Cessione del Quinto della Pensione

Categorie: Prestiti Personali

Si sente parlare spesso della cessione del quinto dello stipendio, ma forse a volte si tralascia di approfondire la cessione del quinto della pensione anchai??i??esso, di diritto, nella famiglia dei cosiddetti ai???prestiti garantitiai???. Infatti, finanziarie e istituti di credito sanno che potranno di certo far fronte al prestito grazie alla garanzia rappresentata dal cedolino della pensione: e direttamente da questo, provengono le trattenute per ripagare il debito contratto dal richiedente. Ecco perchAi??, in genere, dovrebbero avere delle condizioni e dei tassi piA? favorevoli di altre forme di finanziamento: condizione che, tuttavia, non A? sempre vera.



Purtroppo, sai??i??incappa spesso in situazioni sfavorevoli, che rendono il prestito personale classico ben piA? vantaggioso di una cessione del quinto della pensione. Per un pensionato, i tassi applicati sono davvero eccessivi, ma soprattutto, ci si trova di fronte ad un carico di spese accessorie elevate, che addirittura, possono arrivare a sfiorare i diecimila euro. Anche i costi legati alla gestione pratica da parte di un mediatore creditizio lievitano e, curioso caso, accade proporzionalmente allai??i??etAi?? del cliente, in modo del tutto ingiustificato.

Il consiglio, se proprio si A? orientati per la cessione del quinto della pensione, A? di rapportarsi solo con banche grandi e prestigiose, che almeno garantiranno trasparenza e professionalitAi??.

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