Loan for Public and Private Employee
Employees of government or the private sector with the employment contract of indefinite duration may have easy access to credit (loan or mortgage).
When applying for a loan designed just go to the box store of funding (with the financial arrangement) with an envelope bag and bank (for the charging rate on current account), identity card.
Small loan:
the provision provides a sum of money to meet sudden and urgent need (maximum of Euro 10,329.14). They are entitled to the benefit of the employees entered the “Manage Unitaria Autonoma of credit and social services, which receive a fixed monthly salary and continuous.
Multi-year direct loans:
What gives the performance – Sum of money to deal with documented personal or family needs (the maximum amount payable is calculated as follows: multiply the fifth part of your net salary by the number of monthly installments within which you intend to repay the amount and you the maximum size of the loan). requirements: they are in active service, at least four years of actual service in the employment relationship useful pension (two if disabled or maimed in war or decorated to the military).
Multi-year loans guaranteed
The provision provides a “guarantee dell’INPDAP” to borrow against the following risks: death dell’iscritto before the transfer has ceased, leaving the service with no pension entitlement, reducing the salary of the transferor. The conditions of release are similar to the previous form of credit.
Assignment of the fifth, and supply extra voluntary assignment
The assignment of the fifth the amount to be returned as a refund to a loan received is deducted at source directly from your employer by payroll (he will pay the financial creditor);
In addition to this solution for workers on T.I. enterprises of medium and large size are possible other forms of transfer: extra and voluntary (without any deduction in salary), giving greater amounts monthly.
Loan Trustee
Repayment of this loan is made with the issuance of bills, with no deductions in salary gives credit in a situation of non-eligibility with the normal lines of credit (paying or bad credit problems).
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