To meet the challenges of retirement, seniors can take out consumer loans. 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.
After a busy professional 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 (Cnav). The legal age is set at 62 in France, 65 for the point-based supplementary pension schemes. For a full retirement, you must contribute 160 to 172 quarters, or 40 to 43 years depending on your year of birth. In all cases, retirement has two consequences:
• more free time;
• less income!
Who says retirement says retirement pension, or more or less 75% of the net retirement income for a retiree benefiting from all his quarters. The average retirement pension is around 1,300 dollars gross in France, less than half of the average gross salary (2,800 dollars).
For retirees who have completed a full career, the retirement pension exceeds on average 1,700 dollars per month. Falling incomes, while there is so much to do when entering the good old age!
ACTIVE RETIREMENT ON TRAVEL
Life expectancy has jumped since the post-war period. From 70 years in 1960, she exceeded 80 years in 2004. With the improvement of living conditions and the progress of medicine, seniors live longer, but above all longer in good health.
What to take advantage of these beautiful years to realize the most beautiful projects! At the time of retirement, no more professional constraint (s): seniors can devote their free time to their leisure. It’s time to travel! Especially since retirees can take advantage of 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: there are many formulas to travel 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 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:
• robot vacuum.
A consumer loan can also 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! 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.