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Are there loans for pensioners?

Yes, there are many institutions that grant financing to people who receive a pension for retirement, since it is a periodic income that in many cases is enough to pay the installments of the contracted loan. There are several types of loans for pensioners, which we have divided into two large classes:

  • Private loans: loans granted by private companies not supervised by the Bank of Spain. Private equity companies do not usually demand such strict requirements as banking, so we will have more chances of approving our request. The amount that we can obtain with these credits for retirees will depend on the amount of money that we collect monthly and the conditions established by each lender.
  • Personal bank loans: many banks also provide loans for pensioners who receive sufficient income to pay the installments without problems. The price of these products is lower than that of private loans, although to get them we can take several days or even weeks.

Depending on how much money we need and the urgency with which we want to receive it, one type of product or another will suit us. For example, if we want to finance an ambitious project, it will be more important for us to request a loan for retirees from the bank, while if we need money to solve an unforeseen event, it is possible for us to request a loan from a PaydayNOW! 

Locks to get credits for retirees

The main impediment to being able to obtain loans for pensioners is an age since the people who receive a pension for retirement have a risk profile of default for death, illness or disability higher than younger people. Precisely for this reason, banks do not usually grant loans for retirees to applicants who, at the end of the term, have an age that exceeds 75 years. In the case of exceeding this figure, we may ask for an additional guarantee, such as a guarantee.

In addition, to contract a loan for pensioners we must, in most cases, also contract life insurance or payment protection linked to the loan that covers the payment of fees in case of loss of income due to illness, disability or death. As our age is more advanced, this insurance will be more expensive, so the price of the credit will also increase.

The rest of the requirements that we will have to comply with are the same that they would ask us if we were self-employed or self-employed workers. In the first place, they will require us to have a level of income that allows us to pay the monthly installments of the loan for retirees within the term and, secondly, they will demand that we do not have unpaid debts recorded in files of defaulters such as ASNEF, RAI or EXPERIAN. If our data appear in a list of unpaid debts, no bank will grant us financing, although a few private companies will approve our request if our volume of debts is not disproportionate.

Keys to obtain a credit for pensioners at the best price

Precisely because we are retired and we need peace of mind, we do not want the loan we hire to cause us shocks due to unexpected expenses or abusive clauses. If we want to obtain loans for pensioners at a good price and without surprises, we must take into account the following keys:

  • Analyze our reimbursement capacity to know how much money we can ask for and in how much time we should return it.
  • Compare all available offers to find the one that offers the most advantages. With the Comparator of HelpMyCash we can check the conditions of all the loans for marketed pensioners and choose the one that suits us according to our needs and our profile.
  • Read the contract carefully before signing. This will ensure that the content of the clauses matches the conditions previously agreed with the lender.

The Mauritanian activist Aminetou Mint Ely, in Galicia with the help of Abanca and Fundación Terra de Homes

The Mauritanian activist Aminetou Mint Ely, in Galicia with the help of Abanca and Fundación Terra de Homes

Abanca has launched a forum to promote the development of social responsibility in business in Galicia, an initiative whose first edition will take place this Thursday at the Pazo de Iñás, in Oleiros (A Coruña), with the presence of the president of the Association of Women Head of the Family (ASCF) of Mauritania, Aminetou Mint Ely.

His presence also coincides with the recognition that will be presented to him this Friday at the solidarity gala that the non-governmental organization Tierra de Hombres celebrates every year in A Coruña.

The presentation of the Abanca Responsable Forum, made up of some 40 members, including companies and representatives from the third sector, took place at the Abanca headquarters with the presence of the Mauritanian activist and the delegate of Tierra de Hombres in Galicia, Raúl Besada, besides the director of Corporate Responsibility of Abanca, Tatiana Suárez.

In it, the representative of this financial institution has explained that the forum, which already includes companies such as Repsol, Feiraco and Froiz, as well as others of smaller size, as well as members of the third sector, will have a biannual character with the organization of work tables or other initiatives like the one that will take place this Thursday.

