Are you an AVS or AVI pensioner?
OASI and disability insurance are the two providers of the first pillar. Old-age and survivors' insurance (AVS) pays pensions to retirees and pensions to surviving widows, widowers, and orphans. While disability insurance (AI), it pays benefits (pensions) to people with disabilities. We will therefore see 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, your second-pillar pensions, and any other potential sources of income (excluding supplementary benefits) total at least CHF 3,000.- per month.
- You are under 65 years of age at the time the contract is concluded.
- You don't have lawsuits in progress (certificates of inability to pay debts included).
With Lica, you have every chance of getting a loan on very favorable terms as a person of independent means. Take advantage of making your request for free and with no obligation. Together we will find a solution to get you the financing you want.
Interest rates for pensioners
For people receiving an annuity, the interest rates for personal loans generally range from 5.9% to 9.9%. The rate will depend primarily on each applicant’s individual circumstances. Lica always offers you the best available rates for your personal loan based on the results our advisors achieve through 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 handle your case transparently and very efficiently. We review your current situation and consider your budget, and we also offer financing options that are perfectly tailored to your situation. Lica also negotiates your interest rate so that you get the best deal on the market.
