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Creditworthiness check is determining a client’s credit rating, or the possibility for the client to obtain a loan and repay it with interest within the period stipulated in the Loan Agreement.
Pensioner loan
A pensioner loan is a general-purpose cash loan granted without security instruments to any pensioner up to 78 years of age.
Any natural person, resident, who meets the Bank creditworthiness requirements can be a borrower.
Benefits
- No security instruments required
- Higher access age of borrower
- More favourable calculation of creditworthiness tailored to pensioners
Arrangement
Yes, pensioner loans can be arranged.
Yes, pensioner loans can be arranged provided that you are creditworthy and that, at the time of maturity of the last annuity, you are not older than 78.
Use
Fixed interest rate does not change during the repayment of loan, regardless of market conditions. Once you arrange a loan with a fixed interest rate, you know exactly how much you will pay.