 12 to 36 months |
| 2 | Ural Bank | 600 000 | 14,9% | Age - up to 75 years. Solution - 15 minutes |
| 3 | Renaissance Credit | 200 000 | 11,3% | Loan term from 24 to 60 months. Age - up to 70 years. |
| 4 | Post Bank | 200 000 | 12,9% | Commission of the bank. No online registration. |
| 5 | Sberbank | 3 000 000 | 11,5% | Age - up to 75 years. A guarantor is required. |
| 6 | Rosselkhozbank | 500 000 | 11,5% | Age - up to 75 years. No commissions or guarantors. |
| 7 | Interprombank | 1 000 000 | 12% | No insurance or commissions. Age - up to 75 years. Registration - Moscow, Moscow Region |
| 8 | Eastern Bank | 99 999 | 22,7% | Fast approval without a pension certificate. |
In addition to banks, non-working pensioners can get a loan in a credit cooperative or microfinance organization (MFO). In the first case, you need to be a permanent member of such an association, in the second, you can get small money quickly, but at a high interest rate.
In addition to the banking offers described in the article, financial market you can find dozens of others. However, today such loans do not have favorable conditions for pensioners.
Where is the best place to get a profitable cash loan for pensioners? This question arises quite often, because any person, regardless of his age, may urgently need additional financial resources. Many people believe that getting a loan after retirement is unrealistic.
However, there are a number of banks where you can get a loan for a pensioner. For older people they have specially designed credit programs. As a rule, within the framework of such programs, loans are issued for any needs (that is, the bank is not interested in what exactly the client will spend the funds on), repayment terms usually do not exceed five years.
Stages of obtaining a loan for pensioners
Lending to pensioners has no fundamental differences from the standard procedure. The only unique feature is that there is no need to collect a huge package of documents. It includes the following steps:
- Selecting a financial institution.
- Filling out an application. In many banks you can leave an application on the bank’s website.
- Waiting for a response (usually takes from one hour to several days).
- Preparation and provision of a package of documents.
- The package of documents is checked by the bank (an organization can spend from 15 minutes to several days on this procedure).
- Signing the contract and related documents.
- Issue financial resources for use by the borrower.
A number of banks are developing programs under which they issue consumer loan for retired citizens. At the same time, older people are offered more loyal compared to normal conditions lending. At the same time, of course, banks are very enthusiastic about working pensioners, as well as citizens with a good credit history (the absence of it, as well as the presence of negative data in it, may give the organization a reason to think about approving the application).
TOP 7 banks of 2019 for a loan to a pensioner
Which banks give loans to pensioners? If such a question arises, it is worth paying close attention to seven financial organizations. They offer loans to older people at a low interest rate, which requires a minimum of documents. Below are the banks where you can get a loan for a pensioner, and you can leave an application online without leaving your home. We recommend filling out the application online and get a solution in a few minutes.
The most profitable cash loan for pensioners at Sovcombank
Sovcombank offers pensioners to receive money on credit under several programs. There are two tariffs within the “Pension” plan:
- Credit "Pension +". Under this program, funds can be received for a period of 12 to 36 months. A non-working pensioner can count on an amount not exceeding 200 thousand rubles, while a bank can offer a loan of up to 299,999 rubles to a working senior citizen. The interest rate starts from 12.9%.
- “Pension Express +” loan is a program under which you can get a cash loan for small amounts(up to 29,999 rubles) with a short loan term (from six to eighteen months), while the loan rate will be from 13.9% per annum.
You can also borrow money using a standard loan program. Here the rate is more favorable and is 12% per annum.
Sovcombank provides loans to citizens whose maximum age at the date of the final payment does not exceed 85 years.
Preferential loans for pensioners under 75 years of age from Interprombank (Moscow and Moscow region)
At the Moscow Interprombank, pensioners living in Moscow and the Moscow region can receive a profitable pension loan of up to 1 million rubles at a low interest rate. You can choose the loan term yourself from 6 months to 3 years. This will allow you to choose a comfortable payment for yourself that you can easily pay from your pension.