SOCIAL RESPONSIBILITY IN SMEs

SOCIAL RESPONSIBILITY IN SMEs

Regarding its objective, it has said that it is “contributing to the development of social responsibility”, but aimed, above all, at small and medium-sized Galician companies. “Identify those good practices,” he summarized. Meanwhile, he said that they will also work with entities of the Third Sector in a proposal that adds to other initiatives promoted by the entity and covering areas such as education.

Regarding this first edition, he remarked that “the protagonism” will be Tierra de Hombres and the activist Aminetou Mint Ely, who has thanked the support they receive from Spain and, in particular, the one she had after being imprisoned in several times for the work that develops in your country.

HELPS WOMEN AND MINORS

HELPS WOMEN AND MINORS

About the work carried out by his association, he explained that it focuses on helping children who are exploited, promote their integration into the educational system, collaborate in the labor insertion of adults through small loans or provide food and school and health equipment to different collectives.

On the other hand, he recalled that the collaboration with Tierra de Hombres began in 2009, but that, a year ago, his work is carried out with the help that this organization achieves with its initiatives in Spain. “Mauritania is a crossroads of all traffics, drugs, human beings …”, he has quoted in exposing the situation in his country “with the use of children to spend drugs,” he said.

In addition, it has remarked, especially, the situation of women and girls, “with forced marriages between 4 and 14 years to save the honor of the family.” Faced with this, he explained that they have seven centers throughout Mauritania and 380 points distributed in neighborhoods and different regions, as well as lawyers and staff who carry out their work without waiting for the funds to reach them.

“We work with the determination not to wait for money,” he said. On the other hand, the balance of their activity, has highlighted that they have managed to help more than 13,000 children who were exploited by employment, integrate into the educational system to more than 6,000 or give assistance to more than 600 marriages through a system of small loans. “We have 887 young girls who have reached the age of schooling,” he added.

MEN’S EARTH GALA

MEN

However, she has admitted the difficulty of a job for which she and other collaborators have been imprisoned. However, he highlighted the achievements and the need to continue “working”. Thus, he recalled that, with the help of Tierra de Hombres, they are working to repatriate children separated from their families with just three years.

For his part, Raul Besada has highlighted initiatives such as the one promoted by Abanca, while underlining the “recognition” of the work of the Association chaired by Mint Ely for his presence in this forum and also with the act scheduled this Friday at the gala of Tierra de Hombres, at 8:00 pm, at the Ágora Center. In it, in addition to the work of Mint Ely, the work of other entities and people will be recognized.

Economy.- (Ampl) The ECB revises upwards its growth and inflation forecasts for the eurozone

The ECB revises upwards its growth and inflation forecasts for the eurozone

Draghi assures that the ECB has not considered a sudden interruption of its debt purchases, which since January have fallen to 30,000 million per month.

The European Central Bank (ECB) has revised “substantially” upwards its growth forecasts for the euro zone, which will grow by 2.4% in 2017, compared to the 2.2% estimated in September, accelerating its expansion to 2, 3% in 2018, half a percentage point more than previously forecast, according to the president of the institution, Mario Draghi, who has also slightly improved the inflation forecasts, although this will remain below the target of price stability of the entity .

“The ECB has substantially revised up the GDP growth forecasts,” said the Italian banker in his usual appearance before the media after the meeting of the Governing Council of the ECB, which decided to keep interest rates at 0% and not alter the roadmap of the measures of stimulus of the entity, which from the month of January will reduce to half of its purchases of assets, up to 30,000 million euros per month.

Looking to the longer term, the ECB expects that the economy of the euro zone will grow at 2019 at a rate of 1.9%, two tenths above the previous forecast, while it has presented for the first time its projections for 2020, when The central bank is confident that the eurozone will grow 1.7%.

Regarding the risks surrounding these forecasts, Draghi stressed that they are “broadly balanced”, since the strength of the cyclical impulse could lead to positive surprises in the short term, while the downside risks continue to be related to global factors and the evolution of the currency markets.

