Posizione ad Incaglio o Incaglio Bancario

Categorie: Prestiti

A? probabile di aver sentito parlare di incaglio bancario, ma senza sapere esattamente cosa volesse significare questo modo di dire. Appartiene ovviamente al gergo tecnico la definizione di incaglio bancario o di posizione ad incaglio, e serve a definire una difficoltAi?? momentanea di far fronte ai debiti stipulati, ma anche uno scoperto sul conto, fidi dagli interessi totali elevati, rate messe in mora. Quando si verifica questa circostanza, non A? raro essere convocati da parte del direttore della propria filiale, che cercherAi??, con il debitore, di trovare un modo per rientrare velocemente dei debiti. Di solito, si negozia un rientro dellai??i??esposizione in un periodo compreso tra i dieci e i quattordici mesi. Si potrAi?? pertanto rientrare attraverso opportuni versamenti e, in tal caso, la situazione verrAi?? considerata di nuovo normale da parte del soggetto finanziatore.



Per essere cancellati dalla Centrale Rischi alla Banca d’Italia si tenga conto, comunque, che sai??i??impiegano almeno una sessantina di giorni dalla fine del mese nel quale A? avvenuto il risanamento dei debiti. Nei casi estremi perA?, la banca potrebbe arrivare alla risoluzione del contratto stipulato con il debitore o procedere per vie legali. La posizione ad incaglio, infatti, precede quella di sofferenza, arrivati alla quale lai??i??istituto di credito deciderAi?? di procedere ad un recupero dei crediti attraverso il pignoramento, o comunque lai??i??acquisizione coatta, dei beni del cattivo pagatore, dandone mandato al proprio ufficio legale.

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