Loans for Public Employees, How to get them?

Loans for public employees are generally advantageous and allow for easy liquidity, allowing for repayment at convenient rates.

You are a public worker or even a public pensioner and you need to have a loan, but you don’t know how to do it?

With this guide you will find out everything you need to do to get a loan for public employees both with institutions and with banks.

Retired former civil servants are allowed to apply for loans only with the transfer of a fifth of the pension.

Asking for an appointment in an office with a representative also helps to understand the various steps for requesting money. For this reason we recommend requesting an appointment from a representative.

The Institution gives the possibility to also request a loan from employees and public pensioners starting from October 2015. INPS allows to request up to 300,000 euros for the purchase and construction of a first home.

If the applicant is enrolled in the unitary management of the credit and social services of INPS ex INPDAP , he can request up to € 150,000 for maintenance work or for renovation of the house.

Allows you to apply for a loan of up to 75,000 euros to build or buy a parking space or garage.

The loan applications are at a fixed rate or at a variable rate. The installments are paid on a half-yearly basis and the payment must be made with an MAV form. Loan disbursement is always influenced by available funds.

To apply for loans you enter a ranking, on the online site of Inpdap you can find all the necessary information on how to apply for a loan or a mortgage.

On the site it is also possible to find the list of banks affiliated with the institution that allow you to request a loan: this list, however, varies periodically depending on the affiliations.

The necessary guarantees

The guarantees for the loan and associates are:

  • the pay slip : guarantee that the loan can be obtained quickly and at advantageous rates;
  • salary assignment : the monthly sum will be deducted from salary or pension;
  • the pension : it influences the duration and the number of the installments to be reimbursed which can vary according to the age of the applicant;

We recommend that you directly ask the institution or the associated bank if there are other guarantees to provide to obtain a loan.

What do you need to get the money?

To obtain the loan and associates it is necessary to bring at the time of the request:

  • a valid identity document;
  • payroll, or pension;

The bank affiliated to the institution will take care of the further documents. To obtain clarifications, go to an office of the same body or call the nearest competent office.


Waiting times for obtaining the loan are indicated directly by the person in charge once the loan request has been evaluated, but loans with INPDAP or associated banks are commonly obtained in a short time.

The number and waiting times are linked to the availability of Inpdap liquids. To speak with a person in charge is the best way to know also the availability of liquids.

Interest payable

To find out what the interest rate is to pay each month, you can read the forms available on the website or request an online quote. The quote is not binding and is free.

The quote from the ability to know in advance the TAN and the APR then the interest rate and the APR ovver TAN or the composite index of the total loan cost to the fees payable. Interest rates may vary. At the loan request, you can find differences compared to the quote.

The loan is associated for the protested subjects

We cannot give the certainty and with the associates, it is possible to have a loan if you are bad payers or protested, but a guarantee to have the loan is the transfer of the fifth of the salary or the pension.

To find out whether or not you will get the loan, you can request information from a representative in an office or a branch. This allows you to understand if INPDAP or the associates will grant or not the loan. After studying the applicant’s situation, the institution will decide whether or not to approve the request.


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