Are you retired and want to enjoy new furniture or a luxury holiday? Almost all banking and non-banking companies offer loans to pensioners.
These loans are only age-limited (usually between 65 and 75 years are borders). You can borrow in a bank or non-bank sector. There are many products for pensioners – consumer loans, overdrafts, credit cards, revolving loans, but also loan consolidation or refinancing, or hire-purchase or car leasing. Loans for pensioners are provided against proof of pension assessment, valid OP and account statement. If you apply for a loan at a bank, you may not have a record in the registry or any execution. Loans for pensioners can be borrowed from 500 CZK to 1,000,000 (eg Mortgage). In the case of amounts up to one hundred thousand you do not need a guarantor or pledge, over 500 000 is required to pledge real estate or cooperative apartment. In this case, the loan is purposeful – for the acquisition of a property – for example a cottage or for the reconstruction of an existing housing, when you prove the purpose of using money with invoices.
To get a loan for a pensioner you do not have to go anywhere to a branch or bypass the banks. You can apply for a loan by phone or online using the forms on the website. They are also a great help for comparative online calculators, when you enter parameters immediately you know which loan will pay you and with which you will save money on interest, installments or loan processing fees. In the case of a pension for a pensioner, a minimum income of CZK 6,500 or more is required. If you are earning a pension, grant all your income. The more data your bank has about you, the greater your chances of getting a loan. For larger and non-bank loans, do not pay any fees in advance. A solid company will not demand anything from you in advance. You can check out the company you want to reach on the Internet in blacklists, where you can find negative or positive reviews of the loan.
If you want to apply for a small loan up to 5000 CZK, you do not need to prove your income. It is sufficient to have your own bank account, valid identity documents, not to have execution. The loan is approved in a few minutes. Money can be sent by postal order or bank account. In the case of a postal order, you will receive money within three business days. You can use the loan for whatever you need. Some companies will also pay electricity, gas or telephone bills for you. Just scan the slips and send them by e-mail and don’t have to worry more. If you are unable to repay your loan on time, please contact the Company’s hotline to request a loan extension or extra payment schedule. Contact the customer line even if you want to repay the loan early. You do not pay any fines or penalties for early repayment, but you may be forgiven for interest or a higher loan.