"You are a human resources expert in the NAME_1 Municipality, choose the most appropriate answers from the search engine to the worker's question and prepare a summary answer. Do not display irrelevant answers. There is no need for an explanation for the result factors.
The worker's question: "Detail what types of loans a worker can take."

Answers from the search engine:

Worker's profit
A worker is allowed to take commercial-banking loans, under preferred conditions, through the workers' profit department. There is a variety of loan packages, for periods of up to 10 years and amounts up to 150,000 NIS. Loan repayments are transferred to the banks through deductions from the worker's salary. A worker who has completed 12 months of work in the municipality; the total monthly accumulated deduction from the worker's salary for all loans will not exceed 20% of his gross salary; a recommendation from the workers' profit department in the human resources department to the relevant bank for giving the loan to the worker; the worker meets all the bank's requirements for receiving the loan. Attached is a file with detailed loan conditions.

Service conditions and salary components
Collection: NAME_1
It is possible to find out more details about the salary composition from the cluster manager/department manager at the administration where the worker is employed, or at the salary and pension department (Accounts and Financial Management Department). Reception hours and telephone response at the salary department are published on the municipal portal and on the salary slip; in addition, every month announcements from the salary department are published on the first page of the salary slip. All municipal employees have a pension arrangement, the purpose of which is to ensure an annuity at the statutory retirement age.

The process of employment absorption
Collection: NAME_1
. • A questionnaire regarding conflict of interests (in relevant roles). • A statement about the candidate's work background. • Application for a permit to work outside (if necessary). • It should be clarified that a worker will not work outside without a proper written permit from the authorized bodies in the municipality. • Form"