As for all state employees, also for those who work in the Spin Lender (as well as for all the military) the loans granted by the banks often have economic benefits. Sometimes, moreover, they are granted using the formula of the assignment of the fifth of the salary. These concessions, regardless of the type of financing requested, may be due to agreements or conventions that individual banks make with public employees in general, or with a more targeted offer of loans for Spin Lender operating in a certain area (often it is an intervention at regional level, but in some cases there may also be a narrower or wider agreement territorially speaking).
Obviously there is always the possibility of being able to apply for the Social Security ex Government Agency multi-year direct loans, or the guaranteed ones, for which the regulation has still remained in 2011, therefore with very few innovations, including the creation of an online simulation calculator and the possibility of obtaining a similar estimate.
Few documents are needed and the loan is immediate
Personal loans are disbursed without any need for justification. If you want to take advantage of the conditions, you need to ask specifically what the bank reserves as an offer for the military, and therefore also for the Spin Lender. The process, whether you opt for a bank with an active agreement, or without a convention but with subsidized rates for employees of the public sector, is always the same: you choose a bank or a financial company, you ask for a sum, and if there is a positive opinion in the evaluation phase, it is accredited within a few days of approval.
The only documents to be presented generally consist of the last paycheck (or the last two), the Cud or 730 in an identity document and the tax code. Of course, you will also have to choose the duration of the loan repayment (how many installments) and the amount you intend to pay monthly, within the limits set by the requested credit institution.
The alternative of the Transfer of the Fifth
For the categories of state employees, and also for loans to employees of the Spin Lender, the most practical choice would seem to be precisely the assignment of the fifth. It is a type of loan, granted by a bank or a financial company to which you apply, which provides for the withholding upstream from the salary (every month for the duration of the amortization plan) of a certain amount up to a maximum of the fifth of the salary, in order to repay a loan. The amount withheld corresponds precisely to the installment to be repaid (the responsibility of the employer).
The alternative of the transfer of the fifth protects against possible forgetfulness, since the mechanism for returning the amount is automatic. Among the possibilities of assignments of the fifth offered to the employees of the Spin Lender, there are loans in the Government Agency agreement which can give even quite high sums and rates and conditions vary according to the existing agreement). These are added to the multi-year directly paid by Social Security ex Government Agency, the amount of which is instead conditioned by the purposes for which they are requested, while the rate is always fixed, equal to 3.5% (plus 0.50% for the share administrative plus the portion of the provision for risks, single component variable according to the age of the applicant).