Having to face one liquidity shortage it is a fairly frequent occurrence, an inconvenience that also involves those who can count on regular income at the end of the month. It can happen, for example, to support one sudden expense but also of wanting to proceed with the purchase of an asset without burdening the bank account.
An effective response is represented by a particular type of secured loan, redeemable through the employee loans. It is a solution meant to meet the credit needs of those who regularly receive one salary or a pension treatment, therefore public sector workers, retirees and employees of private companies who have the possibility of obtaining economic resources without having to present further guarantees.
How the assignment of the fifth works
Considered one of the financial solutions cheaper, the employee loans it is based on the granting of a personal loan against the assignment of the fifth part of one’s salary or pension. To provide the necessary guarantees are the paycheck and the pension slip, while the amount obtained is returned through direct deductions applied on the emoluments received.
According to the national legislation, it is possible to keep one maximum installment not exceeding one fifth of the net salary, while the overall duration of the loan must not exceed 120 months.
The strengths of the assignment of the fifth are numerous, first of all the possibility of obtaining the amount you need by demonstrating that you have a regular income, relating to the salary or pension:
- Yes they can obtain relevant amounts, thanks to the reimbursement extended up to 10 years;
- it is possible to repay the loan through the direct withholding paid directly by the employer or pension institution;
- the installments are constant and the fixed rate it extends for the entire duration of the loan;
- possibility of requesting the sale even in the presence of other loans in progress.
The sale of the fifth of Findomestic Banca
In order to simplify and speed up the process necessary to obtain the employee loans, Findomestic Banca – part of BNP Paribas and a leading company in Italy in the consumer credit market – has devised an innovative entirely digital application system.
The 100% online procedure allows you to simulate the employee loans through a digital calculator, which allows you to view the total amount, Taeg and monthly payment. Furthermore, the request can be sent directly thanks to the digital signature method.
Added value is given by the absence of additional costs, in fact, there are no brokerage and management commissions, preliminary investigation commissions and stamp duty or substitute taxes.
The audience of beneficiaries is very large and includes employees of the Public Administration, retirees and employees in private companies.
Assignment of the fifth for public employees
The employee loans can be requested by public employees with a permanent contract. No additional guarantee is required and the loan is repaid by means of a fixed installment, which is paid directly by the administration to which it belongs. It is also possible to request payment proxy such as additional funding. If the administration adheres to the NoiPA systemfurthermore, special concessions are provided.
Assignment of the fifth for pensioners
Anyone who is the holder of a pension can request the sale of the fifth Findomestic, presenting the slip, the O-Bis M model or the CUD model. The loan is repaid with a fixed installment paid directly by the social security institution. There employee loans per INPS pensioners, Inps ex Inpdap and Inps ex Enpals, moreover, includes some additional concessions: the disbursement is rapid, the management is simplified and in the event of renewal, greater speed and simplicity are ensured.
Assignment of the fifth for private sector employees
By also addressing employees with a permanent contract stipulated with private companies, Findomestic allows access to the assignment of the fifth even in the presence of other loans in progress or of financial problems previous. The amounts granted are assessed taking into account salary, length of service and TFR matured. Finally, the loan is repaid by means of a fixed installment paid directly by the company.
How to request the sale of the fifth Findomestic
The procedure required to apply for the sale of the fifth Findomestic it’s easy and intuitive. It can be carried out in complete autonomy even in the absence of specific skills in the technological or financial field, by carrying out the first step online simulation per calculate a quote detailed.
Few steps are required:
- access the web simulator to find out the amount that can be obtained;
- enter the necessary information in the form;
- complete the request by affixing the digital signature;
- wait for confirmation via email and, subsequently, the call from Findomestic consultants to finalize the practice.
The Findomestic experts they are always available to users to offer support and additional information during all stages of the application process.
Source: RSS DiariodelWeb.it Economia by www.diariodelweb.it.
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