Loans for Retirees: Financial Flexibility in Retirement
Even in retirement, you can obtain a personal loan in Switzerland. At privatkredit.ch, we assess your application individually and take into account your AHV pension, occupational pension, and other income. A loan for retirees offers financial flexibility for purchases, renovations, or other needs in retirement.
Requirements for retirees
The following requirements apply for a loan as a retiree:
- Regular income from AHV and/or occupational pension
- Residence in Switzerland
- The loan term should be chosen so that the loan is repaid before the age of 70
- No active debt collection proceedings
- Affordability of the monthly installments must be given
Required documents
- Valid ID
- AHV pension certificate
- Occupational pension certificate (if available)
- Debt collection register extract
- Tax return or tax assessment
Tips for retirees
Declare all income
In addition to AHV and occupational pension, rental income, capital gains, and other regular income also count.
Adjust the term
Choose a term that is compatible with your life situation. Shorter terms are often more advantageous.
Existing assets
Existing assets can positively influence the credit assessment.
Frequently asked questions
There is no legal age limit for loan approval. What matters is affordability. The loan term is set so that the loan can be repaid within a reasonable period.
Get a non-binding offer now
Calculate your personal loan installment – free and without obligation.
Calculate now