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Those who are finally allowed to retire after many busy decades are usually looking forward to a lifetime filled with traveling, cultural events or the cultivation of hobbies. Often, the house must be renovated or a new car to be purchased. However, when these businesses and acquisitions multiply, the pension soon becomes scarce. Those who do not have enough savings will see their dreams of a fulfilled pensioner’s existence quickly burst.
Many people over the age of 65 are thinking about taking out a retirement loan. However, this endeavor is not easy to achieve, because often pensioners already fail at the adviser of their house bank, which rarely awards pension loans.
The term “pension loan” is a bit misleading, as it does not describe a new type of loan. Rather, it is also a consumer loan, which must be repaid by (monthly) repayment plus interest.
The peculiarity is rather to be found on the part of the borrower, who receives no monthly salary from the employer, but a state or private pension.
No, retiree loans, including loans for older people, are often offered by online banks. In contrast, “normal” house banks only grant such loans to pensioners – as mentioned above – in the rarest of cases. We will explain this in more detail in the next section.
House banks are against two main reasons against the granting of a loan to pensioners with small Enikommen:
As mentioned earlier, the odds are that an online bank will approve and pay you a low-annuity loan as a retiree. Of course, it is also very important to check the creditworthiness of the respective borrower for these digital institutions.
Here is first a perfect Great lender information advantage . For example, this will be negative if, as a potential borrower, you have already defaulted on installment payments or if you have had an enforcement order against you.
Attention, it is possible that you will be offered only loans with low maturity and low payout in old age.
In summary, you can consider the following points as a prerequisite for a loan commitment:
In addition, sufficient collateral is in favor of lending. This means that the lender can hedge the loan amount. This can lead to the following measures, which are called for:
Potential creditors should keep in mind that they need to provide a variety of required information and documents in order to obtain the loan.
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