The loan delegation, said "the delegation of payment, funding is not finalized dedicated employees. The delegation
loan is designed to meet the needs of customers to have more money available. E 'particularly in demand when it is already in place a funding payroll, or when you need a particularly large sum, in fact thanks to this financial product you can get an extra digit to that obtained with the "sale of the salary."
provides for a charge higher than other installment loans, the sale usually is accompanied of salary and would not lead to the return of two fifths of the monthly net salary of the borrower institution lender.
The delegation of payment is regulated by Article 1296 and following of the Civil Code, which grants the applicant the opportunity to delegate the company you work for the payment of the debt. Then, as in the case of the loan employees (sale of five), is the same company to deal with the punctual payment of the installment taking the money directly from the employee's paycheck.
As anticipated, the loan installment delegation that accompanied the loan if employees can not exceed two-fifths of the net salary of the applicant.
In this type of loan are commonly combined with two insurance policies:
risk life insurance: to protect family members or relatives in case of death;
insurance required commitment: to protect themselves in case of loss of employment.
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