{"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":"credito-para-jubilados-avs-y-ai","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/es\/credit-rentier\/credit-pour-les-rentiers-avs-et-ai\/","title":{"rendered":"El cr\u00e9dito privado para pensionistas AVS y AI"},"content":{"rendered":"<h2 id=\"viewer-52egu\" class=\"wp-block-heading\">\u00bfEs pensionista AVS o AVI?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-5cl6a\">AVS y la AI son los dos proveedores del primer pilar. El seguro de vejez y supervivencia (<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>) paga pensiones a los jubilados y pensiones de viudedad y orfandad a los supervivientes. Mientras que el seguro de invalidez (<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\">IA<\/a>), paga prestaciones (pensiones) a las personas que tienen una discapacidad. Por lo tanto, vamos a ver c\u00f3mo estos tres tipos de beneficiarios pueden aprovechar una financiaci\u00f3n cuando realmente la necesitan.<\/p>\n\n\n\n<h2 id=\"viewer-p87s\" class=\"wp-block-heading\">\u00bfCu\u00e1les son las condiciones para obtener un cr\u00e9dito privado?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-7srk6\">Aunque sea posible<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\/es\/demande-de-credit-prive-en-ligne\/\" target=\"_blank\" rel=\"noreferrer noopener\">solicitud de pr\u00e9stamo personal<\/a> <\/mark>si es pensionista AVS\/AI, no todos los bancos aceptar\u00e1n su solicitud. Para que un banco tramite su solicitud, deber\u00e1 cumplir los siguientes requisitos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sus prestaciones del AVS o del AI, sus pensiones del segundo pilar y cualquier otra posible fuente de ingresos (excepto las prestaciones complementarias) ascienden en total a, como m\u00ednimo, CHF 3.000.- al mes.<\/li>\n\n\n\n<li>Tiene menos de 65 a\u00f1os en el momento de la celebraci\u00f3n del contrato.<\/li>\n\n\n\n<li>No tiene <a href=\"https:\/\/www.lica.ch\/es\/solvencia\/funcionamiento-de-los-procesos-de-ejecucion-en-suiza\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/solvabilite\/fonctionnement-des-poursuites-en-suisse\/\">demandas<\/a> en curso (incluidos los actos de insuficiencia de bienes).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Con Lica, tienes todas las posibilidades de conseguir un cr\u00e9dito en condiciones muy ventajosas <a href=\"https:\/\/www.lica.ch\/es\/credito-pensionista\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-rentier\/\">siendo rentista<\/a>. Aproveche para hacer su solicitud de forma gratuita y sin compromiso. Juntos encontraremos una soluci\u00f3n para conseguirle la financiaci\u00f3n deseada.<\/p>\n\n\n\n<h2 id=\"viewer-56i6b\" class=\"wp-block-heading\">Tipos de inter\u00e9s para pensionistas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-3gbre\">Para las personas que disfrutan de una renta, los tipos de inter\u00e9s para <a href=\"https:\/\/www.lica.ch\/es\/credito-privado\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/credit-personnel\/\">los pr\u00e9stamos personales<\/a> suelen oscilar entre 5,91 TP18T y 9,91 TP18T. El tipo de inter\u00e9s depender\u00e1 principalmente de la situaci\u00f3n particular de cada solicitante. Lica siempre te ofrece los mejores tipos de inter\u00e9s disponibles para tu cr\u00e9dito privado en funci\u00f3n de los resultados que nuestros asesores consigan tras la negociaci\u00f3n.<\/p>\n\n\n\n<h2 id=\"viewer-epfhv\" class=\"wp-block-heading\">Cr\u00e9dito para pensionistas: \u00bfqu\u00e9 documentos debo presentar?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-8ao3f\">Para que su solicitud se tramite correctamente, debe facilitar :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Copia de su documento de identidad<\/li>\n\n\n\n<li>Copia de la decisi\u00f3n de AI \/ AVS \/ Caisse de pension<\/li>\n\n\n\n<li>Copias de los 3 \u00faltimos extractos de la cuenta de la que recibe la pensi\u00f3n o pensiones<\/li>\n\n\n\n<li>Copias de las 3 \u00faltimas n\u00f3minas de ingresos adicionales (si procede)<\/li>\n\n\n\n<li>Contrato de arrendamiento o hipoteca<\/li>\n\n\n\n<li>Si est\u00e1 casado o vive en pareja :<\/li>\n\n\n\n<li>Copia del documento de identidad suizo o del permiso de residencia de su pareja.<\/li>\n\n\n\n<li>Copia de tus 3 \u00faltimas n\u00f3minas y de las 3 \u00faltimas declaraciones de ingresos complementarios de tu pareja (si procede).<\/li>\n<\/ul>\n\n\n\n<h2 id=\"viewer-7gqvu\" class=\"wp-block-heading\">\u00bfPor qu\u00e9 elegir Lica?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-3s1s9\">Los asesores de Lica gestionan tu expediente de forma transparente y muy eficaz. Analizamos tu situaci\u00f3n actual y tenemos en cuenta <a href=\"https:\/\/www.lica.ch\/es\/solvencia\/gestionar-bien-las-finanzas-y-optimizar-el-presupuesto\/\" data-type=\"link\" data-id=\"https:\/\/www.lica.ch\/solvabilite\/bien-gerer-ses-finances-et-optimiser-son-budget\/\">su presupuesto<\/a>, y adem\u00e1s te ofrecemos opciones de financiaci\u00f3n que se adaptan perfectamente a tu situaci\u00f3n. Lica tambi\u00e9n negocia tu tipo de inter\u00e9s para que consigas la oferta m\u00e1s ventajosa del mercado.<\/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. Lica cr\u00e9dit vous explique comment faire.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le cr\u00e9dit priv\u00e9 pour les rentiers AVS et AI - Lica cr\u00e9dit priv\u00e9 \u00e0 Vevey<\/title>\n<meta name=\"description\" content=\"Le cr\u00e9dit pour les rentiers AVS et AI est possible \u00e0 condition de respecter certaines conditions. 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