Il consolidamento debiti – Tutto quello che devi sapere
Le rate da pagare per mutui o prestiti sono troppe, e troppo pesanti per il bilancio familiare? Si può ricorrere al consolidamento debiti. Di che si tratta?
IL CONSOLIDAMENTO DEI DEBITI: COS’E’?
Il consolidamento debiti, strumento introdotto dalla legge italiana con il DL 212/2011 per evitare il sovraindebitamento delle famiglie in un periodo di crisi come quello attuale, non è altro che un finanziamento che permette di far fronte ad un certo numero di rate relative anche a prestiti diversi, accorpate insieme in una rata unica di importo mensile inferiore, periodo di ammortamento superiore e tasso di interesse simile se non inferiore, il che rende l’estinzione del debito più sostenibile e meglio gestibile, pesando meno sul portafoglio di famiglia.
I prestiti precedenti vengono estinti dalla banca o dalla finanziaria che accetta la tua richiesta di consolidamento, diventando l’unico creditore del prestito.
COME OTTENERLO?
Perché il prestito per consolidamento venga concesso, bisogna tener conto di alcuni fattori: il richiedente non deve rappresentare un rischio per l’istituto (secondo, ovviamente, i criteri dell’istituto stesso); il rapporto tra le sue entrate mensili e la rata deve essere sostenibile; il richiedente non deve avere a suo carico segnalazioni come cattivo pagatore.
In caso il richiedente non abbia un reddito o una pensione regolare, la banca erogatrice del finanziamento, dopo aver esaminato la situazione patrimoniale del richiedente, chiederà come ulteriore tutela contro la possibile insolvenza la presenza di un garante. Non è invece previsto che le banche chiedano pegni o ipoteche su immobili per tutelarsi dall’insolvenza, a meno che non si tratti specificamente di un mutuo per consolidamento.
Per poter erogare il finanziamento, la banca ha bisogno di tutti i documenti relativi ai prestiti da estinguere. Particolarmente importanti sono i conteggi estintivi, ovvero i calcoli del debito residuo che occorre rimborsare ai creditori originari. Tali conteggi sono, evidentemente, alla base della determinazione dell’importo del prestito da concedere per il consolidamento.
CHI PUO’ RICHIEDERLO?
Il prestito per consolidamento debiti può essere richiesto da persone fisiche e giuridiche già titolari di mutui casa e prestiti, e, in linea teorica, da persone che si trovino in una qualunque condizione reddituale purché sostenibile o garantita: dipendenti pubblici o privati, pensionati, artigiani, autonomi e perfino disoccupati.
IL CONTRATTO: COSA DEVE CONTENERE?
Nel contratto di prestito per consolidamento, secondo la legge, bisogna indicare dati e contatti dell’istituto finanziatore, ammontare del finanziamento, numero, scadenze e importi delle rate, modalità di erogazione, tassi di interesse, prezzi e condizioni praticate (compreso il tasso di mora), il TAEG e il modo con cui viene calcolato, garanzie richieste ed eventuali coperture assicurative aggiuntive.
FONTE: www.facile.it
Qualora questa pubblicazione ti sia risultata utile e gradita, per rimanere sempre aggiornato iscriviti gratuitamente alla newsletter settimanale oppure seguici sui social network (facebook ).
Ciao,
sono il prestito finanziario del signor Mike Church, un prestatore di prestiti legittimo, diamo prestiti
al prestito personale, mutuo per la casa, prestiti per l’acquisto di un’auto, prestito studentesco, debito
prestito di consolidamento, prestito chirografario, prestiti di capitale di rischio e imprese a
investire e risolvere problemi finanziari, ecc… i nostri prestiti facilmente e condividere
capitale di € 150 milioni di euro, prevede di prestare a privati a breve e lungo termine,
un termine che va da € 500 a € 100 milioni di euro per tutte le persone serie,
affidabile, e integra vuole fare un prestito. Il mio tasso di interesse del 2%, se
sei interessato alla nostra offerta di prestito, contattaci all’indirizzo e-mail
Nome: signor Mike
Email: agborloanfirm@gmail.com o mandami un messaggio su WhatsApp +393510783253
freelance writing jobs for beginners working
from home
pharmacy affiliate commission
legitimate work from home jobs for beginners
maximizing pharmacy affiliate earnings
These are truly fantastic ideas in about blogging. You have touched some good factors here.
Any way keep up wrinting.
Hi it’s me, I am also visiting this web site regularly,
this website is in fact nice and the people are actually sharing
good thoughts.
Great article! We will be linking to this great post on our website.
Keep up the great writing.
Thank you for any other fantastic article. Where
else may anybody get that kind of info in such an ideal manner of writing?
I have a presentation next week, and I’m on the look for such information.
My brother recommended I might like this web site. He was entirely right.
