To cope with the challenges of retirement, seniors can use consumer loans. Without the intermediary of banks, the credit conso offers attractive conditions to reduce the cost of its loan, a need for a retiree with declining revenues.
The figures of retirement
After a busy working life comes the time of retirement. France has nearly 20 million retirees, more than half of whom depend on the general scheme for private employees. The legal age is 62 in France, 65 for complementary pension schemes by points. For a full pension, you have to contribute 160 to 172 quarters, or 40 to 43 depending on your year of birth. In all cases, retirement has two consequences:
• more free time;
• less income!
Retirement pension refers to about 75% of net retirement income for a retiree benefiting from all quarters. The average retirement pension is around € 1,300 gross in France, less than half the average gross salary (€ 2,800). For retirees who have completed a full career, the retirement pension exceeds an average of 1,700 euros per month. Revenues down, while there is so much to do when entering the beautiful age!
Active travel pension
Life expectancy has jumped since the post-war period. From 70 years in 1960, she passed 80 years in 2004. With the improvement of living conditions and advances in medicine, seniors live longer, but especially longer in good health. What to use these beautiful years to achieve the most beautiful projects! At the time of retirement, no more professional constraint (s): the seniors can devote their free time to their leisures. It’s time to travel! Especially as retirees can enjoy the “off-season” to go to the most beautiful destinations at the best price, without the risk of being disturbed by the large crowd … All inclusive stay, cruise: they exist many formulas to browse the world, but it is the motorhome that is often favored by seniors. An investment that often requires a consumer loan for retirees.
Retirees: A conso credit to improve the daily
If there is an age where everyday comfort is not a vain concern, it is the age of retirement! Appliances in particular is a reason for consumer credit for seniors to facilitate the management of household chores:
• washing machine / dryer;
• robot vacuum.
A consumer loan can also finance the purchase of kitchen robots, to cultivate the pleasure of cooking meals at home with the best equipment. The balanced diet is a pillar of the pillars of good health to age better, just like physical activity: a credit allocated to the purchase of sports equipment is perfectly justified for a retiree! A consumer credit can also be used to buy a new car, to take advantage of the latest embedded technologies for security. With a consumer loan, a retiree can also buy back his credits or financially help his children and grandchildren in difficulty.
Banking credits: The surge of traditional intitutions
Retirees appreciate the direct contact of a face-to-face meeting with an advisor to discuss their projects. The bank branch, or the traditional lenders organizations established, appear as the key interlocutors of consumer credit for seniors. But this classic scheme has a cost: the high margin of these institutions with high profitability objectives. Agencies in every city, a luxurious headquarters, executives and expensive shareholders: banks and traditional lenders have an economic model that is not centered around the service offered, but the profitability of the economic activity. This type of institution is neither innovative nor private.
Retirees also right to consumer credit without bank
Collaborative consumption, crowdfunding, crowdlending, online platform: if these concepts resonate more with the ears of the new generation, their virtues apply regardless of age to all individuals. Bankless consumer lending goes through the Internet and institutions like Union Loan, which offer the most attractive rates with minimum operating costs and financings that come exclusively from investor-lender savings. With the credit between individuals, the retirees return to a virtuous system, while benefiting from advantageous loan conditions.