Piccolo Prestito INPDAP

Il mercato dei finanziamenti è in continua evoluzione tanto che, oggigiorno, possiamo disporre di un’ampia gamma di offerte tra le quali scegliere il prestito a tasso basso, più adatto a noi.

SEZIONI

Cos’è il Piccolo Prestito e a chi si rivolge

Il ‘Piccolo Prestito gestione unitaria delle prestazioni creditizie e sociali’ è una tipologia di finanziamento che può essere concessa ai dipendenti pubblici in servizio o in pensione iscritti al Fondo Credito, ed anche ai lavoratori assunti presso le Poste Italiane facenti parte della Gestione Fondo Credito ex IPOST. 

I soggetti dovranno possedere determinati requisiti:

  • Essere in possesso di una retribuzione fissa e continuativa
  • Aver maturato almeno un anno di servizio utile a pensione
  • Essere in possesso di un contratto indeterminato, oppure avere un contratto a tempo determinato da almeno tre anni

 

La somma erogabile non è molto elevata e sarà pari ad un massimo di quattro mensilità nette del dipendente che attua la richiesta. 

Tale cifra dovrà essere restituita in un arco di tempo preconcordato che può andare da un minimo di 12 mesi fino ad un massimo di 4 anni. 

 

Un’altra soluzione possibile, per ottenere una quantità di denaro maggiore, prevede di poter chiedere solo due mensilità nette all’anno per quattro anni, così da ottenere una somma pari ad otto stipendi/pensioni.

Piccolo Prestito INPDAP

Come si rimborsa il Piccolo Prestito?

Nel momento in cui si firma il contratto per ottenere il finanziamento tramite INPS, il cliente non dovrà ricordarsi ogni mese di pagare un bollettino con la rata per il saldo del debito. 

Al contrario, l’importo mensile concordato verrà trattenuto direttamente dalla sua busta paga o dalla sua pensione, senza che egli debba intervenire in prima persona. 

 

In base al numero di mensilità richieste, varia la durata del saldo del debito. 

Prestiti con Basso Tasso di interesse

Se si richiede una sola mensilità, la durata dell’estinzione sarà di un solo anno; se si richiedono due mesi di stipendio, saranno da restituire in due anni, e così di conseguenza. 

Lo stesso calcolo viene utilizzato per la seconda opzione di credito, quella delle otto mensilità. 

Nell’eventualità in cui si decidesse di non voler più sostenere il debito, la somma mancante può essere rimborsata in un’unica soluzione ed in qualsiasi momento, ponendo fine agli obblighi del creditore verso l’INPS.

Come fare la richiesta e quali sono le tempistiche del Piccolo Prestito

Una volta valutate le opzioni e aver scelto di aprire questo tipo di finanziamento, per inviare la domanda ed ottenere la liquidità il procedimento è molto semplice. 

 

Il richiedente dovrà accedere al sito dell’INPS nella propria area personale; per farlo dovrà utilizzare una tra queste modalità:

  • SPID, di Livello 2 o superiore
  • PIN rilasciato dallo stesso INPS
  • Carta d’Identità Elettronica, CIE
  • Carta Nazionale dei Servizi, CNS

Per i pensionati, è disponibile anche un servizio di contact center (803 164 da fisso, 06 164 164 da cellulare); in alternativa, il soggetto potrà recarsi fisicamente presso il patronato più vicino. 

 

Dopo aver effettuato l’accesso, bisognerà seguire le istruzioni riportate sul sito e munirsi di:

  • Documento d’Identità valido (una copia)
  • Ultima busta paga o ultimo cedolino pensione (una copia)
  • Dichiarazione sostitutiva di atto notorio (per attestare la validità dei documenti sopracitati)

 

Quando la domanda sarà stata completata ed inviata, l’Ente provvederà a controllarne la validità ed infine ad approvarla. Entro 48 ore, il cliente riceverà una notifica di avvenuto controllo e provvederà a completare le fasi finali della procedura, per attivare definitivamente il finanziamento. 

La notifica, di cui accennato, verrà ricevuta tramite SMS o tramite E-mail o altri recapiti indicati durante la compilazione della domanda.

 

Una volta chiusa la pratica, il tempo d’attesa per vedersi recapitare il denaro sarà dai 45 ai 60 giorni massimo.

Cosa avviene in caso di liquidazione?

Se durante il rimborso del debito, avvengono alcuni cambiamenti nello stato di lavoro del debitore, le dinamiche che ne deriveranno si baseranno sulla situazione avvenuta. 

 

Qualora il lavoratore cambiasse solamente la sede lavorativa, rimanendo comunque in servizio presso un’Amministrazione pubblica, oppure, più semplicemente, dovesse terminare il suo contratto di lavoro per entrare in pensione, le informazioni verranno passate al nuovo Ente competente. Questo provvederà a continuare con le trattenute sulla busta paga, nel primo caso, oppure a ‘trasferirle’ alla pensione. 

