Credito al consumo – Con il Cura Italia nessuna sospensione
Da un lato l’emergenza sanitaria, dall’altro quella economica. Ma se il governo è intervenuto per aiutare chi ha un mutuo o paga l’affitto, nessuna misura è stata varata per il credito al consumo.
Nel decreto Cura Italia dello scorso 11 marzo non ci sono infatti interventi ad hoc per i piccoli prestiti personali.
Così ogni società di credito al consumo si muove come meglio crede: alcune aziende stanno chiedendo puntualmente il pagamento delle rate, altre invece stanno valutando caso per caso proponendo il posticipo.
SOSPENSIONE MUTUO PRIMA CASA PER DIPENDENTI E AUTONOMI
Già con il DL 9/2020 recante “Misure urgenti di sostegno per le famiglie, lavoratori e imprese connesse all’emergenza epidemiologica da COVID-19” era stato prevista la possibilità di richiedere la sospensione per 9 mesi delle rate del mutuo “prima casa” in favore dei lavoratori dipendenti che si erano visti sospendere o ridurre l’orario di lavoro per almeno trenta giorni.
Con il nuovo decreto “Cura Italia” (18/2020) è stata allargata tale possibilità anche ai lavoratori autonomi che certifichino di aver subìto perdite pari al 33% sul fatturato trimestrale.
CREDITO AL CONSUMO, NESSUN RINVIO: LA REGOLA VALE SOLO PER I MUTUI PRIMA CASA
Nessuna misura adottata a sostegno delle ipotesi di credito al consumo (finanziamenti personali e cessioni del quinto). Pertanto, chi attualmente oggi è costretto a pagare rate per tali forme di credito non avrà diritto ad alcuna moratoria.
Cionondimeno, non è escluso che gli istituti di credito potranno autonomamente adeguarsi alla attuale difficile congiuntura economica, mediante rinegoziazione o sospensione dei finanziamenti, sulla scorta delle decisioni già assunte in base all’Addendum all’Accordo per il Credito del 2019 (cfr. punto 2).
ALLE SOCIETA’ DI CREDITO AL CONSUMO SPETTA LA VALUTAZIONE
In piena autonomia, alcuni soggetti privati hanno deciso di muoversi come meglio ritengono opportuno, ovviamente tutelando il proprio credito: se da un lato non è difficile trovare aziende che chiedono il pagamento puntuale delle rate, dall’altro si annoverano altre che invece prevedono forme posticipate di corresponsione.
COSA DIVERSA PER LA CESSIONE DEL QUINTO
Le famiglie italiane nel corso del tempo hanno beneficiato di forme disparate di sostegno: i mezzi finanziari necessari per l’acquisto di determinati beni sono stati racimolati anche con diverse modalità, tra cui la cessione del quinto.
Nella fattispecie in esame, chi ha optato per questa misura non deve preoccuparsi più di tanto in caso di accredito dello stipendio in misura ridotta: si tratta di una tipologia di credito al consumo che, non solo è coperta da un’assicurazione, prevede nel contempo una rimodulazione della rata e della durata in base allo stipendio percepito.
In un simile contesto, se un soggetto dipendente presso una società privata dovesse subire una diminuzione della remunerazione per l’attività lavorativa presta per il proprio datore, a causa per esempio di una temporanea riduzione dell’orario di lavoro, l’importo della rata da corrispondere all’azienda erogatrice del prestito si riduce in maniera del tutto automatica, adattandosi al nuovo stipendio percepito, ovviamente lasciando inalterata la proporzione del quinto dello stipendio, che rappresenta l’essenza stessa della forma di finanziamento.
Qualora questa pubblicazione ti sia risultata utile e gradita, per rimanere sempre aggiornato iscriviti gratuitamente alla newsletter settimanale oppure seguici sui social network (facebook ).
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Krediet aanvragen. Eenvoudige, snelle simulatie en in principe onmiddellijke reactie. Wij dekken alle soorten leningen voor uw behoeften. U kunt contact opnemen via e-mail, die ik hieronder achterlaat: credito.agencia.rapido@gmail.com
Sono un particulario azionista alla banca ed dispongo di un capitale importante per accordare delle prestiti di denaro a tutti persona nel bisogno di capace di rimborso.
Facciamo delle prestiti di denaro di 2.000 € a 500.000 €.
Per ogni nécessita, volete contattarci via email (ferrantegorizio@gmail.com)
Vi ringrazio
Saluti
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Leningaanbod tussen particulieren in Nederland
Sie suchen einen Kreditgeber oder einen Investor für Ihre Projekte: Geschäftskredit, Privatkredit, Immobilienkredit, Autokredit, Studienkredit, Schuldenkonsolidierung, Finanzimmobilienkredit, Investitionskredit, Kreditlinie, Zweithypothek, Kreditrückzahlung
Wurden Sie von einer Bank oder einem Finanzinstitut aus einem oder mehreren Ablehnungsgründen abgelehnt?
Kontaktieren Sie uns so schnell wie möglich: E-Mail: credito.agencia.rapido@gmail.com
Ciao
Per tutte le vostre preoccupazioni finanziarie, contattate:
stefanroger13@gmail.com
Nota: non è necessario pagare nulla in anticipo, è gratuito
Ciao!
Se hai bisogno di un prestito serio e affidabile o hai dubbi su un finanziatore con cui sei in contatto, non esitare a contattarmi. Posso usare la mia esperienza per consigliarti e metterti in contatto con un prestatore rispettabile. Il mio indirizzo email è: cornelia.tremmel3@gmail.com
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I lost close to $600K investing to a fraudulent crypto investment firm.
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I never thought I would fall victim to a crypto scam until I was convinced of a crypto investment scam that saw me lose all my entire assets worth $487,000 to a crypto investment manager who convinced me I could earn more from my investment. I thought it was all gone for good but I kept looking for ways to get back my stolen crypto assets and finally came across Ethical Hack Recovery, a crypto recovery/spying company that has been very successful in the recovery of crypto for many other victims of crypto scams and people who lost access to their crypto. I’m truly grateful for their help as I was able to recover my stolen crypto assets and get my life back together. I highly recommend their services
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mia moglie ha conosciuto un uomo vero, affidabile e cordiale, il signor Gorizio Ferrante, che ha versato davvero la somma di € 45.000 sul conto di mia moglie solo 5 giorni fa. Risponde tramite email ferrantegorizio@gmail.com
Buongiorno, vorrei ringraziare di cuore la signor Gorizio Ferrante, che ho conosciuto grazie ad un’amica che ha ricevuto un prestito da questa signora. L’ho allora contattata per un prestito di 35.000 euro, il mio prestito oggi, ecco la sua email per chi ne avesse bisogno, non rimarrete delusi
E-mail: ferrantegorizio@gmail.com
Messaggio di WhatsApp +33753176895