Even housewives can have access to credit. This is certainly a category that, like that of students, does not benefit from strong guarantees in the case of loan applications, but that may still be able to obtain funding even if not working. To be safer, it would not hurt a part-time job or a guarantor. A family member or husband who can assure the repayment of the installments in case of insolvency on the part of the principal debtor. But alternatively, do not give up!
Postal service Italy proposes, in fact, a series of solutions for women who do not have a job and who therefore do not have a paycheck. This certificate, which is delivered every month by employers to their employees, can also be substituted with a document that certifies the presence of an income, such as the CUD for example, or the pension slip. In a period such as that of the last few years in which consumption has decreased and the unemployment rate has increased, it is essential for people without a paycheck to have the opportunity to receive funding.
Mini Postal Bank loan for housewives
The Postal Bank Mini loan is a suitable solution for women who do not work and therefore do not have a paycheck. We are talking about a small loan dedicated to Post Pay Evolution card holders. Once the application is approved, the requested amount will be uploaded directly to the prepaid card. Travel, shopping, but also projects for the family can become real through the Postal Bank Mini Loans.
The request must be presented at any post office. Housewives will be able to go to the nearest branch even on Saturday mornings to interface with a qualified and always available staff. The amounts that can be requested are of three types: 1,000, 2,000 and 3,000 euros. The repayment term of the loan is equal to 22 months.
What are the requirements to access and get a Postal Bank Mini Loan? The first step necessary to qualify for this form of loan is to hold a Post Pay Evolution Card. It is then necessary to have an age between 18 and 76 years old at the end of the loan repayment. The housewives, who will apply for this funding, will have to reside in Italy and present a work income or demonstrable pension in Italy. This is a loan for those who are open to those without paychecks, but it is natural that the financial condition of the applicant is carefully observed before the provision of liquidity.
When we talk about loans without a paycheck or without a salary, it does not mean that the beneficiary of the loan lacks any economic income to repay the installments. In no case, in fact, it is possible to obtain a loan if you do not have the opportunity to “pay” the debt. This is why many lenders give clients the opportunity to present the CUD instead of a regular paycheck. Housewives can apply for a loan if for example they have an occasional job, have worked on projects or have another type of income to ensure repayment of installments. These are the necessary requirements that give them the opportunity to contact the post office to obtain financing without too many difficulties.
Let’s see what documents to present to the post office to request a Postal Bank Mini Loan.
- A valid identity document,
- a health card
- an income document.
Foreign citizens will have to present in addition to the identity document also a passport, valid residence card or residence permit, a document stating that you have been resident in Italy for at least 12 months (if you are an employee) or at least 36 months (if self-employed), documentation attesting that you work for at least 12 continuous months with the same employer.
The Postal Bank Mini Loan allows women who do not work to be able to request up to 3,000 euros. In case of approval, this sum will be credited directly to the Post Pay Evolution card. The repayment duration does not change and is fixed. In fact, in 22 months it is possible to repay installments. How? The transaction takes place monthly via direct debit to your Post Pay Evolution card or to your Postal Bank Current Account.
Postal Bank Loan Online
From home, housewives can also apply for a Postal Bank Loan online. This form of financing is provided through a 100 percent transaction online via digital signature. You can start from a minimum amount of 3,000 euros up to a maximum of 30,000 euros. The repayment duration is between 24 and 84 monthly installments. The request is handled directly from your computer, without moving from home. Whenever you want you can also check the progress of the loan from your PC.
Anyone requesting a Postal Bank Online Loan can also change the amount of the installment or move it to the end of the loan, choosing an amount and a repayment duration that are more suited to their needs. Postal Bank Loan online is the personal loan you can apply if you live in Italy and have a demonstrable work income / pension produced in Italy. It is not mandatory to have a paycheck and that is why even housewives, who are equipped with a single model or a fixed income as the payment of a rent of a local property, can contact the post office more close to get this type of loan.
To request the financing of Postal service Italy you must present the following documentation: a valid identity document, a health card, an income document (pay slip, Unico model or pension card ), a document certifying the regularity of the stay for non-Italian citizens. In case there are promotions in progress, the post office could also request additional requirements or anyway additional documentation compared to the one we have listed above.
What to know yet? So you have to keep in mind that the online Postal Bank Loan is the personal loan that allows you to request from 3,000 up to 30,000 euros and to receive the requested amount, in case of approval of the loan by crediting your Postal Bank account. The duration of the loan ranges from a minimum of 24 months to a maximum of 108 months with the possibility of being able to benefit from the installment / jump payment options. The reimbursement takes place through the payment of monthly fixed installments automatically debited to the applicant’s Postal Bank account.