 

Nel caso in cui, invece, il lavoratore perdesse la sua posizione, la cifra ancora da rimborsare verrà trattenuta direttamente dal TFR (Trattato di Fine Rapporto) oppure su una possibile Indennità concessa. 

Se la cifra non basta a coprire il debito, il soggetto dovrà provvedere autonomamente al rimborso.

 

Nel malaugurato caso di un decesso del richiedente, il debito verrà considerato estinto e non ricadrà sugli eredi.

Il rigetto del Piccolo Prestito. Cosa fare se viene respinta la richiesta.

Non sempre il finanziamento può venir concesso da parte dell’INPS e i motivi possono essere molteplici. 

Tra questi possono esserci la mancanza dei prerequisiti richiesti al soggetto; oppure, quando la durata del piano di ammortamento vada oltre la data di fine del contratto di lavoro a tempo determinato; od anche, la mancata iscrizione al Fondo Credito, se si parla di un pensionato.

Tabelle del Piccolo Prestito

Qui sotto puoi vedere una tabella del piccolo prestito INPDAP annuale:

IMPORTO LORDO
(Valore attuale)
RATAInteressi di differimento (*)Spese amministra tive18-59 60-64 65-69 70-74 75-79 80-84 85-89  
Spese Fondo
garanzia
IMPORTO NETTOSpese Fondo
garanzia
IMPORTO NETTOSpese Fondo
garanzia
IMPORTO NETTOSpese Fondo garanziaIMPORTO NETTOSpese Fondo garanziaIMPORTO NETTOSpese Fondo garanziaIMPORTO NETTOSpese Fondo garanziaIMPORTO NETTO
100085.235.1951.7988.113.4986.415.7984.119.6980.2116.8973.0128.1961.7150.6939.21
110093.755.715.51.871086.923.741085.056.271082.5210.561078.2318.481070.3130.911057.8855.661033.13
1200102.276.2362.041185.734.081183.696.841180.9311.521176.2520.161167.6133.721154.0560.721127.05
1300110.86.756.52.211284.544.421282.337.411279.3412.481274.2721.841264.9136.531250.2265.781220.97
1400119.327.2672.381383.364.761380.987.981377.7613.441372.323.521362.2239.341346.470.841314.9
1500127.847.787.52.551482.175.11479.628.551476.1714.41470.3225.21459.5242.151442.5775.91408.82
1600136.368.382.721580.985.441578.269.121574.5815.361568.3426.881556.8244.961538.7480.961502.74
1700144.898.828.52.891679.795.781676.99.691672.9916.321666.3628.561654.1247.771634.9186.021596.66
1800153.419.3493.061778.66.121775.5410.261771.417.281764.3830.241751.4250.581731.0891.081690.58
1900161.939.869.53.231877.416.461874.1810.831869.8118.241862.431.921848.7253.391827.2596.141784.5
2000170.4510.38103.41976.226.81972.8211.41968.2219.21960.4233.61946.0256.21923.42101.21878.42
2100178.9810.910.53.572075.037.142071.4611.972066.6320.162058.4435.282043.3259.012019.59106.261972.34
2200187.511.42113.742173.847.482170.112.542165.0421.122156.4636.962140.6261.822115.76111.322066.26
2300196.0211.9411.53.912272.657.822268.7413.112263.4522.082254.4838.642237.9264.632211.93116.382160.18
2400204.5512.45124.082371.478.162367.3913.682361.8723.042352.5140.322335.2367.442308.11121.442254.11
2500213.0712.9712.54.252470.288.52466.0314.252460.28242450.53422432.5370.252404.28126.52348.03
2600221.5913.49134.422569.098.842564.6714.822558.6924.962548.5543.682529.8373.062500.45131.562441.95
2700230.1114.0113.54.592667.99.182663.3115.392657.125.922646.5745.362627.1375.872596.62136.622535.87
2800238.6414.53144.762766.719.522761.9515.962755.5126.882744.5947.042724.4378.682692.79141.682629.79
2900247.1615.0514.54.932865.529.862860.5916.532853.9227.842842.6148.722821.7381.492788.96146.742723.71
3000255.6815.57155.12964.3310.22959.2317.12952.3328.82940.6350.42919.0384.32885.13151.82817.63
3100264.216.0915.55.273063.1410.543057.8717.673050.7429.763038.6552.083016.3387.112981.3156.862911.55
3200272.7316.61165.443161.9510.883156.5118.243149.1530.723136.6753.763113.6389.923077.47161.923005.47
3300281.2517.1216.55.613260.7711.223255.1618.813247.5731.683234.755.443210.9492.733173.65166.983099.4
3400289.7717.64175.783359.5811.563353.819.383345.9832.643332.7257.123308.2495.543269.82172.043193.32
3500298.318.1617.55.953458.3911.93452.4419.953444.3933.63430.7458.83405.5498.353365.99177.13287.24
