{"id":1202,"date":"2025-06-18T11:00:17","date_gmt":"2025-06-18T11:00:17","guid":{"rendered":"https:\/\/grouppobccspa.com\/?page_id=1202"},"modified":"2025-07-01T13:35:22","modified_gmt":"2025-07-01T11:35:22","slug":"polizze-assicurative-nella-cessione-del-quinto","status":"publish","type":"page","link":"https:\/\/fianazionade.com\/?page_id=1202","title":{"rendered":"Prestiti ai dipendenti delle piccole imprese"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1202\" class=\"elementor elementor-1202\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cd2b24 e-flex e-con-boxed e-con e-parent\" data-id=\"3cd2b24\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-323d48e elementor-widget elementor-widget-spacer\" data-id=\"323d48e\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-62a63fe e-flex e-con-boxed e-con e-parent\" data-id=\"62a63fe\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57db7ae elementor-widget elementor-widget-text-editor\" data-id=\"57db7ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57db7ae elementor-widget elementor-widget-text-editor\" data-id=\"57db7ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><h3 data-start=\"114\" data-end=\"165\"><strong data-start=\"118\" data-end=\"165\"><span>PRESTITI PER I DIPENDENTI DELLE PICCOLE IMPRESE<\/span><\/strong><\/h3><p data-start=\"167\" data-end=\"616\"><span>La\u00a0<\/span><strong data-start=\"171\" data-end=\"196\"><span>\u00ab\u00a0Cessione del quinto\u00a0\u00bb<\/span><\/strong><span>\u00a0per i dipendenti di\u00a0<\/span><strong data-start=\"217\" data-end=\"240\"><span>piccole imprese<\/span><\/strong><span>\u00a0(con meno di 15 dipendenti) \u00e8 una soluzione di finanziamento meno diffusa rispetto a quella offerta ai dipendenti pubblici o di grandi aziende. Ci\u00f2 \u00e8 dovuto al\u00a0<\/span><strong data-start=\"455\" data-end=\"486\"><span>maggiore rischio percepito<\/span><\/strong><span>\u00a0dagli istituti di credito, poich\u00e9 le piccole imprese spesso presentano\u00a0<\/span><strong data-start=\"550\" data-end=\"606\"><span>una minore stabilit\u00e0 economica e finanziaria<\/span><\/strong><span>\u00a0.<\/span><\/p><p data-start=\"618\" data-end=\"692\"><span>Ecco le caratteristiche e i requisiti specifici per questa categoria:<\/span><\/p><hr data-start=\"694\" data-end=\"697\" \/><h3 data-start=\"699\" data-end=\"778\"><strong data-start=\"703\" data-end=\"778\"><span>Caratteristiche della Cessione del quinto per i dipendenti delle piccole imprese<\/span><\/strong><\/h3><ol data-start=\"780\" data-end=\"1664\"><li data-start=\"780\" data-end=\"961\"><p data-start=\"783\" data-end=\"961\"><strong data-start=\"783\" data-end=\"815\"><span>Rata trattenuta sullo stipendio<\/span><\/strong><span>\u00a0: Come per ogni \u201ccessione del quinto\u201d, la rata mensile non pu\u00f2 superare\u00a0<\/span><strong data-start=\"879\" data-end=\"901\"><span>il 20% (un quinto)<\/span><\/strong><span>\u00a0dello\u00a0<\/span><strong data-start=\"906\" data-end=\"922\"><span>stipendio netto<\/span><\/strong><span>\u00a0del dipendente .<\/span><\/p><\/li><li data-start=\"963\" data-end=\"1016\"><p data-start=\"966\" data-end=\"1016\"><strong data-start=\"966\" data-end=\"987\"><span>Durata massima<\/span><\/strong><span>\u00a0:\u00a0<\/span><strong data-start=\"990\" data-end=\"1004\"><span>120 mesi<\/span><\/strong><span>\u00a0(10 anni).<\/span><\/p><\/li><li data-start=\"1018\" data-end=\"1240\"><p data-start=\"1021\" data-end=\"1240\"><strong data-start=\"1021\" data-end=\"1046\"><span>Condizioni pi\u00f9 severe : gli istituti di credito applicano\u00a0<\/span><\/strong><strong data-start=\"1100\" data-end=\"1123\"><span>criteri pi\u00f9 severi<\/span><\/strong><span>\u00a0nella valutazione del rischio\u00a0, in particolare per quanto riguarda la\u00a0<\/span><strong data-start=\"1161\" data-end=\"1191\"><span>solidit\u00e0 dell&rsquo;azienda<\/span><\/strong><span>\u00a0e la\u00a0<\/span><strong data-start=\"1200\" data-end=\"1239\"><span>stabilit\u00e0 del rapporto di lavoro<\/span><\/strong><span>\u00a0.<\/span><\/p><\/li><li data-start=\"1242\" data-end=\"1470\"><p data-start=\"1245\" data-end=\"1271\"><strong data-start=\"1245\" data-end=\"1269\"><span>Assicurazione obbligatoria<\/span><\/strong><span>\u00a0:<\/span><\/p><ul data-start=\"1275\" data-end=\"1470\"><li data-start=\"1275\" data-end=\"1341\"><p data-start=\"1277\" data-end=\"1341\"><strong data-start=\"1277\" data-end=\"1293\"><span>Rischio vita<\/span><\/strong><span>\u00a0: Copertura obbligatoria in tutti i casi.