{"id":43742,"date":"2025-05-30T15:24:53","date_gmt":"2025-05-30T13:24:53","guid":{"rendered":"https:\/\/abi-newsite.azurewebsites.net\/?page_id=43742"},"modified":"2026-08-03T11:31:29","modified_gmt":"2026-08-03T09:31:29","slug":"consumatori","status":"publish","type":"page","link":"https:\/\/www.abi.it\/en\/i-macro-trend\/regolamentazione\/consumatori\/","title":{"rendered":"Consumer Credit"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"43742\" class=\"elementor elementor-43742\" data-elementor-post-type=\"page\">\n\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-578d28d elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible pxl-section-fix-none pxl-bg-color-none pxl-section-overlay-none\" data-id=\"578d28d\" data-element_type=\"section\" data-e-type=\"section\" id=\"skip-to-main-content\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-extended \">\n                <aside class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-14b702b pxl-column-sticky elementor-hidden-tablet elementor-hidden-mobile pxl-column-overflow-hidden-no\" data-id=\"14b702b\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                     \n        <nav class=\"elementor-element elementor-element-7a3d27a elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"7a3d27a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;widescreen&quot;,&quot;desktop&quot;,&quot;laptop&quot;,&quot;tablet_extra&quot;],&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9251e1 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-pxl_menu\" data-id=\"c9251e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \n\n    <div class=\"pxl-nav-menu pxl-nav-menu1 style-default hover-underline sub-style-default show-effect-slideup sub-hover-left-line pxl-mega-full-width pxl-layout-vertical \" data-wow-delay=\"ms\">\n        <div class=\"menu-consumatori-container\"><ul id=\"menu-consumatori\" class=\"pxl-menu-primary clearfix\"><li id=\"menu-item-34574\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34574\"><a href=\"#section-1\"><span class=\"pxl-menu-item-text\">Fondo di garanzia mutui prima casa<span class=\"pxl-item-menu-icon pxl-hide \"><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-34575\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34575\"><a href=\"#section-2\"><span class=\"pxl-menu-item-text\">Fondo di solidariet\u00e0 per i mutui per l&#8217;acquisto della prima casa<span class=\"pxl-item-menu-icon pxl-hide \"><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-43018\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-43018\"><a href=\"#section-3\"><span class=\"pxl-menu-item-text\">Plafond casa<span class=\"pxl-item-menu-icon pxl-hide \"><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-43253\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-43253\"><a href=\"#section-4\"><span class=\"pxl-menu-item-text\">Polizze su mutui e altri finanziamenti<span class=\"pxl-item-menu-icon pxl-hide \"><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-34573\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34573\"><a href=\"#section-5\"><span class=\"pxl-menu-item-text\">Pillole video sui &#8220;mutui casa&#8221;<span class=\"pxl-item-menu-icon pxl-hide \"><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-34576\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34576\"><a href=\"#section-6\"><span class=\"pxl-menu-item-text\">Fondo per il credito ai giovani (c.d. \u201cFondo per lo studio\u201d)<span class=\"pxl-item-menu-icon pxl-hide \"><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-34577\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34577\"><a href=\"#section-7\"><span class=\"pxl-menu-item-text\">Calamit\u00e0 naturali<span class=\"pxl-item-menu-icon pxl-hide \"><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-34580\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34580\"><a href=\"#section-8\"><span class=\"pxl-menu-item-text\">Linee guida valutazioni immobiliari<span class=\"pxl-item-menu-icon pxl-hide \"><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-34581\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34581\"><a href=\"#section-9\"><span class=\"pxl-menu-item-text\">Linee guida valutazioni degli immobili a garanzia dei crediti inesegibili<span class=\"pxl-item-menu-icon pxl-hide \"><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-34578\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34578\"><a href=\"#section-10\"><span class=\"pxl-menu-item-text\">Prestito ipotecario vitalizio<span class=\"pxl-item-menu-icon pxl-hide \"><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-34579\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34579\"><a href=\"#section-11\"><span class=\"pxl-menu-item-text\">Anticipazione TFS\/TFR<span class=\"pxl-item-menu-icon pxl-hide \"><\/span><\/span><\/a><\/li>\n<li id=\"menu-item-34582\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34582\"><a href=\"#section-12\"><span class=\"pxl-menu-item-text\">Informativa default<span class=\"pxl-item-menu-icon pxl-hide \"><\/span><\/span><\/a><\/li>\n<\/ul><\/div>    <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/nav>\n\t\t            <\/div>\n        <\/aside>\n                <section class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-caa1065 pxl-column-sticky pxl-column-overflow-hidden-no\" data-id=\"caa1065\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                     \n        \t\t<div class=\"elementor-element elementor-element-ac17dd2 elementor-align-left elementor-widget elementor-widget-breadcrumbs\" data-id=\"ac17dd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav id=\"breadcrumbs\"><span><span><a href=\"https:\/\/abi-newsite.azurewebsites.net\/\">Home<\/a><\/span><\/span><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cdaec79 section e-flex e-con-boxed e-con e-child\" data-id=\"cdaec79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0473a3f elementor-widget elementor-widget-heading\" data-id=\"0473a3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Credito ai consumatori<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7698a77 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"7698a77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>L\u2019ABI svolge diverse attivit\u00e0 per favorire l\u2019accesso al credito da parte dei consumatori, contribuendo, anche in collaborazione con le Associazioni dei consumatori, a rendere i prestiti e i finanziamenti pi\u00f9 accessibili, trasparenti e sostenibili.<\/p>\t\t\n\t<\/div>\n<\/div>\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-b6b3941 section e-flex e-con-boxed e-con e-child\" data-id=\"b6b3941\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-1\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-274b26b elementor-widget elementor-widget-heading\" data-id=\"274b26b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fondo di garanzia mutui prima casa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7056ac elementor-widget elementor-widget-pxl_text_editor\" data-id=\"f7056ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>Il Fondo di garanzia mutui per la prima casa, cosiddetto Fondo prima casa, istituito presso il Ministero dell\u2019Economia e delle Finanze e gestito da Consap, concede una garanzia pubblica per l\u2019accensione di mutui ipotecari per l\u2019acquisto e per eventuali interventi di ristrutturazione e accrescimento di efficienza energetica di unit\u00e0 immobiliari da adibire ad abitazione principale.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c92a283 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"c92a283\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>L\u2019accesso al Fondo \u00e8 riservato alle seguenti categorie di mutuatari:<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-680fb2a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"680fb2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">a) giovane coppia: nucleo familiare costituito da coniugi o da conviventi more uxorio che abbiano costituito nucleo da almeno due anni, in cui almeno uno dei due componenti non abbia superato i 35 anni alla data di presentazione della domanda di finanziamento (il requisito \u00e8 soddisfatto se non si sono compiuti 36 anni di et\u00e0);<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">b) nucleo monogenitoriale con figli minori: persona singola non coniugata, n\u00e9 convivente con l\u2019altro genitore di nessuno dei propri figli minori con s\u00e9 conviventi; persona separata, divorziata o vedova convivente con almeno un proprio figlio minore;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">c) giovane che non ha compiuto 36 anni di et\u00e0;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">d) conduttori di alloggi di propriet\u00e0 degli istituti autonomi per le case popolari comunque denominati; <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">e) persone con disabilit\u00e0 permanente accertata ai sensi dell\u2019articolo 3, comma 3, della legge 5 febbraio 1992, n. 104;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">f) componenti di un nucleo familiare al quale appartenga da almeno due anni un familiare convivente, che sia figlio o figlia ovvero fratello o sorella del richiedente, con disabilit\u00e0 permanente accertata ai sensi dell\u2019articolo 3, comma 3, della legge n. 104 del 1992.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-521cf2b elementor-widget elementor-widget-pxl_text_editor\" data-id=\"521cf2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>Il Fondo rilascia, in generale, una garanzia nella misura massima del 50% della quota capitale del mutuo richiesto facilitando cos\u00ec l\u2019accesso al credito per i richiedenti il finanziamento.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fa1036 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"5fa1036\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>Per i mutuatari di cui alla lettera e) ed f), la garanzia \u00e8 riconosciuta:<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40d6c7f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"40d6c7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">nella misura del 50 % della quota capitale del mutuo;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">nella misura dell\u201980 % della quota capitale del mutuo, qualora il richiedente abbia un indicatore della situazione economica equivalente (ISEE) non superiore a 40.000 euro annui.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d90c9af elementor-widget elementor-widget-pxl_text_editor\" data-id=\"d90c9af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>Fino al 31 dicembre 2027:<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dea266d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"dea266d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">i mutuatari, diversi da quelli di cui alla lettera e) ed f), che hanno un indicatore della situazione economica equivalente (ISEE) non superiore a 40.000 euro annui, possono ottenere una garanzia fino all\u201980% della quota capitale dei mutui richiesti nel caso in cui il rapporto tra l\u2019importo del mutuo richiesto e il prezzo d\u2019acquisto dell\u2019immobile supera l\u201980%;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">tra le categorie di mutuatari che possono accedere al Fondo sono compresi anche i cosiddetti \u201cnuclei familiari numerosi\u201d per i quali, al ricorrere di determinate condizioni, la percentuale massima di copertura pu\u00f2 arrivare fino al 90%.