3600306.8218.68186.123557.212.243551.0820.523542.834.563528.7660.483502.84101.163462.16182.163381.16
3700315.3419.218.56.293656.0112.583649.7221.093641.2135.523626.7862.163600.14103.973558.33187.223475.08
3800323.8619.72196.463754.8212.923748.3621.663739.6236.483724.863.843697.44106.783654.5192.283569
3900332.3920.2419.56.633853.6313.26384722.233838.0337.443822.8265.523794.74109.593750.67197.343662.92
4000340.9120.76206.83952.4413.63945.6422.83936.4438.43920.8467.23892.04112.43846.84202.43756.84
4100349.4321.2820.56.974051.2513.944044.2823.374034.8539.364018.8668.883989.34115.213943.01207.463850.76
4200357.9521.79217.144150.0714.284142.9323.944133.2740.324116.8970.564086.65118.024039.19212.523944.69
4300366.4822.3121.57.314248.8814.624241.5724.514231.6841.284214.9172.244183.95120.834135.36217.584038.61
440037522.83227.484347.6914.964340.2125.084330.0942.244312.9373.924281.25123.644231.53222.644132.53
4500383.5223.3522.57.654446.515.34438.8525.654428.543.24410.9575.64378.55126.454327.7227.74226.45
4600392.0523.87237.824545.3115.644537.4926.224526.9144.164508.9777.284475.85129.264423.87232.764320.37
4700400.5724.3923.57.994644.1215.984636.1326.794625.3245.124606.9978.964573.15132.074520.04237.824414.29
4800409.0924.91248.164742.9316.324734.7727.364723.7346.084705.0180.644670.45134.884616.21242.884508.21
4900417.6125.4324.58.334841.7416.664833.4127.934822.1447.044803.0382.324767.75137.694712.38247.944602.13
5000426.1425.95258.54940.55174932.0528.54920.55484901.05844865.05140.54808.552534696.05
5100434.6626.4625.58.675039.3717.345030.729.075018.9748.964999.0885.684962.36143.314904.73258.064789.98
5200443.1826.98268.845138.1817.685129.3429.645117.3849.925097.187.365059.66146.125000.9263.124883.9
5300451.727.526.59.015236.9918.025227.9830.215215.7950.885195.1289.045156.96148.935097.07268.184977.82
5400460.2328.02279.185335.818.365326.6230.785314.251.845293.1490.725254.26151.745193.24273.245071.74
5500468.7528.5427.59.355434.6118.75425.2631.355412.6152.85391.1692.45351.56154.555289.41278.35165.66
5600477.2729.06289.525533.4219.045523.931.925511.0253.765489.1894.085448.86157.365385.58283.365259.58
5700485.829.5828.59.695632.2319.385622.5432.495609.4354.725587.295.765546.16160.175481.75288.425353.5
5800494.3230.1299.865731.0419.725721.1833.065707.8455.685685.2297.445643.46162.985577.92293.485447.42
5900502.8430.6229.510.035829.8520.065819.8233.635806.2556.645783.2499.125740.76165.795674.09298.545541.34
6000511.3631.143010.25928.6620.45918.4634.25904.6657.65881.26100.85838.06168.65770.26303.65635.26
6100519.8931.6530.510.376027.4820.746017.1134.776003.0858.565979.29102.485935.37171.415866.44308.665729.19
6200528.4132.173110.546126.2921.086115.7535.346101.4959.526077.31104.166032.67174.225962.61313.725823.11
6300536.9332.6931.510.716225.121.426214.3935.916199.960.486175.33105.846129.97177.036058.78318.785917.03
6400545.4533.213210.886323.9121.766313.0336.486298.3161.446273.35107.526227.27179.846154.95323.846010.95
6500553.9833.7332.511.056422.7222.16411.6737.056396.7262.46371.37109.26324.57182.656251.12328.96104.87
6600562.534.253311.226521.5322.446510.3137.626495.1363.366469.39110.886421.87185.466347.29333.966198.79
6700571.0234.7733.511.396620.3422.786608.9538.196593.5464.326567.41112.566519.17188.276443.46339.026292.71
6800579.5535.293411.566719.1523.126707.5938.766691.9565.286665.43114.246616.47191.086539.63344.086386.63
6900588.0735.8134.511.736817.9623.466806.2339.336790.3666.246763.45115.926713.77193.896635.8349.146480.55
7000596.5936.323511.96916.7823.86904.8839.96888.7867.26861.48117.66811.08196.76731.98354.26574.48
7100605.1136.8435.512.077015.5924.147003.5240.476987.1968.166959.5119.286908.38199.516828.15359.266668.4
7200613.6437.363612.247114.424.487102.1641.047085.669.127057.52120.967005.68202.326924.32364.326762.32
7300622.1637.8836.512.417213.2124.827200.841.617184.0170.087155.54122.647102.98205.137020.49369.386856.24
7400630.6838.43712.587312.0225.167299.4442.187282.4271.047253.56124.327200.28207.947116.66374.446950.16
