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Cessione del Quinto

The assignment of the fifth , regulated by Decree Law No. 180/50, is the most common formula for loan i lavoratori e rientra nella categoria dei finanziamenti garantiti, quindi del "prestito non finalizzato" all'acquisto di un servizio o bene specifico. Non viene, infatti, richiesta alcuna informazione sulla destinazione del finanziamento. E' indirizzato a varie classi di lavoratori e a diverse tipologie di contratto:


* dipendenti statali

* dipendenti pubblici

* dipendenti aziende private

* ditte individuali

* autonomi (con modello Unico)

* atipici

* tempo indeterminato

* tempo determinato (con durata del prestito non superiore a quella del contratto di lavoro)

* apprendistato o formazione

* INPDAP retired or SCUBA (the law "2005 Budget").

The convenience of these loans lies in being able to enjoy without having to open a bank account to transfer of the fifth firm is, in fact, through monthly payments, fixed rate for the entire duration of the depreciation (up to 120 months) and which can not exceed one fifth of net salary or pension. These rates include any and all incidental costs and insurance.

Their payments are made direct deduction from their pay be implemented by the employer, who assumes responsibility for the payment to the funding body and that, once established the premises, he must ad accogliere la richiesta del dipendente.

Per accedere alla cessione del quinto è indispensabile che il richiedente abbia maturato un'anzianità lavorativa minima da 6 a 12 mesi; si dovrà inoltre fornire il certificato di stipendio alla banca d'appoggio, unitamente alla copia dell'ultima busta paga.

Per abbattere l'eventuale rischio d'insolvenza, il richiedente mette a disposizione il proprio TFR e, una volta dato il proprio consenso al finanziamento, il debitore non potrà più annullare il pagamento.

La cessione del quinto può essere concessa anche a cattivi pagatori, pignorati o protestati, in quanto la garanzia del rimborso spetta al datore di lavoro, che si impegna a trattenere l’importo the rate and deposit it directly to your lender. The loan guarantee lies only in the stability of the employment contract: the installment is paid as long as there's a paycheck (or board) on which charge you, do not expect other additional safeguards, such as mortgages, guarantors or sureties. E 'instead of the conclusion of a mandatory insurance that would protect the bank from possible risks (job loss or death of the debtor).

The bank or finance company pays the agreed amount through a bank draft payable to the applicant, or pouring it directly on the current account or by bank transfer. The delivery amount is very fast: an employee public or a large company can get an advance in less than 24 hours. It should be noted that the sale of the fifth is not convenient for the low figures, in which the APR tends to be higher.

The law provides that the loans with sale of the fifth, on request of the applicant, may have a lapse, the recovery of interest not yet due, or before the effective date, obtaining a new loan, or a renegotiated higher amount.

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Mastopexy with its fat, breast shaping

Per chi intende correggere la forma del proprio seno, rimodellarlo, o rialzare una mammella scesa esiste la possibilità di effettuare una mastopessi con il proprio grasso. Questa tecnica di trasferimento autologo è chiamata lipostruttura o lipofilling .

L'intervento consiste nel prelevare grasso tramite liposuzione dall' addome, dalle cosce o dai glutei per poi "innestarlo" sul seno per scolpirlo. Non ci sarà quindi bisogno di protesi e tutto avviene in maniera naturale visto che nessun corpo estraneo sarà presente nel nostro corpo.

Ovviamente non tutte le donne sono pazienti ideali e possono ricorrere a questa tecnica: se sono magre, se non are accumulations of fat are not good donors and so you can not perform the liposuction.

The operation of mastopexy with your fat lasts slightly more 'than classical because it is still a double procedure. All 'the surgeon will start what is a real liposuction, also improves the waist or hips. Through stainless steel cannulas excess fat is aspirated, then processed and purified from the blood and is injected through another type of tube to be modeled on the breast.

The advantages of autologous mastopexy:

-no use Denture

-you can 'shape at the same time the abdomen and perform a breast lift

-there will be no risk of the problem of capsular contracture, which occurs with hearing

Disadvantages:

-part of the injected fat may be reabsorbed over time

-you can not reshape the breasts with a very large volume of price-empty

mastopexy with own fat than the traditional technique

As I said though it is a final action during the time the patient may have a resorption of the fat, which is why surgeons usually inject more 'fat due during the operation.

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Leasing Immobiliare

The lease, which is based on the classic forms of leasing, is dedicated to the purchase, construction or renovation of a building, ie a well more complex instrumental factors.

The function of this tool is to allow the use of a property, tend in the long term without having to buy it, but with the right of redemption at the end of the contract (terms already agreed upon at the inception ).

Without mobilizing part of their funds, the firm-tenant may therefore have produced expensive, paying the agreed fees (often indexed) to the leasing company that provides to buy or to build the buildings required to meet the needs of the customer.

Real estate leasing, aimed at enterprise companies, traders, professionals, self employed and not least the public administration, finance 100% of the investment, otherwise the mortgage finance available on the market only 50% of property value.

