Who will leave work using the new Ape on a voluntary basis (but also taking advantage of the social Ape) he will not receive the thirteenth for the entire duration of the pension advance. The installments to be paid for the repayment, on the other hand, will be 13 per year, like the monthly pension payments. The Government confirmed this at the end of last week.
The goal is to avoid an excessive burden on the pensioners themselves, who in the 20 years following the actual retirement will have to repay the amount of the loan received for the pension advance, including bank interest and insurance premium, with a reduction in the social security check .
From Palazzo Chigi they also let it be known that in the decree of the Prime Minister arriving in January, after the green light to the Budget law, the following maximum amounts for the Ape will be specified: the 95% of the monthly certified pension for one year in advance, the 90% for two years and the 85% for three.
Here is an example taken from the tables developed by the team led by the Undersecretary to the Prime Minister, Tommaso Nannicini.
– The basis of the example is a net monthly average certified pension of 1.286 euros, equal to 16.718 euros a year, given that the effective pension provides for 13 months.
– In case of Bee, up to the date of retirement, it will be possible to receive a maximum of 1.093 euros per month in the event of a three-year advance, or 85% of the monthly average certified pension. However, this sum is paid only for 12 months, for a total of 13.116 euros a year, equal to 78,45% of the annual pension certified by INPS (16.718 euros).
– When the Ape ends and effective retirement takes place, the bank loan received for the pension advance begins to be repaid. The repayment (which, we recall, lasts 20 years and includes bank interest and insurance premium) takes place with a reduction of the monthly social security allowance equal on average to "4,6-4,7% for each year in advance", we read in the tables published on the Nannicini website. So, in theory, the average cost for a three-year advance should be 13,8-14,1%.
But be careful: it is an average, the cut can be even higher, as demonstrated by the same numbers published by the undersecretary's team. In fact, the example refers to one installment of 258 euros (even equal to 20% of the starting pension), on which, however, a deduction is applied which reduces the reduction to 208 € (equal to 16,2% of the pension, i.e 5,4% for each year in advance). This money is subtracted for 20 years from all 13 months of the pension. The social security check therefore drops from 1.286 to 1.078 euros per month (therefore it is even lower than that disbursed during the three years of Ape) and at the end of the 20 years we will have returned well 54.080 €. All to retire from work three years earlier with a pension of just over a thousand euros a month.
In short, the Ape is not cheap. “We would have liked to keep the insurance premium lower – explain Nannicini's team – but to do so we would have had to reduce the duration of the loan, perhaps to 10 years. And at this point the repayment rate would have risen too much ”. The Government also underlines that the monthly payments are 12 "because it is a loan and not a pension" and that the loan is in any case advantageous compared to those on the market given that 50% of the insurance and 50% of the interest are at burden of the state.
