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GOVERNMENT AGENCY LOANS
Since 2012, the work of INPDAP has been transferred to INPS. One of these projects is to provide financial support to civil servants.
Among the different types of loans offered, we can find:
- Submission of the fifth INPDAP
- INPDAP Small Loans
- INPDAP amount
INPS disburses these loans directly. However, there are credit institutions that have a contract with the former INPDAP or the INPS that can offer even more valuable loans than the social security group itself. Click here if you want to apply for a loan under the INPDAP agreement.
Submit the fifth INPDAP
A payday loan is a specific type of loan. This is a financial service created in Italy and for Italy after the war, aimed at public employees and private employees on permanent contracts. The maximum period of salary employment is 120 months and the minimum period is 24 months.
The monthly payment is deducted directly from the salary, or from the salary, and is equal to 1/5 of the net amount of the envelope compared to other types of deductions: other loans , seizure, foreclosure, alimony. The fifth job can reach up to 2/5 of the net debt in the case of loans and DELEGATION or even not properly called two times five or two jobs: with the delegation of payment, of course , it is possible to transfer up. up to 40% of the monthly salary to pay the premium.
INPDAP Small Loans
The INPDAP micro-loan is a type of loan that can be granted to active or retired civil servants registered in the Credit Center, and to employees hired by the Italian Post Office that is part of the management of credit funds ex IPOST . The term of the loan varies from 1 to 4 years and the requirements to get this type of loan are:
- Payments are ongoing;
- Have at least one year of useful work and retirement;
- Have a permanent or fixed contract of at least three years.
The amount to be paid is not high and it will be the maximum of 4 months requested by the employee.
Learn more about INPDAP Small Loans.
INPDAP mortgages
INPDAP multi-12 months direct loans, otherwise referred to as mortgages, are medium-long time loans whose control and disbursement are advanced on the premise of the financial availability of the national social safety institute inps. They can be requested by means of public and state employees and by using pensioners, enrolled in the unitary management of social services and credit score for as a minimum 4 years and with a minimum of forty eight months of carrier . The length of an inpdap loan can vary from 5 to 10 years and the quantity payable can reach up to €a hundred and fifty,000 in the case of renovations on the first home.
Find out more approximately inpdap mortgages .
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ACCESSIBLE CONDITIONS
The most affordable rates with favorable terms for your loan.
INPDAP services
You may simply browse all the services offered by INPDAP below and get all the information you require:
INPDAP LOANS TABLES
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INPDAP FIRST HOME MORTGAGES
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INPDAP
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LONG TERM LOANS AND THE INPDAP SMALL LOAN REGULATIONS
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INPDAP PENSIONS
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INPDAP TRAVEL
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OUR LOANS
EMPLOYEE LOANS
Il finanziamento dedicato ai lavoratori dipendenti –
Comoda trattenuta sulla busta paga pari a 1/5 dello stipendio senza pensieri di pagamento tramite RID o bollettini
anche in presenza di problemi di credito sui circuiti bancari.
LOAN WITH DELEGATION
La delegazione di pagamento consiste nella seconda trattenuta in busta paga, che si somma a quello della cessione del quinto dedicato a dipendenti privati/ statali / pubblici
il doppio quinto comodo e pratico per chi a bisogno di liquidità aggiuntiva.
TFS ADVANCE
Stanco di aspettare anni per poter usufruire del tfs accantonato durante gli anni di lavoro?
L’anticipo tfs è dedicato ai dipendenti statali , con l’ausilio di pochissima documentazione scaricabile tramite spid dal sito ex inpdap, potrai avere in tempi brevissimi il tfs e goderti finalmente il meritato riposo.
PERSONAL LOAN
Il piu’ classico dei finanziamenti al consumo. Istruttoria rapida e snella. Puoi avere la liquidità di cui hai bisogno in 24h. Rimborso tramite Rid o Bollettini postali.
LOAN EXAMPLE
An illustration of a salary-backed loan given to a state employee employed on September 1, 2015, but born on January 1, 1990 Disbursed amount of €35,357.35 to be paid back in 120 monthly installments of €360.00; fixed TAN 4.111%; fixed APR 4.200%; and fixed TEG 4.190%; total amount owing by the consumer of €43,200.00; insurance expenses included in the installment; fixed rate constant installment; and 16 euro stamp fee.
According to the Bank of Italy, the maximum taxable APR is 18.000%.Minimum loan term of 36 months.Maximum loan term: 120 months.
Advertisement for promotional use only, good through June 30, 2023.According to Article 54 of Presidential Decree 180/50, insurance coverage is required by law to be used as a guarantee for the salary-backed loan in order to pay off the remaining debt.Please refer to the information contained in the “Basic European information” for pre-contractual details.
FAQS
From 48 to 120 months.
What are the rates of interest?
In any event, it is vital to evaluate the practice in order to know the rates because they are always customized and fluctuate depending on the applicant’s and the request’s characteristics. We always attempt to provide the best rate to our customers by also providing the greatest insurance coverage.
The loan will be disbursed when?
After the contract has been signed and the third-party administration has granted its permission, the loan will be disbursed.
The final payment, the single certification (ex-CUD), and personal documents are the first things needed to have a preventive and a factual situation. Later, additional documents will be required depending on the situation (such as a proof of employment or residency certificate).
Even though this practice is often exceeded, it is often possible to erroneously obtain a little advance at the time of contract signing.
Is there someone I can talk to?
Unquestionably, no one other than a Consulente who is regularly subscribed to the Almanac of Agents Capable of Contacting the Public may access it online at organismo-am.it.
Can I handle everything online?
Certamente! We have the ability to recognize people online.