Individual: the individual loan is a request for credit to his current account, addressed to the SES, of a certain amount, calculated according to the parameters indicated below, which allows the individual to carry out one or more projects, otherwise not feasible.

One or more loans may be requested during the period of one's participation in the SES, even cumulatively, provided that they do not exceed the maximum obtainable.

The system will recover the claim by automatically deducting one third of each applicant's income until the loan is completely written off.

It will not be possible to apply for another loan until the previous one has been partially or completely returned. In the first case it will be possible to apply for a new loan for a maximum amount equal to the difference between the maximum amount obtainable and the total return with reference to the previous loan(s). In the second case it will be possible to start a new loan for a maximum amount equal to the maximum obtainable value.

Collective: A collective loan is a loan forwarded by a specific community to achieve one or more common goals.

The application procedures are identical to those for individual loans.

With regard to the purchase of materials for the construction of public works, this type of loan is not addressed to this type of loans, but to the allocation of the necessary sums, through direct allocation to a dedicated community current account, specifically opened by the community responsible for the works, following a public resolution and relative notification to the SES.