Ensuring a good quality of life also means living in a healthy and comfortable place. What better way to preserve the value of your home than to aim for a renovation ? This category of interventions includes conservative maintenance, the installation of devices that allow energy savings to be achieved, painting and much more.
These interventions require huge investments for the pockets of the citizen, who at the mere thought of facing a disproportionate expense decides to give up the possibility of redeveloping his home (the place where he lives with his family). Fortunately, there are concessions from the state that intervene to help citizens, to make the expense of restructuring a much less impossible undertaking than one thinks.
The facility under discussion in this guide that is about to begin is the loan for the renovation of the first home granted by INPS, formerly Inpdap.
In other words, it is a loan that makes the cost of redevelopment work much less burdensome for the finances of the citizens who request it.
The following paragraphs will develop the topic in all its aspects, to allow the reader to evaluate a precious possibility not to be missed.
When we talk about the INPS loan, we refer to the former Inpdap management, that is to say a subsidy guaranteed by the main Italian social security institution for all active or retired public sector employees .
Anyone who falls into this category of beneficiaries can submit their application to the social security institution to receive a loan appropriate to the type of restructuring to be carried out.
The loan granted by the Inps body for renovation works aimed at improving the livability of the home environment is defined as a direct loan .
The same type of loan can also be requested from a credit institution or other financial company as long as it has an agreement with the social security institution. In this case, the loan is considered "guaranteed".
The aforementioned loan has the advantage of amortizing the onerous expenditure foreseen for the renovation works thanks to an amortization plan that lasts ten years . In this period of time, the customer can easily deal with the expense which is divided into convenient monthly installments.
The application for a loan cannot help but respect some formal criteria , because it is an important investment and therefore we are turning to serious and competent bodies.
Those who think they want to access a loan for the renovation of their home, because they are convinced by the guide that it is almost at an end, can intervene as follows.
The tool available to the customer, in these cases, is the INPS portal , accessible from the official website inps.it. The site is anything but difficult to use, therefore intercepting the items that are right for you is easy and intuitive. As for the possibility of requesting a finalized loan, simply log in to your reserved area using the SPID.
In these cases it is always advisable to contact the institution, through one of their contact channels described effectively in the numeroservizioclienti.com guide .
You should know right away that the application to access the restructuring loan cannot do without some documents to be attached, to reveal to the social security institution the real need for the subsidy that is requested. The documentation necessary to access the service therefore includes the following elements: the certification of ownership or bare ownership of the property, the declaration certifying the start of the renovation works issued by the construction manager, the self-certification of the state of family and a copy of the invoices of any expenses already incurred for the purchase of materials and raw materials.