Car loan in Sberbank for pensioners

Sberbank of Russia offers pensioners the opportunity to get a loan for a car; moreover, Sberbank was the first to start providing such a service.

Loan conditions are very attractive and this forces many people who have not yet retired to apply for a loan not in their own name, but in the name of their elderly parents.

On the pages of the Vodi.su portal, we have already written about car loans from Sberbank, in this article we will try to talk about car loans for pensioners - conditions, interest rates, necessary documents.

Terms of a car loan for pensioners from Sberbank

Any solvent person can purchase a car with a bank loan. Sberbank offers a special program for pensioners. It is worth noting that the size of pensions in Russia still does not reach the European level; accordingly, pensioners are suspicious of any loans.

In the event that the amount of the pension is not enough to obtain a positive decision, the bank offers to attract guarantors or co-borrowers - children, spouse, next of kin.

A positive decision will be made if the guarantors or co-borrowers give their consent.

The bank also takes into account the fact that many pensioners are clients of Sberbank, receiving pensions on bank cards. Many pensioners here also have big savings. All such customers will be provided with significant benefits.

So, let's move on to the conditions.

Loan with guarantee

If there is someone to vouch for a pensioner, then he can get a loan without problems.

The loan term is up to sixty months. At the time of redemption The age of the pensioner must not exceed 75 years. The minimum amount is 15 thousand, the maximum is three million. If the pension is too low, then the pensioner can attract co-borrowers and their income level will also be taken into account.

The interest rate for a loan with a guarantee is from 14 percent per annum.

Loan without guarantee

If there is no one to vouch for the pensioner, then the probability of refusal is high.

The age of the pensioner must not exceed 65 years at the time of repayment. The maximum amount is one and a half million rubles, the interest rate is from 15 percent. It is possible to attract co-borrowers.

It is necessary to focus on the fact that regardless of the presence or absence of guarantors, a positive decision largely depends on whether the borrower is a bank client. If it is, then it may take as little as 2 hours to make a decision. Otherwise, two days.

The pensioner's credit history is also taken into account - exemplary borrowers who have not had delays in payments have more chances.

Pay attention also to the fact that the conditions described above apply to consumer lending, that is, this program allows you to receive money directly to your bank account and spend it at your discretion, including for buying a car.

When you receive a loan under this program, you get a number of benefits:

• it is not necessary to issue CASCO;
• You can issue OSAGO in any company, and not only in those insurance companies that are partners of the bank;
• for pensioners, interest rates on loans are much lower than for working citizens;
• You don't have to pay an initial fee.

That is why many young people take out loans for their parents, while driving a car themselves - this is in no way against the law. In addition, it is much easier for a pensioner to confirm their income - just take a certificate from the Pension Fund.

If we talk about the standard car loan program from Sberbank, which we already wrote about earlier on the pages of the Vodi.su portal, then it is also available for pensioners, but with some additional conditions:

• the maximum age is 75 years at the time of redemption, if there is proof of income;
• Max. age - 65 years, if there is no certificate of income or from the Pension Fund.

The interest rate for pensioners is the same as for everyone else - from 13 percent. The down payment is 15% of the cost.

It also requires registration of CASCO, and sometimes the acquisition of a VHI policy, which will cost more for a pensioner than for a younger person.

That is, no matter how you twist it, but a consumer loan is a much more profitable option, in this case.

Loan processing - documents

In the case of a consumer loan, only a passport is required from a pensioner. A certificate of receipt of a pension is needed only if he is not a bank client. Then you just need to fill out a form and wait for a decision.

In the case of a car loan, you need a complete set of documents: an application, a sales contract with a mark of paying at least 15% of the cost, CMTPL and CASCO policies, a copy of the title, a copy of documents confirming the payment of the cost of the CASCO policy (although CASCO can also be included in the loan ).

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