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c0c863 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"1c0c863\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>\u00c8 possibile presentare la domanda di accesso al Fondo direttamente alla banca aderente all\u2019iniziativa.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-934890a elementor-widget elementor-widget-pxl_text_editor\" data-id=\"934890a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span class=\"TextRun SCXW249761829 BCX0\" lang=\"IT-IT\" xml:lang=\"IT-IT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW249761829 BCX0\">Per maggiori informazioni, scaricare il modulo di accesso al Fondo e per visionare l\u2019elenco delle banche aderenti all\u2019iniziativa \u00e8 possibile consultare il sito della <a href=\"https:\/\/www.consap.it\/fondo-prima-casa\/\">Consap.<\/a><\/span><\/span><\/p>\t\t\n\t<\/div>\n<\/div>\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-6581749 e-con-full section e-flex e-con e-child\" data-id=\"6581749\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-2\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86fd64b elementor-widget elementor-widget-heading\" data-id=\"86fd64b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fondo di solidariet\u00e0 per i mutui per l'acquisto della prima casa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f18555 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"4f18555\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span class=\"TextRun SCXW137538207 BCX0\" lang=\"IT-IT\" xml:lang=\"IT-IT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW137538207 BCX0\">Il <\/span><span class=\"NormalTextRun SCXW137538207 BCX0\">Fondo di solidariet\u00e0 dei mutui per l\u2019acquisto della prima casa consente ai mutuatari di presentare alla banca che ha erogato il mutuo per l\u2019acquisto dell\u2019abitazione principale la richiesta di sospensione del pagamento dell\u2019intera rata, per complessivi 18 mesi, al verificarsi dei seguenti eventi occorsi nei <\/span><span class=\"NormalTextRun SCXW137538207 BCX0\">tre<\/span><span class=\"NormalTextRun SCXW137538207 BCX0\"> anni precedenti alla presentazione della richiesta di sospensione:<\/span><\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aeb3e07 elementor-widget elementor-widget-html\" data-id=\"aeb3e07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ol>\n  <li>perdita del posto di lavoro a tempo determinato o indeterminato o dei rapporti lavorativi di cui all\u2019art. 409 del cpc;<\/li>\n  <li>morte; <\/li>\n  <li>handicap grave o condizione di non autosufficienza;<\/li>\n  <li>sospensione del lavoro per un periodo di almeno 30 giorni; <\/li>\n  <li>riduzione dell\u2019orario di lavoro per un periodo di almeno 30 giorni. <\/li>\n<\/ol>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8879241 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"8879241\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span class=\"TextRun SCXW57365478 BCX0\" lang=\"IT-IT\" xml:lang=\"IT-IT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW57365478 BCX0\">Per gli eventi di cui alla lettera d) ed <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW57365478 BCX0\">e<\/span><span class=\"NormalTextRun SCXW57365478 BCX0\">), la durata massima della sospensione del pagamento delle rate del mutuo \u00e8 commisurata alla durata della misura di sospensione o di riduzione dell\u2019orario di lavoro:<\/span><\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c09fcd elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2c09fcd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">6 mesi, se la sospensione o la riduzione dell\u2019orario del lavoro ha una durata compresa tra 30 giorni e 150 giorni;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">12 mesi, se la sospensione o la riduzione dell\u2019orario di lavoro ha una durata compresa tra 151 e 302 giorni;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">18 mesi, se la sospensione o la riduzione dell\u2019orario di lavoro ha una durata superiore di 303 giorni.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa8bc21 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"aa8bc21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">I principali requisiti per l\u2019accesso sono, tra gli altri, un reddito ISEE non superiore a 30.000 euro e l\u2019importo di mutuo non superiore a 250.000 euro per l\u2019acquisto di un\u2019immobile non di lusso adibito ad abitazione principale.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\">\u00a0<\/span><a href=\"https:\/\/www.dt.mef.gov.it\/it\/attivita_istituzionali\/interventi_finanziari\/misure_casa\/fondo_mutui\/\"><span data-contrast=\"auto\">\u200b<\/span><\/a><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b883447 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"b883447\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">Per ulteriori approfondimenti \u00e8 possibile consultare il sito di\u202f<\/span><a href=\"https:\/\/www.consap.it\/fondo-di-sospensione-mutui-per-l-acquisto-della-prima-casa\/\"><span data-contrast=\"auto\">Consap<\/span><\/a><span data-contrast=\"auto\">\u202f<\/span><a href=\"https:\/\/www.dt.mef.gov.it\/it\/attivita_istituzionali\/interventi_finanziari\/misure_casa\/fondo_mutui\/\"><span data-contrast=\"auto\">\u200b<\/span><\/a><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a74441 elementor-widget elementor-widget-shortcode\" data-id=\"1a74441\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='w3eden'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/guida-fondo-solidarieta-mutui-prima-casa-2024\/?wpdmdl=33637&refresh=6ad1a5d68fefd1792124374\"\n              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       <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/guida-fondo-solidarieta-mutui-prima-casa-2024\/?wpdmdl=33637&refresh=6ad1a5d68fefd1792124374\">Guida Fondo Solidariet\u00e0 mutui prima casa 2024<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > \n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 1 March 2024\n              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0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/guida-fondo-solidarieta-mutui-prima-casa-2024\/\">Guida Fondo Solidariet\u00e0 mutui prima casa 2024<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 1.60 MB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 36404 downloads\n                <\/span>\n            <\/h3>\n            ...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/guida-fondo-solidarieta-mutui-prima-casa-2024\/?wpdmdl=33637&refresh=6ad1a5d68fefd1792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70c27d0 e-con-full section e-flex e-con e-child\" data-id=\"70c27d0\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-3\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6bd7526 elementor-widget elementor-widget-heading\" data-id=\"6bd7526\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Plafond casa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-971a011 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"971a011\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>ABI e CDP hanno sottoscritto il 20 novembre 2013 la convenzione \u201cPlafond Casa\u201d che disciplina le regole per l\u2019utilizzo da parte delle banche di una linea di provvista finanziaria messa a disposizione da CDP da destinare alla concessione di mutui ipotecari a condizioni di mercato a persone fisiche, per l\u2019acquisto di immobili residenziali destinati a privata abitazione e\/o per interventi di ristrutturazione con accrescimento dell\u2019efficienza energetica.<br \/>Occorre precisare che la misura non ha natura \u201cagevolativa pubblica\u201d: non \u00e8 infatti previsto un contributo pubblico che riduca il tasso di interesse applicato dalle banche sui finanziamenti erogati alla clientela n\u00e9 una garanzia da parte dello Stato (direttamente o per il tramite di CDP) a copertura del mancato rimborso del finanziamento da parte del mutuatario.<br \/>Le banche che su base volontaria aderiscono alla convenzione possono decidere tempo per tempo se attingere o meno alle risorse del \u201cPlafond Casa\u201d sulla base delle proprie autonome valutazioni, anche tenendo conto della convenienza economica della provvista CDP. In questo senso si precisa che l\u2019elenco delle banche aderenti riportato sul sito di CDP fornisce esclusivamente una indicazione aggiornata delle banche che hanno aderito all\u2019iniziativa, non specificando l\u2019eventuale attuale effettivo utilizzo delle risorse.<br \/>Le banche che intendono utilizzare le risorse del Plafond Casa devono istruire con priorit\u00e0 le domande presentate da giovani coppie, nuclei familiari di cui fa parte almeno un soggetto disabile e famiglie numerose, rispetto a tutte le richieste di mutuo eventualmente ricevute. La concessione del mutuo da parte della banca \u00e8 in ogni caso sempre subordinata alla valutazione del merito di credito del richiedente, in ottemperanza delle vigenti disposizioni legislative nazionali ed europee.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aaec603 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"aaec603\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>Sul sito di <a href=\"https:\/\/www.cdp.it\/sitointernet\/page\/it\/plafond_casa?contentId=PRD11495\" target=\"_blank\" rel=\"noopener\">CDP<\/a> sono contenute ulteriori informazioni e l\u2019elenco delle banche aderenti.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a906f51 elementor-widget elementor-widget-shortcode\" data-id=\"a906f51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='w3eden'>\n    <div class=''>\n\n        \n        <div id=\"content_wpdm_package_1\">\n            <div class='row'><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/convenzione-abi-cdp-plafond-casa\/?wpdmdl=43090&refresh=6ad1a5d69770a1792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskUnits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n                  height=\"25\"\n                >\n                  <rect\n                    x=\"15.7393\"\n                    y=\"21.3075\"\n                    width=\"24\"\n                    height=\"24\"\n                    fill=\"#D9D9D9\"\n                  \/>\n                <\/mask>\n                <g mask=\"url(#mask0_3240_9322)\">\n                  <path\n                    d=\"M27.7393 36.8845L24.2008 33.346L24.9085 32.6267L27.2393 34.9575V26.3075H28.2393V34.9575L30.57 32.6267L31.2778 33.346L27.7393 36.8845ZM22.3548 40.3075C21.8944 40.3075 21.5101 40.1533 21.2018 39.845C20.8934 39.5367 20.7393 39.1523 20.7393 38.692V36.269H21.7393V38.692C21.7393 38.846 21.8033 38.9871 21.9315 39.1152C22.0597 39.2434 22.2008 39.3075 22.3548 39.3075H33.1238C33.2778 39.3075 33.4188 39.2434 33.547 39.1152C33.6752 38.9871 33.7393 38.846 33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/convenzione-abi-cdp-plafond-casa\/?wpdmdl=43090&refresh=6ad1a5d69770a1792124374\">Convenzione ABI \u2013 CDP<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > \n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 20 November 2013\n              <\/span>\n            <\/div>\n \n            <!