The news was disclosed by the LOOP, which cites government sources, who explain that in the prime minister’s Decree that will be published in January after the approval of the Budget law will be put on a roof with regards to the request of the Epa, 95% of the board certified monthly in the case of a request for advance of a year, 90% in case of advance of two years and 85% in the case of an advance of three years. It is clear that the annual ceiling that you can ask for will be lower than these percentages.
In practice, on a net pension of 1.286 euro (16.718 per year with 13 months) you will receive an advance reservations of three years up to 1.093 euros per month (85% of the monthly payment). The trick is in the fact that the money will be disbursed over 12 months and not 13 (without the thirteenth). The loan per annum will, therefore, 13.116 euro (then the 78,45% of the annual pension in the amount certified by Inps). On this loan you will pay 4.7% on the rate of pension for each year of the advance.
In fact, in the face of the loan, net in the three-year 13.116 euro return in 20 years, with a rate of 208 euros for 13 months a year, 54.080 euro. The installment expected average for the loan of twenty years (including the interest rate and the insurance premium for the premorienza but also the tax benefits) of 208 euro per month for 13 months is still lower than that of the market, because the Government pays half of the interest and insurance premium.
The purpose of do not consider the thirteenth is, according to a report in the LOOP, of not picking up too much of the instalment of the loan to the staff that will adhere to the EPA on a voluntary basis.
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