The announcement of recent days by Poste Italiane and what was after all a sort of litmus test.
In recent days we have written about one innovative, so it could be defined, an initiative launched by Poste Italiane in order to guarantee even those who do not have a paycheck the possibility of accessing small loans ranging from 1000 to 3000 euro for Poste Italiane account holders and holders of prepaid cards Postepay. A distinction is made between the information that comes directly from the company between self-employed and employees. Clearly the autonomous it cannot provide certainty of income unlike the employee, or even the retiree.
The innovativeness of the dynamic, in fact it’s all there. Too good to be true, in fact. Despite the overall low figures compared to other types of loans usually evaluated by citizens, we always talk about lending money without any objective guarantee. The self-employed can earn today 1000 and tomorrow 100, how does he commit to well 22 months? These are the times for the deferred payment considered by Poste Italiane.
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The litmus test: directly to the post office to ask for information about it
To make this clearer, we went straight into a post Office, where one of our correspondents asked for information about the possibility of receiving a loan, as advertised from the company in the absence of a paycheck, considering the working position of the latter, journalist, freelance without any employment contract. The response of the consultant in question? Spades. No financing for those without a paycheck. But how? The commercial focuses on that element, and now everything is taken apart?
The consultant explains, between veiled and the cheeky that in reality the possibility of accessing a loan without a paycheck for a freelancer, but the income of the latter must exceed 11mila euros. For the rest, state, employees and so on are preferred, all people who have a paycheck and how.
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Moral of the fable? We have not actually found a moral. We have found for ourselves that unfortunately all that it is disseminated by companies on their own account on their own programs on their own initiatives, can be, at times, nothing more than a red herring. A reminder, a false one promise, something that probably shouldn’t exist, at least to avoid feeding false hopes. If you don’t work, nobody gives you the money.
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