Sberbank: how to make a card for a pensioner?

Many pensioners are clients of various banks. But few banks provide a happy opportunity for people of retirement age to take out a loan, because this category of clients is at risk (non-return of borrowed funds). Sberbank, giving a pension loan, provides elderly citizens with a loan while other banks deny them this because of their old age.

Sberbank: how to make a card for a pensioner

For registration of this type of loan, it is necessary to provide the bank employee with a passport, TIN, and a certificate of the amount of pension accrued. The decision period usually does not exceed two days. In the event that a pensioner receives a pension through the Savings Bank, then from the documents he will need to provide only a passport, and the decision-making time will be reduced to two hours. If pension contributions are accrued by another bank, then you can issue a Visa card . Sberbank often draws it without an agreement, but it gives an opportunity to enjoy the benefits of this institution. In fact, many of the bank's programs take into account customer loyalty. Therefore, for borrowers, investors and other people using the services of Sberbank, there are bonus programs, promotions and so on.

Sberbank: how to draw a card and what are the conditions

The terms Sberbank proposes for obtaining a loan are quite justified and logical. Firstly, the age of a person taking a loan under this program should reach the statutory retirement age. That is, women are entitled to use this credit program from 55 years and men from 65 years. Secondly, at the end of the loan period the borrower's age should not exceed 75 years. The loan amount can be different, it depends on the documents provided. That is, if a pensioner is unable to provide a pledge for the return of bank funds, the loan amount will be from 15,000 rubles to 45,000 rubles, and the payment term will be up to 3 years. If the pledge can be granted, the amount and term will be increased accordingly. The subject of collateral can be both real estate and car, and precious metals or securities.

Sberbank: how to make a card for a pensioner (details)

Interest rates will depend on the conditions for securing 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, then he can increase the credit limit by providing the necessary documents. For a working pensioner, this is usually a certificate of income from the job. For the unemployed, it is the consent of his wife to become a co-borrower. In this case, the indicator of the borrower's solvency will be the wife's pension. What is noteworthy is that the co-borrower may be another person. For example, a son or a daughter. In principle, children of elderly people can learn more about all programs in more detail, having studied information on the topic: "Sberbank: how to draw a card for a pensioner."

From the above, we can conclude that the loan conditions in the Savings Bank are more loyal to borrowers of retirement age than in other commercial structures. Therefore, in the event that money is needed very urgently, it is worthwhile to issue a credit card of Sberbank, than to risk, trying to do it in other not so positively-minded institutions.