Another advantage of a preferential pension loan is that it is issued without any insurance or commissions.
Consumer loan in cash to pensioners from the Ural Bank of Reconstruction and Development
You can also get a loan for a pensioner by contacting a branch of the large Ural Bank “UBRiR” (Ural Bank for Reconstruction and Development). Despite the fact that the bank was founded in Yekaterinburg, the bank currently has hundreds of branches throughout Russia, including major cities from Moscow to Vladivostok.
Here you can get borrowed funds in the amount of 20 thousand rubles to 600 thousand rubles, with the repayment period varying from one year to seven years. The interest rate on the loan is set individually and starts at 15% per annum. This organization limits the age of potential borrowers to 75 years.
Cash loan for non-working pensioners at Renaissance Credit
It happens that you urgently need money. Citizens whose age has not reached 70 years (in all cases, this means the age at the time of final repayment of the loan), can choose the Renaissance Credit organization as a lender, which offers them special program called "Pensioners". Here you can borrow up to 200 thousand rubles for a period of 1 to 5 years. The average interest rate, which can range from 11.9% to 26.9%, makes this program quite attractive.
Online loan for a pensioner without guarantors from Tinkoff Bank
Also, a pensioner who has an urgent need for money can pay attention to the offer “ Tinkoff Bank" An online application for a cash loan from this credit institution allows you to receive up to half a million rubles, and payments can be made within 3 to 36 months.
Tinkoff usually lends to its clients without requirements for collecting certificates and without guarantors. At the same time, registration is very convenient - anyone can submit an application via the Internet. At the same time, you can save time and effort without going to the office. There is also no need to sit in long lines. If desired debit card The money will be delivered to the pensioner straight home.
Lending to pensioners without collateral and guarantors up to 750 thousand in OTP Bank
When describing banks that provide loans to pensioners without guarantors or collateral, one cannot ignore OTP Bank. It also lends to older people, offering them special loan programs. Here, a pensioner can be provided with an amount of up to 1 million rubles for a period of 1 to 5 years. The interest rate of 11.5% makes this loan one of the cheapest options considered.
Favorable loan terms for seniors at Pochta Bank
Pochta Bank also does not refuse to see retired citizens as its borrowers. It also applies to companies where it is more profitable for a pensioner to take out a loan. This organization was created quite recently - in 2016, but has already managed to develop and offer pensioners a loan product called “Preferential”.
Men under 75 years of age, as well as women - for them the maximum age is limited to 80 years - can receive a loan on favorable terms at the Post Bank branch. The maximum amount that can be borrowed from this bank does not exceed 150,000 rubles, and loan terms vary from 12 to 36 months. Interest rates start at 14.9% and can go up to 29.6%.
Loan to pensioners from Rosselkhozbank on favorable terms
Perhaps one of the most loyal conditions among the programs under consideration is offered by Rosselkhozbank. Here they offer loans against low rate, which does not exceed 19% per annum. Moreover, if a client receives a pension on the card of this organization, then he can expect to receive money at a rate of up to 15.5%. For such a reward, the bank offers amounts of up to half a million rubles, and the repayment period is limited to seven years. Pensioners no older than 75 years can count on such a loan.
Basic requirements for pensioners
To almost all of its borrowers best banks For a loan, a pensioner is presented with a standard list of requirements. In the case of pensioners, there will also be no fundamental differences.
When applying to any bank, you will need to have citizenship and registration. The bank's decision will also be influenced credit history. In the case of older people, you should pay attention to the age limit - it can vary greatly among different financial institutions. For example, some banks may refuse to apply for a loan to a citizen whose age has exceeded 65 years, but somewhere they will be happy to apply for a loan to an eighty-year-old pensioner.
When looking for options for where to get a loan for a pensioner, you should remember that there is one difference from traditional schemes. The only additional requirement that banks sometimes (but not always) impose on their elderly borrowers is that in addition to a passport and TIN, they may need to provide a certificate from the Pension Fund or a pension certificate. As a rule, there are no problems with these documents.
