{"id":18714,"date":"2025-08-18T16:30:15","date_gmt":"2025-08-18T14:30:15","guid":{"rendered":"https:\/\/pensium.es\/testimonios\/"},"modified":"2026-05-18T13:01:20","modified_gmt":"2026-05-18T11:01:20","slug":"testimonials","status":"publish","type":"page","link":"https:\/\/pensium.es\/en\/testimonials\/","title":{"rendered":"Testimonials – Nursing home payment"},"content":{"rendered":"

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PENSIUM TESTIMONIALS<\/strong><\/h2>\n

We explain in detail and in figures the situations in which Pensium can help you pay for a nursing home<\/p>\n

[\/vc_column_text][vc_empty_space height=”40px”][vc_separator color=”custom” accent_color=”#361251″][vc_empty_space height=”40px”][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” el_class=”no-margin-bottom p-restyling” css=”.vc_custom_1755528794644{background-color: #ebe7ee !important;}”][vc_column][vc_row_inner el_class=”padding-left-24px”][vc_column_inner el_class=”max-w-180 testimoni-imatge” width=”1\/6″ css=”.vc_custom_1755528969411{padding-right: 0px !important;padding-left: 0px !important;}”][vc_single_image image=”18676″ img_size=”full”][vc_empty_space height=”20px”][\/vc_column_inner][vc_column_inner width=”5\/6″][vc_column_text]REAL CASE 1: The Story of M.V.
\n81 years old \u00b7 Dependency Grade II \u00b7 Barcelona<\/strong>[\/vc_column_text][vc_empty_space height=”10px”][vc_raw_html]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[\/vc_raw_html][vc_column_text el_class=”p-20px d-none testimonio-desplegable-1″]INITIAL SITUATION. NEEDS TO BE COVERED<\/strong>
\n\u00b7<\/strong> M.V. needed to move into a nursing home to receive continuous care.
\n\u00b7<\/strong> The family home, a flat shared with her children and valued at \u20ac195,000, required renovations costing \u20ac7,000 before it could be rented out.
\n\u00b7<\/strong> The family needed supplementary income in addition to her pension of \u20ac1,300.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”40px”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” el_class=”no-margin-bottom p-restyling d-none testimonio-desplegable-1″ css=”.vc_custom_1755598398094{background-color: #ebe7ee !important;}”][vc_column][vc_row_inner el_class=”targeta-blanca-ombra img-max-70 img padding-left-24px”][vc_column_inner width=”1\/12″][vc_single_image image=”18668″ img_size=”full”][vc_empty_space height=”20px”][\/vc_column_inner][vc_column_inner width=”11\/12″][vc_column_text]<\/p>\n

THE PENSIUM SOLUTION:<\/strong><\/p>\n

[\/vc_column_text][vc_column_text el_class=”p-20px”]Periodic contributions<\/strong>
\n\u20ac1,300 per month guaranteed, delivered every six months. Adjusted annually in line with the CPI.<\/p>\n

Renovation financed at no upfront cost<\/strong>
\n\u20ac7,000 advanced by Pensium to renovate and rent out the property in the best possible conditions.<\/p>\n

Rental managed by Pensium<\/strong>
\nThe family retains ownership of the flat. Pensium rents and manages it until the debt is fully repaid.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=”targeta-sense-ombra img-max-70 img padding-left-24px”][vc_column_inner width=”1\/12″][vc_single_image image=”18667″ img_size=”full”][vc_empty_space height=”20px”][\/vc_column_inner][vc_column_inner width=”11\/12″][vc_column_text]<\/p>\n

HOW DID WE DO IT?<\/strong><\/p>\n

[\/vc_column_text][vc_column_text el_class=”p-20px”]<\/p>\n

We carried out a valuation of the property for rental purposes, conducted a personalised study based on the family’s needs, presented the proposal, and signed the contract before a notary. The entire process was completed in under one month, and the family was able to secure a nursing home place quickly with guaranteed payments.<\/p>\n

