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Salary-backed loan · Cesano Maderno and Brianza

Salary-backed loans (cessione del quinto): employees, pensioners and the emergency services

The instalment is deducted straight from your salary or pension and never exceeds a fifth of the net amount. It is the simplest product on the market in structure, and the one where price differences between lenders are largest and least visible.

Request a consultation or call 0362 528415
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Ci ha seguito passo dopo passo nell'ottenimento del nostro primo mutuo

  • Kìron Partner S.p.A. · OAM no. M39
  • More than 20 partner lenders
  • 25 years of experience

This is for you if

You are a permanent employee, in the public or private sector, or a pensioner, and you need funds with a payment you never have to remember.

How it works

I find the lender that finances your category on the best terms, prepare the application and follow it through to the funds arriving.

What you get

Up to €60,000 with the instalment deducted from your payslip, and offers compared on what you repay in total.

  • AmountUp to €60,000, depending on your net pay and the term granted.
  • TermFrom 24 to 120 months, at a fixed payment and fixed rate.
  • DocumentsID, payslip or pension statement, employer's salary certificate.
  • First assessmentFree and with no commitment: we look at whether it is feasible, at no cost and with no obligation to proceed.

On your own, or with me

The number they show you and the one that counts

What people usually look at

  • The monthly payment
  • «It is regulated by law, the offers are all the same»
  • The headline rate on the leaflet

What I look at

  • The total you repay at the end of the term
  • The cost of the two compulsory policies, capitalised up front
  • The APRC, which includes all of it

The law sets the maximum term and the share of salary that can be assigned, not the price. Two offers with the same payment can have different terms and, over ten years, several thousand euros of difference in what you repay.

Check your own case

Start here

How the consultation works

  1. 1
    First callEmployer or pension provider, which service you belong to if you are in uniform, length of service and the amount you need.
  2. 2
    QuotationI work out the assignable share and the term, with the total cost already inside it and any dedicated terms applied.
  3. 3
    Funds releasedAfter notice to your employer or pension provider. Approval takes an average of 72 hours once the paperwork is complete.

Four questions, then your number. I call you back in the time slot you choose.

Step 1 of 5

Which province is the property in (or are you in)?

I look after clients in person across Monza e Brianza, Milan, Como and Lecco: that is the area where I can meet you and where I know the branches I deal with.

What do you need?
What is your employment status?
What is your employment status?
What is your employment status?
Do you have an adverse listing on the credit register (CRIF / protests)?

I ask now rather than later for one reason: with an active listing no bank will look at the application, and I do not want you to lose weeks getting to a no I can already see.

How do I reach you?
  • I call you back within one working day, in the slot you choose.
  • It is ten minutes on the phone: you do not need to prepare anything.
  • The assessment is free and commits you to nothing.

FAQ

Frequently asked questions

How much can I borrow?

Up to €60,000. The amount comes from the assignable instalment — one fifth of your net salary or pension — multiplied by the term the lender grants, up to a maximum of one hundred and twenty months. So your net pay, your length of service and, for private-sector employees, your accrued severance provision all count. I do the exact calculation on the first call.

Are there special terms for the police and armed forces?

Yes. For personnel of the State Police, the Carabinieri, the Finance Police, the Prison Police and the Armed Forces several lenders apply dedicated agreements with terms that differ from the standard ones. They are not the same for every service or every length of service: I check which apply to you before submitting anything.

Are the offers not all the same, since it is regulated by law?

The law regulates the maximum term, one hundred and twenty months, and the assignable share, one fifth of net pay. It does not regulate the price: the cost of the compulsory insurance and the commissions vary considerably and end up in the APRC. That is why it is worth comparing lenders.

Is my employer told?

Yes, necessarily: it is your employer who deducts the instalment from your salary and pays it to the lender. For pensioners the same role falls to the pension provider. It cannot be avoided, and it is as well to know that before starting.

Can I renew it before the end?

Yes, generally once at least two fifths of the term have passed, with some variation between lenders. A renewal settles the current loan and opens a new one: it has to be compared on the total, because it is not always worth it.

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Calogero Fortunato — credit broker in Cesano Maderno

Who handles your case

Calogero Fortunato

Owner of the Kìron agency in Cesano Maderno · Credit broker

I have been doing this for 25 years. In that time I have learned one thing that really matters: the difference between a yes and a no almost never lies with the client, it lies in which bank reads their situation and how it is put to them.

  • Kìron Partner S.p.A. — credit broker registered with the OAM under no. M39
  • Via Borromeo, 29 · 20811 Cesano Maderno (MB)
  • By appointment, including outside office hours for those working in Milan
0362 528415 About me