This is how you get a loan for pensioners.

Especially in old age, when the burdens of a busy professional life are finally over and there is enough time, you want to enjoy this phase of life. But also the retirement age is not the end of all desires. Especially in this phase of life, many people are very active, have an expensive hobby or want to travel the world or be pampered in some other way.

Of course, all of this is only possible if the financial framework is right. And that is precisely what is not the case with many pensioners, in fact it is the case that more and more old-age poverty is spreading. So in order to remain financially flexible even in old age, a loan is particularly suitable for pensioners.

Where old-age retirees and pensioners can find a loan for retirees

Where old-age retirees and pensioners can find a loan for retirees

Many pensioners are disappointed when they turn to the house bank with their loan request. Always a good interlocutor, apparently they don’t want to know anything about it when it comes to providing a loan for pensioners. For the house banks, everything is a question of risk.

The risk of deaths, illnesses and long-term care risks increases with age, and it is not uncommon for bank loans to result in high risk premiums and the associated poor conditions and restrictions on the loan term. In order to avoid disappointment from the outset, you should therefore choose a different path in retirement than using the house bank.

More and more pensioners are also on the Internet, in this context people like to speak of silver surfers.

More and more pensioners are also on the Internet, in this context people like to speak of silver surfers.

Online loans are also available for retirees, usually without worsening credit conditions. It is therefore advisable to apply for a loan for pensioners on the Internet via a suitable platform and with the help of a specialized credit intermediary. The straightforward application for a loan for retirees also has the advantage that everything can be done conveniently online, in peace and quiet from home and without walking.

The comparison is also worthwhile for credit marketplaces for older borrowers. A good credit rating and perfect Credit Bureau information naturally increase the chances of getting a loan for pensioners on the Internet.

Loan without guarantee – is that possible?

 

If you need a loan, you quickly get the idea of ​​using the ultimate tool to guarantee that you get the loan: the guarantor. This is a person who has an excellent credit rating and should not have a negative Credit bureau. The guarantor gives the bank confidence that if the originally planned loan repayment should fail, he will step in and be liable himself. Only: As you can already see from these lines: The demands on a guarantor are high. What if you can’t find a suitable person? What if a unsecured loan is the form of loan you need?

The loan without a surety: the ideal case

The loan without a surety: the ideal case

A loan without a guarantor can be critical, but it doesn’t have to be. The guarantor is a security system that, if everything runs and functions as it should, is not needed at all. Ideally, you have to transfer a bank that a security system will not be needed. This happens because you can easily provide all the necessary evidence to check your creditworthiness. This does not mean a negative entry in the protection association for general credit protection and such a high income that it will easily conclude that the credit rating is in order. In addition, income should also be secured in the medium to long term (no fixed-term employment contract).

The loan without guarantor: the deviation from the ideal case

The loan without guarantor: the deviation from the ideal case

However, this scenario is actually the ideal case. However, there are also certain scenarios in which you have to deviate from them. For example, if you have a negative Credit bureau, you can still get a loan, even if there is no guarantor. The banks then usually try to introduce the guarantor through the back door by having two people sign the loan application. In reality, however, you can still get a loan without guarantor from foreign banks that grant loans without Credit bureau.

Loan without guarantor: how to find it

Loan without guarantor: how to find it

The central question is therefore: How do you find a loan without a guarantor? You can either use the relatively expensive services of a credit broker or take the time to do your own research on the Internet. It is important that you not only study the pure offers, but also read exactly under what conditions these loans are granted, when and how, and you should also always consult the experience reports of previous credit customers.