Inpdap loans are intended for public employees and pensioners enrolled in the Unitary Management of credit and social services (GDP Credit Fund) and for staff of Poste SpA in service activities registered with the Credit Fund Management according to IPOST.
They are intended for public state employees and pensioners and are known as Inpdap loans although since 2012 the National Insurance Institute for Public Administration Employees has been suppressed, merging into Inps. In particular, these are loans at subsidized rates that are disbursed directly by INPS through its fund or also by credit institutions in agreement.
The disbursement of these loans, granted with the formula of the salary or pension-backed loan, changes according to the fund and the management to which you belong. you can immediately compare the offers and request the assignment of the fifth directly online.
Those enrolled in the Unitary Management of credit and social services can apply for a small loan or a multi-year loan. The small loans are intended for members of the Unitary Management of credit and social services and staff of Poste Italiane SpA in service activities registered with the Management Fund Credit according to IPOST. These short-term loans are granted within the limits of the financial resources provided each year in the Institute’s budget and are repaid in constant installments deducted from salary or pension. In this way, therefore, we resort to the assignment of the fifth. The sum is granted by crediting the postal or bank account indicated by the applicant.
When, on the other hand, the loans are granted by banks or affiliated financial companies, through the assignment of a fifth of the pension, the INPS will only apply the deduction on the pension, but it will not be part of the contract which will instead be signed directly by the loan applicant and by the credit institution.
With a small loan, it is possible to request an amount equal to one, two, three, or four net monthly salaries or pensions. This capital can be repaid in 12 installments (annual loans), 24 installments (two-year loans), 36 installments (three-year loans), or 48 installments (four-year loans). If the borrower dies, all obligations are discharged. INPS does not proceed against the heirs for the residual debt.
The application for a small loan must be submitted online. Subscribers to the Unit Management service must access the Inps Portal and generate a security code which will then be communicated to their administration to initiate the application activation request. Once the application has been activated by the membership administration, the subscriber will be able to complete and submit the application.
Retirees registered in the Credit Fund and those registered in the Credit Fund Management ex IPOST can apply both online and through the Contact Center and patronage bodies and intermediaries of the Institute. The documents to be presented are:
- Last salary slip or pension slip
- Salary certificate only in the case of members of the former IPOST Credit Fund
- declaration instead of the applicant’s affidavit
- copy of a valid identity document
The multi-year loans are intended for public employees and pensioners enrolled in the Unitary Management of credit and social services (GDP Credit Fund) and for staff of Poste Italiane SpA in service activities registered with the Credit Fund Management under IPOST. Also, in this case, the service is granted according to financial resources.
The duration of multi-year loans can be:
- 5 years (to be repaid in 60 monthly installments)
- 10 years (to be repaid in 120 monthly installments).
The reimbursement must be made in monthly installments withheld directly in the payslip. The monthly payment cannot go beyond one-fifth of the salary or pension.
Here are the requirements that employees in service registered in the Unitary Management of credit and social services and employees of Poste Italiane SpA in service activities registered in the Credit Fund Management according to IPOST must comply:
- 4 years of service useful for retirement purposes and 4 years of contribution to the management of reference
- Be the holder of fixed and continuous salary at the time of submitting the application
- be the holder at the time of the application for a permanent employment contract or a fixed-term employment contract of not less than three years.
Retirees, who are members of the Credit Fund, must contribute with a deduction from the pension at a rate of 0.15%. The documents to be presented to access these loans include the salary or pension slip and, only in the case of members of the former IPOST Credit Fund, also the salary certificate issued by Poste SpA or associated companies; a medical certificate attesting that the loan applicant is healthy or that he is suffering from a stabilized disease; a document proving the loan request; self-certification of family status; the substitutive declaration of an affidavit and a copy of an identity document.