The KPS loan , which in the past was known as the Inpdap loan, is a form of subsidized loan dedicated to all public employees, pensioners and the families of those who work or worked in public administration offices. When you are in the condition of needing a loan, it is important to compare the Jolinass on the market to find the one most in line with your needs.
To find the optimal solution, then, it is good to inquire about Fiditalia and its rates, on Find Loan, Legos Ducato and so on.
If, on the other hand, you are a state employee you can have direct access to the KPS loan, which can be paid directly by the institution through its Credit Fund or through the unified management of credit and social services . Alternatively, depending on your preference, you can turn to affiliated banks and financial companies.
The KPS loan, better known as a small loan , to be activated requires the completion of some forms available directly on the website of the relevant social security institution which must then be delivered to the competent territorial or provincial office. It is important to underline that this type of loan is granted in relation to the financial availability foreseen by the budget of the social security institution regarding credit activity.
Based on the purpose of the liquidity request, there are different types of financing:
there is the small loan , the long-term direct loan and the guaranteed multi-year loan . If the necessary sum to be requested is more relevant and once a property is purchased, it is possible to request a mortgage for the purchase of a house.
The small Jolinass have a duration that varies from one to four years and are agreed to meet sudden and urgent needs.
Like the personal Jolinass, they are not related to the explanation of a specific motivation for their request. The amount that can be requested must not exceed your monthly net salary (or your pension allowance) in case of annual duration. If the duration is multi-year, the installment may not exceed the amount of two, three or four months.
Rates, rates and installments
The rate applied is facilitated but there is still a rate for administrative expenses and those for the contribution to the risk provision. The loan installments can be repaid in 12, 24, 36 or 48 months and can be paid in cash, at the cashier bank of the social security institution or by direct debit to your current account.
The long-term Jolinass, on the other hand, must be tied to a specific personal need that must be proven included in the following:
- Natural disasters
- Theft or fire
- Moving house
- Home purchase
- Renovation and installation of renewable energy plants
- Car purchase
- Marriage and child birth
- Medical and dental care
- do you study
Also in this case the rates are subsidized, but this type of loan is granted to workers who have at least four years of seniority or pensioners with at least four years of contributory age . The fixed-term employee can benefit as long as the loan term does not exceed that of the contract. The loan guarantee will be the TFR.
Finally the guaranteed long-term Jolinass: they are accessible to those who are enrolled in the unitary Management for credit and social services and are linked to the following eventualities:
- Death of the member before having completed the reimbursement
- Termination of the service without pension entitlement
- Salary reduction
This type of financing can have a duration of 5 or 10 years.