Retirement loans for BancoPosta 2016

How to apply for loans for retired BancoPosta , with details on the documentation to be provided to the Poste Italiane, the time that can pass between the signing and the definitive granting of this form of financing, the minimum and maximum duration, the insurance necessary to bring to terminate your request and the form of charge provided.

Quinto BancoPosta can be a suitable solution for your investments, if you have a fixed pension paid monthly by one of the institutions between Inps and Inpdap that meets all the requirements in force on the service offered by Poste Italiane, which mainly refer to the valid state regulation for each credit institution.

BancoPosta loans for pensioners are made by transferring the fifth from the pension, corresponding to an installment of up to one fifth (20%) of the amount received on a monthly basis, on the basis of the amount agreed with Poste Italiane at the time the loan is signed.

BancoPosta loans for pensioners 

To be decided there will, of course, also the amount of the loan , which you can have available even within a few days if there are no hitches in the procedure, due to problems in the documentation provided. They consist, in addition to the identity document and the tax code (health card), even in the coupon of the pension, replaceable by a copy of the last CUD presented.

The balance of interest will be structured by BancoPosta in monthly installments , the number of which varies between a minimum of 36 (for a total of three years) and a maximum of 120 (amount to be repaid in ten years). You will not have to worry about anything, because the amount of the agreed pension will be automatically deducted from the amount received each month.

Lastly, it should be pointed out that loans for BancoPosta pensioners can only be granted to those who have not yet reached the age of 80 on the expiration date of the loan, whereas foreign citizens must have resided in Italy for at least five years.


Compass: affordable retirement loans

Compass offers attractive retirement loans that you can choose to fund your projects. Today we will see, in detail, what this important financial offers and how it is possible to apply for funding very quickly.


If you are looking for a loan, a transfer of the fifth or a loan to be requested, at favorable conditions, by transferring the fifth of the pension, then you can not miss our review of the pension fund offered by Compass and available throughout the country.

Retired Loans Comp

Compass offers a transfer of the fifth of the pension , a very interesting solution that allows access to credit quickly and easily. In particular, we must point out the possibility of accessing the agreements signed with INPS, former ENPALS and former INPDAP, which allow to obtain favorable conditions with respect to the normal loans granted by the financial institution.

This loan is provided without the need to specify the purpose, being able to request it even for liquidity. This financing, in fact, is a non-finalized loan. The insurance is included in the financing in case of death mandatory by law for this type of products.

The provision of this loan is limited to holders of a retirement pension but with a maximum age of 85 years. The loan can only be requested if the pension is worth more than € 495.43, net of the transferable quota.

Calculation of the installment and online estimate

Calculation of the installment and online estimate

In general our judgment on this product is very positive. Interest rates are quite competitive and the lack of brokerage fees makes everything even cheaper. As for the request, several documents are necessary, which should be prepared in advance to avoid lengthening the delivery time.

In particular, you need a valid ID, the tax code, of course, the pension slip (in the case should be sufficient even the crediting of the pension in c / c), and certification of the transferable amount issued by the INPS. The time for obtaining a loan for pensioners with Compass is quite limited and there is the possibility of accessing the credit even for those who have been reported as bad payer or, even worse, is protested.

Why choose the financial Compass

Why choose the financial Compass


Overall we can say that the financial is one of the most dynamic and interesting solutions to access credit quickly and at advantageous conditions. This is a credit institution that allows you to get capital for liquidity or to face a major expense without having to do long runs in the branch and this, as you know who follows our site, is an added value, especially in the current world where the time can be considered the most precious asset.

In addition, the many products offered make it possible to satisfy the different needs of customers: ranging from loans for retired people to those for public or private employees, to get to students and freelancers.

Employee loans

Employee loans


An important aspect of the funding provided by compass is that related to the transfer of the fifth salary or pension. This instrument of access to credit, in fact, is essential if you have a permanent employment contract or a retirement pension.

With the assignment of the fifth Compass it is possible to request and obtain a loan that has an installment with a monthly amount not exceeding one fifth of one’s income. If, for example, you have a paycheck or a pension of 1000 euros the installment of the reimbursement of the transfer of the fifth can not exceed 200 euros. This aspect serves to avoid excessive indebtedness and a consequent difficulty in repaying the personal loan.

