Loans to disabled civilian pensioners do not include the assignment of the fifth. This consumer credit solution, in fact, does not allow to intervene on the amount of invalidity treatments. This scenario can prove problematic at first glance. But if you go deeper, you can find other useful options. Here are what they are.
Loans to pensioners with civil disability: financing changed
Those looking for loans to disabled civilian pensioners can refer to changed loans. Products based on the signature of executive titles, allow access to credit even without a paycheck.
The executive titles just mentioned are bills of exchange. Among their main characteristics it is possible to remember the forced value. What does this imply? The possibility for the credit institution to retaliate against the insolvent client’s assets without going before the judge.
Loan changed : what is the rate and what is needed to apply for it
We go even further into the details of the loans changed, useful references when it comes to loans to disabled civilian pensioners, talking about the interest rate.
The value in question is fixed for the duration of the repayment plan. Since the changeable loans are accessible even to those who do not have a paycheck or are registered with the Crif, it is a little higher than that applied to other loans.
At this point, all that remains is to remember what it takes to apply for the loan. In the case of disabled pensioners, the presentation of an active life insurance policy for at least two years is sufficient.
Loans with alternative guarantees: what to know before applying for one
When it comes to loans to disabled retirees, solutions with alternative guarantees must also be considered. What do they imply?
The ability to access credit with solvency guarantees other than the disability check, which we have already said is untouchable. Hence, it is possible to take into consideration the properties owned, the packages of shares or bonds, the divorce checks.
To be specified is that the process for these loans is often cumbersome and that credit institutions tend to prefer the requests that come from those with a normal pension.
Pawn credit: pros, cons and operation
Another solution to be mentioned in the context of loans to disabled civilian pensioners is the lien credit. In this case, the client’s job or pension position does not count.
It is enough that the aforementioned pledge a precious asset of its own property, which can be a jewel or a painting. This is assessed by an expert. On the basis of his opinion, the payment is made. The customer is responsible for repaying it in installments.
Once the process is over, he can redeem the asset by presenting a specific policy to the bearer. It should be remembered that these loans can last from 3 to 12 months and that credit institutions charge interest and custody fees.