Il consolidamento debiti – Tutto quello che devi sapere
Le rate da pagare perĀ mutuiĀ o prestiti sono troppe, e troppo pesanti per il bilancio familiare? Si puĆ² ricorrere al consolidamento debiti. Di che si tratta?
IL CONSOLIDAMENTO DEI DEBITI: COSāEā?
IlĀ 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 ĆØ altro che un finanziamento che permette di far fronte ad un certo numero di rate relative anche a prestiti diversi, accorpate insieme inĀ una rata unica di importo mensile inferiore, periodo di ammortamento superiore e tasso di interesse simile se non inferiore, il che rende lāestinzione del debito piĆ¹ sostenibile e meglio gestibile, pesando meno sul portafoglio di famiglia.
IĀ prestiti precedenti vengono estintiĀ dalla banca o dalla finanziaria che accetta la tua richiesta di consolidamento, diventando lāunico creditore del prestito.
COME OTTENERLO?
PerchĆ© il prestito per consolidamento venga concesso,Ā bisogna tener conto di alcuni fattori: il richiedente non deve rappresentare un rischio per lāistituto (secondo, ovviamente, i criteri dellāistituto stesso);Ā il rapporto tra le sue entrate mensili e la rata deve essere sostenibile; il richiedente non deve avere a suo carico segnalazioni comeĀ 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, chiederĆ come ulteriore tutela contro la possibile insolvenza la presenza di unĀ garante. Non ĆØ invece previsto che le banche chiedano pegni o ipoteche su immobili per tutelarsi dallāinsolvenza, 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. ParticolarmenteĀ importanti sono iĀ conteggi estintivi, ovvero i calcoli delĀ debito residuoĀ che occorre rimborsare ai creditori originari. Tali conteggi sono, evidentemente, alla base della determinazione dellāimporto del prestito da concedere per il consolidamento.
CHI PUOā RICHIEDERLO?
Il prestito per consolidamento debitiĀ puĆ² essere richiesto da persone fisiche e giuridiche giĆ titolari di mutui casa e prestiti, e, in linea teorica, da persone che si trovino in una qualunque condizione reddituale purchĆ© sostenibile o garantita: dipendenti pubblici o privati, pensionati, artigiani, autonomi e perfino disoccupati.
IL CONTRATTO: COSA DEVE CONTENERE?
NelĀ contrattoĀ di prestito per consolidamento, secondo la legge, bisogna indicare dati e contatti dellāistituto finanziatore, ammontare del finanziamento, numero, scadenze e importi delle rate, modalitĆ di erogazione, tassi di interesse, prezzi e condizioni praticate (compreso il tasso di mora), ilĀ TAEGĀ e il modo con cui viene calcolato, garanzie richieste ed eventuali coperture assicurative aggiuntive.
FONTE: www.facile.it
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