Loans without Envelope Pay for Retired


To try to apply for a personal loan without being in possession of a paycheck or a valid pension slip, turns out to be one of the most complicated and almost impossible operations of our financial system today. This is because the guarantees preferred by banks or institutions that deal with the provision of various loans and loans, are precisely the gains derived from the emoluments in question.

However, with many difficulties, it has finally reached a situation in which, by playing on types of alternative guarantees , credit institutions that allow the request for funding also by pensioners who do not have paychecks, are significantly increasing: therefore open a gash in the impenetrability present until recently as regards this type of requests.

In this regard, in the following paragraphs we will analyze how it is possible to apply for loans without paychecks for retired people and which are the credit institutions and institutions that allow this difficult operation to be carried out.

What does “without payroll” mean?

Before proceeding with the reading of the article, it is good to make a small premise about the expression “without payroll” , which can not and must not in any case correspond to the total absence of money.
Without having any kind of remuneration in fact, even for pensioners , it will not only be difficult to request any type of financing, but it will even be impossible ; however there are different financial institutions that provide small amounts of money to those who receive income different from the classic paycheck.

Even retirees or atypical workers who do not have a demonstrable income but have a small alternative pay (which we will discuss in the next paragraph) will be able to apply for a loan.

Alternative guarantees

Alternative guarantees

In the introduction we talked about the paycheck in relation to an important – if not the most important – guarantee required by the credit institution for the purpose of providing a specific loan: well, for those who did not have this type of guarantee available , there are some alternatives that can be used to disengage from this peremptory obligation .

Take for example the possession of a rental property: in such a case it will be sufficient to dispense the property document to its financial institution , a fact that will almost certainly lead the institution to gloss over the lack of an income guarantee.
In this case, it will be sufficient to show the rental contract and then provide a statement to show the regular payment of the rent by the tenant.

Another example of an alternative guarantee to the profitable one for pensioners without paychecks who want to apply for a loan is to demonstrate a certain financial income.
The customer could in fact have available an invested capital capable of procuring a certain annual return , which would not however exclude the need for the owner to need further generic liquidity.

Lastly, let us consider an example of the total absence of guarantees that can be enjoyed by the client: in this case, it is still possible, for the pensioner who has not even the above mentioned guarantees in addition to the income factor, to resort to small loans or private loans.
The former are precisely loans that certain banking institutions grant even without the aid of a pay check to those who need small amounts; however, in this case the interest rate applied will obviously be higher than the average, reporting values that are close to the limit imposed by the law.

Loans granted by private individuals are also one of the last solutions that can be used in case of absence of guarantees : in this case the rates applied are much cheaper than the situation previously illustrated, even if the maximum ceiling that can be requested is still around 2,000 euros.

PostePay payday loans

One of the most available companies to retirees – and not only – who need a personal loan while not having a paycheck , is certainly Poste Italiane , which with its PostePay prepaid card of the Postemat circuit , has created a valid alternative system to obtain the desired financing even without the guarantee in question.

But let’s see in detail what the Poste proposal consists of.

For those who hold PostePay, a prepaid card usually used for online payments and at stores, you can access the SpecialCash Postepay personal loan, designed specifically for retired , unemployed and atypical workers who do not have a demonstrable income.
The loan in question can be requested at any branch belonging to Poste Italiane , and does not need any guarantee, including the usual obligation to be Italian citizens , in this case for the absent note.

It will be sufficient to present the identity card, the health card, the Postepay on which the loan and the income certificate will be credited, as well as the passport and valid residence permit in the case of a foreign applicant.
Regarding the minimum and maximum age , the funding may be granted to individuals aged under 18 and not more than 70.

The operation of this financial solution developed by Poste Italiane is very simple: the entire sum of the capital provided will be credited to PostePay , and will be ready to be used by the beneficiary. The payday loan includes an amortization plan based on a specific grid that takes into account three different brackets depending on the capital required (divided between 750, 1,000 or 1,500 euro), and will vary, depending on the contract, on the basis of the possibilities cost of the customer who can request for a minimum of 750 euros to a maximum of 1,500 euros, repayable in a period of time ranging from 15 to 24 months.

The interest rates applied, always calculated on the basis of the scale for the sum requested, may correspond to € 74 in the case of the first band, € 136.50 in the case of the second and € 232.50 if an amount due to the third group is requested. .

The guarantees requested by Poste for the provision of this particular type of loan, are absolutely absent , and the amount disbursed can be returned via postal bills or via their current account if the customer is a current account holder of Poste Italiane.

