Are you an AVS or AVI pensioner?
OASI and DI are the two providers of the first pillar. Old-age and survivors' insurance (AHV) pays pensions to retired people, and widows', widowers' and orphans' pensions to survivors. Disability insurance (AI) pays benefits (pensions) to disabled people. Let's take a look at how these three types of beneficiaries can benefit from financing when they really need it.
What are the conditions for obtaining a private credit?
Even if it is possible to a personal loan application not all banks will accept your application. For your application to be processed by a bank, you will need to meet the following conditions:
- Your AVS or AI benefits, second-pillar pensions, and any other sources of income total at least CHF 3'000 per month.
- You are under 65 years of age when the contract is taken out
- You have no pending lawsuits (including deeds of default)
With Lica, you have every chance of obtaining a credit on very advantageous terms as an annuitant. Take advantage of our free, no-obligation application service. Together we'll find a solution to get you the financing you need.
Interest rates for pensioners
For pensioners, interest rates for personal loans generally range from 4.95% to 10.9%. The rate will depend mainly on the individual situation of each applicant. Lica always offers you the best rates available for your private loan, based on the results our advisors obtain after negotiation.
What documents do I need to provide?
For your application to be processed correctly, you must provide :
- Copy of your identity card
- Copy of AI / AVS / Caisse de pension decision
- Copies of your last 3 statements for the account from which you receive your pension(s)
- Copies of your last 3 pay slips for additional income (if applicable)
- Lease or mortgage contract
- If you are married or living as a couple :
- Copy of your partner's Swiss identity card or residence permit.
- Copy of your last 3 payslips and your partner's last 3 supplementary income statements (if applicable).
Why choose Lica?
The advisors at Lica will deal with your application transparently and efficiently. We study your current situation, think about your budget, and then suggest financing options that are perfectly suited to your situation. Lica also negotiates your interest rate so you get the best deal on the market.