In addition, while currently the loans tend to have a maximum duration of 10 years, the contract of lease may also reach up to 20 years and beyond.
leasing commercial real estate only for residential purposes

Recently, the lease has been extended to private recipients with the words "real estate leasing residential second home", to which individuals can access, with the advantage of lower costs notarial - Data from the absence of a mortgage (but in this loan).

The lease can be distinguished in two categories for real estate leasing
* *

built for real estate leasing building

In the first case the institute lender buys the property chosen by the customer, ceded in leasing the same user in the second case will purchase the site where the building will be built (again on the instructions of the client), managing the entire construction phase to the delivery of the property. The institute

lender will take care of every technical / administrative staff, for example, town planning and feasibility. While the user will assume all costs and risks associated with maintenance and use of the object.
The lease has the same general benefits of the lease (which we presented in the introductory section), including the tax deductibility of the entire canon, in a period equal to half the time of depreciation.

the expiry of the contract, you can choose how to proceed from these options:

buy property with right of redemption, set at an attractive price

extend / renew the lease back the property used

.

For 'insurance additionally, for the duration of the lease, the amount of each monthly fee, and all the details of the financial plan - or chose to choose from - you should contact the conventions of its subsidiary bank, which will check all of the requirements and feasibility of the operation.

Once you have established a positive result, the bank will request the notary (user selected) for the contract of sale.

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Contratto di Mutuo

The Civil Code (art. 1813) defines a mutual agreement "by which one party transfers to another a certain amount of money or other fungible things, and the other is obligated to Return used many things of the same kind and quality ". In fact, neither this article nor the following outline precisely this tiopologia funding.
It is a protracted loan money to maturity with which the beneficiary is obliged to return to regular shares of the capital borrowed by the addition of interest.

industrial companies make use of the loan to cope with continued investment in utility, as a machine or a building. Generally, the release of the money does not follow but before the investment bank grants the loan once in possession of documents confirming the purchase of the property. Since the duration of funding is particularly extensive, the institution that grants it almost always requires appropriate safeguards, che possono essere:
* ipoteche su immobili;

* fideiussioni o avalli;

* delegazioni tributarie;

* privilegi speciali,

* oltre naturalmente al diritto di rivalsa sul bene acquistato (nel caso degli impianti) in caso di insolvenza. Quasi sempre il valore delle garanzie supera l'ammontare del mutuo agevolato.

Nella pratica si danno diverse alternative per la restituzione del finanziamento. Il piano di ammortamento può prevedere:
a) la facoltà di rimborso in ogni momento o in momenti prestabiliti;

b) la restituzione accelerata nei primi anni, oppure - al contrario - una dilazione iniziale e l'inizio del rimborso dopo un certo numero years;
c) the rate of reimbursement constant or decreasing, the latter not followed in practice. Each installment consists of one share and a capital interest. In the case of constant rate, the share capital is increasing, while interest remains high to low.
In the case of decreasing rate, the principal amount of each installment is constant and the interest amount is decreasing (because they are calculated on the outstanding principal to be repaid in each period).
The cost of the loan is the interest rate implicit in the cry of depreciation plus a commission to be paid to the credit institution in the event of early termination. Beyond that are paid by the company that enters into the loan the cost of a spese di assicurazione che la banca abbia sostenuto in relazione ai beni offerti in garanzia.

Sotto forma di mutui vengono erogati molteplici finanziamenti agevolati derivanti da inziative di legge tese a favorire determinati investimenti, comparti economici o zone geografiche.

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Prestiti Personali

Il prestito personale è un finanziamento non finalizzato all’acquisto di uno specifico bene o servizio: il cliente ottiene direttamente dalla banca o dalla finanziaria la disponibilità di una somma con cui, successivamente, potrà affrontare qualsiasi acquisto tipo di spesa familiare.
* Possono essere richiesti da tutti (dipendenti, autonomi, pensionati).

* Reimbursement by RID or postal bulletins can not involve the employer.

* Normally you do not have to justify the use of the sum.
* The interest rate is higher for the greater risk and fewer guarantees.

* Evaluation criteria are more stringent in order to contain the highest risk. *

not normally be funded bad payers, seized or protest.


purpose loans The loan is aimed instead a loan, usually at a dealer of goods and services (cars, appliances, travel, etc..) To defer the purchase price and the amount, unlike the personal loans, is paid directly to the seller who agrees to investigate the practice and send it to the budget which will consider the request.
* may be required by all (employees, self-employed, pensioners).

* The interest rate is usually lower a loan being finalized.

* is usually easier to get through the evaluation criteria less strict. *
not normally be funded bad payers, seized or protest.

* The amount granted is required to cover the price of the goods or services purchased.
Assignment of salary
The sale of the fifth is a loan has not been finalized guaranteed by the TFR and the cumulative insurance mandatory, it provides automatic payments through direct payroll deduction.

* E 'can grant amounts and durations greater than those normally granted for personal loans.

* Interest rate more favorable owing to the increased security.

* Can also be granted to people who have had protests, defaults or late payments.

* E 'can more easily accommodate requests for funding for private employees (remember that for civil servants, the employer is obliged to grant the request). *
involves the involvement of employer must issue the approval (and reimbursement, in fact, takes place through direct payroll deduction).

* Can only be requested by the employee.