--...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/convenzione-abi-cdp-plafond-casa\/?wpdmdl=43090&refresh=6ad1a5d69770a1792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/convenzione-abi-cdp-plafond-casa\/\">Convenzione ABI \u2013 CDP<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 2.82 MB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 36400 downloads\n                <\/span>\n            <\/h3>\n            ...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/convenzione-abi-cdp-plafond-casa\/?wpdmdl=43090&refresh=6ad1a5d69770a1792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><\/div>            <div style='clear:both'><\/div><div class='text-center'><ul class='pagination wpdm-pagination pagination-centered text-center'><\/ul><\/div><div style='clear:both'><\/div>        <\/div>\n\n        <div style='clear:both'><\/div>\n    <\/div>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8028cf1 e-con-full section e-flex e-con e-child\" data-id=\"8028cf1\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-4\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58ed65f elementor-widget elementor-widget-heading\" data-id=\"58ed65f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Polizze su mutui e altri finanziamenti<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e54a48 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"9e54a48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>Il 30 novembre 2013 \u00e8 stato sottoscritto un protocollo di intesa tra ABI, Assofin e 14 Associazioni dei consumatori (Acu, Adiconsum, Adoc, Assoutenti, Casa del mercato, Cittadinanzattiva, Codacons, Codici, Confconsumatori, Federconsumatori, Lega consumatori, Movimento consumatori, Movimento difesa del cittadino, Unione nazionale consumatori) finalizzato a promuovere la diffusione di buone pratiche nell\u2019offerta ai consumatori di polizze assicurative facoltative, ramo vita o miste \u2013 cio\u00e8 che prevedono sia il ramo vita che il ramo danni \u2013 accessorie ai mutui e agli altri finanziamenti.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe60887 elementor-widget elementor-widget-shortcode\" data-id=\"fe60887\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='w3eden'>\n    <div class=''>\n\n        \n        <div id=\"content_wpdm_package_2\">\n            <div class='row'><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-polizze-su-mutui-e-altri-finanziamenti\/?wpdmdl=43103&refresh=6ad1a5d69d6831792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskUnits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n                  height=\"25\"\n                >\n                  <rect\n                    x=\"15.7393\"\n                    y=\"21.3075\"\n                    width=\"24\"\n                    height=\"24\"\n                    fill=\"#D9D9D9\"\n                  \/>\n                <\/mask>\n                <g mask=\"url(#mask0_3240_9322)\">\n                  <path\n                    d=\"M27.7393 36.8845L24.2008 33.346L24.9085 32.6267L27.2393 34.9575V26.3075H28.2393V34.9575L30.57 32.6267L31.2778 33.346L27.7393 36.8845ZM22.3548 40.3075C21.8944 40.3075 21.5101 40.1533 21.2018 39.845C20.8934 39.5367 20.7393 39.1523 20.7393 38.692V36.269H21.7393V38.692C21.7393 38.846 21.8033 38.9871 21.9315 39.1152C22.0597 39.2434 22.2008 39.3075 22.3548 39.3075H33.1238C33.2778 39.3075 33.4188 39.2434 33.547 39.1152C33.6752 38.9871 33.7393 38.846 33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-polizze-su-mutui-e-altri-finanziamenti\/?wpdmdl=43103&refresh=6ad1a5d69d6831792124374\">Banche aderenti<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > \n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 15 April 2025\n              <\/span>\n            <\/div>\n \n            <!--...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-polizze-su-mutui-e-altri-finanziamenti\/?wpdmdl=43103&refresh=6ad1a5d69d6831792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-polizze-su-mutui-e-altri-finanziamenti\/\">Banche aderenti<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 79.86 KB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 33301 downloads\n                <\/span>\n            <\/h3>\n            ...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-polizze-su-mutui-e-altri-finanziamenti\/?wpdmdl=43103&refresh=6ad1a5d69d6831792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><\/div>            <div style='clear:both'><\/div><div class='text-center'><ul class='pagination wpdm-pagination pagination-centered text-center'><\/ul><\/div><div style='clear:both'><\/div>        <\/div>\n\n        <div style='clear:both'><\/div>\n    <\/div>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-51e95d6 section e-flex e-con-boxed e-con e-child\" data-id=\"51e95d6\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-5\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12f3966 elementor-widget elementor-widget-heading\" data-id=\"12f3966\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pillole video sui \"mutui casa\"<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a1b44b elementor-widget elementor-widget-pxl_text_editor\" data-id=\"1a1b44b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">Pillole video per dare informazioni \u201csemplici e dirette\u201d sui mutui casa. \u00c8 il percorso formativo e informativo lanciato dall\u2019ABI per chi vuole acquistare casa e per chi \u00e8 gi\u00e0 titolare di un mutuo.<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ea0902 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"1ea0902\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">L\u2019iniziativa di sensibilizzazione si inserisce nell\u2019ambito del Progetto \u2018Trasparenza Semplice\u2019, avviato da ABI con le Associazioni dei Consumatori per promuovere attivit\u00e0 destinate a favorire una pi\u00f9 efficace semplificazione e accessibilit\u00e0 delle informazioni, a supporto del dialogo tra banche e clienti.<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a47fdd4 e-grid e-con-full e-con e-child\" data-id=\"a47fdd4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8aaaac6 elementor-widget elementor-widget-video\" data-id=\"8aaaac6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=6Qh13jbmuzU&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1426de7 elementor-widget elementor-widget-video\" data-id=\"1426de7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=ax9NFwLF7h0&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\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 class=\"elementor-element elementor-element-600cf45 elementor-mobile_extra-align-center elementor-align-left elementor-widget elementor-widget-button\" data-id=\"600cf45\" data-element_type=\"widget\" data-e-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:\/\/www.youtube.com\/@AssBancariaItaliana\/search?query=mutui\" target=\"_blank\">\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\">Approfondisci<\/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<div class=\"elementor-element elementor-element-843df72 elementor-widget elementor-widget-spacer\" data-id=\"843df72\" data-element_type=\"widget\" data-e-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<div class=\"elementor-element elementor-element-912d276 section e-flex e-con-boxed e-con e-child\" data-id=\"912d276\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-6\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d7026bc elementor-widget elementor-widget-heading\" data-id=\"d7026bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fondo per il credito ai giovani (c.d. \u201cFondo per lo studio\u201d) <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8aacd59 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"8aacd59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>Il \u201cFondo per il credito ai giovani\u201d (c.d. \u201cFondo per lo studio\u201d), istituito presso il Dipartimento per le politiche giovanili e il servizio civile universale della Presidenza del Consiglio dei Ministri e gestito da <a href=\"https:\/\/www.consap.it\/fondo-per-lo-studio\/\" target=\"_blank\" rel=\"noopener\">Consap<\/a>,\u00a0ha l\u2019obiettivo di offrire le garanzie necessarie per favorire l\u2019accesso al credito da parte degli studenti meritevoli regolarmente iscritti ad un corso di Laurea\/Master\/Scuola di specializzazione, dottorato, corso di lingue o ad un percorso degli Istituti Tecnologici Superiori (ITS Academy).<\/p><p>Possono presentare domanda di accesso al finanziamento i soggetti che abbiano un\u2019et\u00e0 compresa tra i 18 e i 40 anni. La garanzia del Fondo \u2013 controgarantito dallo Stato &#8211; \u00e8 concessa nella misura del 70% del prestito che viene erogato in tranche annuali di pari importo non superiori a 15.000 euro, per un ammontare massimo di\u202f50.000 euro, che pu\u00f2 arrivare fino a 70.000 euro nel caso di percorsi di studio all&#8217;estero, fermo restando i requisiti previsti dalla normativa stessa.<\/p><p>In attuazione di quanto previsto dal <a href=\"https:\/\/www.gazzettaufficiale.it\/atto\/serie_generale\/caricaDettaglioAtto\/originario?atto.dataPubblicazioneGazzetta=2026-01-24&amp;atto.codiceRedazionale=26A00314&amp;elenco30giorni=true\" target=\"_blank\" rel=\"noopener\">Decreto interministeriale del 17 novembre 2025<\/a> recante la nuova disciplina del Fondo, il Ministro per lo sport e i giovani e l&#8217;ABI hanno sottoscritto un <a href=\"https:\/\/www.abi.it\/wp-content\/uploads\/2026\/02\/ALL_Protocollo-dIntesa-ABI-Ministro-pulito.pdf\" target=\"_blank\" rel=\"noopener\">Protocollo d&#8217;Intesa<\/a>, in data 11 febbraio 2026, che riporta in allegato lo schema di Convenzione tra il Dipartimento per le politiche giovanili e il servizio civile universale e i soggetti finanziatori che intendono volontariamente aderire all\u2019iniziativa.<\/p><p>\u00a0<\/p><p>Per maggiori informazioni e\u00a0per visionare\u00a0l\u2019elenco delle banche aderenti\u00a0all\u2019iniziativa\u00a0\u00e8 possibile consultare il sito della Consap \u00a0&#8211; <a href=\"https:\/\/eur02.