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The small loan is a short-term loan, repayable according to a phased amortization schedule. The sums will be deducted from the salary of the employee's salary.
Requirements to apply for the small loan
The employee employed by state administrations or local authorities may apply for a small loan.
It is necessary for the applicant to be registered in the "Unit Credit and Social Services Management" ("Credit Fund"), paying the relative contribution by paying the rate of 0.35% in the payroll.
Fixed-term staff may also apply for the small loan, but only for the remaining term until the expiry of the employment contract.
How much can you ask
It is possible to claim amounts equal to the single monthly salary, ie 1, 2, 3 or 4 net monthly salaries, reimbursable respectively in:
- 12 installments (annual loans);
- 24 maturities (two-year loans);
- 36 installments (three-year loans);
- 48 installments (four-year loans).
The loan amount can also be requested in double monthly installments (two net monthly salary payments for each year of amortization) up to a maximum of 8 months, repayable in 48 months, provided that the person administered does not collect Other deductions from salary.
The conditions of the loan
The amount of the loan granted is subject to the application of aan annual nominal interest of 4.25%, a rate of 0.50% relating to administrative costs and a risk premium applied by age and by duration of the loan.
Self service for the small loan
Through self-service in the reserved area of NoiPA, the employee can make the request.
After receiving the application, the NoiPA system integrates the legal and economic data of the employee and transmits them to INPS – the former INPDAP management.
Following the approval of the INPS, the accreditation procedures are automatically initiated by NoiPA and the loan amount is paid directly into the current account of the administration.
In order to proceed with the request, it is necessary to enter the reserved area of the portal NoiPA and to access the form to complete the loan application via the function "-> Self service -> Small loan" .
In the form will already be present information related to salary certified by NoiPA. In case you access the private area with VAT code and pbadword or with SPID, to be able to use and finalize the operation of sending a modest loan application, you need to have the PIN code for identification. In case of access with the National Service Card (CNS), it is not necessary to enter the PIN code. In addition to allowing the compilation and transmission of the application online, self-service Small loan NoiPA offers additional features for benefits.
In fact, thanks to self-service, it is possible to:
- Conduct simulations of small loan applications and view simulation data from the fifth transferable on the last pay slip and posted on the portal;
- submit the application for a small loan
- follow the progress of the practice and see the result of the request.
How long is the sum received?
Normally, the average duration of the procedure for granting the small loan is between 45 and 60 days.
All the information updated on 18/10/2018 on the portal NoIPA
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