{"id":13590,"date":"2022-07-09T16:59:50","date_gmt":"2022-07-09T16:59:50","guid":{"rendered":"https:\/\/www.m-finance.it\/company\/?p=13590"},"modified":"2024-10-29T07:39:41","modified_gmt":"2024-10-29T07:39:41","slug":"prestiti-a-dipendenti-pubblici-e-statali","status":"publish","type":"post","link":"https:\/\/www.m-finance.it\/company\/2022\/07\/09\/prestiti-a-dipendenti-pubblici-e-statali\/","title":{"rendered":"Prestiti a dipendenti Pubblici e Statali"},"content":{"rendered":"
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I dipendenti pubblici e statali hanno da sempre potuto godere di agevolazioni dell\u2019ambito del credito.  Negli anni cinquanta fu creata una legge ad hoc per regolare i finanziamenti dei dipendenti degli enti locali (ospedali, comuni, province, Asl,regioni) e degli enti ministeriali (Arma dei Carabinieri, Prefetture, Questure, Esercito, Marina Militare, Aeronautica e in generale i dipendenti delle amministrazioni i cui emolumenti siano gestiti dal MEF). La legge in questione riguarda la Cessione del quinto, le norme di riferimento sono il D.P.R. 5 gennaio 1950 n.180 e il successivo regolamento attuativo D.P.R. 28 luglio 1950 n. 895.<\/p>\n\n\n\n

Questa migliore opportunit\u00e0 di accesso al credito \u00e8 legata alla maggiore garanzia oggettiva offerta da chi riceve i propri emolumenti mensili dallo Stato Italiano rispetto a chi ad esempio \u00e8 un lavoratore autonomo o rispetto a chi presta servizio nel comparto privato. Nel dettaglio tutto ci\u00f2 si traduce nella possibilit\u00e0 di ottenere somme elevate in tempi brevi, senza dover fornire garanzie accessorie, usufruendo di  rate fisse e costanti, anche per chi avesse avuto passati disguidi in ambito finanziario (protesti, segnalazioni in banche dati, pignorati). Inoltre tutte le societ\u00e0 finanziarie e le banche (in particolare il Credito Emiliano) offrono dei tassi particolarmente agevolati agli appartenenti a tali categorie.<\/p>\n\n\n\n

Da sottolineare \u00e8 la possibilit\u00e0 per quasi tutti i dipendenti statali e i dipendenti pubblici \u00e8 di poter usufruire dell\u2019istituto della Delegazione di pagamento ovvero della possibilit\u00e0 di ottenere un ulteriore finanziamento in affiancamento alla cessione del quinto. In particolare questo tipo di finanziamento regolato dall\u2019art. 1269 c.c. e per analogia dal DPR 180\/1950 dal codice civile \u00e8 assimilabile in maniera quasi totale alla cessione del quinto. Il totale delle rate presenti in busta paga deve rientrare nel limite del 40% della stipendio netto, possono erogare il prestito soltanto le banche e le societ\u00e0 finanziarie convenzionate con l\u2019amministrazione pagante.<\/p>\n\n\n\n

Attualmente il Credito Emiliano \u00e8 convenzionato con la quasi totalit\u00e0 dei Ministeri. Se sei interessato alla\u00a0 possibilit\u00e0 di ottenere un prestito Delega e vuoi verificare la presenza della convenzione ed ottenere una consulenza ed un preventivo gratuito e senza impegno.<\/p>\n","protected":false},"excerpt":{"rendered":"

I dipendenti pubblici e statali hanno da sempre potuto godere di agevolazioni dell\u2019ambito del credito.  Negli anni cinquanta fu creata una legge ad hoc per regolare i finanziamenti dei dipendenti degli enti locali (ospedali, comuni, province, Asl,regioni) e degli enti ministeriali (Arma dei Carabinieri, Prefetture, Questure, Esercito, Marina Militare, Aeronautica e in generale i dipendenti […]<\/p>\n","protected":false},"author":5,"featured_media":13591,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[2,4],"tags":[6,12],"class_list":["post-13590","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-prestiti","tag-business","tag-security"],"yoast_head":"\nPrestiti a dipendenti Pubblici e Statali - M Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.m-finance.it\/company\/2022\/07\/09\/prestiti-a-dipendenti-pubblici-e-statali\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prestiti a dipendenti Pubblici e Statali - 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