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Post Bank directs its work to all groups of the population. Assistance in fulfilling the desires of the least protected, such as pensioners, is an important direction in the bank's activities. For them, a pension loan has been developed, which has preferential conditions.

Poll: How often do you take out loans as a pensioner? (Number of votes: 66)

I don't get out of loans

It happened a couple of times

I want to take a loan for the first time

I'm not interested in loan offers at all.

How to become a Post Bank client

In order for a pensioner to receive a loan at Post Bank, it is enough to contact the nearest office. Special conditions are available for any Russian pensioners. The preferential tariff provides for reduced tariffs for rates, as well as the possibility of connecting the Guaranteed Rate service, with the possibility of receiving a part of the interest paid in cash.

In order to make the conditions even more favorable, you can arrange for the delivery of a pension to an account at Post Bank. To do this, you need to open a free Mir card at any bank branch and transfer the details of its account to the Pension Fund. After the transfer of the pension for the first time, the Pension tariff with all possible discounts, including for loans, automatically becomes available to the client.

On a note. Any pensioner can apply to Post Bank for a loan and count on a special tariff, but even cheaper interest rates on loans and exemption from paying some commissions are available for bank customers who use the delivery of pensions to their account.

It is easy to become a Post Bank client, especially since its branches are located in almost every post office. In addition, more and more new branches are opening all over the country, which will soon be in every, even the most remote village, if there is a sweat department there.

How to get a loan for a pensioner

In order not to delay the process of obtaining a loan, we advise you to fill out an online application, the decision on which is made by the bank's specialists within 5 minutes. How to do this, we wrote in the article

To apply for a loan for pensioners, you need to contact any bank office, sales counter or customer center.

You need to have with you:

• your passport;
• SNILS number;
• pensioner's ID.

Important. The pension certificate must contain the mark “Pension assigned for old age”, for pensioners of the Ministry of Internal Affairs, the certificate should indicate “Pension assigned for length of service”.

In addition to the availability of documents, a pensioner client must meet the following requirements:

• Russian citizenship and permanent registration on the territory of the country;
• reaching retirement age;
• age at the time of return for women 80 years, for men - 75;
• no delinquency on existing loans;
• mobile phone.

The requirements for the necessary documents are simple and understandable, we can say that they are minimal for the bank's confidence in the repayment of the loan, and it is not difficult for the client to collect the necessary package of documents in order to issue a cash loan for pensioners. Few banks without extra information give a loan at low interest rates.

If a pensioner works, then in order to increase solvency and the possibility of increasing the requested amount, earnings can be taken into account, for this you will need the data of the employer, in particular his TIN. For a loan to non-working pensioners, no additional information is required.

After contacting the bank and sending the application, a decision on it arrives before the end of the working day. You can continue to go about your business, and when the answer is ready, the bank will send an SMS, and the manager will call to discuss the conditions and schedule a visit to the bank to sign the documents.

Conditions for granting a loan for pensioners

Pensioners can apply for a preferential loan in the amount of 20 to 200 thousand rubles. The interest rate will be determined individually for each borrower in accordance with the approved rules of the bank, but, most importantly, depending on whether the pensioner is a recipient of a pension to a bank account or not. Post Bank is ready to make a significant discount for its customers.

Pensioners have access to the popular Guaranteed Rate service, with an excellent opportunity to partially return the interest paid to the bank after the end of the repayment. For pension recipients, the bank is ready to make maintenance of the service free of charge, for other clients a commission will be charged, which will ultimately reduce the amount received back.

For retired borrowers, Post Bank issues financial protection in the form of life and health insurance. Insurance is provided by VTB Insurance, in case of an unforeseen situation, insurance will cover the amount of the underpaid loan. The service is paid, but useful, to protect yourself and loved ones is never superfluous.

Important. For pensioners, life insurance is usually one of the conditions for issuing a loan.

For borrowers of retirement age, the “Change payment date” service is also available, but you cannot use services that allow you to skip a payment or reduce its amount, since when they are activated, the loan term changes upwards, and for many, the end of the loan is calculated before reaching the upper age limit.

Leto Bank is one of the few credit institutions that, when developing loan programs, does not forget about the most vulnerable categories of the population, about pensioners, who, in addition to a small income in the form of a pension, simply do not have additional financial sources.

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The bank offered a separate loan for the elderly (up to 80 years old).

A loan can be obtained for any need: treatment, cosmetic repairs, purchase of new household appliances, a trip, etc. You can apply for a loan at any customer center or outlet.

