From April 1, 2024, UCB offers a new product for our oldest clients – pensioners. We prepared a special offer; loan up to EUR 12,000.00 that is secured by life insurance for which the Bank pays a premium. Interest rate is very favorable 7.50% on an annual basis.

  • Fast loan approval procedure;
  • Free life insurance policy;
  • Loan secured by life insurance for which the Bank pays a premium;
  • The most favorable interest rate
OptionLoans for pensioners with free life insurance policy
Interest rate7.50 %
Maturityup to 84 months
Amountup to 12.000 EUR
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

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 amount12.000,00 €
Number of monthly instalments84
Monthly instalment182.60€
 Administrative fee
       1. Loan processing fee 0%0.00 €
       2. Cost of RKB report3 €
       3. Cost of two exchange bills4 €
Nominal interest rate7.50 %
Effective interest rate7.52 %
Total repayment15,345.40 €

The life insurance policy is paid by the Bank and is not included in the EIR calculation.

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

Start typing and press Enter to search

WordPress Themes