Image result for employee loan

What are Eni Employees Loans?

What are Eni Employees Loans?

Loans to Employees of ENI are forms of Funding reserved for employees of this company who are assessed as Para-public Employees . Thanks to the agreements that apply, they can apply for a subsidized loan, lowering interest and obtaining more liquidity.

Available Loan forms are:

  • Personal Loan
  • Employee loans
  • Delegation of Payment
  • Mortgages

 

What are Para-public Employees? What advantages do the Loans to Employees of ENI have?

What are Para-public Employees? What advantages do the Loans to Employees of ENI have?

Para-public Employees are workers belonging to Private Companies that are held in a certain percentage by the State. As for Loans, ENI Employees have practically the same benefits as Public and State Employees. The Loan will also be payable to Employees hired by a few months with a permanent employment contract, also have the right by law to obtain a Salary Fifth Transfer and in some cases, also the Loan with Payment Delegation (depends on the employer of work that may not accept a second payroll deduction).

 

 

What is the Cession of the Fifth? What is the Payment Delegation?

What is the Cession of the Fifth? What is the Payment Delegation?

The Cessione del Quinto is a special form of non-finalized Personal Loan reserved for Employees (Ministerial, Public and Private) and Pensioners (former Public or Private Employees).

A fundamental characteristic that differentiates the assignment of the Fifth from the other technical forms of Loan is the particular repayment method, which provides for the direct involvement of the Employer / Pension in the payment to the bank providing salary / pension shares withheld from the customer on a monthly basis. In order to increase the net payable to the customer, the Delegation of Payment is assimilated to the assignment of the fifth, a type of loan that can be granted only to employees of the Ministry, Public and Private.

The assignment of the fifth is a right of the employee to whom the employer can not object . Instead the Delegation of Payment requires the consent of the employer . Summarizing, with the transfer of the fifth you can commit your monthly salary with a maximum payment of 20% and with the Payment Delegation you can take advantage of another installment of 20% of salary. For a total of 40% of the net salary. In this way, large sums of cash can be obtained (also with current mortgages or reports as bad payers).

 

 

Leave a Reply

Your email address will not be published.