Banks are very reluctant to lend to retirees. But, nevertheless, such credit programs are found. Banks that are loyal to pensioners are based on the fact that they are a group of the population with good financial discipline.
It is necessary
- - passport;
- - certificate of the amount of the assigned pension;
- - pensioner's ID;
- - documents on the subject of pledge;
- - documents of guarantors.
Instructions
Step 1
Requirements for documentary support of an application for a loan for a pensioner depends on the bank. The standard package of documents that is required for a pensioner are a passport, a certificate of the amount of pension (bank statement), a pension certificate, and an application form for a loan. Most pensioners today receive a pension at Sberbank, so if he applies for a loan from this bank, a certificate is not needed. The bank already has access to all financial receipts to your account.
Step 2
If a pensioner continues to work officially, it will be much easier for him to get a loan. It will be enough to confirm your income with a 2-NDFL certificate. In general, the procedure for obtaining such a loan will be no different from a loan for younger citizens. However, in any case, banks limit the maximum age of the borrower at the time of loan repayment. Some banks set the threshold at 60 years, others at 75 years. Therefore, pensioners do not have to apply for long-term loans with large amounts. Only if they can attract guarantors, who, in the event of their death, will be fully responsible for repaying the loan.
Step 3
If a pensioner does not work anywhere, has no additional income and lives on one pension, it will be almost impossible to receive a large loan. He can count on a classic consumer loan for up to 5 years (depending on age). The maximum loan amount will be based on the provided certificate of the amount of the pension and cannot be more than five times its size.
Step 4
It is another matter if the pensioner owns liquid collateral. In this case, he must provide documents that confirm his ownership of the subject of the pledge, state registration of property rights, an extract from the Unified State Register, cadastral passport, etc. The pledge can be real estate, shares, land, garage, etc.
Step 5
Often, loans to pensioners are given only if there is a guarantor. The guarantor bears all responsibility for non-payment of the loan and must provide the bank with proof of his solvency. He will need a guarantor's questionnaire, documents proving his identity and a certificate of income, documents confirming his employment.
