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You will need

• - passport;
• - pensioner's ID;
• - a certificate of 2-NDFL, the amount of pension (certificate on the form of the bank);
• - other documents requested by the bank.

Instructions

1

Today, pensioners can getAny loan presented in the Russian market. Among them, consumer loans, they are even available car loans and mortgages. The main thing is that they manage to meet the payments to the age limit set by the banks. Some banks also offer credit cards, but most pensioners prefer cash. Specificity of lending to pensioners is limited to the amount and timing of the loan.

2

Many Russian pensioners continue to workand after the moment of retirement. This category of citizens is easiest to get a loan, since they can confirm their income. In order to take a loan to a pensioner, it is not necessary to look for special programs directly for this population group. It is worth paying attention to the requirements of banks to borrowers, in particular, the maximum age of the borrower at the time the loan is repaid. So, in the Renaissance loan at the time of receiving the loan, the pensioner should not be older than 65 years, in the Bank of Moscow, the borrower must repay the loan to 70 years. The maximum age for the borrower is set today in Sovcombank (here loans are given to borrowers up to 85 years), Eurokommerz (up to 81 years), Sberbank and Rosselkhozbank (up to 75 years). But some banks do not take into account the age of borrowers. They issue loans with the help of guarantors. In the event of the borrower's death, the entire burden of credit payments will fall on them.

3

If a pensioner has only a pension as aincome, it will be more difficult for him to get a loan. Since not all banks accept certificates of the prescribed amount of pension as proof of income document. But in some there are special credit programs for pensioners. Among them, Sberbank, Sovkombank, Rosselkhozbank, Ak Bars.

4

Maximum loan size for pensionerstoday offers Sberbank (up to 3 million rubles), while others are limited to smaller amounts of lending. For example, in Rosselkhozbank - up to 550 thousand rubles, Sovkombank - up to 250 thousand rubles, Ak-Barca - up to 200 thousand rubles. This amount may be enough to improve housing conditions or purchase a car. As a rule, to obtain large amounts, it is necessary to attract several guarantors and provide collateral.

5

Relatively new product in the Russian marketIs a "reverse mortgage", which allows a pensioner to improve his material well-being by receiving monthly payments for his apartment. This pilot program was developed by AHML.