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Как получить займ пенсионерам
Материальная поддержка нужна не только молодым. МФО по всей России охотно предоставляют микрозаймы, в том числе и людям пенсионного возраста (70-85 лет и старше), ведь эта группа населения отличается ответственностью в вопросах финансов. В связи с тем, что микрозаймы имеют короткий период погашения, верхний возрастной предел не устанавливается.
Куда обратиться за займом пенсионеру
Где можно занять деньги:
у родных или знакомых;
обратиться за кредитом в банк;
оформить микрозайм в МФО.
К сожалению, госбанки лишь в редких случаях одобряют займы пенсионерам, ведь их доходы зачастую не дотягивают до требуемого в госучреждениях уровня. А кредитовать людей на небольшие суммы для банков часто просто невыгодно.
Дополнительным препятствием для оформления займа людям пенсионного возраста является высокий риск их жизни и здоровья. А это существенно повышает вероятность того, что кредит не будет погашен, и соответственно снижает шансы на его выдачу.
Отличной заменой кредитам от госбанков являются микрозаймы, предоставляемые микрофинансовыми организациями.
Если условия [url=https://xn—-8sbgsdjqfso.site/]займы на карту[/url] обусловлены конкретными обстоятельствами и личной договорённостью с человеком, микрозаймы в финансовых учреждениях имеют ряд общих особенностей:
Компании предоставляют займы пенсионерам при наличии пенсионного удостоверения и без длительных процедур проверки.
Займы для пенсионеров выдаются на срок не более 1-2 месяцев, а полная сумма может быть погашена с 1-2 пенсий.
Даже при том, что процентная ставка по микрозаймам МФО во много раз превышает банковскую, общая переплата даже ниже, чем по кредитам в банках.
Также важный плюс микрофинансовых компаний это возможность взять займ даже пенсионерам, имеющим просрочки по предыдущим займам и кредитам.
Условия займов пенсионерам
Во многих городах России МФО выдают микрозаймы пенсионерам в возрасте до 75 лет. Из-за риска сохранности здоровья и жизни, в таких случаях организации обычно рекомендуют воспользоваться дополнительными программами страхования. Это не только повысит вероятность одобрения банком вашего кредита, но и позволит вам получить более привлекательные условия.
Прежде всего пенсионеру необходимо предъявить пенсионное удостоверение или справку из Пенсионного Фонда России для того, чтобы подтвердить наличие стабильного дохода.
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