Thus, contrary to popular belief, it is quite possible to take out a loan for a non-working pensioner, as well as for someone who continues to work, in our country. The main thing is to choose a suitable credit institution.
Before issuing a loan to a borrower, any lending institution checks its financial solvency. Citizens who have reached retirement age cannot be called such. At least for banks.
What to do if you urgently need money? Which bank is more profitable to take? Let's consider several financial organizations that will lend money to people of retirement age.
How to get a loan for seniors?
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 much chance of obtaining a profitable loan for pensioners. Citizens in this group have no other financial contributions other than pensions. And they cannot provide any type of property (movable or immovable) for collateral. They also do not have guarantors who could help them obtain 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 obtain a profitable loan for pensioners, participants in the second group must have any type of property (movable or immovable) to provide it as collateral. IN in this case the amount that the bank can lend increases significantly. To confirm your pension, you will also need to provide a certificate from the pension fund about the amount of monthly payments.
Participants in the third group can count on the most favorable loan for pensioners. We are talking about those who are ready to document their earnings. Required condition: the loan received must be repaid before reaching the age of 75.
Why do banks refuse loans to older people?
The main reason why banks do not want 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 any elderly person can provide expensive property as collateral or bring guarantors who meet the bank’s conditions.
Which banks cooperate with pensioners?
Of course, it cannot be said that older people are completely unable to take out a bank loan. There are about 200 financial institutions that are ready to issue loans to pensioners. You can also take out a loan from a consumer credit cooperative (CPC), or from a microfinance organization (MFO). True, in the last financial institution the annual percentage can be simply huge and reach 700%.
Let's look at banks that lend money to older people at reasonable rates, and also find out whether it is possible to get a profitable loan for pensioners from Sberbank.
Sberbank
This bank can offer its future pensioner borrowers the most favorable credit products, whose interest rates are varied. The height of the annual loan fee depends on the term for which cash, as well as on the amount of collateral. The documents required to obtain a favorable loan for pensioners are standard. This is an identity card and a pension card.
To obtain a mortgage from 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, the interest rate will be 15% per annum. If there is no property suitable for collateral, the rate may be increased by 10-12 points. The amount given to the pensioner will be calculated individually for each case. In some situations, the loan can reach 100,000 rubles.
Documents other than a pension card and an identity passport may require an agreement personal insurance borrower. This is one of the banks where the most profitable loans for pensioners.
Sovcombank
This bank is focused on working with borrowers who have limited financial opportunities. These include medical and educational workers. Sovcombank also provides loans 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 pensioner borrower ranges from 30,000 to 200,000 rubles, and the annual interest will be 26-30%. The final amount that a pensioner will receive depends on his ability to fulfill his financial obligations.
Borrowers who can apply to this bank must not be over 84 years of age. And perhaps there will also be a need for registration individual contract insurance. Sovcombank is one of the most acceptable banks for retirees.
PDA
Consumer credit cooperatives, unlike banks, prefer to work with pensioners, considering them the most responsible borrowers. Pensioners take a more thoughtful approach to choosing a loan.
Almost every CCP has a pension program for older people, the terms of which are sometimes more favorable than for ordinary clients. The interest rate is preferential and often lower than for working borrowers. It is possible to borrow up to 10,000 rubles without resorting to a guarantee. But if the borrower wants to increase the amount, a guarantee will be required. Pensioners or family members of the borrower can act as guarantors. He himself, having a loan from the CCP, can act as a guarantor.
There is no need to provide a certificate from the pension fund about the amount of payments; it will be enough to show 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 early. In this case, you will not have to pay a fine.
Every pensioner must join the CCP and pay the entry 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 easier terms of cooperation.
Through such programs, lending institutions show their retired borrowers that retirement does not mean life is over. And that even with a small pension, you can afford a large purchase.
Each elderly borrower needs to decide for himself which loan is the most profitable for pensioners. They must choose which institution is best to contact: a bank, a CCP or another credit institution.