7500639.238.9237.512.757410.8325.57398.0842.757380.83727351.581267297.58210.757212.83379.57044.08
7600647.7339.443812.927509.6425.847496.7243.327479.2472.967449.6127.687394.88213.567309384.567138
7700656.2539.9638.513.097608.4526.187595.3643.897577.6573.927547.62129.367492.18216.377405.17389.627231.92
7800664.7740.483913.267707.2626.52769444.467676.0674.887645.64131.047589.48219.187501.34394.687325.84
7900673.340.9939.513.437806.0826.867792.6545.037774.4875.847743.67132.727686.79221.997597.52399.747419.77
8000681.8241.514013.67904.8927.27891.2945.67872.8976.87841.69134.47784.09224.87693.69404.87513.69
8100690.3442.0340.513.778003.727.547989.9346.177971.377.767939.71136.087881.39227.617789.86409.867607.61
8200698.8642.554113.948102.5127.888088.5746.748069.7178.728037.73137.767978.69230.427886.03414.927701.53
8300707.3943.0741.514.118201.3228.228187.2147.318168.1279.688135.75139.448075.99233.237982.2419.987795.45
8400715.9143.594214.288300.1328.568285.8547.888266.5380.648233.77141.128173.29236.048078.37425.047889.37
8500724.4344.1142.514.458398.9428.98384.4948.458364.9481.68331.79142.88270.59238.858174.54430.17983.29
8600732.9544.634314.628497.7529.248483.1349.028463.3582.568429.81144.488367.89241.668270.71435.168077.21
8700741.4845.1543.514.798596.5629.588581.7749.598561.7683.528527.83146.168465.19244.478366.88440.228171.13
880075045.664414.968695.3829.928680.4250.168660.1884.488625.86147.848562.5247.288463.06445.288265.06
8900758.5246.1844.515.138794.1930.268779.0650.738758.5985.448723.88149.528659.8250.098559.23450.348358.98
9000767.0546.74515.3889330.68877.751.3885786.48821.9151.28757.1252.98655.4455.48452.9
9100775.5747.2245.515.478991.8130.948976.3451.878955.4187.368919.92152.888854.4255.718751.57460.468546.82
9200784.0947.744615.649090.6231.289074.9852.449053.8288.329017.94154.568951.7258.528847.74465.528640.74
9300792.6148.2646.515.819189.4331.629173.6253.019152.2389.289115.96156.249049261.338943.91470.588734.66
9400801.1448.784715.989288.2431.969272.2653.589250.6490.249213.98157.929146.3264.149040.08475.648828.58
9500809.6649.347.516.159387.0532.39370.954.159349.0591.29312159.69243.6266.959136.25480.78922.5
9600818.1849.824816.329485.8632.649469.5454.729447.4692.169410.02161.289340.9269.769232.42485.769016.42
9700826.750.3448.516.499584.6732.989568.1855.299545.8793.129508.04162.969438.2272.579328.59490.829110.34
9800835.2350.854916.669683.4933.329666.8355.869644.2994.089606.07164.649535.51275.389424.77495.889204.27
9900843.7551.3749.516.839782.333.669765.4756.439742.795.049704.09166.329632.81278.199520.94500.949298.19
10000852.2751.8950179881.11349864.11579841.11969802.111689730.112819617.115069392.11
10100860.852.4150.517.179979.9234.349962.7557.579939.5296.969900.13169.689827.41283.819713.28511.069486.03
10200869.3252.935117.3410078.7334.6810061.3958.1410037.9397.929998.15171.369924.71286.629809.45516.129579.95
10300877.8453.4551.517.5110177.5435.0210160.0358.7110136.3498.8810096.17173.0410022.01289.439905.62521.189673.87
10400886.3653.975217.6810276.3535.3610258.6759.2810234.7599.8410194.19174.7210119.31292.2410001.79526.249767.79
10500894.8954.4952.517.8510375.1635.710357.3159.8510333.16100.810292.21176.410216.61295.0510097.96531.39861.71
10600903.4155.015318.0210473.9736.0410455.9560.4210431.57101.7610390.23178.0810313.91297.8610194.13536.369955.63
10700911.9355.5253.518.1910572.7936.3810554.660.9910529.99102.7210488.26179.7610411.22300.6710290.31541.4210049.56
10800920.4656.045418.3610671.636.7210653.2461.5610628.4103.6810586.28181.4410508.52303.4810386.48546.4810143.48
10900928.9856.5654.518.5310770.4137.0610751.8862.1310726.81104.6410684.3183.1210605.82306.2910482.65551.5410237.4
11000937.557.085518.710869.2237.410850.5262.710825.22105.610782.32184.810703.12309.110578.82556.610331.32
11100946.0257.655.518.8710968.0337.7410949.1663.2710923.63106.5610880.34186.4810800.42311.9110674.99561.6610425.24
11200954.5558.125619.0411066.8438.0811047.863.8411022.04107.5210978.36188.1610897.72314.7210771.16566.7210519.16
