Prestiter offers a loan for pensioners, available for all those who receive a pension from any institution, but with benefits for Inpdap pensioners. The loan for retirees is a form of credit in great diffusion, either because of the difficulties that in some moments may encounter a more “delicate” social bracket than the others, and because the pension is often the time to live that “something” that may have been lost during working life, such as a long journey, a special whim, or even a marriage ceremony for one’s children!
Who can apply for a loan to pensioners
All pensioners who have a pension of an entity that can claim this amount after having subtracted the installment they are due to pay will still have at least € 436.14. At the same time the maximum installment that the pensioner can pay must not exceed the fifth of the pension.
Holders of social pensions, invalidity pensions (if not received for more than six years and one month, and other forms of assistance indicated in the information sheets) cannot take advantage of the loan.
Features of Prestiter Loan at Retirees
If, following the preliminary investigation, the loan request is accepted, a compulsory insurance will be stipulated to cover the life risk of the insured and the family unit. There are no fees for opening the file. The loan does not require the presence of guarantors (single signature) or real guarantees, since it is the pension that provides the guarantee. The repayment duration is from 2 to 10 years.
The maximum taeg applied is 8.02% for all loans with a duration of less than 60 months and 8.77 for those that go beyond.
Finally, the benefits for Inpdap pensioners. The latter have discounts on compulsory insurance and particularly favorable rates.