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.consap.it%2Ffondostudio%2F&amp;data=05%7C02%7Cd.dallagnola%40abi.it%7Cffe8029c5677498e470a08deb5b0eccf%7Cb4fa40cc86e445c38c3bda5bd30219f6%7C0%7C0%7C639147968750378083%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=JkOwNdtPFLeVToZro1xX2rrhrshIY31diLjbUclAx%2BE%3D&amp;reserved=0\">https:\/\/www.consap.it\/fondostudio\/<\/a><\/p>\t\t\n\t<\/div>\n<\/div>\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-f816f7a section e-flex e-con-boxed e-con e-child\" data-id=\"f816f7a\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-7\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-281eafd elementor-widget elementor-widget-heading\" data-id=\"281eafd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Calamit\u00e0 naturali<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9cbacf elementor-widget elementor-widget-pxl_text_editor\" data-id=\"a9cbacf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span class=\"TextRun SCXW87213007 BCX0\" lang=\"IT-IT\" xml:lang=\"IT-IT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW87213007 BCX0\">Interventi finalizzati a sostenere il credito alle famiglie colpite da eventi sismici, da altre calamit\u00e0 naturali o da emergenze sanitarie.<\/span><\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8903b21 elementor-widget elementor-widget-n-accordion\" data-id=\"8903b21\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1430\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1430\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Accordo con la Protezione Civile <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1430\" class=\"elementor-element elementor-element-63d23c8 e-con-full e-flex e-con e-child\" data-id=\"63d23c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8e8864 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"c8e8864\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span class=\"TextRun SCXW66552096 BCX0\" lang=\"IT-IT\" xml:lang=\"IT-IT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW66552096 BCX0\">Con l\u2019obiettivo di sostenere<\/span> <span class=\"NormalTextRun SCXW66552096 BCX0\">le <\/span><span class=\"NormalTextRun SCXW66552096 BCX0\">famiglie <\/span><span class=\"NormalTextRun SCXW66552096 BCX0\">colpite da eventi calamitosi, il 26 ottobre 2015 ABI <\/span><span class=\"NormalTextRun SCXW66552096 BCX0\">ha firmato <\/span><span class=\"NormalTextRun SCXW66552096 BCX0\">con il Dipartimento della Protezione Civile presso la Presidenza del <\/span><span class=\"NormalTextRun AdvancedProofingIssueV2Themed SCXW66552096 BCX0\">Consiglio dei Ministri<\/span><span class=\"NormalTextRun SCXW66552096 BCX0\"> e 14 Associazioni dei Consumatori un Protocollo d\u2018Intesa per favorire la sospensione del pagamento delle rate dei mutui con i seguenti obiettivi:<\/span><\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1844eb6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1844eb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">evitare incertezze interpretative ed operative nell\u2019attuazione delle misure da adottare, assicurando al contempo la massima efficacia, rapidit\u00e0 e trasparenza nell\u2019intervento di sospensione dei finanziamenti;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">chiarire gli adempimenti a carico delle banche e dei consumatori;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">assicurare equit\u00e0 di trattamento per le popolazioni colpite da calamit\u00e0 naturali;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">impegnare i soggetti finanziatori e le Associazioni dei Consumatori nel promuovere campagne informative sulla possibilit\u00e0 di sospendere i finanziamenti nonch\u00e9 sulle modalit\u00e0, termini e costi di sospensione.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1431\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1431\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Plafond Alluvione Maggio 2023 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1431\" class=\"elementor-element elementor-element-5829fd1 e-con-full e-flex e-con e-child\" data-id=\"5829fd1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-622ba04 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"622ba04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">ABI e CDP hanno sottoscritto la convenzione \u201cPlafond Alluvione Maggio 2023\u201d che disciplina le regole per la concessione di finanziamenti agevolati, garantiti dallo Stato, per la ricostruzione dei territori delle regioni Emilia-Romagna, Toscana e Marche danneggiati dagli eventi alluvionali verificatisi a partire dal 1\u00b0 maggio 2023, in attuazione dell\u2019art. 1, commi 436 e seguenti, della L.\u00a0 n. 213\/2023 (Legge di bilancio 2024).<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5e0493 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"a5e0493\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">L<\/span><span data-contrast=\"auto\">\u2019agevolazione pubblica consiste nel riconoscimento al beneficiario di un credito d\u2019imposta, che viene utilizzato da quest\u2019ultimo per corrispondere alla banca le rate di rimborso del finanziamento (per quota capitale e interessi) e le spese strettamente necessarie alla sua gestione.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4142f10 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"4142f10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">I soggetti che intendono accedere al finanziamento agevolato devono essere autorizzati dalle Amministrazioni pubbliche competenti con specifici provvedimenti.<\/span><\/p><p>\u00a0<\/p><p><a href=\"https:\/\/www.abi.it\/wp-content\/uploads\/2026\/06\/Addendum-CDP-ABI-Plafond-Alluvione-1.pdf\" target=\"_blank\" rel=\"noopener\">Addendum alla Convenzione ABI-CDP<\/a><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5693a6 elementor-widget elementor-widget-shortcode\" data-id=\"d5693a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='w3eden'>\n    <div class=''>\n\n        \n        <div id=\"content_wpdm_package_3\">\n            <div 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39.3075H33.1238C33.2778 39.3075 33.4188 39.2434 33.547 39.1152C33.6752 38.9871 33.7393 38.846 33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-2\/?wpdmdl=28890&refresh=6ad1a5d6a96421792124374\">Banche aderenti<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > \n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 8 October 2026\n              <\/span>\n            <\/div>\n \n            <!--...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-2\/?wpdmdl=28890&refresh=6ad1a5d6a96421792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-2\/\">Banche aderenti<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 425 KB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 47797 downloads\n                <\/span>\n            <\/h3>\n            ...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-2\/?wpdmdl=28890&refresh=6ad1a5d6a96421792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/testo-della-convenzione-cdp-abi-24-giugno-2024\/?wpdmdl=27923&refresh=6ad1a5d6ad20e1792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskUnits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n                  height=\"25\"\n                >\n                  <rect\n                    x=\"15.7393\"\n                    y=\"21.3075\"\n                    width=\"24\"\n                    height=\"24\"\n                    fill=\"#D9D9D9\"\n                  \/>\n                <\/mask>\n                <g mask=\"url(#mask0_3240_9322)\">\n                  <path\n                    d=\"M27.7393 36.8845L24.2008 33.346L24.9085 32.6267L27.2393 34.9575V26.3075H28.2393V34.9575L30.57 32.6267L31.2778 33.346L27.7393 36.8845ZM22.3548 40.3075C21.8944 40.3075 21.5101 40.1533 21.2018 39.845C20.8934 39.5367 20.7393 39.1523 20.7393 38.692V36.269H21.7393V38.692C21.7393 38.846 21.8033 38.9871 21.9315 39.1152C22.0597 39.2434 22.2008 39.3075 22.3548 39.3075H33.1238C33.2778 39.3075 33.4188 39.2434 33.547 39.1152C33.6752 38.9871 33.7393 38.846 33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/testo-della-convenzione-cdp-abi-24-giugno-2024\/?wpdmdl=27923&refresh=6ad1a5d6ad20e1792124374\">Testo della Convenzione CDP-ABI 24 giugno 2024<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > <p>Coordinata con le modifiche introdotte dalla Comunicazione del 21 ottobre 2024<\/p>\n\n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 17 June 2026\n              <\/span>\n            <\/div>\n \n            <!--Coordinata con le modifiche introdotte dalla Comunicazione del 21 ottobre 2024\n...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/testo-della-convenzione-cdp-abi-24-giugno-2024\/?wpdmdl=27923&refresh=6ad1a5d6ad20e1792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/testo-della-convenzione-cdp-abi-24-giugno-2024\/\">Testo della Convenzione CDP-ABI 24 giugno 2024<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 665.26 KB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 46369 downloads\n                <\/span>\n            <\/h3>\n            Coordinata con le modifiche introdotte dalla Comunicazione del 21 ottobre 2024\n...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/testo-della-convenzione-cdp-abi-24-giugno-2024\/?wpdmdl=27923&refresh=6ad1a5d6ad20e1792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><\/div>            <div style='clear:both'><\/div><div class='text-center'><ul class='pagination wpdm-pagination pagination-centered text-center'><\/ul><\/div><div style='clear:both'><\/div>        <\/div>\n\n        <div style='clear:both'><\/div>\n    <\/div>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1432\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1432\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Plafond Ricostruzione Sisma 2012 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1432\" class=\"elementor-element elementor-element-83abfe2 e-con-full e-flex e-con e-child\" data-id=\"83abfe2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b4edcf elementor-widget elementor-widget-pxl_text_editor\" data-id=\"2b4edcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">ABI e CDP hanno sottoscritto la convenzione \u201cPlafond Ricostruzione Sisma 2012\u201d che disciplina le regole per la concessione di finanziamenti agevolati, garantiti dallo Stato, per la ricostruzione dei territori delle regioni Emilia-Romagna, Lombardia e Veneto danneggiati dagli eventi sismici del 2012, in attuazione dell\u2019art. 3-bis del DL n. 95\/2012.<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4e54ab elementor-widget elementor-widget-pxl_text_editor\" data-id=\"f4e54ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">L<\/span><span data-contrast=\"auto\">\u2019agevolazione pubblica consiste nel riconoscimento al beneficiario di un credito d\u2019imposta, che viene utilizzato da quest\u2019ultimo per corrispondere alla banca le rate di rimborso del finanziamento (per quota capitale e interessi) e le spese strettamente necessarie alla sua gestione.