11300963.0758.6456.519.2111165.6538.4211146.4464.4111120.45108.4811076.38189.8410995.02317.5310867.33571.7810613.08
11400971.5959.165719.3811264.4638.7611245.0864.9811218.86109.4411174.4191.5211092.32320.3410963.5576.8410707
11500980.1159.6857.519.5511363.2739.111343.7265.5511317.27110.411272.42193.211189.62323.1511059.67581.910800.92
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380003238.64197.1919064.637548.21129.237483.61216.637396.21364.837248.01638.436974.411067.836545.011922.835690.01
381003247.16197.71190.564.7737647.02129.5437582.25217.1737494.62365.7637346.03640.0837071.711070.6136641.181927.8635783.93
382003255.68198.2319164.9437745.83129.8837680.89217.7437593.03366.7237444.05641.7637169.011073.4236737.351932.9235877.85
383003264.21198.75191.565.1137844.64130.2237779.53218.3137691.44367.6837542.07643.4437266.311076.2336833.521937.9835971.77
384003272.73199.2719265.2837943.45130.5637878.17218.8837789.85368.6437640.09645.1237363.611079.0436929.691943.0436065.69
385003281.25199.78192.565.4538042.27130.937976.82219.4537888.27369.637738.12646.837460.921081.8537025.871948.136159.62
386003289.77200.319365.6238141.08131.2438075.46220.0237986.68370.5637836.14648.4837558.221084.6637122.041953.1636253.54
387003298.3200.82193.565.7938239.89131.5838174.1220.5938085.09371.5237934.16650.1637655.521087.4737218.211958.2236347.46
388003306.82201.3419465.9638338.7131.9238272.74221.1638183.5372.4838032.18651.8437752.821090.2837314.381963.2836441.38
389003315.34201.86194.566.1338437.51132.2638371.38221.7338281.91373.4438130.2653.5237850.121093.0937410.551968.3436535.3
390003323.87202.3819566.338536.32132.638470.02222.338380.32374.438228.22655.237947.421095.937506.721973.436629.22
391003332.39202.9195.566.4738635.13132.9438568.66222.8738478.73375.3638326.24656.8838044.721098.7137602.891978.4636723.14
392003340.91203.4219666.6438733.94133.2838667.3223.4438577.14376.3238424.26658.5638142.021101.5237699.061983.5236817.06
393003349.43203.94196.566.8138832.75133.6238765.94224.0138675.55377.2838522.28660.2438239.321104.3337795.231988.5836910.98
394003357.96204.4519766.9838931.57133.9638864.59224.5838773.97378.2438620.31661.9238336.631107.1437891.411993.6437004.91
395003366.48204.97197.567.1539030.38134.338963.23225.1538872.38379.238718.33663.638433.931109.9537987.581998.737098.83
396003375205.4919867.3239129.19134.6439061.87225.7238970.79380.1638816.35665.2838531.231112.7638083.752003.7637192.75
397003383.52206.01198.567.4939228134.9839160.51226.2939069.2381.1238914.37666.9638628.531115.5738179.922008.8237286.67
398003392.05206.5319967.6639326.81135.3239259.15226.8639167.61382.0839012.39668.6438725.831118.3838276.092013.8837380.59
399003400.57207.05199.567.8339425.62135.6639357.79227.4339266.02383.0439110.41670.3238823.131121.1938372.262018.9437474.51
400003409.09207.572006839524.4313639456.4322839364.4338439208.4367238920.43112438468.43202437568.43
401003417.62208.09200.568.1739623.24136.3439555.07228.5739462.84384.9639306.45673.6839017.731126.8138564.62029.0637662.35
402003426.14208.6120168.3439722.05136.6839653.71229.1439561.25385.9239404.47675.3639115.031129.6238660.772034.1237756.27
403003434.66209.12201.568.5139820.87137.0239752.36229.7139659.67386.8839502.5677.0439212.341132.4338756.952039.1837850.2
404003443.18209.6420268.6839919.68137.3639851230.2839758.08387.8439600.52678.7239309.641135.2438853.122044.2437944.12
405003451.71210.16202.568.8540018.49137.739949.64230.8539856.49388.839698.54680.439406.941138.0538949.292049.338038.04
406003460.23210.6820369.0240117.3138.0440048.28231.4239954.9389.7639796.56682.0839504.241140.8639045.462054.3638131.96
407003468.75211.2203.569.1940216.11138.3840146.92231.9940053.31390.7239894.58683.7639601.541143.6739141.632059.4238225.88
408003477.27211.7220469.3640314.92138.7240245.56232.5640151.72391.6839992.6685.4439698.841146.4839237.82064.4838319.8