The Intesa Sanpaolo proposals for pensioners

Another solution in terms of credit companies that pensioners without paychecks can resort to is Banca Intesa Sanpaolo , a very well-known bank in Italy.
The credit company in question is often associated with the most sensitive cases, such as the provision of loans to young people , atypical workers and the unemployed .
But Intesa Sanpaolo leaves no one behind, and proposes a cost-effective solution for retired people who do not have regular paychecks.

There are several strategies that the bank in question has proposed to its more “difficult” customers: from Monorata to the Maxipignoratizio , the loans designed by Intesa Sanpaolo have been developed respecting a series of characteristics typical of those who can not afford the classic request for a loan by presenting the paycheck as a principal guarantee.

To request one of the loans that we will quote below in fact, you will only need to have some documents that demonstrate the possession of an income “accessory”.

The first loan that we report is the Monorata , which allows you to concentrate all loan installments into one , so as to be more easily manageable.
Another alternative consists of the Maxipignoratizio loan, which allows you to obtain up to 100,000 euros with the sole aid of securities or deposit guarantees made with Intesa Sanpaolo itself.

Mini loans and bills

Mini loans and bills

Be it young, old or retired, in the age in which we live, most people have an incredible weapon to exploit in the most critical cases: the web .
By doing more or less in-depth research it will be possible to find the perfect solution for your situation : in this case, for example, it can be much simpler than what is believed to be 100% financial certified online willing to provide a loan to those who do not own a paycheck.

Mortgages for pensioners 2016

Lighting a mortgage is essential if you want to buy a home . What many people do not know is that retired people can also access this form of financing that allows them to defer such an important expense as buying or renovating a property . Compared to normal loans of this type, pensioner loans have limitations due, more than anything else, to the age of the applicant.

In this short guide we will try to analyze the merits and defects of this type of product and we will go to select the best proposals of the moment among those offered by the major banks in Italy. If you are looking for a home loan for retired you just have to read this page to the end so as to discover all the news in the industry.

How pensioners work

Funding for the purchase or renovation of a home provided to retirees does not differ, much from those granted to any other person. As we have said, the only substantial difference is that linked to age constraints that could limit, in part, some requests for funding. Usually, in fact, banks tend not to provide mortgages to those over 80 years old at the end of the loan .


There is also to say, however, that this limit can be circumvented by signing a life insurance policy that protects the bank, in case of death before the conclusion of repayment of the loan. That said let’s see in detail how these products work by analyzing both those for the purchase of a property, both those for restructuring.

Retired mortgages buying home

Retired mortgages buying home

When it is necessary to finance the purchase of a property, the bank tends to apply precise rules. First of all, the capital that can be financed does not generally exceed 80% of the value of the property. This means that on a house of 200 thousand euros (the appraisal of the technician appointed by the credit institution will attest), the bank will grant a maximum loan of 160 thousand euros.

The value of the installment is given by the interest rate (Tan) plus any costs of practical management, costs of investigation, insurance expenses, etc. which constitute the Taeg, ie the effective rate. To determine the tan the bank starts from the official exchange rate, (usually the Euribor) to which a spread is added that varies according to many parameters.

Retirement mortgages for restructuring

Retirement mortgages for restructuring

As regards restructuring , the same rules that we have already explained for mortgages for purchases are more or less in force. To this must be added, however, that the bank wants to always have the estimate of the restructuring, the eventual project and the provision of capital usually takes place upon invoice presentation of the company in charge of the works.

Mortgages for restructuring are very common among pensioners because they allow you to modernize your property (perhaps to make it compatible with the new rules in terms of safety and energy consumption) at completely affordable costs.

In principle this type of financing represents a real opportunity for all those pensioners who are faced with important expenses such as those related to the renovation of the building.

Preferred pensioners

Preferred pensioners

Before moving to analyze what are the best home loans for retirees we want to spend 2 words with regard to any benefits that the sector reserves to those over 65 years of age . For many pensioners above this threshold, in fact, there is the possibility of obtaining subsidized loans.

Some lenders do not charge practical management fees, others apply more advantageous interest rates than usual. To find out what the advantages are and whether there are any discounts available, you can obtain information from INPS or your pension agency.

