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Prestito Delega

The loan delegation (or delegation of payment ) is another financing guaranteed personal, not for the purchase of a specific good or service. The delegation loan is offered exclusively to employees (state, public or private) with a permanent contract: its structure, in fact, is likely to be matched simultaneously with the sale of the fifth loan or other funding already in progress, with the advantage of reaching a total amount higher than other loans.
To those who fall into this category requires a seniority at least 6 months. Unlike the sale of the fifth, is not given to pensioners. The loan is paid
delegation to a fixed interest rate, repayable by monthly installments by direct deduction from the paycheck. It is calculated based on the employee's net salary means the maximum amount of each share shall not exceed one fifth of the monthly salary.

The facility is that, unlike other personal loans such as employee loans, financing can get to 2 / 5 or even half the salary payroll. These rates include all
any additional costs as for other loans not finalized.
The repayment period of the loan delegation can not exceed ten years. The

delegation of payment named after the recipient's duty to "delegate" to the company, which works for the repayment of its debt, the employer is not required (as in the case of transfer of the fifth ) to accept the request, not having to bear any relationship to the law.

The contract will be concluded with the approval of the head of the company, which will take the responsibility to carry out, on time and regularly, the payment to the funding body. The amount granted will be paid entirely by the lender through bank draft or wire transfer and deposited directly on the current account of the applicant. The payment is done in a short time: from 24 hours to five days from the date of application.

It should be noted that, for this funding as others, may also apply for bad payers or protested.
There is also the possibility to settle the loan in full in advance, thus saving on the amount of interest still due, but the expense of a minimum penalty calculated on the outstanding debt (excluding interest), calculated as 1% LMIT (maximum), at the discretion of the bank. The loan
delegation, in the category of secured lending, the customer does not require special safeguards. The only measure taken is based simply on the presence of the same income or liquidation, compulsory insurance will cover any part of a debt in excess of the accrued severance pay. For the protection of the worker, his family and the bank, the loan will be built two types of insurance policy: a

covers the "employment risk" (dismissals, illness), the other covers the "life risk" (disability permanent and death), costs are already included in the monthly fee to be granted.