409003485.8212.24204.569.5340413.73139.0640344.2233.1340250.13392.6440090.62687.1239796.141149.2939333.972069.5438413.72
410003494.32212.7620569.740512.54139.440442.84233.740348.54393.640188.64688.839893.441152.139430.142074.638507.64
411003502.84213.28205.569.8740611.35139.7440541.48234.2740446.95394.5640286.66690.4839990.741154.9139526.312079.6638601.56
412003511.37213.7920670.0440710.17140.0840640.13234.8440545.37395.5240384.69692.1640088.051157.7239622.492084.7238695.49
413003519.89214.31206.570.2140808.98140.4240738.77235.4140643.78396.4840482.71693.8440185.351160.5339718.662089.7838789.41
414003528.41214.8320770.3840907.79140.7640837.41235.9840742.19397.4440580.73695.5240282.651163.3439814.832094.8438883.33
415003536.93215.35207.570.5541006.6141.140936.05236.5540840.6398.440678.75697.240379.951166.15399112099.938977.25
416003545.46215.8720870.7241105.41141.4441034.69237.1240939.01399.3640776.77698.8840477.251168.9640007.172104.9639071.17
417003553.98216.39208.570.8941204.22141.7841133.33237.6941037.42400.3240874.79700.5640574.551171.7740103.342110.0239165.09
418003562.5216.9120971.0641303.03142.1241231.97238.2641135.83401.2840972.81702.2440671.851174.5840199.512115.0839259.01
419003571.02217.43209.571.2341401.84142.4641330.61238.8341234.24402.2441070.83703.9240769.151177.3940295.682120.1439352.93
420003579.55217.9521071.441500.65142.841429.25239.441332.65403.241168.85705.640866.451180.240391.852125.239446.85
421003588.07218.47210.571.5741599.46143.1441527.89239.9741431.06404.1641266.87707.2840963.751183.0140488.022130.2639540.77
422003596.59218.9821171.7441698.28143.4841626.54240.5441529.48405.1241364.9708.9641061.061185.8240584.22135.3239634.7
423003605.12219.5211.571.9141797.09143.8241725.18241.1141627.89406.0841462.92710.6441158.361188.6340680.372140.3839728.62
424003613.64220.0221272.0841895.9144.1641823.82241.6841726.3407.0441560.94712.3241255.661191.4440776.542145.4439822.54
425003622.16220.54212.572.2541994.71144.541922.46242.2541824.7140841658.9671441352.961194.2540872.712150.539916.46
426003630.68221.0621372.4242093.52144.8442021.1242.8241923.12408.9641756.98715.6841450.261197.0640968.882155.5640010.38
427003639.21221.58213.572.5942192.33145.1842119.74243.3942021.53409.9241855717.3641547.561199.8741065.052160.6240104.3
428003647.73222.121472.7642291.14145.5242218.38243.9642119.94410.8841953.02719.0441644.861202.6841161.222165.6840198.22
429003656.25222.62214.572.9342389.95145.8642317.02244.5342218.35411.8442051.04720.7241742.161205.4941257.392170.7440292.14
430003664.77223.1421573.142488.76146.242415.66245.142316.76412.842149.06722.441839.461208.341353.562175.840386.06
431003673.3223.65215.573.2742587.58146.5442514.31245.6742415.18413.7642247.09724.0841936.771211.1141449.742180.8640479.99
432003681.82224.1721673.4442686.39146.8842612.95246.2442513.59414.7242345.11725.7642034.071213.9241545.912185.9240573.91
433003690.34224.69216.573.6142785.2147.2242711.59246.8142612415.6842443.13727.4442131.371216.7341642.082190.9840667.83
434003698.87225.2121773.7842884.01147.5642810.23247.3842710.41416.6442541.15729.1242228.671219.5441738.252196.0440761.75
435003707.39225.73217.573.9542982.82147.942908.87247.9542808.82417.642639.17730.842325.971222.3541834.422201.140855.67
436003715.91226.2521874.1243081.63148.2443007.51248.5242907.23418.5642737.19732.4842423.271225.1641930.592206.1640949.59
437003724.43226.77218.574.2943180.44148.5843106.15249.0943005.64419.5242835.21734.1642520.571227.9742026.762211.2241043.51
438003732.96227.2921974.4643279.25148.9243204.79249.6643104.05420.4842933.23735.8442617.871230.7842122.932216.2841137.43
439003741.48227.81219.574.6343378.06149.2643303.43250.2343202.46421.4443031.25737.5242715.171233.5942219.12221.3441231.35
440003750228.3222074.843476.88149.643402.08250.843300.88422.443129.28739.242812.481236.442315.282226.441325.28
441003758.52228.84220.574.9743575.69149.9443500.72251.3743399.29423.3643227.3740.8842909.781239.2142411.452231.4641419.2