[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=”targeta-blanca-ombra img-max-70 img padding-left-24px”][vc_column_inner width=”1\/12″][vc_single_image image=”18671″ img_size=”full”][vc_empty_space height=”20px”][\/vc_column_inner][vc_column_inner width=”11\/12″][vc_column_text]<\/p>\n

KEY BENEFITS:<\/strong><\/p>\n

[\/vc_column_text][vc_column_text el_class=”p-20px”]<\/p>\n

\u00b7 Immediate care without selling the property.<\/strong><\/p>\n

\u00b7 Family assets protected.<\/strong><\/p>\n

\u00b7 Full rental management, worry-free.<\/strong><\/p>\n

\u00b7 Programme cancellation whenever the family wishes.<\/strong><\/p>\n

[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=”targeta-sense-ombra img-max-70 img padding-left-24px”][vc_column_inner width=”1\/12″][vc_single_image image=”15734″ img_size=”full”][vc_empty_space height=”20px”][\/vc_column_inner][vc_column_inner width=”11\/12″][vc_column_text]<\/p>\n

FAMILY TESTIMONIAL:<\/strong><\/p>\n

[\/vc_column_text][vc_column_text el_class=”p-20px”]”Thanks to Pensium, we were able to act quickly without giving up my mother’s home. Everything was clear and straightforward.”[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text el_class=”lletra-petita”]<\/p>\n

Operation financed by Pensium Direct, S.L. through a credit secured by possession of the property exclusively for its use as a rental, with the aim of using the net rental income to repay the acquired debt.<\/p>\n

[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_empty_space height=”10px”][vc_raw_html el_class=”d-flex-right”]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[\/vc_raw_html][vc_empty_space height=”40px”][vc_separator color=”custom” accent_color=”#361251″][vc_empty_space height=”40px”][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” el_class=”no-margin-bottom p-restyling” css=”.vc_custom_1755528794644{background-color: #ebe7ee !important;}”][vc_column][vc_row_inner el_class=”padding-left-24px”][vc_column_inner el_class=”max-w-180 testimoni-imatge” width=”1\/6″ css=”.vc_custom_1755528969411{padding-right: 0px !important;padding-left: 0px !important;}”][vc_single_image image=”18715″ img_size=”full”][vc_empty_space height=”20px”][\/vc_column_inner][vc_column_inner width=”5\/6″][vc_column_text]REAL CASE 2: The Story of C.B.
\n86 years old \u00b7 Dependency Grade II \u00b7 Madrid<\/strong>[\/vc_column_text][vc_empty_space height=”10px”][vc_raw_html]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[\/vc_raw_html][vc_column_text el_class=”p-20px d-none testimonio-desplegable-2″]C.B., 86 years old with Dependency Grade II, owns a flat in Madrid valued at \u20ac210,000.
\nHe needs to move into an assisted nursing home and requires supplementary income in addition to his monthly pension of \u20ac1,600.
\nHis property requires renovations estimated at \u20ac4,000.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”20px”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” el_class=”no-margin-bottom p-restyling d-none testimonio-desplegable-2″ css=”.vc_custom_1755602769210{background-color: #ebe7ee !important;}”][vc_column][vc_row_inner el_class=”targeta-sense-ombra img-max-70 img” css=”.vc_custom_1755674614525{padding-left: 32px !important;}”][vc_column_inner][vc_column_text]How can Pensium help?<\/strong><\/p>\n

[\/vc_column_text][vc_empty_space height=”10px”][vc_column_text el_class=”p-20px”]
\n\u2013 After a property valuation, it is estimated that the flat can be rented for \u20ac850 per month.<\/p>\n

\u2013 Since a higher monthly amount is needed to pay for the nursing home, the family formalises the Pensium programme with contributions of \u20ac1,600 per month. Upon signing the contract, they immediately receive 6 months of contributions in advance (\u20ac9,600), so C.B. can move into his chosen nursing home straight away.<\/p>\n

