Loans for journalists
Loans for journalists present loans and mortgages from , that is to say, the journalists’ social security institute that provides interesting benefits to its members in good standing.
Here are the conditions for loans for journalists
Loans for journalists are provided to retired journalists, journalists and publicists with an employment relationship, and survivors of indirect pension and survivors. To get hold of the loan, prominent journalists must have been enrolled for at least 2 years, have at least 12 monthly contributions credited over a two-year period, while for practicing journalists, on the other hand, 6 months of accredited contributions . The journalist who holds an employment relationship, in order to obtain the loan, must show, in addition to the request filled out on the appropriate form prepared by the Institute, a challenge from the company from which it derives. With this tool, the company commits itself, upon permission of the journalist, to carry out monthly deductions on remuneration and to grant them.
Loans for journalists also announce financing for retired?
Retired journalists can get a loan up to a maximum of 35,000 euros, at least if the monthly payment is not more than one fifth of the monthly pension. In this case, in fact, we have to face up to sums of up to 20,200.00 and the fourth for sums of a higher amount. Pensioners who have crossed the age of 75 or who, at the time of applying for the loan, have an age that, added to the amortization period, exceeds 75 years of age. In this case, then, the applicants are required to present an undertaking to return the loan installments per journalist.
What are the sums of loans for journalists?
In the form of funding, loans for journalists can reach sums of up to 7,000 for practicing journalists, while for journalists working with less than 10 years of figurative contribution, it can reach 31,000. Those, instead, aiming to obtain a loan for journalists in activities with more than 10 years of contribution, will obtain a disbursement of up to 40 thousand euros. For retired journalists the maximum credit will be up to 35 thousand euros, the important thing is that the monthly payment is not more than one fifth of the gross monthly pension in enjoyment in case of sums up to 20,200 euros, and the fourth for amounts higher.
When the personal loan is aimed at the mortgage request, how should one behave?
Loans for journalists disbursed as loans, advance loans from 150 thousand to 450 thousand euros, for the purchase, renovation or construction of buildings. Real estate loans for journalists grant subsidized rates, with amortization from 10 to 25 years, with installments that do not have to pass, as a monthly amount, one third of the monthly monthly salary of the applicant. Furthermore, the loans for journalists in the form of mortgages proposed have the benefit of having additional elements of elasticity such as, for example, the failure to implement installment fees and the non-obligation to open a current account with the lending bank.
The advantages of the loan for journalists
It is not even necessary to underline how important it is to be able to take advantage of a personalized loan for specific professional peculiarities. In this case, then, the role of the journalist, always very delicate and difficult to apply, undergoes, often and willingly, numerous moments of lean economy. Getting a loan appropriate to these situations really appears to be the minimum. All that remains is to wait and hope for further benefits as regards the top category. Usually, these mechanisms are constantly updated.