Post Bank offers the population several types of consumer loans. There are also programs for lending to citizens of retirement age. Loan calculator for retirees in Post Bank allows you to calculate the loan amount in advance. The service generates a payment schedule and shows the amount of overpayment on a loan. The user just needs to enter the amount and currency of the loan, the loan term, the size of the base rate on the loan, and the type of payment. The system makes calculations and gives the final results.

Loan payment table

Each borrower should soberly assess the situation before applying to the bank. You can find out about the availability of an opportunity to get a loan in two ways - by visiting the organization in person or remotely. Online services greatly simplify the procedure. Citizens can independently calculate a cash loan for pensioners at the Post Bank using a calculator and choose the most profitable option.

Post Bank offers several credit modes. They differ in the amount of the loan and the size of the interest rate. The maximum loan amount is 200 thousand rubles. Loan term - from 12 to 36 months. The rate on a loan within the “Preferential” tariff ranges from 19.5 to 21.9%. The bank provides for the possibility of issuing the Guaranteed Rate service. The essence of the service is that if the client repays the loan within 12 months without delays, the bank recalculates the loan at a rate of 12.9% per year. The difference is returned to the savings account of the borrower. The commission is 5.9% of the loan amount. For clients who have a savings account with a bank, the commission is 1%.

Let's consider an example of calculation. Loan amount - 200 thousand rubles. Loan term - 36 months. The interest rate on the loan is 19.5%. The guaranteed rate is not connected. Insurance type - VTB's new maximum. Payment type - annuity. Calculations of the loan amount (1, 12, 24 and 36 months):

The amount of overpayment on the loan is 132,308 rubles. In percentage terms - 66.15%. The amount of the monthly payment is 9 250 rubles. It does not change for 35 months. The last payment is RUB 8,557.82.

Note. You can reduce the amount of overpayment by changing or canceling insurance. Insurance coverage rates are quite high - from 0.4% to 0.2% per month.

If you activate the service "Guaranteed Rate", the indicators will slightly change. Calculations of the loan amount (1, 12, 24 and 36 months):

The amount of overpayment on the loan - 147,917 rubles. In percentage terms - 73.96%. The amount of the monthly payment is 9 690 rubles. It does not change for 35 months. The last payment is RUB 8,766.73.

If the borrower fulfills the terms of the loan agreement, the bank will return 29,012 rubles to him. As a result, the overpayment on the loan will be 118,905 rubles. In percentage terms - 59.45%. The above calculations are approximate and are for reference only.

Note. The bank does not provide for a differentiated method of loan repayment.

Calculation of the payment schedule

The payment schedule is formed based on the loan term, loan amount, interest rate, the presence / absence of insurance and the method of calculation (annuity / differential). It goes as an annex to the loan agreement. You can get a general idea of ​​the amount of monthly contributions and accrued interest using an online calculator. The data is provided in the form of a table with a breakdown by month.

Some banks, understanding the peculiarities of the financial condition of pensioners (especially those who are not working), offer loans at favorable interest rates. Post Bank, which provides loans to pensioners on favorable and loyal terms, was no exception.

When submitting an application, you must indicate the desired financial product. Today the bank has the following offers for retirees:

• preferential loan (for new clients of the organization);
• preferential "special" (relevant for those who receive a pension at the Post Bank).

Conditions	Preferential(standard conditions)	Preferential Special(for pensioners receiving pension at Post Bank)
Term	12 - 36 months	12 - 36 months
The loan rate is determined on the basis of the rules for making credit decisions established in the bank	19.9% ​​/ 23.9% per annum	16.9% / 21.9% / 23.9% per annum
Amount to be issued	RUB 20,000 - RUB 200,000	RUB 20,000 - RUB 200,000
"Guaranteed Rate" service	16,9%	12,9%
Commission for the service from the amount to be issued	3,9% / 4,9%	0%

Under both products, a loan is issued for a period of one to three (in some cases - up to five) years. A pensioner can receive an amount ranging from 20 to 200 thousand. rubles (if more is needed, the application is considered on an individual basis).

Conditions

Loan conditions vary depending on the characteristics of the borrower.

For working

If a pensioner continues to work, then he (in addition to the standard documentation) must provide information when filling out the application:

• full name of the institution;
• position;
• the size of the salary (official and not).

For non-working pensioners

An unemployed pensioner can get a loan from a Russian Post bank. The amount allowed is calculated individually based on information about pension payments and other sources of income (for example, from renting out housing).