This post truly made my day. You can not imagine just how much time
I had spent for this information! Thanks!
Hi there mates, how is all, and what you wish for to say
regarding this article, in my view its actually remarkable for me.
This site was… how do I say it? Relevant!! Finally I’ve found
something which helped me. Appreciate it!
First off I want to say great blog! I had a quick question in which I’d like to ask if you don’t mind.
I was interested to find out how you center yourself and
clear your mind before writing. I’ve had a hard time clearing
my mind in getting my thoughts out. I truly do take pleasure in writing but it just seems like the first 10 to 15 minutes are wasted simply just trying to
figure out how to begin. Any ideas or tips? Many thanks!
Thank you a bunch for sharing this with all
folks you actually recognise what you are speaking about!
Bookmarked. Kindly also talk over with my website =).
We will have a hyperlink alternate agreement among us
Great blog! Is your theme custom made or did you download it from somewhere?
A theme like yours with a few simple adjustements would really make my blog jump out.
Please let me know where you got your theme. Thanks a lot
Thanks in favor of sharing such a pleasant idea, paragraph is pleasant, thats why i have read it
entirely
A motivating discussion is definitely worth
comment. I do believe that you should publish more on this issue,
it might not be a taboo matter but generally people don’t speak
about such topics. To the next! All the best!!
What’s up mates, how is everything, and what you wish for to say concerning this post, in my view its really amazing for me.
Awesome blog! Do you have any tips and hints
for aspiring writers? I’m hoping to start my own site
soon but I’m a little lost on everything. Would you
suggest starting with a free platform like WordPress or go for a paid option? There are so many choices
out there that I’m completely overwhelmed ..
Any tips? Thanks a lot!
Excellent goods from you, man. I have understand your stuff
previous to and you are just too great. I really like
what you have acquired here, really like what you’re stating and the way in which you
say it. You make it enjoyable and you still take care of to
keep it wise. I can’t wait to read much more from you.
This is really a wonderful site.
Hey I know this is off topic but I was wondering if
you knew of any widgets I could add to my blog that automatically
tweet my newest twitter updates. I’ve been looking for a plug-in like this
for quite some time and was hoping maybe you would have some experience with something
like this. Please let me know if you run into anything.
I truly enjoy reading your blog and I look forward
to your new updates.
Excellent way of telling, and fastidious piece of writing
to obtain data on the topic of my presentation focus, which i am going to convey in school.
I think this is among the most vital info for me. And i’m glad reading your article.
But should remark on some general things, The site style is perfect,
the articles is really excellent : D. Good job, cheers
Wonderful site. A lot of useful info here. I’m sending it to some pals ans also sharing in delicious.
And naturally, thank you on your effort!
I haven’t checked in here for some time because I thought it was getting boring, but the last few posts are good quality so I guess I’ll add you back to my daily bloglist. You deserve it my friend 🙂
Feel free to surf to my web-site – https://vavadacasino.Populiser.com/
I am sure this article has touched all the internet viewers, its really really fastidious piece of writing on building up new web site.
My brother suggested I would possibly like this web
site. He was once totally right. This publish truly made my day.
You cann’t imagine simply how much time I had spent for this info!
Thanks!
I am incessantly opinionated about this, thanks for putting up.
Stop by my blog post … http://157.230.37.164/viewtopic.php?f=16&t=155782&p=498857
Great blog here! Also your site loads up fast! What host are you using?
Can I get your affiliate link to your host? I wish my
site loaded up as fast as yours lol
Wo finde ich Medikamente in Tunis? Vale Einsiedeln medicijnen beschikbaar in een Nederlandse apotheek
acquisto di farmaci in Italia Aliud Binasco medicamentos sin prescripción médica
снится бассейн с рыбой 10 февраля характеристика вам и не снилось про что
видеть родственника в гробу к чему снится гуляш из мяса
кассиопея интересные факты галицкий жена что случилось, галицкий болезнь для
чего мы встретились по дате рождения, для чего встретились по дате
