Cessione del Quinto dello stipendio o della pensione

La cessione del quinto dello stipendio A? uno di quei finanziamenti maggiormente utilizzati perchAi?? facile da ottenere e, come si A? soliti dire, appartiene alla categoria dei prestiti ai???garantitiai???. Il meccanismo sul quale si basa A? semplice: al richiedente viene concessa una somma che A? basata sullo stipendio o sulla pensione percepiti. Di norma, in questo modo, banche ed istituti finanziari concedono piA? facilmente tale tipologia di prestito, in quanto il rimborso A? garantito, appunto, da un reddito sicuro. I tassi dai??i??interesse e le condizioni dovrebbero pertanto essere piA? favorevoli di quelli concessi per finanziamenti di altra natura.

Purtroppo, non sempre A? quello che accade: troppo spesso si assiste a tassi dai??i??interesse troppo elevati, tanto da arrivare, in taluni casi, a pagare tra spese e interessi, una somma praticamente pari a quella richiesta. Anche la trasparenza non A? sempre a livelli massimi, discorso questo che vale soprattutto per alcune finanziarie, mentre piA? difficilmente capita nel caso di istituti di credito. In linea generale A? preferibile, comunque, chiedere preventivi a chi ai??i??banca o finanziaria- ha stipulato accordi e convenzioni con gli enti pubblici, come ad esempio con lai??i??INPS. In questi casi, soprattutto per quanto riguarda i pensionati, il TAEG (tasso annuo effettivo globale) riesce ad essere davvero competitivo!

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