Consumer loan

In the Post Bank, cash loans are provided for any purpose. The pensioner has the right not to specify the purpose of the loan, although in the case of a large amount, the specificity may become a determining factor for bank approval.

With guarantors

The existing loan for pensioners in the Post Bank does not imply the presence of guarantors. To increase the loan amount, you may only need co-borrowers (up to two people), who are jointly and severally liable with the applicant. They need to provide a standard package of documents (identity card, SNILS, etc.). If a pensioner is married (married), then his spouse is considered a co-borrower automatically.

Without surety

When issuing credit products, the Post Bank focuses on the solvency of the borrower himself, and therefore does not require the presence of guarantors from him when applying for a loan for any amount.

Interest rates

A consumer loan for pensioners at Post Bank has two different methods of calculating annual interest.

The initial rate is billed to the borrower after the application is approved. Its size depends on the type of loan offer. For clients of the organization there is a service "Guaranteed Rate", within which pensioners can get a loan at a low interest rate if the following conditions are met:

• the loan was repaid without delays;
• the number of payments was at least 12.

In this case, the loan is recalculated at a more favorable rate, and then the difference is returned to the client's savings account on the day the debt is fully repaid.

Loans to retirees, in the Post Bank, are of two types: simple and special loans. Their key differences are in the size of the rates:

• a standard loan offer is characterized by:
  • initial interest rate - from 19.9% ​​to 23% per annum
  • the minimum guaranteed rate is 16.9%.
• for special:
  • annual rates start at 16.9%;
  • the minimum is 12.9%.

And also in the second case, there is no commission for the service of issuing funds (in the first it is 3.9-4.9% of the loan amount).

Application process

There are several ways to apply:

• in one of the bank's offices;
• through the application form on the official website.

The absence of an account with the Post Bank will not be a reason for refusing to issue money, but its presence will help you get a loan on more interesting terms.

Loan approval

The decision on the application is made one day before. Information about approval or refusal comes by a message to the applicant's phone. The pensioner is required to come to the territorial branch of the bank within 7 (in case of online application - 30) days and draw up a loan agreement. Debt obligations come into force from the moment this document is signed, regardless of whether the person immediately took the money or left it in a savings account.

Online application

Information to be specified:

• the age of the applicant;
• cell phone number;
• email address;
• passport data;
• information about the employer and the position held (if any).

And also when filling out the questionnaire, the user gives permission to process personal data in the BCH.

Client requirements

When issuing a cash loan for pension offers, the following requirements are imposed on the borrower:

• by age:
  • for women - ;
  • for men - up to 65 years (in some cases, the age limit may be increased);
• positive credit history;
• absence of debts in other banks;
• Russian citizenship and registration.

Documents for registration

In case of a personal visit to a bank branch, you must take with you:

• Russian passport;
• employer's TIN number (subject to official employment);
• SNILS;
• pension certificate or documents from the FIU;
• certificate of pension of the Ministry of Internal Affairs (for military personnel).

Advantages and disadvantages

The Russian Post Bank has many advantages of applying for a loan for retirees.

Today, many banking organizations have developed loan products for people receiving retirement. So, a member of the VTB financial group, Post Bank offers loans to pensioners on preferential terms at a low interest rate.

They arrange consumer loans for pensioners in the Post Bank for any purpose. Moreover, both clients who are retired in a financial institution and retirees from other banking institutions can apply for a loan. Working pensioners can also apply for a loan.

The product is called "Preferential".

A loan is issued without income certificates, without collateral and surety of third parties. The interest rate ranges from 12.9% to 24.9%. The borrower receives the lender's decision on the day of the application. After 7 days, the recipient must use the credit money.

The insurance of the client is carried out only at his request.

The amount of the monthly insurance premium is 0.2–0.3% of the insurance amount, depending on the financial protection program. Moreover, the amount is charged only once. Loan funds can be transferred either to the borrower's personal account or to a card.

When a client subscribes to the Guaranteed Rate service, the interest rate of a loan to retirees in Post Bank can be recalculated at the rate of 12.9% per annum. At the same time, you need to repay the loan without delays, and make at least 12 payments.

When the loan is repaid in full, the difference in interest rates will be returned to the borrower's account, excluding the bank commission.

