Private lending for AVS and AI annuitants

credit for annuitants

Are you an AVS or AVI annuitant?

AVS and AI are the two providers of the first pillar. Old age and survivors 'insurance (AVS) pays pensions to retirees and widows, widows and orphans' pensions to survivors. While Disability Insurance (AI), it pays benefits (annuities) to people who are disabled. We will therefore see how these three types of beneficiaries can take advantage of funding when they really need it.

What are the conditions for obtaining private credit?

Even if it is possible to do a personal loan application when you are an AVS / AI annuitant, not all banks will necessarily accept your request. In order for your file to be processed at a bank, you will need to meet the following conditions:

  • Your AVS or AI benefits, second pillar pensions and any other source of income total at least CHF 2,500.- per month
  • You are under 70 years of age when the contract is concluded
  • You have no pending lawsuits (acts of default included)

With Lica, you have every chance of obtaining credit on very advantageous terms by being an annuitant. Take advantage of making your request for free and without obligation. Together we will find a solution to obtain the desired financing.

What repayment periods are possible with a loan for annuitants?

The age policy with banks is set between 62 and 64 years to achieve a loan. However, in some cases it is possible to take out credit for annuitants up to 70 years old. So AVS / AI annuitants benefit from the maximum duration of the contract, generally a maximum of 48 months.

Interest rates for annuitants

For people in receipt of an annuity, the interest rates for personal loans generally vary between 3.95% and 7.9%. The rate will mainly depend on the individual situation of each applicant. Lica always offers you the best rates available for your private loan based on the results our advisors obtain after negotiation.

Credit for annuitants what documents must be provided?

For the correct processing of your file, you must provide:

  • Copy of your identity card
  • Copy of the AI / AVS / Pension fund decision
  • Copies of your last 3 account statements on which you receive your pension (s)
  • Copies of your last 3 additional income payslips (if applicable)
  • Lease or mortgage contract
  • If you are married or living as a couple:
  • Copy of Swiss identity card or residence permit of your partner.
  • Copy of your last 3 payslips and the last 3 certificates of additional income from your partner (if applicable).

Why choose LICA

The advisors at Lica process your case transparently and very efficiently. We study your current situation, we think about your budget, and then we offer you financing that is perfectly suited to your situation. Lica also negotiates your interest rate so that you get the most advantageous offer on the market.

In addition, at Lica you benefit from an additional cashback to your financing and thus receive more money than with our competitors!

Based on 40 reviews
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Ferreira Alberto
Ferreira Alberto
08:16 09 Sep 22
Many thanks to Lica and especially to François Guss. Your efforts do not go unnoticed. Thanks for your help and support. You are truly an asset to your team and to the entire organization. Your work ethic and your involvement are admirable, we are lucky to have someone as dedicated as you on board!
Cecilia de Jong
Cecilia de Jong
08:57 15 Jul 22
The person of my answer is very professional, efficient, reliable, diligent, updates my requests at all times, I am very grateful to Omar Gourgel, who always takes good care of my file, Bravo it is magnificent and excellent! Cheer! The employer should be proud of him, applaud and promote him please 👍🏻👍🏻👍🏻👍🏻
Thelight33 World
Thelight33 World
15:14 13 Jul 22
I was very satisfied with the services of Mr. Omar Gourgel, I highly recommend him! 👍
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✓ Your request in less than 2 minutes
✓ The best market conditions
✓ A response in less than 24 hours
✓ No application fees