442003767.05229.3622175.1443674.5150.2843599.36251.9443497.7424.3243325.32742.5643007.081242.0242507.622236.5241513.12
443003775.57229.88221.575.3143773.31150.6243698252.5143596.11425.2843423.34744.2443104.381244.8342603.792241.5841607.04
444003784.09230.422275.4843872.12150.9643796.64253.0843694.52426.2443521.36745.9243201.681247.6442699.962246.6441700.96
445003792.62230.92222.575.6543970.93151.343895.28253.6543792.93427.243619.38747.643298.981250.4542796.132251.741794.88
446003801.14231.4422375.8244069.74151.6443993.92254.2243891.34428.1643717.4749.2843396.281253.2642892.32256.7641888.8
447003809.66231.96223.575.9944168.55151.9844092.56254.7943989.75429.1243815.42750.9643493.581256.0742988.472261.8241982.72
448003818.18232.4822476.1644267.36152.3244191.2255.3644088.16430.0843913.44752.6443590.881258.8843084.642266.8842076.64
449003826.71233224.576.3344366.17152.6644289.84255.9344186.57431.0444011.46754.3243688.181261.6943180.812271.9442170.56
450003835.23233.5122576.544464.9915344388.49256.544284.9943244109.4975643785.491264.543276.99227742264.49
451003843.75234.03225.576.6744563.8153.3444487.13257.0744383.4432.9644207.51757.6843882.791267.3143373.162282.0642358.41
452003852.27234.5522676.8444662.61153.6844585.77257.6444481.81433.9244305.53759.3643980.091270.1243469.332287.1242452.33
453003860.8235.07226.577.0144761.42154.0244684.41258.2144580.22434.8844403.55761.0444077.391272.9343565.52292.1842546.25
454003869.32235.5922777.1844860.23154.3644783.05258.7844678.63435.8444501.57762.7244174.691275.7443661.672297.2442640.17
455003877.84236.11227.577.3544959.04154.744881.69259.3544777.04436.844599.59764.444271.991278.5543757.842302.342734.09
456003886.37236.6322877.5245057.85155.0444980.33259.9244875.45437.7644697.61766.0844369.291281.3643854.012307.3642828.01
457003894.89237.15228.577.6945156.66155.3845078.97260.4944973.86438.7244795.63767.7644466.591284.1743950.182312.4242921.93
458003903.41237.6722977.8645255.47155.7245177.61261.0645072.27439.6844893.65769.4444563.891286.9844046.352317.4843015.85
459003911.93238.18229.578.0345354.29156.0645276.26261.6345170.69440.6444991.68771.1244661.21289.7944142.532322.5443109.78
460003920.46238.723078.245453.1156.445374.9262.245269.1441.645089.7772.844758.51292.644238.72327.643203.7
461003928.98239.22230.578.3745551.91156.7445473.54262.7745367.51442.5645187.72774.4844855.81295.4144334.872332.6643297.62
462003937.5239.7423178.5445650.72157.0845572.18263.3445465.92443.5245285.74776.1644953.11298.2244431.042337.7243391.54
463003946.02240.26231.578.7145749.53157.4245670.82263.9145564.33444.4845383.76777.8445050.41301.0344527.212342.7843485.46
464003954.55240.7823278.8845848.34157.7645769.46264.4845662.74445.4445481.78779.5245147.71303.8444623.382347.8443579.38
465003963.07241.3232.579.0545947.15158.145868.1265.0545761.15446.445579.8781.2452451306.6544719.552352.943673.3
466003971.59241.8223379.2246045.96158.4445966.74265.6245859.56447.3645677.82782.8845342.31309.4644815.722357.9643767.22
467003980.12242.34233.579.3946144.77158.7846065.38266.1945957.97448.3245775.84784.5645439.61312.2744911.892363.0243861.14
468003988.64242.8523479.5646243.59159.1246164.03266.7646056.39449.2845873.87786.2445536.911315.0845008.072368.0843955.07
469003997.16243.37234.579.7346342.4159.4646262.67267.3346154.8450.2445971.89787.9245634.211317.8945104.242373.1444048.99
470004005.68243.8923579.946441.21159.846361.31267.946253.21451.246069.91789.645731.511320.745200.412378.244142.91
471004014.21244.41235.580.0746540.02160.1446459.95268.4746351.62452.1646167.93791.2845828.811323.5145296.582383.2644236.83
472004022.73244.9323680.2446638.83160.4846558.59269.0446450.03453.1246265.95792.9645926.111326.3245392.752388.3244330.75
473004031.25245.45236.580.4146737.64160.8246657.23269.6146548.44454.0846363.97794.6446023.411329.1345488.922393.3844424.67
474004039.77245.9723780.5846836.45161.1646755.87270.1846646.85455.0446461.99796.3246120.711331.9445585.092398.4444518.59
