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.
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