<\/span><\/p><\/li><li data-start=\"1345\" data-end=\"1470\"><p data-start=\"1347\" data-end=\"1470\"><strong data-start=\"1347\" data-end=\"1369\"><span>Rischio sul posto di lavoro<\/span><\/strong><span>\u00a0: particolarmente importante essere tutelati in caso di perdita del posto di lavoro o di insolvenza dell&rsquo;azienda.<\/span><\/p><\/li><\/ul><\/li><li data-start=\"1472\" data-end=\"1664\"><p data-start=\"1475\" data-end=\"1664\"><strong data-start=\"1475\" data-end=\"1495\"><span>Tassi di interesse pi\u00f9 elevati<\/span><\/strong><span>\u00a0: a causa del rischio pi\u00f9 elevato,\u00a0<\/span><strong data-start=\"1534\" data-end=\"1541\"><span>il TAN<\/span><\/strong><span>\u00a0(tasso di interesse nominale) e\u00a0<\/span><strong data-start=\"1567\" data-end=\"1575\"><span>il TAEG<\/span><\/strong><span>\u00a0(tasso percentuale annuo) potrebbero essere pi\u00f9 elevati rispetto ai prestiti ai dipendenti di aziende pi\u00f9 grandi.<\/span><\/p><\/li><\/ol><\/div><\/div><div class=\"elementor-element elementor-element-f8497a4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f8497a4\" data-element_type=\"widget\" data-widget_type=\"button.default\"><div class=\"elementor-widget-container\"><strong data-start=\"148\" data-end=\"178\">Requisiti principali:<\/strong><\/div><\/div><div class=\"elementor-element elementor-element-6f678a7 elementor-widget elementor-widget-text-editor\" data-id=\"6f678a7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><ol data-start=\"180\" data-end=\"796\"><li data-start=\"180\" data-end=\"456\"><p data-start=\"183\" data-end=\"219\"><strong data-start=\"183\" data-end=\"217\"><span>Stabilit\u00e0 del contratto di lavoro<\/span><\/strong><span>\u00a0:<\/span><\/p><ul data-start=\"224\" data-end=\"456\"><li data-start=\"224\" data-end=\"282\"><p data-start=\"226\" data-end=\"282\"><span>Il dipendente deve essere\u00a0<\/span><strong data-start=\"248\" data-end=\"274\"><span>assunto a tempo indeterminato<\/span><\/strong><span>\u00a0.<\/span><\/p><\/li><li data-start=\"286\" data-end=\"456\"><p data-start=\"288\" data-end=\"456\"><span>Alcuni istituti di credito richiedono un\u00a0<\/span><strong data-start=\"326\" data-end=\"359\"><span>periodo di servizio pi\u00f9 lungo<\/span><\/strong><span>\u00a0(tra\u00a0<\/span><strong data-start=\"370\" data-end=\"391\"><span>12 e 24 mesi<\/span><\/strong><span>\u00a0), rispetto ai\u00a0<\/span><strong data-start=\"414\" data-end=\"430\"><span>6-12 mesi richiesti<\/span><\/strong><span>\u00a0dalle aziende pi\u00f9 grandi.<\/span><\/p><\/li><\/ul><\/li><li data-start=\"458\" data-end=\"796\"><p data-start=\"461\" data-end=\"505\"><strong data-start=\"461\" data-end=\"503\"><span>Solidit\u00e0 finanziaria dell&rsquo;azienda<\/span><\/strong><span>\u00a0:<\/span><\/p><ul data-start=\"510\" data-end=\"796\"><li data-start=\"510\" data-end=\"648\"><p data-start=\"512\" data-end=\"648\"><span>L&rsquo;azienda deve\u00a0dimostrare\u00a0<\/span><strong data-start=\"533\" data-end=\"559\"><span>solidit\u00e0 finanziaria ,\u00a0<\/span><\/strong><strong data-start=\"576\" data-end=\"611\"><span>buone performance economiche<\/span><\/strong><span>\u00a0e\u00a0<\/span><strong data-start=\"616\" data-end=\"645\"><span>continuit\u00e0 operativa<\/span><\/strong><span>\u00a0.<\/span><\/p><\/li><li data-start=\"652\" data-end=\"796\"><p data-start=\"654\" data-end=\"796\"><span>Il rischio \u00e8 considerato pi\u00f9 elevato per le aziende con meno di 15 dipendenti, soprattutto nei\u00a0<\/span><strong data-start=\"773\" data-end=\"795\"><span>settori economicamente volatili<\/span><\/strong><span>\u00a0.