The Delegation of Payment is a loan or form of financing that you pay, as well as the sale of the fifth, always through your salary.
The delegation of payment is a loan that can be evaluated even in the presence of a sale of the fifth in progress . This type of financing, in fact, is normally accompanied by the first deduction present in the pay slip and is often called “double fifth” by virtue of the fact that the amount of the maximum installment that can be evaluated also in this case cannot exceed one fifth of the net salary .
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As well as the salary-backed salary , the customers to whom the loan with payment delegation is addressed are employees with permanent contracts
- state employees
- public employees
- municipal employees
- private employees
here too, it will not be possible to evaluate the delegation of payment for freelancers and in this case also the pensioners for whom it is foreseen, exclusively, the possibility of requesting a loan with a charge of only one fifth to be withheld on the pension.
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The practical procedure, even if at a different regulatory level, is similar to that of the salary-backed one.
As mentioned also for private and municipal employees it is possible to evaluate the delegation of payment to employees , it must be emphasized that the evaluation that is made for a private and municipal delegation is not the same as that of state and public employees, in this case it goes also verified the private or parapublic administration for which the employee works.
A fundamental characteristic of this loan with a delegation of payment , which in most cases concerns state employees, is that an agreement has been signed and is in place between the Ministry of belonging and the Financial Institution or the Bank that is providing the loan. .