\u2013 Subsequently, they will receive 6 monthly instalments every 6 months, revalued annually in line with the CPI throughout the duration of the programme.<\/p>\n

\u2013 The property is handed over to Pensium solely for rental management. C.B. retains ownership.<\/p>\n

\u2013 Pensium also advances the \u20ac4,000 for renovations so the property can be rented in the best possible conditions. Once renovated, it is put up for rent.<\/p>\n

\u2013 C.B. continues to receive the contributions needed to pay for the nursing home, and the family does not have to deal with anything.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”10px”][vc_row_inner el_class=”targeta-sense-ombra img-max-70 img”][vc_column_inner][vc_column_text]What steps need to be followed?<\/strong>[\/vc_column_text][vc_empty_space height=”10px”][vc_column_text el_class=”p-20px”]Carry out a property valuation for rental purposes, a personalised study, presentation of the proposal, and signing of the contract before a notary (guarantee of maximum transparency).[\/vc_column_text][vc_empty_space height=”10px”][vc_column_text]What happens if a public placement is obtained?<\/strong>[\/vc_column_text][vc_empty_space height=”10px”][vc_column_text el_class=”p-20px”]Contributions are made for as long as a private nursing home place needs to be paid for. Once a public placement is obtained, contributions cease and the property continues to be managed as a rental by Pensium until the debt is fully repaid.[\/vc_column_text][vc_empty_space height=”10px”][vc_column_text]What happens in the event of death?<\/strong>[\/vc_column_text][vc_empty_space height=”10px”][vc_column_text el_class=”p-20px”]Ownership passes to the heirs. The property continues to be managed as a rental by Pensium until the debt is fully repaid. At that point, the heir owners recover free possession of the property.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”10px”][vc_row_inner el_class=”targeta-sense-ombra img-max-70 img” css=”.vc_custom_1755674599253{padding-left: 32px !important;}”][vc_column_inner][vc_column_text]Key information:<\/strong>[\/vc_column_text][vc_empty_space height=”10px”][vc_column_text el_class=”p-20px”]\u2013 Settlement on a semi-annual basis (payment of the financed contributions corresponding to the following semester, settlement of interest and debt repayment using the net income obtained).<\/p>\n

\u2013 The operation can be cancelled at any time with no cost or commission, by making full repayment of the outstanding debt.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text el_class=”lletra-petita”]<\/p>\n

Operation financed by Pensium Direct, S.L. through a credit secured by possession of the property exclusively for its use as a rental, with the aim of using the net rental income to repay the acquired debt.<\/p>\n

[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_empty_space height=”10px”][vc_raw_html el_class=”d-flex-right”]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[\/vc_raw_html][vc_empty_space height=”40px”][vc_separator color=”custom” accent_color=”#361251″][vc_empty_space height=”40px”][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” el_class=”no-margin-bottom p-restyling” css=”.vc_custom_1755528794644{background-color: #ebe7ee !important;}”][vc_column][vc_row_inner el_class=”padding-left-24px”][vc_column_inner el_class=”max-w-180 testimoni-imatge” width=”1\/6″ css=”.vc_custom_1755528969411{padding-right: 0px !important;padding-left: 0px !important;}”][vc_single_image image=”18717″ img_size=”full”][vc_empty_space height=”20px”][\/vc_column_inner][vc_column_inner width=”5\/6″][vc_column_text]REAL CASE 3: The Story of A.C.
\n85 years old \u00b7 Dependency grade in process \u00b7 Valencia<\/strong>[\/vc_column_text][vc_empty_space height=”10px”][vc_raw_html]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[\/vc_raw_html][vc_column_text el_class=”p-20px d-none testimonio-desplegable-3″]A.C., 85 years old, receives a widow’s pension of \u20ac450 and a contributory pension of \u20ac400, totalling \u20ac850 per month.
\nShe owns a property in Valencia valued at \u20ac250,000. Her Dependency Grade application is currently being processed. She needs to move into
\na nursing home with a monthly cost of \u20ac2,500. The property does not require any renovations.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”40px”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” el_class=”no-margin-bottom p-restyling d-none testimonio-desplegable-3″ css=”.vc_custom_1755605138024{background-color: #ebe7ee !important;}”][vc_column][vc_row_inner el_class=”targeta-sense-ombra img-max-70 img padding-left-24px margin-left-32px”][vc_column_inner][vc_column_text]How can Pensium help?<\/strong><\/p>\n