With regard to the evolution of prices, the ECB’s new projections have been revised upwards to reflect the impact of the evolution of oil and food prices.

With regard to the evolution of prices, the ECB

In this way, the central bank forecasts that inflation in 2017 will be at 1.5%, in line with the September forecast, while for 2018 it expects a price increase of 1.4%, compared to the previous one, 2%, which in 2019 will be 1.5%, in line with what was previously anticipated, reaching 1.7% in 2020.

However, despite the slight upward revision, inflation forecasts suggest that prices will remain below the ECB’s stability target, which speaks of a lower level, but close to 2%.

“How close?” Draghi questioned, that if the ECB forecasts are fulfilled, he will abandon the presidency in the fall of 2019 without having reached that goal, pointing out that he is questioning whether he expects to raise rates during his term in office. the future would be good news “because it would show that inflation is self-sufficient.

“Our monetary policy decisions have preserved the very favorable conditions that are still necessary for a sustained return of inflation to lower levels, but close to 2%,” said the Italian banker.

In this regard, Draghi reiterated that the ECB has not even discussed the option of a sudden interruption of its asset purchase program, going from 30,000 million monthly to zero, although it has not offered new clues about a potential calendar for the gradual reduction. of the scope of the program.

LOSSES IN THE PURCHASES OF CORPORATE BONDS.

LOSSES IN THE PURCHASES OF CORPORATE BONDS.

On the other hand, Draghi was asked about the potential losses of the ECB related to the purchases of bonds issued by Steinhoff, a multinational domiciled in the Netherlands and owner of companies such as Conforama or Hertz, whose value has plummeted after the company has recognized errors in their accounts for 2017 and 2016, which will be reformulated.

“We are very transparent with our purchasing program,” said Draghi, noting that it is not unusual for losses to be recorded, although he stressed that in the case of Steinhoff the latent losses are much lower than reported and represent “a small figure “

“As soon as we heard we stopped buying,” Draghi said, adding that the bank could sell or not, so the losses are latent and in any case “they have exaggerated.”

Steinhoff International Holdings has revealed on Thursday that the errors detected in the year 2017 “are also relevant for 2016”, so the company will reformulate its accounts.

At the beginning of December, the supervisory board of the multinational revealed that a series of accounting irregularities related to the “validity and recoverability” of certain items in Steinhoff Europe’s balance sheet for 2017 had been detected, ordering an independent investigation of PwC, After what the then CEO of the company, Markus Jooste, submitted his resignation.

In this sense, the multinational has indicated today that, with the advice of the independent committee of the supervisory board, has formed the opinion that the problems on the validity and recoverability of certain assets in the balance sheet of Steinhoff Europe examined in the audit of 2017 are also relevant for the consolidated financial year of 2016, so the company’s accounts need to be restated.

In this way, Steinhoff International Holdings has recommended to its shareholders and other investors that they be prudent when negotiating with the company’s securities.

Steinhoff shares, which are quoted on the Frankfurt Stock Exchange, lost more than 10% on Thursday, to quote below 0.60 euros, representing the loss of 80% of its value since last December 5, date in which the first irregularities were known.

An Organization of Distinction

The Saint Louis Ambassadors is a civic organization dedicated to supporting St. Louis through volunteer and financial activities in partnership with philanthropic, governmental and community organizations. The Ambassadors are committed to promoting St. Louis as the finest place in which to live, work and raise a family.

It makes no difference where you live in our bi-state region. If you are concerned about our community, you are invited to be part of The Saint Louis Ambassadors.

The Ambassadors offers its members a unique combination of civic challenges, community participation programs and a variety of enjoyable sporting and social events. If you believe in St. Louis, you should be a Saint Louis Ambassador. The cost is minimal, the return is great.

We hope you will take a few minutes to review this informational brochure, fill out the membership application today green-touch.org.

We look forward to having you join us as we all strive together to make St. Louis the great place to live, work and raise a family that we all know it can be.

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