Terms

In order to use the loan program at Leto Bank, the future borrower must be a retired citizen of the Russian Federation. Such a loan is provided to persons over 40 years of age.

The maximum age of the borrower (at the last payment date) cannot exceed 75 years for men or 80 years for women.

The processing of such a loan takes from one hour to a day. The offer from the bank, in case of a positive decision, is valid for a week.

Funds are transferred to a bank card. Within five days, they must be withdrawn from an ATM or paid in shopping centers, the Internet, etc.

The base interest rate is about 30% per annum, but the borrower can lower it to 16.9% per annum.

To do this, you need to activate the "Superbet" service, the cost of which is 5% of the loan issued, as well as repay the loan issued in a timely manner.

You can get a loan in the amount up to 150,000 rubles, the purpose of obtaining a loan with the bank is not discussed. The credit institution does not require a report.

Loans are issued according to the minimum package of documents: passport, pension certificate and SNILS.

Loan term can be up to 36 months. All conditions are transparent and understandable to borrowers.

Design methods

A pensioner can apply for a loan by contacting the customer center or at the sales desk.

An authorized employee will offer the future borrower to fill out a questionnaire, then enter the data into the program, make a photocopy of the necessary package of documents.

The result of the application will be received within an hour. In some cases, the application is processed in one day.

With a positive result, the money is transferred to the borrower to a bank card, from which they can be cashed out at an ATM or by paying with plastic within five days in shopping and entertainment centers, the Internet, etc.

Do you want to know what is a loan for pensioners and where is the best place to get it? We recommend that you read ours and get acquainted with the best offers.

And if you are looking for an answer to the question - then you should follow the link provided and read the article.

Conditions for loans to pensioners in Leto Bank in 2019

The credit policy proposed by the bank this year proves that the credit institution has decided to simplify the registration procedure, reduce tariffs as much as possible and attract as many new borrowers as possible, including the elderly.

A special, separate program was developed for them.

The table shows the basic conditions, which may vary depending on the documents provided, the selected insurance program, solvency and credit history.

Requirements for borrowers

It will not be difficult for a pensioner to get a loan at Leto Bank, since the registration procedure and requirements for a potential client are minimized.

Clients can apply for this loan:

• citizens of the Russian Federation with registration;
• from 40 to 75 (men), 80 years (women).

An additional condition is the presence of a mobile phone, as well as a work (landline) number, if the pensioner is working.

During the loan application, other requirements may be added, the fulfillment of which will positively affect the decision of the bank.

Package of documents

To obtain a loan, the borrower fills out a questionnaire at the customer center or at the sales desk, after which he provides the authorized employee of the bank with:

• the passport;
• SNILS;
• TIN of the employer (for working pensioners);
• a pension certificate, which can be replaced by a certificate from the Pension Fund, stating that the borrower actually receives a pension.

The Bank may also ask for other documents, the provision of which may affect the decision regarding the provision of a loan and the establishment of lower interest rates.

Maximum and minimum amount

Loans intended for retirees are usually developed with small limits. Leto Bank offers loans for the elderly from 20 000 rubles. The maximum amount does not exceed 150 000 rubles.

The bank transfers the loan amount approved with the borrower to a bank card, from which funds can be withdrawn both at Leto Bank, VTB ATMs (without commission), and at other ATMs (fixed commission - 300 rubles for each operation) within five days.

Interest rates

Leto Bank sets the interest rate for using the loan at 29.9% per annum. However, the borrower is given the opportunity to gradually reduce it during the entire period of lending to 16.9% per annum.

To use this service, it is enough to pay the loan in time and in full, as well as pay for the connection of this service, which is equivalent to 5% of the loan body.

Additionally, for the elderly, the bank offers to connect insurance services to the loan program, which will be able to repay the loan in case of death, injury or hospitalization as a result of an accident, disability:

• "Care" - 0.2%; per month from the body of the loan (charged at a time);
• "Care +" - 0.3% per month of the loan body (charged at a time).

Timing

LetoBank provides loans to pensioners for a period of six months to three years.

If the borrower, for some reason, cannot repay the loan before the date specified in the contract, he can contact the bank and reschedule the period from the 4th to the 28th day of the month.

Moreover, if the borrower does not have enough funds to make a full payment, he can use the service - extending the loan term, which will reduce the amount of the monthly payment and reduce the financial burden on the budget.

