Business and Housing

Archive for the ‘Loan’ Category

All may find you faced with the necessity of having to make an unexpected expenditure. An appliance from having to change or repair the car that leaves us to walk at any moment. It is possible that the same time the money set aside is not sufficient to resolve the problem. Besides the possibility to apply for funding to your bank, you can consider the idea of Inkpad loans to pensioners and civil servants.

Loans can be requested without the need to present documentation proving one particular need or a medical certificate and are addressed to all subscribers to the unified management of self-credit and social performance. The forms can be downloaded from the official site INPDAP may be returned provincial or territorial office of the Institute directly if you are retired or through its administration if you are addicted.

The amounts obtained are equal to one month’s net salary for their annual loan applications, two bi-annual concessions for two months and three months for those of three years. The amounts can be doubled if the person requesting the loan has no other deductions under way for the sale of salary. The interest rate is 4.25% which is added to the 0.5% thick of administration and lower rates of premium for risks.

With the delegation of the loan payment is not a personal loan for the purchase of certain property, which is paid to employees and the payment of which the rate of repayment is through payroll deduction (such as the sale of the fifth ).

The delegation of payment of the loan is that it is the employer who regularly repay the installment monthly net income is retained by the employee who applied for the loan.

Amortization schedule
The amortization of loans with a rate constant and delegation is to be completed in up to 120 months (10 years). The interest rate is fixed. The installments are paid at regular intervals (eg every month) and amount over time. The installment includes both the share capital and share interests.

Who can apply for a loan proxy?
They can apply for a loan payment with the delegation of all employees who have a contract of indefinite duration, whether they work in private companies in public.

If the worker is employed by a private company there is an additional requirement: the company must be a SpA (Limited Company), a S.r.l. (Limited Liability Company) or a SAS (Limited partnership) and must meet the requirements of any bank or finance company that issues the loan. NB: before being disbursed, the loan must be accepted by the employer.