Flexible Postal Bank loan: a solution that adapts to the needs of the applicants
Another possible way for a housewife to undertake is to request a flexible Postal Bank loan, a loan that tends to adapt to customer needs. The sum to be requested starts from a minimum of 3 thousand euros to a maximum of 30 thousand euros. You must be a current account holder Postal Bank. The repayment duration starts from a minimum of 24 installments to a maximum of 108 monthly installments. But let’s see why it’s called flexible and how we can change or even skip payment of an installment if we find ourselves in trouble.
This form of financing allows everyone to realize their projects in the way they prefer. If you can not pay the monthly payment, you can change the amount or even move it at the end of the loan. It is possible to choose a lower amount and more in line with one’s financial needs. “The Flexible Postal Bank Loan can be requested at any post office, even on Saturday mornings. You will always find qualified personnel at your disposal “, is the message from Postal service Italy.
Postal Bank Flexible Loan is part of Postal service Italy’s personal loans. To request it can be those who reside in Italy and have a demonstrable work / pension income, produced in Italy. To request a Flexible Postal Bank Loan you must present the following documentation : valid identity document, health card and income document. It is not necessary to present a paycheck especially if we are talking about self-employed workers or housewives, but it is obvious that the post office must be able to have a guarantee of repayment of installments. Usually the applicant shows, however, that he has an income, although it is not perhaps fixed as a salary. Also in this case, based on the specific characteristics of the applicant or to access particular promotions in progress, additional requirements or additional documentation may be required compared to the one listed above.
Postal Bank Flexible Loan is dedicated to account holders of Postal Bank and is a form of financing, registered by Postal service Italy, which allows you to obtain, as a result of the approval of the request, amounts from 3,000 up to 30,000 euros. The loan is provided in a single solution with direct credit to the Postal Bank account registered to the applicant.
The duration of this type of loan ranges from a minimum of 24 months to a maximum of 108 months with the exercise of the installment / installment change options and the repayment is made through the payment of monthly fixed installments automatically debited to the applicant’s Postal Bank account.
Let’s see together what it means to opt for these two possible solutions. As illustrated on the Postal service Italy website, there are the options Rata change and Salto rata.
Changing or skipping the installment is very simple. For each Postal Bank Flexible Loan a “Base Rata”, a “High Rata” and a “Low Rata” as defined in the contract are defined:
- The Rata Base is the one chosen at the beginning, or at the time of the request for financing.
- La Rata Alta is the maximum installment over which you can not increase your monthly payment.
- The Low Rate is the minimum payment below which you can not get off. It is the minimum amount that must be paid in the event that our request for funding has been accepted.
If you opt to increase the amount of the installment, the duration of the loan will obviously be shorter; on the contrary, if you decide to lower the amount of the installment, the repayment plan will be extended.
The installment change can be made:
- every month but only after having repaid 6 installments
- if you regularly repay your monthly payments with a current account charge (RID)
- not simultaneously with the Skip Rata option
Postal service Italy gives you the possibility to make only one monthly variation.
With the Skip Rata option we can, however, postpone an installment up to a maximum of 3 times. The missed installments will be postponed to the end of the loan and the number of total installments will remain unchanged. The Salto Rata can be performed:
- after having repaid 6 installments
- if you regularly repay your monthly payments with a current account charge (RID)
- not simultaneously with the Installment Change option
It is possible to make a limited number of requests to skip Rata (maximum three times), according to what reported on the contract. Between a request for Salto Rata and the subsequent Postal service Italy, it is stated that the time interval for the payment of 12 installments must be respected regularly, on the basis of the contract. The Rata and Salata Rata Change Option can be exercised directly in your post office or by calling the toll-free number 800.00.33.22.
Special Cash Post Pay: what to know
With Special Cash Post Pay the applicant can make purchases in total freedom, choosing among three recharge plans available: 750 euros, 1,000 euros and 1,500 euros. The duration of the loan will be 15 months, 20 months and 24 months respectively. The loan will be disbursed in a few days on the Post Pay card. Let’s see who can access this form of financing. Among the recipients surely also housewives as they do not have a paycheck. Special Cash Post Pay is the loan that can be requested by
holders of Post Pay nominative and rechargeable card or Post Pay Evolution Card with an age between 18 and 70 years at the time of the request. Requesting Special Cash Post Pay is easy. Simply fill out a form at the counter and present the following documentation:
- Identity card,
- Health insurance card,
- Document attesting income (it is not necessarily a paycheck).
- For foreign citizens are also required:
- Passport in addition to any other presented identity document
- Residence card or residence permit valid
- Document attesting that you have resided in Italy for at least 12 months (if you are an employee) or at least 36 months (if you are self-employed)
- Documentation certifying that you work for at least 12 continuous months with the same employer
Special Cash Post Pay therefore allows you to get up to 1,500 euros credited directly on the Post Pay or Post Pay Evolution. The repayment of the installments takes place: through the payment of fixed installments directly debited to your postal or bank account; by paying postal bills sent free of charge to your home address; through the payment of fixed installments directly charged to your Post Pay Evolution Card