Early repayment can be carried out at any time, without penalty for the client. To carry out such an operation, the borrower must notify the bank of his decision in advance, at least one day before payment.

And you can find out under what conditions an educational loan is provided.

Loan repayment

The borrower must repay the loan monthly, in equal installments. The amounts of obligatory payments and terms are specified both in the loan agreement and in the payment schedule.

You can repay the loan without additional fees:

• at bank ATMs;
• at QIWI terminals.

If the above methods are not suitable, the borrower can use other loan repayment options, but with a commission for transferring funds, for example:

• through the payment system: QIWI, Rapida, CyberPlat;
• at VTB 24 ATMs;
• in Eleksnet terminals;
• in Euroset stores;
• through other banking institutions;
• automatic debiting of funds from a bank card.

In case of early or full repayment of the loan, the bank must be notified at least one day before the due date for repayment of the debt. This can be done by contacting the hotline, coming to the department.

Advantages and disadvantages

Having applied for financial assistance to LetoBank, a pensioner will immediately understand the full benefits of such cooperation, because:

• applications are processed instantly;
• the list of documents required for signing a loan agreement is minimal;
• low interest rates;
• with timely payment on the loan, the interest rate is gradually reduced;
• if necessary, the borrower can change the payment date;
• no hidden fees;
• You can apply for loans to pensioners up to 80 years old;
• the amount of the mandatory monthly payment can be reduced by extending the loan term;
• the most transparent lending conditions.

As for the shortcomings, with a competent approach, timely payment of the loan, the borrower will not reveal them.

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

In Post Bank, a loan to pensioners is issued according to specially developed programs. For this category of borrowers, the bank has developed special conditions, the procedure is simplified as much as possible. This allows people with different income levels and needs to apply for a loan.

Lending for pensioners at Post Bank of Russia

Post Bank of Russia issues loans for pensioners both under special programs and under standard bank loans. It is worth noting that Post Bank is one of several banks in the Russian market that does not set age restrictions.

In the terms of consumer lending by Post Bank, regardless of the program, there is no mandatory clause on the maximum allowable age of the borrower at the time of the expiration of the contract.

• Apply for a cash loan for pensioners at the Post Bank of Russia under special programs.
• Take a loan under standard conditions: cash loan First postal, apply for a loan Purchases on credit. And also take advantage of targeted programs if the borrower corresponds to another category, for example, is a participant in the Far Eastern Hectare program (the loan is issued at a reduced interest rate). Or, as an employee of a bank partner company (relevant for working pensioners), get a loan under a special program.
• Take advantage of the offer to refinance loans from other banks.
• Issue a credit card, for example, Postal Express with a relatively small credit limit (maximum 15 thousand rubles) and preferential terms of service.

These are the rules in force in the bank, they open up quite a lot of opportunities for this category of borrowers. Let us consider in more detail special loans for pensioners at the Post Bank of Russia, the conditions for their issuance and service.

How to get a cash loan

So, we have already found out that in addition to standard programs, the bank has special conditions under which you can take a loan.

At Post Bank for a loan to pensioners, an application can be submitted for registration:

• preferential loan (issued to all pensioners on a general basis);
• Preferential special (intended for pensioners who are current customers of the bank).

Terms

According to the terms of lending at the Post Bank of Russia, the interest rate is determined individually.

Loan can be granted:

• in the amount of 20 to 150 thousand rubles;
• for a period of 1 to 3 years;
• issuance fee: depends on the assigned interest rate, from 3.9% to 5.9% of the approved amount;
• repayment: equal monthly installments.
• early repayment (full or partial): allowed, no commissions and special applications.

Interest rate

In Post Bank, for a loan to pensioners, the interest rate is set in the following amounts:

• for a cash loan Preferential: 19.9%, 24.9% or 29.5%;
• for a loan Preferential special: 16.9%, 21.9% or 24.9%.

That is, the main difference between these types of lending is the interest rate, more loyal conditions are offered to existing customers, the final interest rate is determined on an individual basis.

When the Guaranteed Rate option is activated, the interest rate can be reduced to 14.9% for the Preferential Special program and to 16.9% for the Preferential loan.

This option is activated subject to conscientious repayment of the loan during the year and gives the right to revise the established interest rate. The difference is compensated on the day of full repayment by transferring to a special current account. Also, the client can issue an insurance policy to receive compensation in the event of an insured event.

