Business and Housing

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.

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