home VTB 24

Cash loan for pensioners at VTB 24 - types, procedure for providing and processing

Not all citizens of retirement age can take a cash loan at VTB 24. The main question, rather, is not in years, but whether a person can give money to a bank. The list of requirements does not give any privileges for this category of borrowers. Factors that guarantee solvency are the main thing that will affect the decision of the creditor.

Is it possible to take a cash loan at VTB 24 Bank for a pensioner

The bank does not provide for special pension programs for issuing a consumer loan in cash (as well as for a mortgage). Elderly people can use the financial service only on a general basis. Loans to pensioners in VTB 24 are provided on the condition that before reaching the age of 70 they will have time to fully repay them. There are no benefits, such as reduced interest rates, either.

In general, the attitude towards this category of citizens is favorable, if they meet all the requirements. This is especially true for working pensioners. Payments can be made monthly through numerous ATMs. This is very convenient if a person receives a salary on a VTB bank card.

Terms of Service

A loan for pensioners in VTB 24 is issued subject to a number of conditions:

Age at the time of payment of the debt is not more than 70 years.
Repayment period - from 6 months. up to 5 years. The choice is made by the borrower.
The minimum amount is 100 thousand rubles. Maximum - 3 million rubles. (5 million rubles for payroll card holders).
The minimum rate, from 14.5%, is also given to participants in salary projects. The maximum is 23%.
The monthly income of the borrower is from 30 thousand rubles. and above for residents of Moscow and the Moscow region and from 20 thousand rubles. for other residents of Russia. Not only pensions are taken into account, but also other sources of income. Documentary proof of income is required. These can be the following references:

in the form 2-NDFL;
in the form of VTB Bank 24;
from the FIU, confirming the amount of the pension.

Guarantee of solvent relatives of a younger age or pledge in the form of real estate. It is not formally mandatory, but will significantly increase the likelihood of approval of the application.
Total work experience of one year.
Life and health insurance. It plays an important role, since people of retirement age are at risk. They can easily lose the jobs they need to pay back, not to mention the possibility of death. In case of refusal of insurance, it is unlikely that the bank will approve the issuance of a cash loan.
Citizenship of the Russian Federation. The borrower's residence must be registered in the same area as the representative office of the bank.

Types of consumer lending at VTB 24

Loans to pensioners in VTB 24 can be issued under several general programs. They differ only in the percentage of the rate and the possible amount, which is negotiated personally for each client on the basis of the submitted documents. The rest of the conditions are the same.

Loan type