[\/vc_column_text][vc_empty_space height=”10px”][vc_column_text el_class=”p-20px”]\u2013 After a property valuation, it is estimated that the flat can be rented for \u20ac820 per month.<\/p>\n

\u2013 With the Pensium programme, the family receives monthly double the rental value, i.e. \u20ac1,640 per month, which allows A.C. to cover a large part of the nursing home cost without having to sell her property.<\/p>\n

\u2013 At the time of signing the contract, the family also receives 6 months of contributions in advance (\u20ac9,840), which enables A.C. to move immediately into the nursing home of her choice.<\/p>\n

\u2013 Every six months, Pensium delivers new contributions equivalent to double the rental income, revalued annually in line with the CPI, for as long as needed.<\/p>\n

\u2013 The property is handed over solely for rental management, with ownership remaining in A.C.’s name at all times.<\/p>\n

\u2013 Since no renovations are needed, the rental can begin immediately after the programme is signed.<\/p>\n

\u2013 A.C. thus receives the contributions needed to cover her nursing home costs, without her family having to deal with property management or any administrative procedures.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”10px”][vc_row_inner el_class=”targeta-sense-ombra img-max-70 img padding-left-24px”][vc_column_inner][vc_column_text]What steps need to be followed?<\/strong>[\/vc_column_text][vc_empty_space height=”10px”][vc_column_text el_class=”p-20px”]Carry out a property valuation for rental purposes, a personalised study, presentation of the proposal, and signing of the contract before a notary, ensuring maximum transparency and legal certainty.[\/vc_column_text][vc_empty_space height=”10px”][vc_column_text]What happens if a public placement is obtained?<\/strong>[\/vc_column_text][vc_empty_space height=”10px”][vc_column_text el_class=”p-20px”]Pensium contributions are maintained only for as long as a private nursing home place needs to be covered. Once a public placement is obtained, contributions cease and the property remains rented until the debt is fully repaid.[\/vc_column_text][vc_empty_space height=”10px”][vc_column_text]What happens in the event of death?<\/strong>[\/vc_column_text][vc_empty_space height=”10px”][vc_column_text el_class=”p-20px”]The property passes to the heirs. The rental arrangement is maintained until the debt is settled. Once repaid, the heirs recover free possession of the property.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”10px”][vc_row_inner el_class=”targeta-sense-ombra img-max-70 img padding-left-24px margin-left-32px”][vc_column_inner][vc_column_text]Key information:<\/strong>[\/vc_column_text][vc_empty_space height=”10px”][vc_column_text el_class=”p-20px”]\u2013 Settlement on a semi-annual basis (payment of the financed contributions corresponding to the following semester, settlement of interest and debt repayment using the net income obtained).<\/p>\n

\u2013 The operation can be cancelled at any time with no cost or commission, by making full repayment of the outstanding debt.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text el_class=”lletra-petita”]<\/p>\n

Operation financed by Pensium Direct, S.L. through a credit secured by possession of the property exclusively for its use as a rental, with the aim of using the net rental income to repay the acquired debt.<\/p>\n

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Paying for elderly nursing home care can be very easy<\/span><\/strong><\/h2>\n

We finance your place in a private nursing home<\/span><\/strong><\/h2>\n

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