Loan with indemnity accompanying

Loan with accompanying allowance: is it possible and how can I get it?

Loan with accompanying allowance: is it possible and how can I get it?

Financing this type of social security treatment presents two sets of problems:

1) although they are indicated as loans with an accompanying pension, the legal nature of the accompanying allowance is far from a pension and, consequently, the holders are quite different than retirees. Already the noun “indemnity” differentiates it from the pension: the first is paid as aid, the second thanks to the contributions paid previously. It is clear that we are not giving an etymology lesson but we want to make it clear that the language used by the Italian legislator is not accidental: if they called it indemnity and not retirement there is a reason, which, as we will see, has relevance in case of transfer of the fifth.

2) the other problem of financing with accompanying pension is the amount of the monthly allowance: for 2020 it is 520.29 USD, therefore slightly above the minimum threshold (515 USD) established annually by Social Institute. This problem is further amplified if the accompanying allowance is the owner’s only form of income.

Loans with accompanying pension?

Loans with accompanying pension?

Okay for the “loan”, but not really for the “pension”! You will notice that, erroneously but on purpose, we have used the noun “pension”, knowing full well that such accompaniment is not. We did it to reconnect to point.

That is, to the nature of the allowance to tell you that, unfortunately, since it is not considered a pension but a social support mainly for disabled civilians, it does not benefit from the loan par excellence reserved for pensioners: we refer to the transfer of the fifth of the pension.

Here, ultimately, the negative side of a pension treatment emerges when it is not considered a pension. In fact, the accompanying allowance is one of those hypotheses (the others are described on the calculation of the transfer of the fifth) which cannot transfer the portion of the fifth and therefore if they need to finance themselves, they will have to turn to alternative forms of financing and which we will indicate below.

Loan with accompanying allowance: how to finance it?

Loan with accompanying allowance: how to finance it?

A first alternative method but similar to the transfer, in the sense that it allows you to have liquidity, is the personal loan. However, it is not said that lenders grant it this way, without guarantees. This is particularly true for those who only hold the accompanying allowance: in the latter case, we can say that the presence of a guarantor is in fact mandatory. Another method is to give a real estate collateral, even owned by a family member, on which to take out a liquidity loan.

Another system, for which however they need at least a couple of requirements, is that of the lifetime mortgage loan. This can be done on the condition that the owner of the accompaniment is at least 60 years old and owns a house, but not any, but a residential property. More info, were interested, on mortgage annuity calculation. To learn about other financing systems, if you want, visit loans to retirees without age limits and without assignment of the fifth

Getting a loan for the unemployed is a problem nowadays


The biggest shortage of financial resources can always always be “praised” by long-term unemployed citizens. Even if they had some savings after losing their jobs, several months of unemployment can deprive them of considerable amounts saved due to the high demands of today. If a job cannot be filled, the “hole” in the budget will widen more and more, and it will gradually be necessary to look for an adequate solution to cover the most important family expenses.

There can be several reasons why you will be forced to reach for a loan as the most appropriate solution. Bad impressions of asking for finances from family or friends, unpaid debts from the past with acquaintances, or the goal of managing one’s financial problems alone are the most common causes of decision-making when igniting unwanted economic problems. If you currently belong to the group of the unemployed, the loan can probably help you. However, the question remains whether it is so easy to obtain.

What are the main reasons for rejecting loan applications?

What are the main reasons for rejecting loan applications?

Lenders have a lot of experience with rejecting an application precisely because of the applicant’s unemployed situation. From the customer’s point of view, such a “refusal” may seem unjustified, but if we look at it from the perspective of the lending company, we find some reasonable arguments why it is difficult to take risks and lend money to those who do not have a 100% guarantee to repay the loan. . What leads financial institutions to decide not to comply with applications without proof of income?

1. Applicants do not have a regular (official) income

The fact that applicants are unable to provide proof of regular monthly income is undoubtedly the biggest obstacle due to which unemployed citizens have difficulty obtaining money through a loan. Companies provide their credit products according to pre-established criteria, which must be met without delay in order to approve the application. Among these conditions, there is often the need to submit any valid certificate of regular monthly earnings, preferably issued and signed directly by the employer, who can also provide the necessary basic information for the certificate.

If you are currently out of work, you cannot have such a certificate, which unfortunately makes it difficult for you to negotiate with lenders. Of course, there are a few reputable companies on the market that do not absolutely require the submission of documents proving your earnings, but are mostly institutions that specialize in short-term loans in the range of tens or hundreds of dollars (eg SMS loans) and the maturity never exceeds two or more. three months.

So, if you need a larger amount and due to the probability that you will not be able to return the money in a few weeks, but you need to set the maturity for a longer period, such minimum loans, also called prepayments, will not help you much.

2. There is no money back guarantee

2. There is no money back guarantee

No matter how reliable the loan applicants are and the smooth repayment of the loan without unnecessary complications, they think with the utmost honesty, sometimes a crisis situation can easily arise when the customer’s financial problems culminate and turn into complete payment insolvency. Unemployed citizens are the closest to such a situation, unlike workers, who cannot rely on the arrival of funds in the form of payment next month and therefore have no certainty that in the event of a current inability to repay, they will be able to catch up next month.

