Small Social Institute loan for civil servants: what products are available? What rates do they predict and for whom are they intended? Here are all the loans offered at competitive rates provided by Social Institute to its members.
The small Social Institute loan for civil servants, as mentioned, does not actually correspond to a single loan. The pension fund has various credit lines which change according to the characteristics of the applicant. Let’s analyze the funding opportunities.
The proposal for civil servants
Small Social Institute loan for civil servants Public Management. This is a loan designed to provide support to public employees and pensioners enrolled in the unitary management of credit and social benefits.
The request does not have to be justified, this means that the user will not have to submit to the social security institution relevant documentation of the expenses incurred.
The sums start from a minimum of one month to a maximum amount equal to eight times the monthly check. Amount that changes according to the duration: one, two, three or four years.
Small Social Institute loan for civil servants 2017 rates:
What is the rate of the Small Public Management Loan? An annual rate of 4.25% is applied, even if this is not the only element to be taken into consideration: there are in fact administrative costs (0.50%) and risk provision premium.
Small loan for post office employees on assignment of the fifth
The second product of our study is the Small Loan Fund Management Post Office. It is a credit line indicated for employees of post office and associated companies.
It is a loan that provides for a repayment on the assignment of the fifth, installment not exceeding 1/5 of the monthly allowance.
Duration and amounts are the same as in the previous loan. As for the requirements, however, we record at least two years of service seniority. The applicant does not have to specify the reason. We have a 5% Taeg.
Small loan Social Institute Magistral Management 2017 to former Enam members
The third and final loan is the Small Masterful Management loan. In this case, the beneficiary public is represented by former Enam members.
The sum cannot exceed twice the salary, while the repayment is structured in 24 months.
And what about the interest rate? Social Institute has foreseen 1% of the gross sum for administrative charges and guarantee fund. An annual rate of 1.50% is also to be assessed.
Unlike the loans examined previously, the request must be consistent with the various purposes specified by Social Institute (reported on the official Social Institute.it website), which range from marriage to the purchase of a home.