Loans for the third age are produced in great diffusion, either because of the phenomenon of the aging of the population or because of the awareness of the people of a certain age that life must be lived by indulging, within the limits of prudence, of pleasures and luxuries that maybe you didn’t do it before for many reasons.
Features of Elastys Silver
Silver is a personal loan, therefore the purpose of spending the money obtained must not be declared. Once you get the loan, you can then arrange money as you wish, keep a part of it for liquidity, spend it entirely, take a nice trip, or give some presents to family members.
The maximum amount required is € 10,000, which can be raised to € 20,000 if you are already an Elastys customer.
The refund is made in fixed installments, in a period ranging from 24 to 120 months (from 2 to 10 years). The only constraint is the maximum age for making a request: in fact, you must finish repaying the loan within eighty years.
The annual interest rate (tan) starts at 8.99% and can reach 15.30%, while the maximum taeg is 16.59%.
In the event of early repayment, a commission of 1% of the residual capital must be paid.
The payment of the installments can take place with rid or postal payment slip; in both cases an installment commission of 1.3 euros will be applied. In case of payment at an Agos Ducato branch, commissions will not be required.
The loan can be accompanied by an insurance that intervenes in the event of the inability of the principal to meet the installments due to temporary or definitive disability, invalidity or death. The insurance is optional and varies from 3.60% to 7.35% of the insured capital.
Who can request Silver Elastys
The loan can be requested, as mentioned, up to the 80 years to which the length of the loan must be subtracted. The identity and income documents must be presented (the pension slip or the obis-m model, the pay slip if still in business, the Unico form).