Loans for pensioners, AHV - IV
Do you have disability insurance as a IV pensioner and want to obtain a personal loan in Switzerland ?
Have you stopped working because you are retired?
The conditions for obtaining a personal loan are as follows :
Last 3 entry notices
If you are a AI or AHV pensioner, in all cases a decision will have to be made based on the last 3 notices of pension receipt.
Maximum credit amount
The maximum amount of the loan cannot exceed 5 times the monthly pension.
If you are retired / AHV pensioner
Minimum income of 3000 chf net per month.
Offer for AHV pensioners
- Interest rates: from 7.9% to 9.9% (If you are a homeowner, the starting rate is 6.9%, and can go down to 5.9%)
- Amount to be financed: from chf 5,000 to 80,000
- Repayment term: must be repaid by age 70
- No administrative costs
Offer for IV pensioners
- Interest rates: from 7.9% to 9.9% (If you are a homeowner, the starting rate is 6.9%, and can go down to 5.9%)
- Amount to be financed: from chf 5,000 to 80,000
- Repayment period: maximum 36 months
- The loan must be repaid by age 65
- No administrative costs
One of the lowest monthly payments in Switzerland.
Loan application Debt consolidation Loan application Debt consolidation
Documents to be submitted for pensioner AHV-IV
- For Swiss citizens: copy of identity card or passport or driving licence
- For foreigners: copy of residence permit (B or C)
- Decision on pension(s) (OASI, DI or BVG)
- Notice of receipt of the pension in your bank account for the last 3 months
- Last 3 bank credit notices of pension(s)
Additional conditions for acceptance of loan application
Other conditions of acceptance :