475004048.3246.49237.580.7546935.26161.546854.51270.7546745.2645646560.0179846218.011334.7545681.262403.544612.51
476004056.82247.0123880.9247034.07161.8446953.15271.3246843.67456.9646658.03799.6846315.311337.5645777.432408.5644706.43
477004065.34247.52238.581.0947132.89162.1847051.8271.8946942.09457.9246756.06801.3646412.621340.3745873.612413.6244800.36
478004073.87248.0423981.2647231.7162.5247150.44272.4647040.5458.8846854.08803.0446509.921343.1845969.782418.6844894.28
479004082.39248.56239.581.4347330.51162.8647249.08273.0347138.91459.8446952.1804.7246607.221345.9946065.952423.7444988.2
480004090.91249.0824081.647429.32163.247347.72273.647237.32460.847050.12806.446704.521348.846162.122428.845082.12
481004099.43249.6240.581.7747528.13163.5447446.36274.1747335.73461.7647148.14808.0846801.821351.6146258.292433.8645176.04
482004107.96250.1224181.9447626.94163.8847545274.7447434.14462.7247246.16809.7646899.121354.4246354.462438.9245269.96
483004116.48250.64241.582.1147725.75164.2247643.64275.3147532.55463.6847344.18811.4446996.421357.2346450.632443.9845363.88
484004125251.1624282.2847824.56164.5647742.28275.8847630.96464.6447442.2813.1247093.721360.0446546.82449.0445457.8
485004133.52251.68242.582.4547923.37164.947840.92276.4547729.37465.647540.22814.847191.021362.8546642.972454.145551.72
486004142.05252.224382.6248022.18165.2447939.56277.0247827.78466.5647638.24816.4847288.321365.6646739.142459.1645645.64
487004150.57252.71243.582.7948121165.5848038.21277.5947926.2467.5247736.27818.1647385.631368.4746835.322464.2245739.57
488004159.09253.2324482.9648219.81165.9248136.85278.1648024.61468.4847834.29819.8447482.931371.2846931.492469.2845833.49
489004167.62253.75244.583.1348318.62166.2648235.49278.7348123.02469.4447932.31821.5247580.231374.0947027.662474.3445927.41
490004176.14254.2724583.348417.43166.648334.13279.348221.43470.448030.33823.247677.531376.947123.832479.446021.33
491004184.66254.79245.583.4748516.24166.9448432.77279.8748319.84471.3648128.35824.8847774.831379.71472202484.4646115.25
492004193.18255.3124683.6448615.05167.2848531.41280.4448418.25472.3248226.37826.5647872.131382.5247316.172489.5246209.17
493004201.71255.83246.583.8148713.86167.6248630.05281.0148516.66473.2848324.39828.2447969.431385.3347412.342494.5846303.09
494004210.23256.3524783.9848812.67167.9648728.69281.5848615.07474.2448422.41829.9248066.731388.1447508.512499.6446397.01
495004218.75256.87247.584.1548911.48168.348827.33282.1548713.48475.248520.43831.648164.031390.9547604.682504.746490.93
496004227.28257.3824884.3249010.3168.6448925.98282.7248811.9476.1648618.46833.2848261.341393.7647700.862509.7646584.86
497004235.8257.9248.584.4949109.11168.9849024.62283.2948910.31477.1248716.48834.9648358.641396.5747797.032514.8246678.78
498004244.32258.4224984.6649207.92169.3249123.26283.8649008.72478.0848814.5836.6448455.941399.3847893.22519.8846772.7
499004252.84258.94249.584.8349306.73169.6649221.9284.4349107.13479.0448912.52838.3248553.241402.1947989.372524.9446866.62
500004261.37259.462508549405.5417049320.5428549205.5448049010.5484048650.54140548085.54253046960.54
(*) Gli interessi di differimento sono calcolati in base al giorno in cui l'Istituto emette il mandato di pagamento.
L'importo riportato è stato calcolato, in via esemplificativa, ipotizzando la data del mandato a metà mese. (**) Le spese per il Fondo garanzia corrispondono allo 16,17% dell'importo lordo (valore attuale del prestito).

In Conclusione

I servizi offerti dall’INPS sono molto convenienti per chi lavora presso un Ente pubblico. Le procedure per richiederli, inoltre, non sono stringenti e sono di facile comprensione per tutti. 

Con le trattenute effettuate sullo stipendio, poi, per rimborsare le rate, nessuno dovrà più preoccuparsi di ricordarsi le scadenze ogni mese. 

 

Il ‘Piccolo Prestito’, dunque, è una valida alternativa ai prestiti tramite finanziarie o banche e vale la pena di considerarla tra le opzioni per richiedere liquidità.

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