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The assignment of a fifth of the pension for retired INPDAP

Loans against pension

Italian Post Office confirms its offer in terms of credit, loans and mortgages to retired and devotes an instrument already well known: the transfer of the fifth retirement.
This financial instrument, ie, makes possible the repayment of the installment of the repayment plan to repay creditors, deducting directly from what the agency pays monthly beneficiary then becomes liable to the user.

hinge points for the fifth BancoPosta are tranquility, serenity, the appropriateness of an adequate reimbursement to the possibilities of each. The funding It can also be applied also to those retired people who have no bank account or post office, with the ability to repay other loans in progress, and even if you have easy access to other generic forms of consumer credit, loans and targeted not, and so on.

The instrument of transfer of the fifth, in fact, has this peculiarity, since it is precisely to ensure that you receive the check (which is the salary or pension, as in this case, in the end to ensure it is the user and its right to a pension credit or job).

But we see what are the technical characteristics of this type of loan. First we note the absence of ancillary fees and the absence of charges for early repayment of that loan. The installment, according to the agreed repayment plan, is deducted from the pension - as already mentioned - up to a maximum of five (the fact) of what is received in the month. From this, then, depends on the extent of the amount financed: it is the same Post Office to issue, in terms of application, certification from the insurance involved, whether it be Social Security or is INPDAP. Respectively, the National Social Security Institute and National Institute of Social Security and Welfare Employee Administration Pubblica.

La durata del prestito può essere variabile: parte dai tre anni (ovvero dai 36 mesi) e arriva fino ai dieci anni (durata massima del piano di ammortamento, quindi, 120 mesi).
In più BancoPosta prevede l’assicurazione per ogni evenienza e problematica, ovvero la copertura assicurativa sulla Vita come prevista da legge e garantita dal fondo rischi dell’Inpdap stesso.