With the recent circular, INPs have described an important novelty for pensioners and government employees who intend to request mortgages or loans: Since starting from January 12, 2025, Asanjan Solidarity management of credit and social services For,,,,,,,,,, for,, for,,,, for,,,, for,,, for,,,, for,,,, for,,,, for,,, for,,, for,,, for,,, for,,,, for,,, for,,, for,,,, for,,, for,,,, for,,, for,,, for,,,, for,,, for,,, for,,,, for,,, for,,,, for,,, for,,,, for,,, for,,,, for,,, for,,,, for,,,, for,,,, for,,,, for,,,, for,,,, for,,,, for,,, for,,, for,,, for,,, for,,,,, for,,,, for,,,, for,,,, for,, for,.Credit Management) It is possible without any limit.
This change was introduced by law number. 203/2024, allows some types of articles Registration Down Any timeWith the purpose Growth l ‘Approach Subsidic credit services.
What is credit management and who can join
Credit management is a fund that is configured to provide AI Government employees And there Pensioners Aid and credit services, such as Loan E Mortgage A Rate A facility.
Is registration Necessary For active government employees who contribute to the management of government employees, while other categories it is for Optional.
Credit management may follow:
- Former government employees with pension treatment against the management of civil servants, provided they are not involved in the past.
- Former pensioners are pensioners against other social security management of public institutions, which have not previously entered credit management.
- Non -commissioned officers and officers in auxiliary to retirement;
- Government employees do not enroll at the end of service funds and relationships (formerly Enipas or Exit Ideel).
There is registration for credit management Unavoidable And the performance application can only be done after 12 months From the process.
Performance offers
In the main services offered in the Credit Management sector, we know that:
- Small loans with a facilitator rate loan, or a limited amount with a compensation of up to 48 months. Multi -year loans for specific needs such as medical expenses or building renovation and for 10 years pay and mortgage mortgage;
- First financing for home purchases, construction or renovation.
- Subsidic conditions for difficult conditions such as their own health costs or non -autonomous families and natural disasters.
- Scholarships and other steps for the right to study;
- Concessions for holiday and thermal stay.
Some government employees are required to membership, while for others (retired and some types of workers), it is voluntary, which is proportional to monthly deduction wages or pensions.
Contributes and responsibilities for members
Credit Management includes A Payment of A in Asyan ContributionWhich varies according to a worker’s status:
- Government employees – 0.35 % contribution to retirement compensation, detained by employer.
- Retires – The total pension amount is detained by 0.15 %, directly applied by INPS.
It is important to indicate that Not contribute And ReturnEven if the member does not use credit services, even.
The manner of adhesion
Credit management must be followed OnlineBy accessing the institutional portal (INPS.IT) Through digital identification (SPID, CIE or CNS) and using the dedicated method of “Astanity for Credit and Social Services Management”.
Employees are already registered in the fund, who also want to maintain registration After the l RetirementMust present as a must Application Within the last day of service. In this way, they can continue to pay for a partnership without interference and avoid waiting for a year to request services.
Even for those who stop serving after accessing social bees or other exit methods: to maintain continuity, they will have to submit the application before eliminating the service.
