Universal Capital Bank has prepared a special offer to pensioners, according to their needs.
Loans for pensioners up to 15.000 EUR, no guarantor, and up to the age of 78 at the moment of last loan instalment.

OptionLoans to pensioners
Interest rate6.49 %
Maturityup to 84 months
Amountup to 15.000 EUR
Life insurance policymonthly or single upfront payment
Necessary documentsFilled out loan request form
Certificate of pension amount from RF PIO
Photocopy of applicants ID card
Collateralbill, administrative order, life insurance policies
Loan processing fee0%
Mode of repayment Monthly payments


Minimal loan amount for approval is 500.00 Euros and maximum is 15.000.00 EUR.

Special Requirements:

  • Amount of annuity: No more than 50 % of amount of pension.
  • Alterations of these rules are possible only if additional co-signers/co-borrowers are included.
  • Bank reserves the right to approve a loan to the regular clients without co-signers, and to request one or two co-signers / co-borrowers, insurance policy or other means of additional collateral from the clients with whom the Bank had no prior business cooperation, all in accordance with estimated creditworthiness of the client and its employer.

The Bank, with special agreement on co-operation, can contract an insurance company partner for this type of loan


Total loan amount15.000,00 €
Number of monthly instalments84
Monthly instalment221.32€
 Administrative fee
       1. Loan processing fee 0%0 €
       2. Cost of RKB report3 €
       3. Cost of two exchange bills4 €
       4. Life insurance policy premium17.45 €
Nominal interest rate6.49 %
Effective interest rate9.04 %
Total repayment20,081.13 €

The loan calculator is informative. The costs involved in the processing of the loan are shown in a representative example.

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