Under what conditions can pensioners get a loan from banks: VTB, OTP Bank, Alfa-Bank, etc.

The logical end of the length of service of every capable citizen is the right to retire for a well-deserved rest.

The amount of pension payments is formed on the basis of several factors, including, among other things, the length of service, the level of wages, and the amounts withheld from it sent to the Russian Pension Fund.

Having stopped working, a citizen loses the main source of income - salary, while the expenses for daily needs remain the same.

No one canceled the likelihood of situations when a certain amount of money is urgently needed.

Credit for pensioners

If it so happened that relatives or friends are not able to provide financial support, then the only way out is to apply for a loan.

It is an erroneous opinion that banking organizations are reluctant to cooperate with pensioners.

Of course, obtaining a mortgage for a long period is an almost impossible task, except that an interest-bearing loan will be provided for a period of up to 1 year, subject to payment of 60% of the cost of housing.

This article will focus on the proposals of banks for loans for non-targeted needs for citizens who have reached an honorable age.

VTB

VTB Bank is ready to provide a loan to pensioners on the following terms:

• currency - Russian ruble;
• amount limits - from 100 thousand rubles. up to 5 million rubles;
• fixed interest rate for the entire term of the agreement - 14.5% -23% per annum;
• money is provided for a maximum period of up to 5 years;
• as a document evidencing the solvency of the client, there may be a certificate in the form of a bank or an extract from the Pension Fund of the Russian Federation on the accrued pension amounts;
• availability of registration at the place of business of the bank;
• work experience - from 1 year.

Each application is considered individually, so additional documents may be requested.

Sovcombank

A working pensioner who has not reached the age of 85 at the time of applying, with at least 4 months of work experience at the last place of work, can become a client of the bank.

A potential borrower must have a permanent registration in the territory of the settlement for at least 4 months.

An additional requirement is to live no more than 70 kilometers from the nearest office of a financial institution.

A feature of cooperation with the bank is the possibility of lowering the interest rate. For this you need:

• activate the “Minimum Rate Guarantee” service – the interest rate is reduced to 11.9% per annum;
• transfer your pension or salary to the bank - a reduction in the interest rate by 5 points.

When contacting a financial institution, tell the employee about the intention to receive money under the Pension Plus program.

OTP bank

OTP Bank offers to take a loan to a pensioner on a general basis, as well as to other categories of individuals.

There are 2 ways to draw up a contract at the client's choice:

• personally visit a branch of a financial institution;
• submit an electronic application through the official website.

The second method is more convenient and preferred by most customers.

A loan to pensioners of OTP Bank is provided on the following terms:

• maximum amount - up to 4 million rubles;
• interest rate - from 10.5% to 14.5% per annum;
• the maximum term is up to 7 years.

From the documents you will need a passport and official confirmation of the level of income.

Alfa Bank

Alfa Bank offers a loan to pensioners on the following terms:

• % rate - from 11.99% to 19.49% per annum;
• the maximum amount is 5 million rubles. up to 60 months;
• the presence or absence of an insurance contract does not affect the% rate;
• there are no hidden or additional fees.

To obtain approval for the application, it is not necessary to provide additional security in the form of collateral or guarantors.

Loco bank

Loco Bank offers a loan to pensioners under 2 programs on the following terms:

1. On the security of transport - an interest rate of 10.4% per annum for up to 7 years. The amount varies from 300 thousand rubles. up to 5 million rubles
2. Cash - 13.4% per annum for up to 7 years in the amount of 100 thousand rubles. up to 3 million rubles

Money is issued to clients who have citizenship and have reached the age of 60.

SKB bank

SKB Bank issues loans to pensioners on the terms stipulated by the program “For everything about everything.

To receive funds, you must provide:

• passport of a citizen of the Russian Federation;
• additional identity document;
• certificate from the FIU on the amount of payments.

Pensioners can count on an amount from 51 thousand rubles to 1.3 million rubles.

Home Credit

A loan to pensioners in Home Credit Bank is issued on the following terms.