<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b4735e elementor-widget elementor-widget-pxl_text_editor\" data-id=\"2b4735e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">I soggetti che intendono accedere al finanziamento agevolato devono essere autorizzati dalle Amministrazioni pubbliche competenti con specifici provvedimenti.<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af08a4e elementor-widget elementor-widget-shortcode\" data-id=\"af08a4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='w3eden'>\n    <div class=''>\n\n        \n        <div id=\"content_wpdm_package_4\">\n            <div class='row'><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/convenzione-plafond-ricostruzione-sisma-2012\/?wpdmdl=29057&refresh=6ad1a5d6b531f1792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskUnits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n                  height=\"25\"\n                >\n                  <rect\n                    x=\"15.7393\"\n                    y=\"21.3075\"\n                    width=\"24\"\n                    height=\"24\"\n                    fill=\"#D9D9D9\"\n                  \/>\n                <\/mask>\n                <g mask=\"url(#mask0_3240_9322)\">\n                  <path\n                    d=\"M27.7393 36.8845L24.2008 33.346L24.9085 32.6267L27.2393 34.9575V26.3075H28.2393V34.9575L30.57 32.6267L31.2778 33.346L27.7393 36.8845ZM22.3548 40.3075C21.8944 40.3075 21.5101 40.1533 21.2018 39.845C20.8934 39.5367 20.7393 39.1523 20.7393 38.692V36.269H21.7393V38.692C21.7393 38.846 21.8033 38.9871 21.9315 39.1152C22.0597 39.2434 22.2008 39.3075 22.3548 39.3075H33.1238C33.2778 39.3075 33.4188 39.2434 33.547 39.1152C33.6752 38.9871 33.7393 38.846 33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/convenzione-plafond-ricostruzione-sisma-2012\/?wpdmdl=29057&refresh=6ad1a5d6b531f1792124374\">Convenzione plafond ricostruzione sisma 2012<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > \n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 16 July 2025\n              <\/span>\n            <\/div>\n \n            <!--...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/convenzione-plafond-ricostruzione-sisma-2012\/?wpdmdl=29057&refresh=6ad1a5d6b531f1792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/convenzione-plafond-ricostruzione-sisma-2012\/\">Convenzione plafond ricostruzione sisma 2012<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 1.44 MB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 46786 downloads\n                <\/span>\n            <\/h3>\n            ...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/convenzione-plafond-ricostruzione-sisma-2012\/?wpdmdl=29057&refresh=6ad1a5d6b531f1792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/addendum-2025-cdp-abi\/?wpdmdl=49220&refresh=6ad1a5d6b87fe1792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskUnits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n                  height=\"25\"\n                >\n                  <rect\n                    x=\"15.7393\"\n                    y=\"21.3075\"\n                    width=\"24\"\n                    height=\"24\"\n                    fill=\"#D9D9D9\"\n                  \/>\n                <\/mask>\n                <g mask=\"url(#mask0_3240_9322)\">\n                  <path\n                    d=\"M27.7393 36.8845L24.2008 33.346L24.9085 32.6267L27.2393 34.9575V26.3075H28.2393V34.9575L30.57 32.6267L31.2778 33.346L27.7393 36.8845ZM22.3548 40.3075C21.8944 40.3075 21.5101 40.1533 21.2018 39.845C20.8934 39.5367 20.7393 39.1523 20.7393 38.692V36.269H21.7393V38.692C21.7393 38.846 21.8033 38.9871 21.9315 39.1152C22.0597 39.2434 22.2008 39.3075 22.3548 39.3075H33.1238C33.2778 39.3075 33.4188 39.2434 33.547 39.1152C33.6752 38.9871 33.7393 38.846 33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/addendum-2025-cdp-abi\/?wpdmdl=49220&refresh=6ad1a5d6b87fe1792124374\">Addendum 2025 CDP-ABI<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > \n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 10 July 2025\n              <\/span>\n            <\/div>\n \n            <!--...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/addendum-2025-cdp-abi\/?wpdmdl=49220&refresh=6ad1a5d6b87fe1792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/addendum-2025-cdp-abi\/\">Addendum 2025 CDP-ABI<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 1.29 MB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 50263 downloads\n                <\/span>\n            <\/h3>\n            ...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/addendum-2025-cdp-abi\/?wpdmdl=49220&refresh=6ad1a5d6b87fe1792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-3\/?wpdmdl=28910&refresh=6ad1a5d6bba721792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskUnits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n                  height=\"25\"\n                >\n                  <rect\n                    x=\"15.7393\"\n                    y=\"21.3075\"\n                    width=\"24\"\n                    height=\"24\"\n                    fill=\"#D9D9D9\"\n                  \/>\n                <\/mask>\n                <g mask=\"url(#mask0_3240_9322)\">\n                  <path\n                    d=\"M27.7393 36.8845L24.2008 33.346L24.9085 32.6267L27.2393 34.9575V26.3075H28.2393V34.9575L30.57 32.6267L31.2778 33.346L27.7393 36.8845ZM22.3548 40.3075C21.8944 40.3075 21.5101 40.1533 21.2018 39.845C20.8934 39.5367 20.7393 39.1523 20.7393 38.692V36.269H21.7393V38.692C21.7393 38.846 21.8033 38.9871 21.9315 39.1152C22.0597 39.2434 22.2008 39.3075 22.3548 39.3075H33.1238C33.2778 39.3075 33.4188 39.2434 33.547 39.1152C33.6752 38.9871 33.7393 38.846 33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-3\/?wpdmdl=28910&refresh=6ad1a5d6bba721792124374\">Banche aderenti<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > \n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 25 January 2023\n              <\/span>\n            <\/div>\n \n            <!--...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-3\/?wpdmdl=28910&refresh=6ad1a5d6bba721792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-3\/\">Banche aderenti<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 159 KB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 46787 downloads\n                <\/span>\n            <\/h3>\n            ...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-3\/?wpdmdl=28910&refresh=6ad1a5d6bba721792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><\/div>            <div style='clear:both'><\/div><div class='text-center'><ul class='pagination wpdm-pagination pagination-centered text-center'><\/ul><\/div><div style='clear:both'><\/div>        <\/div>\n\n        <div style='clear:both'><\/div>\n    <\/div>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1433\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1433\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Plafond Sisma Centro Italia <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1433\" class=\"elementor-element elementor-element-c84afe9 e-con-full e-flex e-con e-child\" data-id=\"c84afe9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf2d555 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"cf2d555\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">ABI e CDP hanno sottoscritto la convenzione \u201cPlafond Sisma Centro Italia\u201d che disciplina le regole per la concessione di finanziamenti agevolati, garantiti dallo Stato, per la ricostruzione dei territori delle regioni Abruzzo, Lazio, Marche e Umbria danneggiati dagli eventi sismici del 2016, in attuazione dell\u2019art. 5 del DL n. 189\/2016<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc6081f elementor-widget elementor-widget-pxl_text_editor\" data-id=\"fc6081f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-contrast=\"auto\">L<\/span><span data-contrast=\"auto\">\u2019agevolazione pubblica consiste nel riconoscimento al beneficiario di un credito d\u2019imposta, che viene utilizzato da quest\u2019ultimo per corrispondere alla banca le rate di rimborso del finanziamento (per quota capitale e interessi) e le spese strettamente necessarie alla sua gestione.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d459c7c elementor-widget elementor-widget-pxl_text_editor\" data-id=\"d459c7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">I soggetti che intendono accedere al finanziamento agevolato devono essere autorizzati dalle Amministrazioni pubbliche competenti con specifici provvedimenti.<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8d14dc elementor-widget elementor-widget-shortcode\" data-id=\"c8d14dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='w3eden'>\n    <div class=''>\n\n        \n        <div id=\"content_wpdm_package_5\">\n            <div class='row'><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/convenzione-plafond-sisma-centro-italia\/?wpdmdl=29056&refresh=6ad1a5d6c28b21792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskUnits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n                  height=\"25\"\n                >\n                  <rect\n                    x=\"15.7393\"\n                    y=\"21.3075\"\n                    width=\"24\"\n                    height=\"24\"\n                    fill=\"#D9D9D9\"\n                  \/>\n                <\/mask>\n                <g mask=\"url(#mask0_3240_9322)\">\n                  <path\n                    d=\"M27.7393 36.8845L24.2008 33.346L24.9085 32.6267L27.2393 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style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/convenzione-plafond-sisma-centro-italia\/?wpdmdl=29056&refresh=6ad1a5d6c28b21792124374\">Convenzione plafond sisma centro Italia<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > \n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 21 January 2025\n              <\/span>\n            <\/div>\n \n            <!--...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/convenzione-plafond-sisma-centro-italia\/?wpdmdl=29056&refresh=6ad1a5d6c28b21792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/convenzione-plafond-sisma-centro-italia\/\">Convenzione plafond sisma centro Italia<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 2.80 MB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 47296 downloads\n                <\/span>\n            <\/h3>\n            ...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/convenzione-plafond-sisma-centro-italia\/?wpdmdl=29056&refresh=6ad1a5d6c28b21792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti\/?wpdmdl=28916&refresh=6ad1a5d6c5bc31792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: 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33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti\/?wpdmdl=28916&refresh=6ad1a5d6c5bc31792124374\">Banche aderenti<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > \n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 21 November 2023\n              <\/span>\n            <\/div>\n \n            <!--...