Salary-backed loan · Turin and Piedmont
Salary-backed loans in Turin: employees, pensioners and the police and armed forces
The instalment is deducted directly from your salary or pension and never exceeds a fifth of the net amount. It is the most straightforward product on the market in structure — and the one where price differences between lenders are largest and least visible, because they hide inside the compulsory insurance.
- ★ 5,0 272 Google reviews
- 30+ lenders approached in parallel
- 60.000 € the maximum amount available
- OAM no. M39
What people usually think
Regulated by law, but not on price
Many people assume that because the product is regulated, the offers are equivalent. That is true of the structure and false of the cost, which is the one thing the law does not fix.
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“I’ve had problems in the past, they won’t give me one anyway”
It is the product designed for exactly that: deduction at source and compulsory insurance.
Why
It is the product designed for precisely this situation. The instalment is deducted at source by the employer or the pension body and is covered by compulsory life and employment insurance: the risk to the lender is very low, so the case can be assessed even with past adverse records.
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“It’s all set by law, the offers are equivalent”
The law fixes the term and the share, not the price. The cost of the insurance changes everything.
Why
The law fixes the maximum term, one hundred and twenty months, and the assignable share, a fifth of net income. It does not fix the price. The cost of the compulsory insurance and the commissions vary widely between lenders and end up inside the APR: over ten years the difference between two offers can run to several thousand euros.
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“I look at the instalment and pick the lowest”
The same instalment can mean a different term. Compare what you repay in total.
Why
Two offers with the same instalment can have different terms, and therefore very different totals. The figure to compare is not what you pay each month: it is what you repay altogether.
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“I’d rather my employer didn’t know”
Not possible: they are the ones making the deduction. Better to know beforehand.
Why
It is not possible, and it is worth knowing beforehand: it is the employer who deducts the instalment from your pay and forwards it to the lender, so they are necessarily notified. For pensioners the same role falls to the pension body.
Why with us
What we actually do
Special terms for police and armed forces
For personnel of the Polizia di Stato, Carabinieri, Guardia di Finanza, Polizia Penitenziaria and the Armed Forces, some lenders reserve dedicated terms, different from the standard rate card. We check which ones you are entitled to, based on your service branch and length of service.
We tell you what you repay altogether
We compare offers on the final total, with the cost of the compulsory insurance already inside. That is where the differences hide, not in the monthly instalment everyone shows you first.
No due dates to remember
The instalment comes straight out of your salary or pension: there are no direct debits to watch and no late payments possible, which also protects your credit profile for the future.
Where the price difference hides
On this kind of loan the APR includes, besides interest, the premium for the two compulsory policies — life cover and employment risk — and the commissions paid to whoever places the product. These are capitalised at the outset and weigh on the whole schedule: two offers showing you the same monthly instalment can conceal, over ten years, several thousand euros of difference in the total repaid.
The difficulty is that a client on their own struggles to make that comparison, because whoever places the product has every interest in shifting attention to the monthly instalment — the one figure that looks reassuring. We set the partner lenders’ offers side by side on the final total and point out the cheapest. It is a matter of reading, not magic — but on this product it is what makes the difference.
Request a call backHow we work
From the call to the signature
- 01
First call
Employer or pension body, service branch if you are in uniform, length of service and the amount you want.
- 02
Quotation
We calculate the assignable share and the term, with the total cost already included and any applicable agreements applied.
- 03
Documents
Payslip, salary certificate, identity document.
- 04
Release of funds
After notification to the employer or the pension body.
Google reviews
Who chose us
★★★★★
Il mio forma mentis mi porta generalmente a dubitare ed evitare di usufruire di questi servizi perché ormai "c'è internet" e per cattive esperienze passate. Questa volta ho deciso di andare un po' contro me stesso e accettare l'aiuto di Marcello, che mi ha fatto cambiare idea sin dal primo incontro. Mi ha trovato il mutuo migliore per me al momento, ha risolto tutti i miei dubbi con parole chiare e comprensibili ai non del mestiere: non ho dovuto fare niente se non inviargli i documenti che servono. Insomma, probabilmente è il primo professionista che pago volentieri.
★★★★★
Ottimo servizio, preciso e veloce. Sono stata seguita con grande tempestività sin dal primo contatto, senza mai ricevere false speranze ma solo soluzioni concrete e trasparenti. Grazie al supporto di Alex, l'iter burocratico è stato molto più semplice e senza intoppi. Persona, oltre che qualificata, di una disponibilità e gentilezza rara. Un servizio efficiente che consiglio vivamente a tutti.
★★★★★
Devo ringraziare enormemente Alex Franzino di Kiron, che mi ha aiutata a ottenere il mio primo mutuo al 95% nonostante la mia situazione da giovane partita IVA non fosse la più ideale. Mi ha supportata moltissimo nei chiarimenti tecnici ed è sempre stato presente durante il percorso, facendo anche da tramite con l'agenzia immobiliare e gli altri attori. Con il suo aiuto non ho praticamente sentito la pesantezza burocratica. Consiglio fortemente per chi, come me, ha bisogno di una guida nei meandri bancari e burocratici.
Start here
Tell us about your situation
Four questions about salary-backed loan. An adviser from the Turin office calls you back having already read your answers: no need to repeat it all on the phone.
- You don’t need to have found a property yet — the earlier you call, the better
- No documents to prepare for the first call
- If the deal does not stand up, we will say so straight away
- You only pay if you sign at the notary
FAQ
Frequently asked questions
How much can I obtain?
Up to €60,000. The amount comes from the assignable instalment — a fifth of your net salary or pension — multiplied by the term the lender grants, up to a maximum of one hundred and twenty months. What counts is therefore your net pay, your length of service and, for private-sector employees, the severance provision accrued. We do the exact calculation on the first call.
Are there special terms for police and armed forces personnel?
Yes. For personnel of the Polizia di Stato, Carabinieri, Guardia di Finanza, Polizia Penitenziaria and the Armed Forces, several lenders apply dedicated agreements with terms that differ from the standard rate card. They are not the same for every branch or every length of service: we check which ones apply to your case before submitting the application.
How long can the term be?
Up to 120 months, with an instalment that by law does not exceed a fifth of your net monthly salary or pension.
Is my employer told?
Yes, necessarily: it is the employer who deducts the instalment from your pay and forwards it to the lender. For pensioners the pension body plays that role.
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