Loans with loans against wages or pensions are fixed-rate loans of a maximum duration of 120 months by public and private pensioners and employees on permanent contracts to be repaid by instalment of a salary or pension deduction: this type of loan is called "transfer of the fifth" precisely because the monthly payment is deducted directly from the salary or pension up to 1/5 of the total amount of the pay cheque. Exclusively for employees, the so-called "double fifth" proxy loan, where the advance payment of a fifth transfer is added to that of a loan with delegation, thus reaching a maximum of 40% of the salary. The power of attorney loan may be requested at the same time as the assignment of the fifth, or thereafter, and unlike the assignment, it may not be granted. On the other hand, the transfer of the fifth is always granted, and since the loan is secured by the allocation of the fifth of the salary, its concession does not depend on past credit problems.

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