A loan to retirees taken from the Post Bank can be repaid ahead of schedule by notifying the financial institution about this 7 days before the date of the next payment. Other loan conditions for pensioners at Post Bank:

• Credit limit from 20 to 200 thousand rubles.
• The interest rate is 19.9-24.9% per annum; for clients who have purchased the Guaranteed Rate service - 12.9% per year (when recalculated).
• The size of the commission for the "Guaranteed Rate" service is 4.9% - 6.9% of the amount received.

Requirements and documents

We will answer the question of customers, up to what age they give a loan in the Post Bank to pensioners who wish to get a loan. The banking organization has established the following age limit - men from 40 to 75 years old, women - from 40 to 80 years old. Basically, the following requirements are imposed on applicants:

• Russian citizenship.
• For working pensioners - work experience in the last place of at least 90 days.
• Having a positive credit history.
• Providing landline or mobile phone numbers.

According to the conditions in 2018, a loan to pensioners at Post Bank is provided on the basis of:

• Application form.
• Russian passport.
• Pension certificate, certificate from the pension fund or SNILS (optional).
• Employer identification tax number (for working retirees).

Registration process: step by step

We will tell you how to apply for a loan at the Post Bank for pensioners step by step. To receive a retirement loan you need:

• Contact the employees of the financial institution at the nearest branch. In this case, you must have a passport and a mobile phone with you.
• Wait for the decision of the banking organization (the procedure usually lasts for an hour). If the client applied for a loan at the end of the working day, the decision will come the next working day.
• You can withdraw cash from the card or pay with it by bank transfer in trade terminals, but no later than 5 days after the loan is issued.

An online application for a loan at the Post Bank for pensioners is drawn up in the same way as other loan applications:

How to repay a loan

Post Bank offers its retirees a number of services to facilitate the repayment of the loan. So, it is possible to change the date of the monthly installment.

The editors of our site decided to study which of the country's leading banks can boast of the best loan offers for the most important citizens of our country, for dear pensioners. So, we learned:

1. Where can a Russian pensioner get a cash loan at a low interest rate?
2. Why is Sberbank not the most profitable option?
3. What banks give money to borrowers aged 75, 80 and even 85 years old?

Banks with the best loan rates for retirees

What documents are needed to obtain a loan?

The standard package consists of only two documents - a pension certificate and a passport. But in you you also need to be ready to provide SNILS and, in very rare cases, a certificate from the Pension Fund of Russia on the amount of the pension for the last few months.

What is the maximum age at which you can get a cash loan?

Almost all banks set the age limit for the borrower, and we are always talking about the age at the time of full repayment of the debt. In Sberbank, this bar is at the level of 65 years, in Rosselkhozbank - 75 years, in Sovcombank - 85 years. The only place in which there is no age limit is Post Bank.

Where can a pensioner with a bad credit history get money?

To begin with, you should contact commercial banks with the highest chances for approval of the application. Such organizations include Vostochny, Renaissance and Sovcombank. The second way is to get a loan secured by real estate.

A small amount of money for a short period can be borrowed very quickly from a microfinance organization. Most likely, they will not refuse to issue a loan, but they will give it on terrible conditions - up to 2% per day.

Sovcombank cash loan for pensioners 12 percent

The undisputed leader of our rating. Initially, the adult generation was chosen as its target audience; special credit programs are available for them. It will also be an advantage that in this bank you can get a loan without certificates and guarantors if the amount does not exceed 300 thousand rubles. And if you need 40,000 or less, then just a passport will be enough.

• The loan amount is 5,000 to 300,000 rubles.
• Interest rate - from 12% per annum.
• Term - from 5 months to 5 years.

Retired loan

At Renaissance Credit Bank you can get a loan with just two documents.

• The loan amount is 30,000 to 700,000 rubles.
• Interest rate - from 11.3 to 24.7% per annum.
• Term - from 5 months to 5 years.

Loans to retirees

Orient Express Bank is also quite willing to issue loans for people of age.

• The loan amount is 25,000 to 500,000 rubles.
• Interest rate - from 11.5.
• Term - from 13 months to 20 years.

Cash loan for pensioners

If you live in the Ural Federal District, then you have the opportunity to apply for a loan at the University Bank. Although this bank took the last place in our rating, due to the high interest rate, this bank has a big plus, it issues loans for a period of 7 years. Those. if you really need a large amount, but there is no way to extinguish it quickly, then we recommend that you consider this option.

• The loan amount is 5,000 to 300,000 rubles. - rate from 17% to 27% per annum.
• Loan amount from 300,001 to 600,000 rubles. - rate of 23.3% per annum.
• The term is from 3 to 7 years.