Credit calculator

Making an online application

How to get a cash loan at Post Bank for a pensioner? To do this, it is enough to provide a passport of a citizen of the Russian Federation with permanent registration in any region of the Russian Federation, SNILS and a pension certificate. For working pensioners, you will also need to indicate the TIN of the employer company.

How can I get a loan? An application for a loan to pensioners is made only at a bank branch or a client center; online application is not possible.

The decision is made within an hour or the next business day. The Client is issued a Savings Account, to which a plastic card is attached. It is issued within 7 days after approval, at any time convenient for the borrower.

Loan repayment

The loan issued to pensioners at the Post Bank of Russia is repaid in any convenient way:

• through own ATMs of VTB Group;
• through mobile or internet banking;
• directly on the site in online mode;
• using the Auto Repayment service (connects to a salary card to transfer the required amount to the account in automatic mode).
• using transfers (bank transfers from an account or card, interbank transfers, using transfer systems, for example, Golden Crown, etc.);
• through electronic money systems (for example, Qiwi or Rapida), Elexent payment terminals, etc.

When choosing a repayment, specify the size of the commission and the timing of the receipt of money to the account with the owners of the selected service. For payment without commission and instant crediting, use your own ATMs and other services of the bank itself.

Conclusion

More recently, a special, unique loan for pensioners at Leto Bank has been developed - "Harvest Summer 11.9", which provides access to the use of a decreasing interest rate.

An application for receiving funds under this program is possible in any of the Bank's customer centers or in shopping centers at special sales counters. Access to the program can be obtained by citizens of the Russian Federation, whose age is in the range of 40 - 80 years, if they have a pension certificate.

The loan is provided in the amount of about 50 thousand rubles. for a period of 24 months. In case of its timely payment, the interest rate will decrease every 6 months by 6%. As a result, the rate can be reduced by almost three times to such a unique parameter as: 11.9% per annum.

Product conditions "Harvest Summer 11.9" have been replenished with an updated insurance protection program that covers hospitalization in the hospital, as well as injuries. In addition, there was an increase in the maximum age limit for the possibility of joining the program - up to 82 years, which is considered unique for today's market. This product was developed as a result of cooperation with such permanent partners of the Bank as Cardiff Insurance Company and VTB Insurance Insurance Company. The monthly fee for connecting to the insurance program will be 0.99% or 1.19% of the loan amount, based on the type of insurance coverage chosen by the borrower.

The Bank commented that the development of this product was carried out taking into account the interests of a group of clients with increased needs - pensioners. Their difference from the younger group of clients is that they are accustomed to express concern not only for themselves, but also for their loved ones, and in a way that does not create unnecessary problems.

At present, it is quite difficult to find a lending option for this category of customers, in which the rate is reduced with such frequency and to such an extent. Moreover, the amount of 50 thousand rubles. is quite enough to meet most of the needs of pensioners.

Features of a loan for pensioners available at Leto Bank

The loan amount is 50 thousand rubles.
. The duration of the credit period is 24 months.
. The interest rate is reduced every 6 months with an interval of: 29.9%; 23.9%; 17.9%; 11.9% per annum.
. Rate reduction - in the absence of overdue payments.
. In order to receive funds and pay off monthly payments, a Visa plastic card is provided.
. The loan is most suitable for paying for goods and services - with a Visa card without commission.
. If there is a need for cash, a commission of 3% will be charged, but not less than 300 rubles.
. The possibility of extended insurance coverage is provided.
. Insurance payments are made: in the event of an injury and in case of hospitalization.
. Insurance can be connected and disconnected at any time:
- monthly fee under the "Care" program - 0.99% of the credit limit;
- monthly fee under the "Care Plus" program - 1.19% of the credit limit.
. Maximum age period: 80 years for female clients and 75 years for male clients.
. Loan processing - in customer centers and at special sales counters.

What is required to apply for a loan?

Leto Bank's requirements for borrowers who receive a loan for pensioners:

Passport of the Russian Federation in the presence of permanent registration in any region of the country;
- age limit: 40 - 75 years for male clients and 40 - 80 years for female clients;
- the presence of a mobile phone, an indication of a working phone number (for working clients) or other contact number;
- the presence of a pension certificate marked "Old Age Pension" or a certificate from the Ministry of Defense of the Russian Federation marked "Long Service Pension".

In order to apply for a loan, you must:

Submit an application at customer centers or at special sales counters;
- find out the banking decision on the application during the period: from 1 hour to 1 day;
- get cash in ATM devices or pay for purchases using a plastic card.