Loans for temporary employees are amounts of money made available by credit institutions to those who work for private companies or public bodies. The employee who needs a certain amount of money can request a personal loan, that is free from constraints, or a loan for the payment of an appliance, a car and other goods or services. The sum received must then be repaid in convenient monthly installments at the time of signing the loan agreement, logically including interest.
How to request them
Employees with fixed-term contracts (ie, with expiration) can apply for a loan, only this will have a short duration and therefore even the sum that can be requested will consequently be smaller. Credentials are having a job for at least 6 months and have residence in Italy. Depending on the expiration of the employment contract, the duration of the loan will be long, so an employee who will have his or her employment contract expired in a year will be forced to repay the sum received in up to 12 monthly installments, which means that the the sum that can be requested must necessarily be limited.
To apply for loans for employees, it will be necessary to go to the branch and present the pay slip as a guarantee of income, a valid identity card, a social security number or a health card instead. Once the request has been submitted, the credit institution will examine the financial situation of the applicant and after a few days will decide on the fate of the loan. The employee will also be able to make this request from the comfort of his home by connecting via the internet or directly to the official website of a specific credit institution, or he can consult different estimates and then choose the one that best suits his needs thanks to the comparator of estimates, which is made available. free from some specialized sites.
The salary assignment for fixed-term employees
The category of employees is the one most rewarded by the credit institutions , because they are in possession of the safest guarantee that there is and that is the pay slip, which is synonymous with monthly fixed income. Employees, precisely because they possess this income document, can also take advantage of the loan with salary-backed loan, which specifically means requesting the loan but not having the task of paying it directly, because with this solution every month will be the employer or labor institution to repay the installment to the credit institution, while the debtor will only be charged for the payment of the installment on his pay check.
The salary assignment is so called because the loan installment cannot exceed one fifth of the net salary received by the employee, that is 20%, so making a practical example if an employee receives € 1,000 a month net, the loan installment it cannot exceed 200 euros. To be able to take advantage of the salary transfer, there is only one restriction, namely to take out insurance for sudden loss of work, the credit institution will benefit from this, in the unfortunate event that the employee, with a fixed-term contract , suddenly found himself without a job, would get the sum of the loan from the insurance itself.
Thanks to the solution of the fifth assignment, even the fixed-term employee registered in the register of bad payers or the protestor can easily see themselves accepting a loan, precisely because the reimbursement will not be made by the direct beneficiary of the sum paid and therefore there will be no doubt of new insolvency or delay in repayment of the loan. As you can understand then, the salary-back assignment is really useful for all those who belong to the category of employees.