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti\/?wpdmdl=28916&refresh=6ad1a5d6c5bc31792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti\/\">Banche aderenti<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 74 KB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 48568 downloads\n                <\/span>\n            <\/h3>\n            ...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti\/?wpdmdl=28916&refresh=6ad1a5d6c5bc31792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><\/div>            <div style='clear:both'><\/div><div class='text-center'><ul class='pagination wpdm-pagination pagination-centered text-center'><\/ul><\/div><div style='clear:both'><\/div>        <\/div>\n\n        <div style='clear:both'><\/div>\n    <\/div>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1434\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1434\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Plafond Eventi Calamitosi <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1434\" class=\"elementor-element elementor-element-5d3de68 e-con-full e-flex e-con e-child\" data-id=\"5d3de68\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9e448b elementor-widget elementor-widget-pxl_text_editor\" data-id=\"c9e448b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">ABI e CDP hanno sottoscritto la convenzione \u201cPlafond Eventi Calamitosi\u201d che disciplina le regole per la concessione di finanziamenti agevolati, garantiti dallo Stato, per far fronte ai danni occorsi al patrimonio privato ed alle attivit\u00e0 economiche e produttive, a seguito di una serie di eventi calamitosi verificatisi in Italia a decorrere dal marzo 2013, in attuazione dell\u2019art. 1, commi 422 e seguenti della L. n. 208\/2015 (Legge di Bilancio 2016).<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-630e3fe elementor-widget elementor-widget-pxl_text_editor\" data-id=\"630e3fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">L<\/span><span data-contrast=\"auto\">\u2019agevolazione pubblica consiste nel riconoscimento al beneficiario di un credito d\u2019imposta, che viene utilizzato da quest\u2019ultimo per corrispondere alla banca le rate di rimborso del finanziamento (per quota capitale e interessi) e le spese strettamente necessarie alla sua gestione.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c4d99c elementor-widget elementor-widget-pxl_text_editor\" data-id=\"4c4d99c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">I soggetti che intendono accedere al finanziamento agevolato devono essere autorizzati dalle Amministrazioni pubbliche competenti con specifici provvedimenti.<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-405106d elementor-widget elementor-widget-shortcode\" data-id=\"405106d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='w3eden'>\n    <div class=''>\n\n        \n        <div id=\"content_wpdm_package_6\">\n            <div class='row'><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/plafond-eventi-calamitosi\/?wpdmdl=26702&refresh=6ad1a5d6ce26c1792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskUnits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n    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          fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/plafond-eventi-calamitosi\/?wpdmdl=26702&refresh=6ad1a5d6ce26c1792124374\">Plafond eventi calamitosi - Convenzione<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > <p>Convenzione ABI-Cdp del 1 aprile 2025<\/p>\n\n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 2 April 2025\n              <\/span>\n            <\/div>\n \n            <!--Convenzione ABI-Cdp del 1 aprile 2025\n...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/plafond-eventi-calamitosi\/?wpdmdl=26702&refresh=6ad1a5d6ce26c1792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/plafond-eventi-calamitosi\/\">Plafond eventi calamitosi - Convenzione<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 1 MB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 47098 downloads\n                <\/span>\n            <\/h3>\n            Convenzione ABI-Cdp del 1 aprile 2025\n...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/plafond-eventi-calamitosi\/?wpdmdl=26702&refresh=6ad1a5d6ce26c1792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/plafond-eventi-calamitosi-2\/?wpdmdl=43083&refresh=6ad1a5d6d149f1792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskUnits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n                  height=\"25\"\n                >\n                  <rect\n                    x=\"15.7393\"\n                    y=\"21.3075\"\n                    width=\"24\"\n                    height=\"24\"\n                    fill=\"#D9D9D9\"\n                  \/>\n                <\/mask>\n                <g mask=\"url(#mask0_3240_9322)\">\n                  <path\n                    d=\"M27.7393 36.8845L24.2008 33.346L24.9085 32.6267L27.2393 34.9575V26.3075H28.2393V34.9575L30.57 32.6267L31.2778 33.346L27.7393 36.8845ZM22.3548 40.3075C21.8944 40.3075 21.5101 40.1533 21.2018 39.845C20.8934 39.5367 20.7393 39.1523 20.7393 38.692V36.269H21.7393V38.692C21.7393 38.846 21.8033 38.9871 21.9315 39.1152C22.0597 39.2434 22.2008 39.3075 22.3548 39.3075H33.1238C33.2778 39.3075 33.4188 39.2434 33.547 39.1152C33.6752 38.9871 33.7393 38.846 33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/plafond-eventi-calamitosi-2\/?wpdmdl=43083&refresh=6ad1a5d6d149f1792124374\">Plafond eventi calamitosi - Addendum<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > <p>Addendum alla Convenzione \"Plafond eventi calamitosi\" del 1 aprile 2025<\/p>\n\n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 2 April 2025\n              <\/span>\n            <\/div>\n \n            <!--Addendum alla Convenzione \"Plafond eventi calamitosi\" del 1 aprile 2025\n...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/plafond-eventi-calamitosi-2\/?wpdmdl=43083&refresh=6ad1a5d6d149f1792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/plafond-eventi-calamitosi-2\/\">Plafond eventi calamitosi - Addendum<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 1 MB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 47036 downloads\n                <\/span>\n            <\/h3>\n            Addendum alla Convenzione \"Plafond eventi calamitosi\" del 1 aprile 2025\n...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/plafond-eventi-calamitosi-2\/?wpdmdl=43083&refresh=6ad1a5d6d149f1792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-4\/?wpdmdl=28920&refresh=6ad1a5d6d48781792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  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20.7393 39.1523 20.7393 38.692V36.269H21.7393V38.692C21.7393 38.846 21.8033 38.9871 21.9315 39.1152C22.0597 39.2434 22.2008 39.3075 22.3548 39.3075H33.1238C33.2778 39.3075 33.4188 39.2434 33.547 39.1152C33.6752 38.9871 33.7393 38.846 33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-4\/?wpdmdl=28920&refresh=6ad1a5d6d48781792124374\">Banche aderenti<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > \n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 18 September 2024\n              <\/span>\n            <\/div>\n \n            <!--...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-4\/?wpdmdl=28920&refresh=6ad1a5d6d48781792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-4\/\">Banche aderenti<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 80 KB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 46676 downloads\n                <\/span>\n            <\/h3>\n            ...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-4\/?wpdmdl=28920&refresh=6ad1a5d6d48781792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><\/div>            <div style='clear:both'><\/div><div class='text-center'><ul class='pagination wpdm-pagination pagination-centered text-center'><\/ul><\/div><div style='clear:both'><\/div>        <\/div>\n\n        <div style='clear:both'><\/div>\n    <\/div>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\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-d387597 section e-flex e-con-boxed e-con e-child\" data-id=\"d387597\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-8\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a7f484 elementor-widget elementor-widget-heading\" data-id=\"9a7f484\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Linee guida valutazioni immobiliari<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0f77f3 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"d0f77f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span class=\"TextRun SCXW136599937 BCX0\" lang=\"IT-IT\" xml:lang=\"IT-IT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW136599937 BCX0\">Le Linee Guida per la valutazione degli immobili in garanzia delle esposizioni creditizie riportano una serie di principi, regole e procedure per la valutazione degli immobili a garanzia delle esposizioni creditizie nell\u2019ottica di promuovere la trasparenza e la correttezza nelle procedure di stima degli immobili.<\/span><\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93aa45b elementor-widget elementor-widget-pxl_text_editor\" data-id=\"93aa45b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span class=\"TextRun SCXW78754205 BCX0\" lang=\"IT-IT\" xml:lang=\"IT-IT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW78754205 BCX0\">Sono state elaborate d\u2019intesa con <\/span><span class=\"NormalTextRun SCXW78754205 BCX0\">l\u2019Associazione delle Societ\u00e0 di Valutazioni Immobiliari \u2013 <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW78754205 BCX0\">Assovib<\/span><span class=\"NormalTextRun SCXW78754205 BCX0\">, il Collegio Nazionale degli Agrotecnici e degli Agrotecnici Laureati, il Collegio Nazionale dei Periti Agrari e dei Periti Agrari Laureati, il Consiglio Nazionale degli Architetti Pianificatori Paesaggisti e Conservatori, il Consiglio dell\u2019Ordine Nazionale dei Dottori Agronomi e Dottori Forestali, il Consiglio Nazionale Geometri e Geometri Laureati, il Consiglio Nazionale degli Ingegneri, il Consiglio Nazionale dei Periti Industriali e dei Periti Industriali Laureati e Tecnoborsa (Organizzazione del Sistema delle Camere di Commercio per lo sviluppo e la regolazione dell\u2019Economia immobiliare) \u2013 parti firmatarie del Protocollo d\u2019Intesa per lo sviluppo del mercato delle valutazioni immobiliari, sottoscritto a Roma il 25 novembre 2010 \u2013 con la collaborazione di Assoimmobiliare, Confedilizia, <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW78754205 BCX0\">Fiabci<\/span><span class=\"NormalTextRun SCXW78754205 BCX0\">-Italia (International Real Estate Federation), l\u2019Istituto Italiano di Valutazione Immobiliare \u2013 <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW78754205 BCX0\">Isivi<\/span><span class=\"NormalTextRun SCXW78754205 BCX0\">, la Royal Institution of <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW78754205 BCX0\">Chartered<\/span> <span class=\"NormalTextRun SpellingErrorV2Themed SCXW78754205 