When we talk about loans to state employees still in business or already retired, we usually turn to public bodies, so for example the Social Security loans formerly Government Agency turn out to be the solution most sought after by the audience of beneficiaries, as they present offers at very reasonable conditions competitive, with the Tan, Nominal Annual Rate, which for example does not exceed the maximum ceiling of 4.25 percent. However, the Government Agency loans are not the only possible solution, although very advantageous, for public sector employees: among the possible alternatives, for example, are the Cleopar loans that provide loans specifically reserved for public employees with very high amounts. Let’s analyze in more detail the offer of the financial company to state workers with permanent contracts, who can obtain sums necessary for their needs through competitive conditions that are not too distant from those of Social Security ex Government Agency currently underway.
Cleopar loans over 75 thousand euros
The peculiarity of these loans Cleopar reserved to state employees is that the institute provides amounts that can exceed 75 thousand euro, and as for the funding Social Security the chosen procedure is the sale of salary, so every month is retained 20 percent as a loan repayment. The amortization plan cannot extend beyond 10 years and the interest rate is fixed, without any brokerage fees. Cleopar informs that this financing for public and state employees is also granted to bad payers who have had financial problems, and also for those who have other loans in progress. We also remind you that the loans for Cleopar state employees do not require the presence of additional guarantees to payroll, however the legislation currently in force provides for the signing of a mandatory policy against life risk and employment risk. On the Cleopar website you will find all the information on the subject, but it is suggested to go to the branch to be able to interact with an expert who will be at the complete disposal of the customer to evaluate the most suitable solution for the specific needs: a free estimate can be obtained and will be illustrated with transparency and simplicity all the economic conditions relating to their own financing.
Delegation of payment
As can be clearly seen from the name, the salary assignment provides that it is not possible to exceed 20 per cent of the salary or social security allowance in the monthly installment that is withheld directly by the employer or social security institution and paid to the provider as amortization: however, the Cleopar loan for state employees is one of those loans that provides in addition to the sale of the fifth the delegation of payment to be able to complement the previous solution. Thanks to the delegated loan formula you can get up to two-fifths of your salary as a repayment, obtaining more liquidity to spend on your needs and requirements.
How to get the Cleopar loan
To request and obtain the Cleopar loan, all public or state employees must meet the following requirements: an age between 18 and 63, residing in Italy and a permanent employment contract. To be approved and disbursed, the Cleopar loan for state employees must follow the normal procedure of each loan, so you must physically go to a branch of the bank bringing with you a valid ID, the tax code, the last envelope pay and the Unique Certification ex CUD. These are generally the conditions that concern the financing proposed by Cleopar, a valid alternative for public and state employees who want to obtain a loan with a salary assignment, having at their disposal for their own needs an amount even higher than 75 thousand euros.