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Characteristics of a cash loan for pensioners at VTB 24

VTB 24 Bank, unlike other credit institutions, does not have special programs for pensioners regarding the issuance of a cash loan. But, this does not mean that they will not be able to take a loan from this bank on terms that are loyal to them.

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VTB 24 has loan offers that, according to age requirements, are quite suitable for the elderly. So, what can pensioners who apply to VTB 24 for a loan expect?

Conditions

Due to the fact that VTB 24 does not provide a cash loan for pensioners under the pension program, these clients receive a loan from this institution on a general basis.

It is worth noting that the bank we are talking about has more simplified requirements and conditions for applicants, and the maximum age for applying for a cash loan is 5 years higher than in other financial structures.

Receiving a loan on general terms, pensioners should not count on any benefits and a large amount. Non-working people of retirement age may be denied a loan, as the package of documents provides for the provision of confirmation of monthly income (2-NDFL) or a certificate in the form of a bank certified by the employer.

In addition, the borrower needs to provide the bank with about three phone numbers, among which there should be a landline, work and personal. But you can try to solve this clause of the condition by talking with the bank's management on an individual basis. However, if the monthly pension is below average, then this will not bring results.

A conversation with the general manager of VTB 24 will be positive only if the borrower has personal property, preferably real estate, which he is ready to provide for collateral, or guarantors who are younger and solvent.

Also, the available additional income may affect the favorable outcome, for example, if you are renting an apartment under a contract, be sure to indicate this in your loan application.

Cash loan programs for pensioners at VTB 24

By applying to VTB 24 for a loan, a pensioner can count on an amount of no more than 300 thousand, but in order to receive it, he will need to bring guarantors, offer a pledge, or prove his solvency. The easiest way to get a loan is 50,000.

At VTB 24, a pensioner can apply for a loan under the following programs:

  • "Refinancing".
  • "Kommersant asset".
  • Kommersant Optima.
  • "Kommersant Light"

The receipt of funds under these proposals ranges from 10 to 30 thousand. Business owners, including pensioners, can apply for this loan. In this case, the age of the borrower should not exceed 70 years. Payment for the use of funds will be set individually, but on average it is 17.5-21.5% per year.

In addition to proof of their solvency, in order to receive a loan under these programs, pensioners need to provide:

  • certificate of individual entrepreneur or a document on a share in the business;
  • passport;
  • pensioner's ID;
  • registration in the region where there is a branch of VTB 24;
  • income statement (and others at the request of the bank).

If it is necessary to obtain the maximum loan limit, you will need to provide a document confirming the ownership of the collateral or business

Bank products

A cash loan for pensioners at VTB 24 can also be issued for such available products as:

consumer loan
  • This product is issued under the Cash Loan program. Mandatory requirements for the borrower include: citizenship of the Russian Federation, a positive credit rating, permanent registration, age no more than 70 years and proof of solvency.
  • If the requested amount goes beyond 200 thousand, then a copy of the work book or contract from the current place of work must be attached to the general list of documents. Such an application will be considered for about three working days, and the proposal, after approval, will be valid for another month.
  • The amount provided for by a consumer loan varies from 50 thousand to 3 million. However, upon receipt of the maximum limit, the bank will require you to purchase the Privilege or Priority service package. Personal insurance is made exclusively on a voluntary basis.
  • The time of using the funds depends on the amount taken from the bank. A loan agreement at VTB 24 under this program is concluded for a period of six months to 7 years. The annual fee for using the loan is also set individually (20-27%).
  • You can withdraw money either in cash, on the spot immediately after the final approval by the bank, or on a card. But the transfer to a credit card will have to wait up to three business days.
Credit card Getting a loan for a pensioner on a card is a little more complicated than getting money in cash. This is explained by the fact that the loan on the card is renewable. But when issuing credit cards, VTB 24 does not impose excessive requirements for seniority.

VTB 24 has several types of credit cards most suitable for pensioners. Even unemployed people of retirement age have a chance to get them.

On a classic card, the borrower has access to an amount of up to 450,000, at 24% per annum and card maintenance - 750 rubles. in year. The My Conditions card provides for a similar limit and percentage, but the cost of annual maintenance is 900 rubles. When paying with this card for a purchase in one of the selected categories (pharmacy, gas station, etc.), 3% is returned to the account, for the remaining categories - 0.5%.

You can also apply for a loan at VTB 24 on a bonus card. The benefit of obtaining such a loan is that for every 30 rubles spent in the store, bonuses will be credited to the account, which can later be exchanged for a railway or air ticket.

The limit on bonus cards is the same as under the My Terms program. You will also have to pay 900 rubles a year for servicing the card, and the percentage for using the funds is 24%.

VTB 24 issues cards with credit funds to customers under the age of 68 who have Russian citizenship and a permanent place of registration.

To get a card you need:

  • passport;
  • 2-personal income tax;
  • any second document (pension certificate, STS, etc.);
  • certificate in the form of a banking institution;
  • payroll or pension statement.

In addition, the client must have a positive credit rating with VTB 24 or any other bank.
car loan A similar type of loan at VTB 24 is received by applicants under the age of 65 (until the end of the contract).

The conditions for a car loan are different, they depend on the specific program chosen, which are divided into:

  • "Auto Standard".
  • Autolight.
  • Auto Express.

The rate for "AutoStandard" is 14-17.5% for vehicles from a car dealership and 17-18% for already used (used). The loan amount for the purchase of a car is from 140 thousand to 5 million.

The client is given up to 7 years to repay the debt to the bank. To receive a loan under the AutoStandard program, it is mandatory to confirm the length of service at the last place of work and a certificate of monthly income.

Getting a car loan under the AutoLight program is a little easier. The client is not required to prove the availability of income and other documents regarding solvency.

However, the annual loan fee will be already higher - 15-18.5% for a new car and 17-19.2% for a used car. In addition, the borrower must pay a down payment, which is 20% of the total amount of the desired loan. The limit varies from 250 thousand to 2.8 million. It is required to repay the debt within 7 years.

AutoExpress is easier to issue than other programs, but you need to be prepared for a large overpayment of interest. The rate for using bank money is 22–25%. The first installment is 50% of the loan amount.

The only advantage is that this loan program does not provide for the mandatory execution of CASCO, and the application from the client is considered for no more than an hour.

All loan programs are drawn up on a common basis and differ in the amount of money issued, the maturity of the debt and the percentage for using the bank's funds.

Alternative banks

If a loan is refused by VTB 24, you do not need to be upset. As an option, you can consider proposals for a loan program in other financial structures, where, in addition, it is possible to issue a loan on more loyal terms. Consider the example of several banking institutions.

A pensioner can get a loan at Sberbank for all loan offers: consumer, car, card, etc. In addition, the bank provides special benefits for such customers.

Applicants aged no more than 65 years old can apply for a loan without collateral, and up to 75 years old if there are guarantors. Only pensioners who are bank customers and receive monthly payments through it should count on reduced rates.

Having an account in this institution, each person is served under the program of payroll clients. This means that in order to receive a loan, it will be enough to bring only two personal documents to a bank employee. The rules regarding seniority only affect working pensioners.

It can be taken at a rather low percentage - 14.5–22.5% per annum. For a loan under the offer of a car loan, they calculate from 13.5 to 15%. Mortgage will cost 12.5–13.25%, the maximum term of which is up to 15 years. If you cancel personal insurance, the interest on the loan does not change.

As for credit cards, Sberbank often issues them on its own initiative, having prepared a personal offer for each client. There is no annual service fee for such cards, and the limit reaches 600 thousand. The rate is 18.9%.