Making a profit - is the goal of any credit institution, and therefore, when granting loans, they tend to reduce the minimum possible risks caused by the insolvency of the borrower.
On the basis of risk-downs of payment,there are age restrictions for customers. Banks independently establish this limitation, it usually ranges from 55 to 75 years. When applying for a loan should be clarified in a bank, what exactly is meant by the age limit - the number of years at the time of the loan or at the end of the date. Often retirees provides short-term loans of up to one year.
Unfortunately, in the retirement age beginshealth problem that increases the risk of death. In addition, the elderly pension too small to convince loan officers to issue a loan. All of these factors reduce the chances of getting a loan, but there are several options:
· Sometimes, people who have reached retirement age are still working, so an income statement can confirm the current financial situation of the alleged zaemschika-
· Also, pensioners can receive a loan atthere is a guarantor, which in the case of death or disability of the main borrower could take all of the obligations under the credit for himself. If this is not a co-signer, you have the opportunity to take a secured loan imuschestva-
· Many banks today have special programs for lending to retirees on favorable terms. It is defined responsibility and punctuality of this category of civil
· Increases the chances of getting credit in the presence of high pensions, as this may allow the timely payment of the debt on the loan.