This is the reason why financial companies do not want to legend to unemployed people and prefer to examine the applicant’s economic situation before the approval process itself. Confirmation of receipt of earnings, which is sufficient given the limited conditions set by the provider, becomes a kind of business guarantee that the applicant will be able to repay the borrowed money properly and regularly, thus creating no problems in the business relationship and both parties open the door to continued mutual cooperation. If you are unable to provide such confirmation, your chosen company will not have such an imaginary guarantee, so it will reject your application immediately and you will be able to look for an alternative solution.

For many providers, the risk of lending to the unemployed is too high and they prefer to avoid this step so that they do not have to go to court and spoil their prospects for the future. If the client finds a job, he can immediately apply for a loan.

3. The revenue-to-expenditure ratio is not sufficient

Whether a person interested in a loan remains in positive numbers even after deducting all expenses does not depend entirely on the status of employed or unemployed. Even high-income families can only be in trouble, as they have huge costs and would get into complications when repaying the loan. Of course, for the unemployed, this assumption is much higher, because the income resulting from receiving state contributions is only barely sufficient to cover basic living needs, not yet to pay monthly installments. Given the standard of living or standard of people living on social benefits, it is overwhelmingly clear that such citizens cannot afford to pay a few more tens of dollars each month for several years.

This factor is also always taken into account by any provider who does not lend money without confirmation of receipt. Verification of the client’s overall financial “health” is an important part of approving a loan in order to eliminate any risk associated with insolvency.

Borrowing only with a receipt is actually a help

Borrowing only with a receipt is actually a help

At first sight, requiring an acknowledgment of receipt may seem like a completely restrictive step, but it certainly does matter. Imagine, for example, the situation where you need to get more than $ 1,000 as urgently as possible because you have been notified of the enforcement proceedings. You are unemployed, you certainly lack funds more than ever before, and the unpleasant news from the executor motivates you to act quickly and maybe not quite thoughtfully.

At such a moment, you will immediately apply for a loan without careful consideration and the provider will be happy to accommodate you. When you sign a contract, you are overwhelmed with the determination to manage the repayment in some way, but over time you find that you are in bigger financial problems than before and you have even greater debts. It will now be too late to say that you have made a mistake and acknowledging the strategy of financial institutions, which provide a kind of service to unemployed citizens, which will save people without work the additional costs of a loan and ultimately help protect applicants from problems.

Now you know the main reasons why it is too complicated to get a loan in case of unemployment. However, the great news is that if you look for quality products, you can find one reliable program among them, which is intended for all retirees, students and even mothers on maternity leave, who are also officially unemployed. Applicants belonging to any of these groups can obtain financial assistance from us regardless of unemployment. When receiving such state contributions, it is guaranteed that they will be paid in all circumstances, as they go to the beneficiaries from the state treasury, only a loan within 24 hours is also suitable for these applicants without having to have a receipt. After all, even this form of income is regular, and if it is proven, there is no other obstacle to the approval of the loan.

Immediate loan within 24 hours also suitable for people who are not currently working due to study, maternity leave or retirement. A product with which you will have a trustworthy partner with you and you will start drawing money immediately in a few hours, that is a loan within 24 hours, which you can easily arrange with us.

Student loan for university students – who will provide it?


Study time – time without worries? Wrong. College students are adults who inadvertently encounter adult problems. These problems include the acute need for money.

Let’s look away from students who were born into the “right” family and all their needs are selflessly covered by their parents. Most students rely solely on their dexterity.

You can find a loan with us

You can find a loan with us

Our website works on a very simple principle. However, this does not change the fact that the loans are approved by more than half of the applicants.

The site acts as a center for sending requests. You will find the form on the page. After filling in the basic data (loan amount + contact details), the application will be entered into the database.

Contractual lenders have access to this database. They are the best known and proven Slovak non-banking companies. The conditions for obtaining loans are therefore less strict and approval is much easier than in banks.

Why apply for a loan?

Why apply for a loan?

Because it’s the easiest. You don’t have to miss school, you don’t have to cancel a part-time job or other duty.

At the same time, you do not run any risk when submitting the application. The form is for contact information only. You will also be contacted by the operator of the company that will comply with your request.

This is also another advantage. You do not have to contact the providers because they will contact you.

What about specific interest and fees?

This answer cannot be answered exactly. There are several participating companies on the website and each has its own offer, price list and conditions.

The question of specific parameters must therefore be directed to a specific provider.

Does the student have another option?

Does the student have another option?

Yes. As for the offer of non-banknotes, it is possible to use, for example, popular installment purchases. However, the disadvantage is that you spend the borrowed money to buy specific goods in the store. Installment purchases are therefore not a normal non-purpose loan.

Another option is a loan for an identity card (you can tell from the advertisement). This loan has the disadvantage of expensive interest. Since the provider cannot perfectly verify your creditworthiness and only knows your identity, it will often set unbearable interest on the loan within the framework of low creditworthiness. This is unlikely to please any students.

A promissory note loan from a private person is also an option, but we do not recommend it at all. Promissory note loans are very risky, and it is often difficult to repay them due to high interest rates. People often lost all their property.


Whatever type of loan you choose, never forget to repay it properly. If you have invited a co-debtor or guarantor, do not let your debts go to them.

The main principle always remains not to borrow at all, even if we understand that today’s student often has no other way out.

Above all, always consider several options and consult with parents and the environment.