<\/span><\/p><\/li><\/ul><\/li><\/ol><hr data-start=\"798\" data-end=\"801\" \/><h3 data-start=\"803\" data-end=\"853\"><strong data-start=\"807\" data-end=\"853\"><span>Documenti da presentare da parte del dipendente:<\/span><\/strong><\/h3><ol data-start=\"855\" data-end=\"1282\"><li data-start=\"855\" data-end=\"1024\"><p data-start=\"858\" data-end=\"885\"><strong data-start=\"858\" data-end=\"883\"><span>Documenti personali<\/span><\/strong><span>\u00a0:<\/span><\/p><ul data-start=\"889\" data-end=\"1024\"><li data-start=\"889\" data-end=\"917\"><p data-start=\"891\" data-end=\"917\"><span>Documento di identit\u00e0 valido<\/span><\/p><\/li><li data-start=\"921\" data-end=\"976\"><p data-start=\"923\" data-end=\"976\"><strong data-start=\"923\" data-end=\"939\"><span>Codice fiscale<\/span><\/strong><span>\u00a0o\u00a0<\/span><strong data-start=\"945\" data-end=\"974\"><span>tessera sanitaria<\/span><\/strong><\/p><\/li><li data-start=\"980\" data-end=\"1024\"><p data-start=\"982\" data-end=\"1024\"><strong data-start=\"982\" data-end=\"1002\"><span>Permesso di soggiorno<\/span><\/strong><span>\u00a0(per cittadini extracomunitari)<\/span><\/p><\/li><\/ul><\/li><li data-start=\"1026\" data-end=\"1282\"><p data-start=\"1029\" data-end=\"1058\"><strong data-start=\"1029\" data-end=\"1056\"><span>Prova di impiego<\/span><\/strong><span>\u00a0:<\/span><\/p><ul data-start=\"1062\" data-end=\"1282\"><li data-start=\"1062\" data-end=\"1101\"><p data-start=\"1064\" data-end=\"1101\"><strong data-start=\"1064\" data-end=\"1099\"><span>Ultime tre buste paga<\/span><\/strong><\/p><\/li><li data-start=\"1105\" data-end=\"1187\"><p data-start=\"1107\" data-end=\"1187\"><strong data-start=\"1107\" data-end=\"1148\"><span>Certificato fiscale uniforme (CU)<\/span><\/strong><span>\u00a0per l&rsquo;anno in corso o precedente<\/span><\/p><\/li><li data-start=\"1191\" data-end=\"1282\"><p data-start=\"1193\" data-end=\"1282\"><strong data-start=\"1193\" data-end=\"1208\"><span>Estratto conto bancario<\/span><\/strong><span>\u00a0, se necessario, per verificare il regolare pagamento dello stipendio<\/span><\/p><\/li><\/ul><\/li><\/ol><hr data-start=\"1284\" data-end=\"1287\" \/><h3 data-start=\"1289\" data-end=\"1333\"><strong data-start=\"1293\" data-end=\"1333\"><span>Differenze rispetto a NoiPA:<\/span><\/strong><\/h3><ul data-start=\"1335\" data-end=\"1522\"><li data-start=\"1335\" data-end=\"1522\"><p data-start=\"1337\" data-end=\"1522\"><span>Non tutti i dipendenti del MEF sono gestiti tramite NoiPA. In questi casi,\u00a0<\/span><strong data-start=\"1414\" data-end=\"1489\"><span>gli istituti di credito comunicano direttamente con l&rsquo;amministrazione competente<\/span><\/strong><span>\u00a0per l&rsquo;espletamento delle formalit\u00e0.<\/span><\/p><\/li><\/ul><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8497a4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f8497a4\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/fianazionade.com\/?page_id=15\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contattaci<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7288fe e-flex e-con-boxed e-con e-parent\" data-id=\"c7288fe\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9e0717 elementor-widget elementor-widget-spacer\" data-id=\"e9e0717\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>PRESTITI PER I DIPENDENTI DELLE PICCOLE IMPRESE La\u00a0\u00ab\u00a0Cessione del quinto\u00a0\u00bb\u00a0per i dipendenti di\u00a0piccole imprese\u00a0(con meno di 15 dipendenti) \u00e8 una soluzione di finanziamento meno diffusa rispetto a quella offerta ai dipendenti pubblici o di grandi aziende. Ci\u00f2 \u00e8 dovuto al\u00a0maggiore rischio percepito\u00a0dagli istituti di credito, poich\u00e9 le piccole imprese spesso presentano\u00a0una minore stabilit\u00e0 economica e [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","footnotes":""},"class_list":["post-1202","page","type-page","status-publish","hentry","entry"],"_links":{"self":[{"href":"https:\/\/fianazionade.com\/index.php?rest_route=\/wp\/v2\/pages\/1202","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fianazionade.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fianazionade.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fianazionade.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fianazionade.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1202"}],"version-history":[{"count":19,"href":"https:\/\/fianazionade.com\/index.php?rest_route=\/wp\/v2\/pages\/1202\/revisions"}],"predecessor-version":[{"id":2793,"href":"https:\/\/fianazionade.com\/index.php?rest_route=\/wp\/v2\/pages\/1202\/revisions\/2793"}],"wp:attachment":[{"href":"https:\/\/fianazionade.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}