Transfer of the fifth and loans with delegation
For financing with the Spin Lender there are specific financial products for both employees and retirees. We remind you that this type of loan, regulated by DPR 5/1/1950, allows you to easily and quickly obtain a certain liquidity, in an easier way than other forms of financing, because it provides for the repayment of the same through the direct withholding of the installments on the paycheck or pension, which have the function of guaranteeing the creditworthiness of the applicant.
Both the financing formulas that the Family Budget makes available, that is, the one dedicated to employees and the one aimed at pensioners, have, in principle, the same characteristics or:
- the loan can last between 24 and 120 months;
- the installment cannot exceed 20% of the net salary or pension;
- insurance coverage covering life and job loss risk (in the case of workers) is mandatory;
- the sale can be renegotiated if additional liquidity is needed.
The only big difference between the two instruments is that the Transfer of Fifth of the pension provides slightly higher rates than those reserved for employees and, therefore, for the same amount paid, the installment will be greater.
Among the loans guaranteed by Family Finance there is also the Loan with Delegation, which can only be requested by public or private employees, which also provides for the payment of the installment agreed directly on the paycheck. The main advantages of this instrument are that it can be requested in addition to an already existing Sale, up to a maximum of 50% of the net salary, and which is also granted in the presence of bankruptcies and protests.
Lite Lender Company also proposes, thanks to the collaboration with Capital Lender, a wide range of personal loans aimed at employees, self-employed workers and retirees that allow to obtain immediate liquidity (see also Immediate online loans), at the time of approval of the financing by the lender, to be able to carry out its projects.
These are the main features:
- maximum payable amount of $ 30,000;
- loan term between a minimum of 12 months and a maximum of 84 months;
- fixed rate, to guarantee a constant installment for the duration of the loan.
For all the products offered by Lite Lender Company, it is possible to request a free and non-binding loan quote directly on the company’s website, before contacting the nearest agency if you decide to proceed with the operation.