Inpdap Pensioners Loans


Inpdap loans for retirees are a precious resource for those who want to obtain cash to meet daily or family needs, including the so-called fifth transfer that has also been granted to pensioners in recent years. A loan of up to 120 months that may also be requested by private entities such as financial institutions and banks affiliated with INPS and which are provided with very privileged interests and well below the common personal loans normally granted by banks. Those who want to evaluate all the estimates issued by the institutes can always access the portal which will compare all the alternatives present on the net with the prospect accompanied by the interest rate and the costs to be incurred for the loan such as insurance coverage and practical opening.

Inpdap loans: rules and requirements

Inpdap loans: rules and requirements

The transfer of the fifth is a form of financing guaranteed by the pension provided by INPS and is reimbursed through automatic deductions of the fifth of the pension. A formula that represents a valid guarantee for the credit institutions and that represents a guarantee also for the pensioner. The amount of the installment varies depending on the duration but also on the amount that the pensioner intends to perceive. The amount of the installment, precisely as a transfer of the fifth, depends on what the applicant receives as a pension. The higher the value of the pension, the greater the rate and the amount that the pensioner will receive. It should not be forgotten that the amount of the installment must be calculated net of withholding tax and social security, just to not go under the minimum pension amount that the law establishes.

Estimate and installment calculation

Estimate and installment calculation

Once the green light has been obtained by INPS, the sum is paid by the bank or financial company immediately to the bank account of the applicant. On the website, the offer of the various credit institutions can be compared and it is also possible to request the issuance of an estimate, filling in the appropriate form with all the personal details of the applicant and the amounts received by the applicant as a pension. The former Inpdap loans represent, therefore, a truly precious resource for those who have immediate liquidity needs at really low rates. Lines of credit that are reserved for public pensioners only and therefore represent an indisputable privilege.

Retired former Inpdap loans are provided directly by INPS and consist of two types: small loans and multi-year loans. The small loans are maximum quantifiable in 8 salary payments received by the pensioner. The sum received can be repaid in installments up to 4 years with Tan applied of 4.25%.

Even multi-year loans have even lower rates (3.5%) and a duration that can be extended to 10 years for repayment purposes. It should not be ignored that for long-term loans, the pensioner must document the real needs and therefore the amount varies depending on the destination of the sum.

Loans for pensioners Inps of Compass

The Compass provides loans to pensioners up to over 75 thousand euros, but it must be taken into account that retired former Inpdap loans are granted only to public pensioners. Private pensioners may instead opt for the sale of the fifth of Compass’s pension.

For this type of subsidized loans, Compass provides up to 75 thousand euros to be repaid with an amortization plan that can even reach 120 months, ie 10 years. Low interest rates will apply and management costs or practical openings will not have to be incurred. The Compass on its portal has made available to customers a section dedicated precisely to the simulation of estimates, to evaluate the figures perceivable according to the pension provided by the INPS and to calculate the installment and rates that will be applied.

But not only Compass performs this service. On the web you can find many online portals reserved for personal loans for retired Inpdap for a quick and comprehensive quote. Loans that are disbursed at very low rates, on the basis of agreements stipulated by the institutions with INPS. These forms of financing are closed to all pensions whose amounts do not exceed € 600 and those who receive other forms of pensions such as disability pensions, social pensions and Inail pensions.

These forms of financing may also be accessible to inpdap pensioners who are foreclosed or protested, as these are absolutely guaranteed loans from the pension provided by INPS. Very rapid practices that often complete in just 48 hours and the amount is disbursed promptly and immediately credited to the applicant’s account. So it is easy to deduce the fact that one of the main requirements for requesting these forms of financing is the possession of a bank account. Who does not have it must necessarily open one (or with the Italian Post Office or with a credit institution).

How much you can request: amount and interest rate

How much you can request: amount and interest rate

It should also be noted that in order to obtain these subsidized loans for pensions, it is not necessary to present certifications certifying the reasons for which the sum is requested. The Inpdap 2017 offer allows the provision of multi-year direct loans and guaranteed multi-year loans. The pensioner’s profile and the size of the pension are key and determining elements for identifying the amount perceivable by the pensioner. It should not be forgotten that the installments can not be less than 12 months and can not be more than 4 years. The Tan of the loan never exceeds 4.25% for small loans but it should also be stressed that the total amount to be repaid must also include the risk fund premium, a sort of insurance that guarantees the company that provides the credit in the if the pensioner fails before the loan is fully repaid. It is these guarantees that allow the disbursement of credit with preferential rates. If, on the other hand, the applicant needs a higher loan, he can opt for the direct multi-year loan but in this case the documentation will be required to justify the amount paid.

