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Soft loans for families: how the baby bonus works


Soft loans for families: how the baby bonus works

Soft loans for families: how the baby bonus works

Putting up a family is a decision that requires a lot of reflection, especially nowadays where economic and income stability seems to be much less secure than it was until a few years ago.

Despite the fact that we are fairly certain that we have emerged from the period of the severe economic crisis, which has hit the entire European area hard, there are still many who are struggling to make ends meet. As we know then the choice to make a child stacks a whole series of additional expenses that, in many cases, require the help of extra funds and facilities set up by the state as it happens, just to give an example, in the case of the well-known baby bonus loan, birth support fund.

This economic facilitation has officially entered into force since December 2014, seen as a necessary and indispensable measure for Italian families to support the birth rate in a particularly difficult period.

It is in fact a monthly check, granted to young couples who have had or adopted a child. This measure, as announced by the introductions adopted by the now famous Stability Law, was extended also for 2018 but with different effects. The new parents, in fact, will still be entitled to the bonus but starting this year the sum will be paid only during the first year of the child’s life and no longer to the first three as had happened until 2017.

Compared to last year, however, the basic requirements necessary to access this particular form of loan remain unchanged, which provides in detail an ISEE not exceeding 25,000 euros per family per year.

Loan estimate of 10000 euros

Loan estimate of 10000 euros

 

Financial: Simple Loan
Product: Personal Loan
TAN Fixed: 4.25%
APR: 4.44%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.117

Monthly installment € 185, 28 Feasibility check 

Financial: Ultranix
Product: Personal Loan
TAN Fixed: 5.16%
APR: 6.70%
Loan duration: 60 months
Amount Financed: € 10.146
Total due: € 11.735

Monthly installment € 193, 19 Feasibility check 

Financial: Astrofinance
Product: “Your Projects” Credit
TAN Fixed: 6.01%
APR: 6.18%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.602

 

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