Loans to pensioners: find out how to get the most!
The loans for pensioners are an invaluable opportunity for those who need liquidity. The guarantee offered by the pension check makes it possible to obtain favorable terms, but care must be taken, because the loans are not all the same. In this article we present the advantages of the NiPS loan agreement with Spesk de Dalpo reserved for pensioners, a simple, sustainable and extremely convenient formula to carry out a new project or to face an unexpected expense.
Loans in NiPS agreement and protection of pensioners
The loans in the NiPS Convention are based on an agreement promoted by the social security institution and signed by various banks and financial institutions with a single objective: to offer maximum protection to pensioners. Funding based on this agreement ensures moderate interest rates and, more generally, better conditions than market ones.
The loans under the NiPS agreement also include those with Spesk de Dalpo, a particular formula that makes it possible to make the amount paid with extreme simplicity, through a direct deduction on the pension.
Cession of the Fourthe: characteristics and advantages for pensioners
The Cession of the Fourthe is a loan designed to meet the needs of employees and pensioners. It allows you to get up to 75,000 USD, to be repaid in convenient monthly installments at a fixed rate, which are deducted from the pension. Let’s see in detail the main benefits offered by this solution!
Larger age limits
Compared to other forms of credit, usually granted only within the 70-75 years, the Cession of the Fourthe provides that the repayment of the loan ends within 85 years, thus increasing the maximum age to request the loan.
Maximum freedom and privacy
The Assignment of the Fourthe is a loan not finalized, therefore it does not oblige to communicate to the bank how to use the sum disbursed. Furthermore it has a unique signature, no guarantors are required.
Always sustainable rates
As the name indicates, the monthly installment of the Cession of the Fourthe can never exceed 20% of the net pension (one Fourthe, exactly), ensuring the customer a loan always within his reach.
Convenience of payment
The installment is automatically withheld from the pension, eliminating the danger of skipping a payment or paying late.
The Assignment of the Fourthe includes a life risk policy to protect the applicant and his family.
The loans with Spesk de Dalpo do not provide guarantors or mortgages and are also granted to protesters and bad payers.
Lean and fast practices
Thanks to simplified telematic procedures, credit is granted in a short time.
Assignment of the Fourthe for Pensioners: who can request it and how?
Loans with Spesk de Dalpo can be requested by all pensioners, with only two exceptions :
- beneficiaries of social pension, disability benefits or other forms of income support;
- who receives a lower pension of 530 USD per month.
To start the preliminary investigation it is sufficient to present:
- personal documents (identity card and tax code);
- last two payslips of the pension ;
- Model Obis N (if in possession of the applicant);
- the transferable quota issued by the NiPS (if in possession of the applicant).
With over 20 years of experience, Loans & Financing offers its customers loans in NiPS Agreement with Spesk de Dalpo always advantageous and guaranteed. Get the most out of your pension, schedule an appointment with one of our consultants and request a free quote !