The process of the voluntary Ape and for the corporate Ape is finally unlocked, the bridging loans introduced by the 2017 Budget law which will allow workers to retire up to three years and seven months early retirement age by resorting to the banking and insurance system.
According to the latest rumors, for the signing of the long-awaited agreement with Abi and Ania, only the go-ahead from the Personal Data Guarantor is expected, which should arrive within a few hours. Then the text will pass into the hands of the INPS which by the end of November will send the operating instructions to the various offices located throughout the territory to allow the effective operation of the measure. In the absence of hitches, applications could start by December.
On the basis of what has been established, the agreement provides a Taeg of 2,75% for disbursement and 2,85% for amortization. “The pricing – explains Il Sole 24 Ore – is fixed by adding a spread (which we will know with the publication of the text) to the Rendistato (12 years and 7 months – 20 years and 6 months range; this month it is equal to 2,61) and the difference between bank CDS and sovereign CDS”.
VOLUNTARY BEE: THE CONVENTION
Intesa Sanpaolo and Unicredit have already joined the convention. Mps should soon be added to the list. As far as insurance is concerned, Generali, Unipol, Allianz, Poste and Cattolica have already joined.
VOLUNTARY APE: REQUIREMENTS AND INSTRUCTIONS
We remind you that workers who, at the time of submitting the application, will have turned 63 and will accrue the right to a pension within 4 years and seven months will be able to access the voluntary Ape. The third basic requirement is having paid a minimum of twenty years of contributions.
Furthermore, net of the amortization installment, the pension amount must be equal to or greater than 1,4 times the minimum treatment.
