Personal Loan to AVS pensioners
Credial's financing offer designed for AHV pensioners and employees close to retirement
Finance your projects with complete peace of mind up to the age of 70
One personal advisor to help you at every stage of your financing
Your credit counsellor will take the time to establish with you a personalized budget that will allow you to ensure the balance of your finances while taking into account your pensions. He will assist you in preparing your file and until the funds are paid
One Confidential balance sheet and without commitment to your financial situation
We are doing a complete verification of your financial situation using Swiss credit information bases such as CRIF and ZEK. This information is essential to determine if you can get your credit, and we will present it to you in detail.
The possibility of reduce your monthly bills thanks to the Credial credit consolidation service
We offer you a complete analysis of your commitments and to combine your loans into a single monthly payment. This will allow you to simplify your finances.
The advantages included in your financing
Secure your budget with a reserve available in case of need
Your additional financial reserve is calculated according to the guidelines of the Consumer Credit Act (LCC) when assessing your credit capacity. It assures you of be able to better deal with unexpected expenses
Deduct fiscally and the full interest on your credit
Lower your taxes by deducting interest of your credit of your income. Take advantage of this advantage to optimize your budget and save money.
Allocate funds to the account of your choice.
As soon as your credit agreement is activated, the money will be transferred to the account that you will indicate to us. Use these funds as you wish, without supporting documents, whether to give life to a project or to face unexpected expenses
Un remboursement flexible adapté à votre pension
Bénéficiez d’un crédit avec des mensualités ajustées à votre rente AVS et autres revenus. Nos solutions s’adaptent à votre budget pour un remboursement sans pression. Profitez d’un financement simple, sécurisé et conçu pour les rentiers.
A dedicacted certified advisor who takes the time to support you
At Credial, we grant great importance to your experience by providing you with a dedicated certified advisor.
Our commitment is reflected in continuous investments in the training of our advisors, so that they can offer you real added value.
Your advisor will listen to your needs and will provide you with all the information you need to help you make the right decisions.
A analyse full analysis of your solvency data andde credit capacity
The analysis phase is important for the success of your financing and is part of our support.
This accurate assessment will allow you to better understand your current financial situation and precisely determine your credit capacity. Cela vous permettra dans certains cas d'éviter un refus.
A personalized credit solution tailored to your needs
Because you are unique, you deserve financing that really takes into account your needs.
Our commitment to transparency is to keep you informed every step of the way and to take the time to clearly present your financing solution to you.
The secured and confidential treatment of your data
The protection and confidentiality of your data is our priority.
We have implemented rigorous protocols for identifying, processing and storing our customers' data in order to guarantee their safety in all circumstances.
In addition, we strictly comply with the most recent laws and regulations in this area.
Is it possible to get a loan after 65 in Switzerland?
Yes, it is possible to obtain a loan after the age of 65 in Switzerland, but it must be repaid in full before the age of 70. Banks and credit institutions assess your repayment capacity by considering your AHV pension, any additional annuities (2nd and 3rd pillars), and other income, such as rental income from properties.
At Credial, we offer solutions tailored to pensioners, with monthly payments adjusted to your financial situation. Our advisors are here to help you find the best option based on your income and budget.
What are the alternatives to taking out a loan for retirees in Switzerland?
Retirees have several financing options tailored to their situation. Increasing the mortgage allows homeowners to access cash based on the value of their property. The Lombard loan offers financing secured by financial assets, but it involves market risks. Other options include installment credit cards, leasing to finance a vehicle without immediate ownership, or early withdrawal from the 2nd pillar to purchase real estate or repay a mortgage. Each alternative has its advantages and limitations, which is why proper financial advice is essential.
What are the conditions for obtaining a loan as an AI or AVS pensioner?
The requirements for obtaining credit as a pensioner depend on the type of pension you receive. For AHV pensioners, it is generally necessary to be under 70 years old at the end of the loan repayment period. For AI pensioners, it is important not to be receiving additional benefits.
A personalized, no-obligation analysis of your situation can be conducted to verify your eligibility for credit before you apply.
