Value of employees loans in Italy Q1 2018-Q2 2021

In the second quarter of 2021, employees' loans in Italy reached a value of approximately 15.8 billion euros. Starting at 13.1 billion euros in the second quarter of 2018, this figure increased steadily throughout the period considered. Employees' loans refer to a specific type of personal loan called cessione del quinto dello stipendio in Italian. This type of loan implies that the loan receiver is required to repay their loan through the automatic transfer of up to one-fifth of their net salary or pension until the loan is fully repaid.It is a loan that employees or pensioners can apply for for personal needs relating to private and family life. This type of financing requires insurance to ensure the repayment of the remaining debt in the event of loss of employment or death. Whoever requests this type of loan enjoys all the protections and rights provided by the credit to consumers regardless of the amount of financing.

在2021年第二季度，意大利员工的贷款总额达到了约158亿欧元。自2018年第二季度的131亿欧元起，这一数字在所考虑的整个期间内稳步增长。员工贷款指的是一种特定的个人贷款，在意大利称为第五分期工资转让。此类贷款意味着借款人须通过自动转账其净工资或养老金的五分之一来偿还贷款，直至贷款全额偿还。这是一种员工或退休人员为满足个人与私人及家庭生活相关需求而可申请的贷款。此类融资要求购买保险，以确保在失业或死亡的情况下剩余债务的偿还。无论融资金额多少，申请此类贷款的个人均享有消费者信贷所提供的全部保护和权利。