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Loans for retirees: the best opportunities on the market

How many chances are there for obtaining loans for pensioners? Today in Italy there are many categories at risk and that of the elderly is certainly one of the weakest of all, often due to pensions that are too low that are not enough to cover the daily expenses (and the elderly of expenses have so many: from medicines to domestic collaborations, up to the simple need to help children and grandchildren financially).

For this there are cases in which people of a certain age may need to obtain a loan and, fortunately, the credit market offers them various opportunities. We see the most interesting.

One of the most practiced solutions are the INPS loans (formerly INPDAP) aimed at retirees and their families enrolled in one of the National Social Security Provisions’ management and granted on favorable terms (in particular, interest rates are very advantageous). The repayment of the capital takes place through retention on the pension slip. Among the various types of loans for retired INPS there are the small loans managed by the Fondo Fondo Poste Italiane (for former employees of the Italian Post Office and associated companies), the small loans for Magistral Assistance Management (for retired public school teachers), the small loans Unitary Management of credit and social benefits and others. Further information on the Inps website. In general, an excellent opportunity to obtain liquidity is offered by the transfer of the quirto for public employees and retired INPS.

Many prefer to opt instead for the assignment of a fifth of the pension, whose mechanism is universally known and allows obtaining a loan that must be returned monthly, with direct deduction on the slip, through an installment that cannot exceed 20% (or, indeed, one fifth) of the net amount of the pension. The assignment of a fifth of the pension requires a maximum age which, depending on the institution involved, varies from 75 to 80 years.

Then there is a third way and it is to apply directly to banks and financial institutions that offer loans designed specifically for pensioners and elderly people. Currently, companies like Findomestic, Compass, Pitagora and many others offer very interesting solutions.

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Loan estimate of 10000 euros

Financial: Simple Loan
Product: Personal Loan
TAN Fixed: 4.25%
APR: 4.44%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.117

Monthly installment € 185, 28 Feasibility check

Financial: Mago
Product: Personal Loan
TAN Fixed: 5.16%
APR: 6.70%
Loan duration: 60 months
Amount Financed: € 10.146
Total due: € 11.735

Monthly installment € 193, 19 Feasibility check

Financial: Sindomestic
Product: “Your Projects” Credit
TAN Fixed: 6.01%
APR: 6.18%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.602

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