рождения онлайн
козерог в козе женщина приснилась фото брата
нурканат кайрат ага маган бир кыз унап калды
скачать, ага маган бир кыз унап калды журегим
скачать мұхтар шаханов эверестке шығу, мұхтар шаханов наурыз өлеңі металл деление
на слоги, образовательная область коммуникация в детском
саду тұран ойпаты өзен көлдері, тұран жазығы
жануарлар дүниесі
KREDITNO PODUZEĆE ZA FINANCIJSKO PLANIRANJE TREBATE LI FINANCIJSKU POMOĆ? JESTE LI U FINANCIJSKOJ KRIZI ILI SU VAM POTREBNA SREDSTVA ZA POKRETANJE VLASTITOG POSLA? TREBATE LI SREDSTVA KAKO BISTE PODMIRILI DUG ILI ISPLATILI RAČUNE ILI POKRENULI DOBAR BIZNIS? IMATE LI NIZAK KREDITNI REZULTAT I TEŠKO VAM JE DOBITI KAPITALNE USLUGE OD LOKALNIH BANAKA I DRUGIH FINANCIJSKIH INSTITUTA? EVO VAŠE ŠANSE DA DOBIJETE FINANCIJSKE USLUGE OD NAŠE TVRTKE. NUDIMO SLJEDEĆE FINANCIJE POJEDINCIMA- *KOMERCIJALNE FINANCIJE *OSOBNE FINANCIJE *POSLOVNE FINANCIJE *POSLOVNE FINANCIJE *POSLOVNE FINANCIJE I MNOGO VIŠE: ZA VIŠE DETALJA. KONTAKTIRAJTE ME PUTEM. E-MAIL Pošaljite nam e-poštu: smartloanfunds@gmail.com Svi tražitelji gotovine trebali bi nas kontaktirati Whats App +385915608706
KREDITNO PODUZEĆE ZA FINANCIJSKO PLANIRANJE TREBATE LI FINANCIJSKU POMOĆ? JESTE LI U FINANCIJSKOJ KRIZI ILI SU VAM POTREBNA SREDSTVA ZA POKRETANJE VLASTITOG POSLA? TREBATE LI SREDSTVA KAKO BISTE PODMIRILI DUG ILI ISPLATILI RAČUNE ILI POKRENULI DOBAR BIZNIS? IMATE LI NIZAK KREDITNI REZULTAT I TEŠKO VAM JE DOBITI KAPITALNE USLUGE OD LOKALNIH BANAKA I DRUGIH FINANCIJSKIH INSTITUTA? EVO VAŠE ŠANSE DA DOBIJETE FINANCIJSKE USLUGE OD NAŠE TVRTKE. NUDIMO SLJEDEĆE FINANCIJE POJEDINCIMA- *KOMERCIJALNE FINANCIJE *OSOBNE FINANCIJE *POSLOVNE FINANCIJE *POSLOVNE FINANCIJE *POSLOVNE FINANCIJE I MNOGO VIŠE: ZA VIŠE DETALJA. KONTAKTIRAJTE ME PUTEM. E-MAIL Pošaljite nam e-poštu: smartloanfunds@gmail.com Svi tražitelji gotovine trebali bi nas kontaktirati Whats App +385915608706 ,,,,,,,,,,,,,,,
Link exchange is nothing else however it is simply placing the other person’s weblog link on your page
at appropriate place and other person will also do same for you.
medicamentos disponible en Argentina Medicus Guaduas acheter médicaments en Europe facilement
зона отдыха жансая алаколь, алаколь акши – отзывы
инокспоинт, труба нержавеющая
бесшовная цена за метр как узнать очередь на
операцию по квоте, проверить очередь на эко мәтіннің қай бөлігінде негізгі ой тұжырымдалған осы ой бөлігін тауып жаз,
мен бессайысшы боламын
The battlefield is waiting – let’s make some noise Lodibet
Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog
that automatically tweet my newest twitter updates.
I’ve been looking for a plug-in like this for quite some time and was hoping maybe
you would have some experience with something like this.
Please let me know if you run into anything.
I truly enjoy reading your blog and I look forward to your new updates.
вам и не снилось тема слушать раху в 10 доме джйотиш кармическая задача может ли мужчина сделать приворот
женщине
книги заговоров натальи степановой купить к чему снится мыть асфальт шваброй на улице
I have been surfing on-line more than three hours these days, but I never discovered any interesting article like yours. It’s pretty price enough for me. In my opinion, if all web owners and bloggers made excellent content material as you probably did, the internet might be a lot more useful than ever before.
My blog post: http://Www.lycantic.com/forum/viewtopic.php?f=6&t=333572&p=366958
Terrific post! We can exist linking to this big post on our location. Uphold the good scribbling.
Here is my blog; http://Www.Jeepin.com/forum/member.php?u=115450
It�s nearly impossible to find experienced individuals about this subject, but you sound like you know what you�re talking about! Thanks
Also visit my web blog :: http://Himeuta.org/member.php?1570517-Svetlananae
This is actually interesting, You are a very skilled blogger. I’ve coupled your rss feed and look forward to searching for additional of your brilliant post. Also, I’ve shared your location in my social networks!
my web-site; http://www.glaschat.ru/glas-f/member.php?322571-Davidgsm
Howdy, all is happening adequately here and clearly everyone is exchanging information, that’s really fantastic, uphold scribbling.
Stop by my web page … http://www.oople.com/forums/member.php?u=238596
Terrific blog you’ve got here.. It�s tough to find quality writing similar yours at the present time. I really appreciate folks similar you! Bear care!!
Look at my site :: http://Forums.outdoorreview.com/member.php?293594-Irinujo