Many pensioners are clients of various banks. But few banks provide a happy opportunity for people of retirement age to take a loan, because this category of clients is at risk (non-return of borrowed funds). Sberbank, giving a pension loan, provides senior citizens with a loan while other banks refuse to do so because of their old age.
Sberbank: how to apply for a card for a pensioner
To obtain this type of loan, you must provide the bank employee with a passport, TIN and a certificate of the amount of the accrued pension. The time period for making a decision usually does not exceed two days. In the event that a pensioner receives a pension through Sberbank, then from the documents he will need to provide only a passport, and the decision will be reduced to two hours. If pension deductions are charged by another bank, then you can apply for a Visa card . Sberbank often draws it up without a contract, but it makes it possible to use the benefits of this institution. In fact, many bank programs take into account customer loyalty. Therefore, for borrowers, depositors and other people who use the services of Sberbank, there are bonus programs, promotions and more.
Sberbank: how to apply for a card and what are the conditions
The conditions put forward by Sberbank to obtain a loan are quite justified and logical. Firstly, the age of a person taking a loan under such a program must reach the statutory rate for retirement. That is, women from 55 years old and men from 65 years old have the right to use this credit program. Secondly, at the end of the loan period, the age of the borrower should not exceed 75 years. The loan amount may be different, it depends on the documents provided. That is, if a pensioner fails to provide a pledge for the return of bank funds, then the loan amount will be from 15 thousand rubles to 45 thousand rubles, and the payment period is up to 3 years. If a pledge can be provided, then the amount and term will increase accordingly. The subject of a pledge may be both real estate and a car, as well as precious metals or securities.
Sberbank: how to apply for a pensioner card (details)
Interest rates will depend on the conditions of the loan and its duration. Usually they vary between 15% -21% per annum.
If the amount proposed by the bank does not suit the pensioner, he can increase the credit limit by providing the necessary documents. For a working pensioner, this is usually a certificate of income from the place of work. For the unemployed - this is the consent of his wife to become a co-borrower. In this case, the spouse's pension will serve as an indicator of the borrower's solvency. What is noteworthy is that the co-borrower may be another person. For example, a son or daughter. In principle, children of the elderly can learn more about all the programs by studying the information on the topic: "Sberbank: how to apply for a card for a pensioner."
From the foregoing, we can conclude that the terms of the loan in Sberbank are more loyal to borrowers of retirement age than in other commercial structures. Therefore, if funds are needed very urgently, then you should get a Sberbank credit card than take the risk of trying to do this in other not so positive institutions.