Home Loan for Pensioners
Pensioners on favorable terms
We also offer suitable loans for pensioners and pensioners on favorable terms. With a loan for retirees you can make your newly acquired free time according to your ideas. Loans for pensioners – attachment exemption limits hinder lending. If a pensioner with an average pension income and no large security payments applies for a loan, the application will normally be rejected. These are solvent, often have a considerable fortune and like to put back in a emergency, a large sum of money.
Home loan for pensioners
Most pensioners are aware of the problem: they have a debt-free home and still need financial leeway to plan their retirement or rebuild the building. The credit requirements of pensioners are criticized by many banks, and the real estate financing is difficult for the retirees. In addition, many retirees hope for as low a load as possible.
There is now an optimal solution for this: the retirement mortgage. Pensioners can raise up to 50% of the property value as a pension mortgage. Conversely, once a year you have the opportunity to repay the loan volume through special repayment. You can pay it off completely. You do not have to pay off your retirement mortgage! You have here a “special product for pensioners”, the optimal mortgage lending for pensioners, without age limit guarantee.
Repayment of the loan
Special product for retirees and pensioners with unencumbered or slightly burdened real estate. Loans of up to 50% of the market value of the property are possible. Loans can also be terminated in installments. If a refund is required, it can be changed without further fees. Repayment of the loan can be made wholly or in part at any time – without prepayment penalty.
Conclusion: A good offer for retirees who have the opportunity to convert the capital tied up in “stones” back into capital. The flexible repayment and special repayment option ensures a high degree of flexibility. What is the risk of the heir? If the borrower only pays the default interest and dies, the offspring will have the legacy of the credit.
After the death of the borrower, the offspring can either pay off the loan from their own assets, sell the home and repay the loan from the proceeds of the sale, or the offspring can refinance and refinance the loan business. We are happy to make you a non-binding and free financing offer. Would you like an immediate proposal to finance your retirement mortgage?
More than 50 and installers?
In the past, it was difficult for the 50+ generations to get a real estate loan. More and more banks are now offering special offers for Best Players. In pensions, the over 50-year-old generation relies on the real estate business. So it is no coincidence that many of them want to become builders themselves or buy a property some years before they retire.
For the real estate boom in this age group, not only the demographic change is partly responsible. Most people have made a particularly high income over the past decade before retiring. This has the disadvantage that a high own funds ratio makes lending cheaper. However, as most employees have to cope with less capital after reaching retirement age, it is essential to set the expected statutory pension amount, including possible occupational pensions.
But there are also many banks that have no special requirements for customers over 50 years: That’s why the search for a suitable real estate financier pays off. With real estate loans, the more flexibility, the better. Old builders should opt for loans with a longer fixed interest period of at least ten years and a flexible interest rate.
In particular, in the financing of real estate over 50 plus, it is important to take advantage of all opportunities to reduce residual debt.