BCX0\">Surveyors<\/span><span class=\"NormalTextRun SCXW78754205 BCX0\"> \u2013 Rics e l\u2019<\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW78754205 BCX0\">European<\/span><span class=\"NormalTextRun SCXW78754205 BCX0\"> Group of <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW78754205 BCX0\">Valuers<\/span><span class=\"NormalTextRun SCXW78754205 BCX0\">\u2019 <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW78754205 BCX0\">Associations<\/span><span class=\"NormalTextRun SCXW78754205 BCX0\"> \u2013<\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW78754205 BCX0\">Tegova<\/span><\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-696f0c5 elementor-widget elementor-widget-shortcode\" data-id=\"696f0c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='w3eden'>\n    <div class=''>\n\n        \n        <div id=\"content_wpdm_package_7\">\n            <div class='row'><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/linee-guida-per-la-valutazione-degli-immobili-in-garanzia-delle-esposizioni-creditizie\/?wpdmdl=29018&refresh=6ad1a5d6db8251792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                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 \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/linee-guida-per-la-valutazione-degli-immobili-in-garanzia-delle-esposizioni-creditizie\/?wpdmdl=29018&refresh=6ad1a5d6db8251792124374\">Linee guida per la valutazione degli immobili in garanzia delle esposizioni creditizie<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > \n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 6 December 2024\n              <\/span>\n            <\/div>\n \n            <!--...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/linee-guida-per-la-valutazione-degli-immobili-in-garanzia-delle-esposizioni-creditizie\/?wpdmdl=29018&refresh=6ad1a5d6db8251792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        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href=\"https:\/\/www.abi.it\/en\/download\/linee-guida-per-la-valutazione-degli-immobili-in-garanzia-delle-esposizioni-creditizie\/\">Linee guida per la valutazione degli immobili in garanzia delle esposizioni creditizie<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 1.71 MB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 40337 downloads\n                <\/span>\n            <\/h3>\n            ...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/linee-guida-per-la-valutazione-degli-immobili-in-garanzia-delle-esposizioni-creditizie\/?wpdmdl=29018&refresh=6ad1a5d6db8251792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><\/div>            <div style='clear:both'><\/div><div class='text-center'><ul class='pagination wpdm-pagination pagination-centered text-center'><\/ul><\/div><div style='clear:both'><\/div>        <\/div>\n\n        <div style='clear:both'><\/div>\n    <\/div>\n<\/div>\n<\/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-0b12458 section e-flex e-con-boxed e-con e-child\" data-id=\"0b12458\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-9\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16e2e05 elementor-widget elementor-widget-heading\" data-id=\"16e2e05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Linee guida valutazioni degli immobili a garanzia dei crediti inesegibili<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be2bf54 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"be2bf54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span class=\"TextRun SCXW152926477 BCX0\" lang=\"IT-IT\" xml:lang=\"IT-IT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW152926477 BCX0\">ABI, <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW152926477 BCX0\">Assovib<\/span><span class=\"NormalTextRun SCXW152926477 BCX0\">, <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW152926477 BCX0\">Assilea<\/span><span class=\"NormalTextRun SCXW152926477 BCX0\">, Associazione T6, Assoimmobiliare, Collegio Nazionale degli Agrotecnici, Collegio Nazionale dei Periti Agrari, CONFEDILIZIA, Consiglio dell\u2019Ordine Nazionale Dottori Agronomi, Consiglio Nazionale degli Architetti, Consiglio Nazionale degli Ingegneri, Consiglio Nazionale dell\u2019ordine dei commercialisti, Consiglio Nazionale dei Periti Industriali, Consiglio Nazionale Geometri, E-<\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW152926477 BCX0\">Valuations<\/span><span class=\"NormalTextRun SCXW152926477 BCX0\">, FIABCI-ITALIA, FIAIP, ISIVI, RICS, Tecnoborsa, <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW152926477 BCX0\">TEGoVA<\/span><span class=\"NormalTextRun SCXW152926477 BCX0\"> parti firmatarie di un Protocollo del 26 ottobre 2016 hanno elaborato le Linee guida per le valutazioni degli immobili a garanzia di crediti inesigibili in coerenza con gli standard di valutazione immobiliare Europei ed Internazionali.<\/span><\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e923c6 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"9e923c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span class=\"TextRun SCXW211671519 BCX0\" lang=\"IT-IT\" xml:lang=\"IT-IT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW211671519 BCX0\">Il documento, destinato ai giudici, ai valutatori, a tutti i soggetti coinvolti nei processi di gestione e recupero del credito immobiliare, \u00e8 volto a favorire la trasparenza, la correttezza e l\u2018affidabilit\u00e0 nelle valutazioni degli immobili a garanzia dei crediti non esigibili.<\/span><\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e826e99 elementor-widget elementor-widget-shortcode\" data-id=\"e826e99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='w3eden'>\n    <div class=''>\n\n        \n        <div id=\"content_wpdm_package_8\">\n            <div class='row'><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/valutazioni-immobiliari-crediti-inesigibili\/?wpdmdl=26722&refresh=6ad1a5d6e22331792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskUnits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n                  height=\"25\"\n                >\n                  <rect\n                    x=\"15.7393\"\n                    y=\"21.3075\"\n                    width=\"24\"\n                    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<p\n              class=\"media-heading\"\n              style=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/valutazioni-immobiliari-crediti-inesigibili\/?wpdmdl=26722&refresh=6ad1a5d6e22331792124374\">Valutazioni immobiliari crediti inesigibili<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > <p>Linee guida<\/p>\n\n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 24 August 2018\n              <\/span>\n            <\/div>\n \n            <!--Linee guida\n...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/valutazioni-immobiliari-crediti-inesigibili\/?wpdmdl=26722&refresh=6ad1a5d6e22331792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/valutazioni-immobiliari-crediti-inesigibili\/\">Valutazioni immobiliari crediti inesigibili<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 847.23 KB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 33868 downloads\n                <\/span>\n            <\/h3>\n            Linee guida\n...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/valutazioni-immobiliari-crediti-inesigibili\/?wpdmdl=26722&refresh=6ad1a5d6e22331792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><\/div>            <div style='clear:both'><\/div><div class='text-center'><ul class='pagination wpdm-pagination pagination-centered text-center'><\/ul><\/div><div style='clear:both'><\/div>        <\/div>\n\n        <div style='clear:both'><\/div>\n    <\/div>\n<\/div>\n<\/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-8ae72b0 section e-flex e-con-boxed e-con e-child\" data-id=\"8ae72b0\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-10\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65603a1 elementor-widget elementor-widget-heading\" data-id=\"65603a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Prestito ipotecario vitalizio<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ddb336 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"5ddb336\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">Il prestito ipotecario vitalizio \u00e8 un particolare tipo di finanziamento riservato a chi ha pi\u00f9 di 60 anni, garantito da ipoteca su un immobile residenziale la cui durata, in generale, coincide con la vita del sottoscrittore.<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de05d7c elementor-widget elementor-widget-pxl_text_editor\" data-id=\"de05d7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span data-contrast=\"auto\">La propriet\u00e0 dell\u2019immobile resta al beneficiario del finanziamento; alla sua morte gli eredi possono decidere se pagare il debito, riscattando il bene, o se far vendere l\u2019immobile dall\u2019istituto di credito, che in questo modo riuscir\u00e0 a coprire il debito con il ricavato.<\/span><\/p>\t\t\n\t<\/div>\n<\/div>\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-0472e02 section e-flex e-con-boxed e-con e-child\" data-id=\"0472e02\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-11\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb743ee elementor-widget elementor-widget-heading\" data-id=\"bb743ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Anticipazione TFS\/TFR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c375b4 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"1c375b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>L\u2019art. 23, del Decreto-legge 28 gennaio 2019, n. 4, convertito con modificazioni, dalla legge 28 marzo 2019, n. 26, ha introdotto nell\u2019ordinamento nazionale l\u2019anticipazione dell\u2019indennit\u00e0 di fine servizio (Anticipo TFR\/TFS).\u00a0<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e955689 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"e955689\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>L\u2019attuazione della disciplina \u00e8 stata demandata al Decreto del Presidente del Consiglio dei Ministri del 22 aprile 2020, n. 51 e dall\u2019 Accordo Quadro sottoscritto il 7 agosto 2020 tra il Ministero dell\u2019Economia e delle Finanze, Ministero del Lavoro e delle Politiche Sociali, Ministero della Pubblica Amministrazione e ABI, sentito INPS, il Garante della Protezione dei dati personali e l\u2019Autorit\u00e0 Garante della Concorrenza e del Mercato, il quale \u00e8 stato pi\u00f9 volte rinnovato, da ultimo con Decreto del Ministro della Pubblica Amministrazione 23 settembre 2024, per 24 mesi a partire dall\u20198 novembre 2024.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae5c34b elementor-widget elementor-widget-pxl_text_editor\" data-id=\"ae5c34b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>In particolare, \u00e8 previsto che sulla base di apposite certificazioni rilasciate dall\u2019INPS \u2013 o dagli altri Enti erogatori abilitati per legge a rilasciare il TFS\/TFR \u2013 i dipendenti pubblici che ottengono il pensionamento possono presentare, alle banche e agli intermediari aderenti all\u2019iniziativa, richiesta di finanziamento, a condizioni agevolate, per l\u2019anticipazione dell\u2019indennit\u00e0 di fine servizio maturata, che verr\u00e0 liquidata nei tempi previsti dalla legge.