Conafi Prestitò is specialized in the provision of loans with repayment through direct salary or pension deductions.
Conafi Prestitò offers the following products:
- 1. salary-guaranteed loans (CQS):, consisting of financing repaid through deduction of a sum equal to 1/5 of net salary income; this fixed interest rate personal loan is dedicated to public and private employees.
- 2. pension-guaranteed loans (CQP):, consisting of financing repaid through deduction of a sum equal to 1/5 of net pension income refraining from affecting the absolute minimum imposed by law; this fixed interest rate personal loan is dedicated to pensioners.
- 3. payment delegations (DP):, consisting of financing repaid through payment delegation; this personal loan is dedicated to public and private employees whose employer agrees to pay an irrevocable mandate and accepts to periodically pay a rate from a fifth to a half but not exceeding a half of the employee’s monthly salary.
The key features of Conafi’s products, such as CQS, CQP and DP, are the following:
- clientele: employees with open ended contracts and pensioners;
- employers:Public and Private Companies and DHSS (Department of Health and Social Security);
- term:24 to 120 months;
- interest rate: fixed;
- rate:equal to 1/5 of net salary income or pension;
- maximum financing amount: € 52,000 gross amount;
- guarantee: life insurance policy.
Conafi Prestitò designed and introduced the “CQS turnkey for retail banks” application which aims to assist the banks. This tool represents a new opportunity for banks allowing them to operate in this industry without specific knowledge. The application software is modular so that each Financial Institute can adapt it to its own operating and commercial needs. Significant agreements have been reached with the most important Italian Financial Institutions such as Banca Popolare di Sondrio, Banca Popolare di Fondi, BCC Pordenonese, BCC Agrobresciano and BCC Antonello da Messina.
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