To meet the challenges of retirement, seniors can use consumer credit. Without the intermediary of the banks, consumer credit offers attractive conditions to reduce the cost of borrowing, a requirement for a retiree with declining income.
Retirees: A conso credit to improve daily life
If there is an age when daily comfort is not a vain concern, it is the age of retirement! Household appliances in particular is a reason for consumer credit for seniors to facilitate the management of household tasks.
A consumer loan can also be used to finance the purchase of food processors, to cultivate the pleasure of concocting small dishes at home with the best equipment. Dietary balance is a pillar of the pillars of good health for aging better, as is 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 technologies on board for security. With a consumer credit, a retiree can also buy back his credits or financially help his children and grandchildren in difficulty.
Bank credits: The cost of traditional institutions
Retirees appreciate the direct contact of a face-to-face meeting with an advisor to discuss their projects. The bank branch, or the traditional lending organizations with their storefront, appear to be the essential interlocutors of consumer credit for seniors. But this classic scheme has a cost: the high margin of these establishments with high profitability objectives. Agencies in each city, a luxurious headquarters, expensive executives and shareholders: traditional banks and lenders have an economic model that is not centered around the service offered, but the profitability of economic activity. This type of establishment is neither innovative nor on the side of individuals.
Retirees also have the right to non-bank consumption credit
Collaborative consumption, participative finance, crowdlending, online platform: if these concepts resonate more in the ears of the new generation, their virtues apply regardless of age to all individuals. Consumer credit without a bank goes through the Internet and establishments, which offer the most attractive rates with minimum operating costs and financing which comes exclusively from the savings of investor-lenders. With credit between individuals, retirees revive a virtuous system, while benefiting from advantageous loan conditions.