Multi-year financing

Long-term loans are granted through the transfer of the fifth and therefore the installment will never be more than 20% of the amount received by the applicant as a pension. The sum must be repaid over a period of five to ten years. The applied TAN will be 3.50% but also in this case the risk fund premium must also be added to the total amount to be repaid. In order to apply for and obtain a long-term loan, no documentation must be produced and only the classic certificate of sound constitution of the pensioner. In the event that the applicant dies before the loan has been fully repaid, the insurance company will pay the missing amount. This is why, for this form of financing, the term ‘guaranteed’ is added. For example, lending companies like Findomestic do not grant any kind of funding to those over 75 years of age.

For amounts of 15 thousand euros, the installment to be repaid will be 170 euros for 120 months (ten years). You will not have to reimburse expenses for the opening of the file and no expense for the classic stamp duty and bank commissions. The Tan that generally applies Findomestic for this type of financing is 6.46%. Obviously the rates are purely indicative, as they always depend on contingent factors and the decisions taken by the European Central Bank. In conclusion of this article it is fundamental to underline that today the pensioner has different resources to access credit if at some stage of his life he needs liquidity to face sudden emergencies that may also concern health. If you have to buy a car, finance a pleasure trip or marry your children, using the credit facility is the option we would like to recommend in order to qualify for a guaranteed loan at very competitive rates.

Small loans for pensioners of 1000 euros

It can often happen that you suddenly need a small amount of money (for example 1000 euros ) to do a little work that we had in mind, buy an appliance , give a gift to loved ones etc.: in this case the first thing to do is apply to a financial institution , but not all banks grant loans with minimum ceilings equal to the amount indicated in the previous lines, and it could therefore be a little inconvenient to identify the credit institution capable of satisfying its needs.

On the other hand, however, there are some credit institutions that have dealt with the planning of 1000 euro loans with subsidized rates and advantageous conditions . In this regard, in the following lines we will deal more in depth with these small loans , which have the advantage of not providing excessive guarantees to be provided in the contract.

In addition to the main features of these loans and the general requirements to be met, we will ultimately analyze one of the financial proposals that offers the most advantageous type of loan from 1000 euros, so as to provide a practical and immediate example that can be useful to those who want to request a small sum on loan.

Get small loans from 1000 euros with little guarantees

As has been anticipated in the previous lines, asking for a small loan of 1000 euros may not be as simple as you might think at first. The majority of banks and credit institutions, in fact, offers types of loans without transfer of the fifth with minimum ceilings that are around € 5,000. However, loans such as those of Postepay (SpecialCash) or INPDAP (small INPDAP loan) make it possible to obtain modest financing without even having to present too many guarantees.

Instead of lending to most entities in fact, for loans from 1000 euro is often not necessary to provide new guarantees nor takes into account the financial situation of the applicant, but there is just limited to use as collateral the paycheck, the unique pattern o the pension slip depending on the use made.

In order to obtain small loans of 1000 euro , there are many ways to do so: in addition to the canonical financing provided by banking and social security institutions that we mentioned earlier, there are also loans that are changed , which are characterized by the presence of a bill used for the payment of periodic installments. This type of loan is particularly suitable for financing small amounts of money and is much faster than other methods of providing money.

Findomestic products: estimate and installment calculation

Findomestic <a href=products: estimate and installment calculation” />

After talking about the characteristics of small loans of 1000 euros and the advantages that characterize them, in this paragraph we analyze more specifically the example of a company that provides this type of financing.

The Tuscan credit institution Findomestic offers the possibility to request small amounts online in a completely safe and convenient way . The product that the company offers allows in fact to obtain figures ranging from 1000 to 60,000 euros and to obtain them it is necessary to have a few simple requirements: the Italian residence, the verification of income, the possession of a current account and the age between 18 and 75 years.

Financing of this type is granted by Findomestic with repayment plans ranging from 36 to 96 months , and can be easily requested online . In fact, at the Florentine financial website , there is a dedicated page that allows you to make an accurate estimate with the customer’s personal data and the desired amount, and once the confirmation of the estimate has been completed, all the loan operations will be simple and immediate thanks to the practical Digital Signature function provided by Findomestic.