{"id":5810,"date":"2023-10-20T17:26:00","date_gmt":"2023-10-20T15:26:00","guid":{"rendered":"https:\/\/test.lica.ch\/?p=5810"},"modified":"2026-08-10T15:58:24","modified_gmt":"2026-08-10T14:58:24","slug":"loan-for-pensioners-avs-and-ai","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/en\/credit-rentier\/credit-pour-les-rentiers-avs-et-ai\/","title":{"rendered":"The personal loan for AVS and AI pensioners"},"content":{"rendered":"<h2 id=\"viewer-52egu\" class=\"wp-block-heading\">Are you an AVS or AVI pensioner?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-5cl6a\">OASI and disability insurance are the two providers of the first pillar. Old-age and survivors' insurance (<a href=\"https:\/\/www.ahv-iv.ch\/fr\/assurances-sociales\/assurance-vieillesse-et-survivants-avs\" data-type=\"link\" data-id=\"https:\/\/www.ahv-iv.ch\/fr\/assurances-sociales\/assurance-vieillesse-et-survivants-avs\" target=\"_blank\" rel=\"noreferrer noopener\">AVS<\/a>) pays pensions to retirees and pensions to surviving widows, widowers, and orphans. While disability insurance (<a href=\"https:\/\/www.ahv-iv.ch\/fr\/assurances-sociales\/assurance-invalidit%C3%A9-ai\" data-type=\"link\" data-id=\"https:\/\/www.ahv-iv.ch\/fr\/assurances-sociales\/assurance-invalidit%C3%A9-ai\" target=\"_blank\" rel=\"noreferrer noopener\">AI<\/a>), 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.<\/p>\n\n\n\n<h2 id=\"viewer-p87s\" class=\"wp-block-heading\">What are the conditions for obtaining a private credit?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-7srk6\">Even if it is possible to<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-brand-color\"> <\/mark>a<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-brand-color\"> <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/en\/demande-de-credit-prive-en-ligne\/\" target=\"_blank\" rel=\"noreferrer noopener\">personal loan application<\/a> <\/mark>not all banks will accept your application. For your application to be processed by a bank, you will need to meet the following conditions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>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.<\/li>\n\n\n\n<li>You are under 65 years of age at the time the contract is concluded.<\/li>\n\n\n\n<li>You don't have <a href=\"https:\/\/www.lica.ch\/en\/solvency\/how-debt-collection-works-in-switzerland\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/solvabilite\/fonctionnement-des-poursuites-en-suisse\/\">lawsuits<\/a> in progress (certificates of inability to pay debts included).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">With Lica, you have every chance of getting a loan on very favorable terms <a href=\"https:\/\/www.lica.ch\/en\/pensioner-loan\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-rentier\/\">as a person of independent means<\/a>. 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.<\/p>\n\n\n\n<h2 id=\"viewer-56i6b\" class=\"wp-block-heading\">Interest rates for pensioners<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-3gbre\">For people receiving an annuity, the interest rates for <a href=\"https:\/\/www.lica.ch\/en\/personal-loan\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-personnel\/\">personal loans<\/a> generally range from 5.9% to 9.9%. The rate will depend primarily on each applicant\u2019s individual circumstances. Lica always offers you the best available rates for your personal loan based on the results our advisors achieve through negotiation.<\/p>\n\n\n\n<h2 id=\"viewer-epfhv\" class=\"wp-block-heading\">What documents do I need to provide?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-8ao3f\">For your application to be processed correctly, you must provide :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Copy of your identity card<\/li>\n\n\n\n<li>Copy of AI \/ AVS \/ Caisse de pension decision<\/li>\n\n\n\n<li>Copies of your last 3 statements for the account from which you receive your pension(s)<\/li>\n\n\n\n<li>Copies of your last 3 pay slips for additional income (if applicable)<\/li>\n\n\n\n<li>Lease or mortgage contract<\/li>\n\n\n\n<li>If you are married or living as a couple :<\/li>\n\n\n\n<li>Copy of your partner's Swiss identity card or residence permit.<\/li>\n\n\n\n<li>Copy of your last 3 payslips and your partner's last 3 supplementary income statements (if applicable).<\/li>\n<\/ul>\n\n\n\n<h2 id=\"viewer-7gqvu\" class=\"wp-block-heading\">Why choose Lica?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-3s1s9\">The advisors at Lica handle your case transparently and very efficiently. We review your current situation and consider <a href=\"https:\/\/www.lica.ch\/en\/solvency\/manage-finances-wisely-and-optimize-budget\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/solvabilite\/bien-gerer-ses-finances-et-optimiser-son-budget\/\">your budget<\/a>, 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.<\/p>","protected":false},"excerpt":{"rendered":"<p>Vous \u00eates rentier AVS ou AVI ? AVS et l\u2019AI sont les deux prestataires du premier pilier. L\u2019assurance vieillesse et survivants (AVS) verse des rentes aux retrait\u00e9s et des rentes de veufs, veuves et orphelins aux survivants. Alors que l\u2019assurance invalidit\u00e9 (AI), elle verse des prestations (rentes) aux personnes qui sont invalides. Nous allons donc [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":27888,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-5810","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-rentier"],"_yoast_wpseo_focuskw":"Cr\u00e9dit pour les rentiers","_yoast_wpseo_title":"Le cr\u00e9dit priv\u00e9 pour les rentiers AVS et AI %%sep%% Lica cr\u00e9dit priv\u00e9 \u00e0 Vevey","_yoast_wpseo_metadesc":"Le cr\u00e9dit pour les rentiers AVS et AI est possible \u00e0 condition de respecter certaines conditions. 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