\u00a0<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df50fb3 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"df50fb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>Il finanziamento \u00e8 garantito, tra gli altri, dalla cessione pro solvendo, nel limite dell\u2019importo finanziato, dei crediti derivanti dal trattamento di fine servizio maturato, nonch\u00e9 da un fondo di garanzia \u2013 gestito da INPS \u2013 a sua volta controgarantito dallo Stato.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cf9dcd elementor-widget elementor-widget-pxl_text_editor\" data-id=\"1cf9dcd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p>Per maggiori informazioni e consultare le banche aderenti all\u2019iniziativa \u00e8 possibile consultare la <a href=\"https:\/\/www.lavoropubblico.gov.it\/strumenti-e-servizi\/anticipo-tfs-tfr\" target=\"_blank\" rel=\"noopener\">pagina dedicata<\/a> sul sito del Dipartimento per la Funzione pubblica.<\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6539cc elementor-widget elementor-widget-shortcode\" data-id=\"a6539cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='w3eden'>\n    <div class=''>\n\n        \n        <div id=\"content_wpdm_package_9\">\n            <div class='row'><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/anticipazione-tfs-tfr\/?wpdmdl=26733&refresh=6ad1a5d6eb4a51792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n           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style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/anticipazione-tfs-tfr\/?wpdmdl=26733&refresh=6ad1a5d6eb4a51792124374\">Anticipazione TFS\/TFR<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > <p>Decreto del Presidente del Consiglio dei ministri 22 aprile 2020- n. 51.<\/p>\n\n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 5 October 2020\n              <\/span>\n            <\/div>\n \n            <!--Decreto del Presidente del Consiglio dei ministri 22 aprile 2020- n. 51.\n...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn 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!important;\n        }\n        .media-heading a {\n          color: #074973 !important;\n        }\n        .counters {\n          display: flex;\n          flex-direction: column !important;\n          justify-content: flex-start !important;\n        }\n        .text-muted.ml-4 {\n          margin-left: 0px !important;\n          margin-bottom: 5px !important;\n        }\n      <\/style>\n\n<!--\n<div class=\"well c2a3\">\n    <div class=\"media\">\n        <div class=\"mr-3\" align=\"left\">\n            <img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/>\n        <\/div>\n        <div class=\"media-body\">\n            <h3 class=\"media-heading\" style=\"padding-top: 0px;border:0px;margin: 0 0 5px 0;font-size:12pt;\">\n                <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/anticipazione-tfs-tfr\/\">Anticipazione TFS\/TFR<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 1 MB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 38691 downloads\n                <\/span>\n            <\/h3>\n            Decreto del Presidente del Consiglio dei ministri 22 aprile 2020- n. 51.\n...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/anticipazione-tfs-tfr\/?wpdmdl=26733&refresh=6ad1a5d6eb4a51792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><\/div>            <div style='clear:both'><\/div><div class='text-center'><ul class='pagination wpdm-pagination pagination-centered text-center'><\/ul><\/div><div style='clear:both'><\/div>        <\/div>\n\n        <div style='clear:both'><\/div>\n    <\/div>\n<\/div>\n<\/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-2106d14 section e-flex e-con-boxed e-con e-child\" data-id=\"2106d14\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-12\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-82ebf9e elementor-widget elementor-widget-heading\" data-id=\"82ebf9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Informativa default<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-610e798 elementor-widget elementor-widget-pxl_text_editor\" data-id=\"610e798\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_text_editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-text-editor\">\n\t<div class=\"pxl-item--inner    \" data-wow-delay=\"ms\">\n\t\t<p><span class=\"TextRun SCXW241474984 BCX0\" lang=\"IT-IT\" xml:lang=\"IT-IT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW241474984 BCX0\">L\u2019ABI ha definito una guida con l\u2019obiettivo di portare a conoscenza delle persone fisiche che accedono al credito per esigenze private e familiari, le nuove regole in materia di definizione di default, che le banche sono tenute ad applicare a partire dal 2021.<\/span><\/span><\/p>\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c51afb elementor-widget elementor-widget-shortcode\" data-id=\"3c51afb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='w3eden'>\n    <div class=''>\n\n        \n        <div id=\"content_wpdm_package_10\">\n            <div class='row'><div class='col-lg-12 col-md-6 col-12'><!-- WPDM Link Template: Call to Action 3 -->\n<div class=\"well c2a3\">\n        <div class=\"media\">\n          <div class=\"mr-3\" align=\"left\">\n            <!-- <a\n              href=\"https:\/\/www.abi.it\/en\/download\/prestiti-piu-attenzione-a-scadenze-e-rimborsi\/?wpdmdl=26740&refresh=6ad1a5d6f35381792124374\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n                height=\"67\"\n                viewBox=\"0 0 56 67\"\n                fill=\"none\"\n                xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              >\n                <circle\n                  cx=\"27.5772\"\n                  cy=\"33.4703\"\n                  r=\"19\"\n                  transform=\"rotate(-45 27.5772 33.4703)\"\n                  fill=\"white\"\n                  stroke=\"#1E5580\"\n                \/>\n                <mask\n                  id=\"mask0_3240_9322\"\n                  style=\"mask-type: alpha\"\n                  maskUnits=\"userSpaceOnUse\"\n                  x=\"15\"\n                  y=\"21\"\n                  width=\"25\"\n                  height=\"25\"\n                >\n                  <rect\n                    x=\"15.7393\"\n                    y=\"21.3075\"\n                    width=\"24\"\n                    height=\"24\"\n                    fill=\"#D9D9D9\"\n                  \/>\n                <\/mask>\n                <g mask=\"url(#mask0_3240_9322)\">\n                  <path\n                    d=\"M27.7393 36.8845L24.2008 33.346L24.9085 32.6267L27.2393 34.9575V26.3075H28.2393V34.9575L30.57 32.6267L31.2778 33.346L27.7393 36.8845ZM22.3548 40.3075C21.8944 40.3075 21.5101 40.1533 21.2018 39.845C20.8934 39.5367 20.7393 39.1523 20.7393 38.692V36.269H21.7393V38.692C21.7393 38.846 21.8033 38.9871 21.9315 39.1152C22.0597 39.2434 22.2008 39.3075 22.3548 39.3075H33.1238C33.2778 39.3075 33.4188 39.2434 33.547 39.1152C33.6752 38.9871 33.7393 38.846 33.7393 38.692V36.269H34.7393V38.692C34.7393 39.1523 34.5851 39.5367 34.2768 39.845C33.9684 40.1533 33.5841 40.3075 33.1238 40.3075H22.3548Z\"\n                    fill=\"#1E5580\"\n                  \/>\n                <\/g>\n              <\/svg>\n            <!-- <\/a> -->\n          <\/div>\n          <div class=\"media-body\">\n            <p\n              class=\"media-heading\"\n              style=\"\n                padding-top: 0px;\n                border: 0px;\n                margin: 0 0 5px 0;\n                font-size: 12pt;\n              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/prestiti-piu-attenzione-a-scadenze-e-rimborsi\/?wpdmdl=26740&refresh=6ad1a5d6f35381792124374\">Prestiti pi\u00f9 attenzione a scadenze e rimborsi<\/a>\n            <\/p>\n            \n              \n            <div class=\"counters\">\n                <span\n                    style=\"font-size: 14px !important; font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > <p>Infografica<\/p>\n\n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 29 January 2021\n              <\/span>\n            <\/div>\n \n            <!--Infografica\n...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/prestiti-piu-attenzione-a-scadenze-e-rimborsi\/?wpdmdl=26740&refresh=6ad1a5d6f35381792124374\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          margin-bottom: 0px !important;\n        }\n        \n        .well.c2a3 .btn {\n          padding: 11px 30px;\n          font-size: 11pt;\n        }\n        \n        .text-muted.ml-4 p {\n            margin-bottom: 0px !important;\n        }\n \n        .well.c2a3 .media-body {\n          font-size: 11pt;\n          \/*To take the full width on mobile screen*\/\n          min-width: 300px;\n        }\n \n        .well.c2a3 .wpdm_icon {\n          height: 42px;\n          width: auto;\n        }\n        .media {\n          display: flex;\n          align-items: center !important;\n      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rimborsi<\/a>\n                <span style=\"font-size:8pt;font-weight:300\" class=\"text-muted ml-4\">\n                    <i class=\"fas fa-hdd mr-1\"><\/i> 2 MB\n                    <i class=\"ml-3 far fa-arrow-alt-circle-down mr-1\"><\/i> 41981 downloads\n                <\/span>\n            <\/h3>\n            Infografica\n...\n        <\/div>\n        <div class=\"ml-3\" align=\"right\">\n            <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/prestiti-piu-attenzione-a-scadenze-e-rimborsi\/?wpdmdl=26740&refresh=6ad1a5d6f35381792124374\">Download<\/a>\n        <\/div>\n    <\/div>\n\n<\/div>\n-->\n<!--\n<style>\n    .well.c2a3 .btn {\n        padding: 11px 30px;\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .media-body {\n        font-size: 11pt;\n    }\n\n    .well.c2a3 .wpdm_icon {\n        height: 42px;\n        width: auto;\n    }<\/style>\n--><\/div><div class='col-lg-12 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font-weight: 400;\"\n                    class=\"text-muted ml-4\"\n                > <p>Guida tecnica per le persone fisiche<\/p>\n\n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 30 December 2020\n              <\/span>\n            <\/div>\n \n            <!--Guida tecnica per le persone fisiche\n...-->\n          <\/div>\n          <!--\n    <div class=\"ml-3\" align=\"right\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/informativa-default\/?wpdmdl=26739&refresh=6ad1a5d702fa51792124375\">Download<\/a>\n    <\/div>\n            -->\n        <\/div>\n      <\/div>\n \n      <style>\n        .well.c2a3 {\n          font-family: 'Mulish' !important;\n          background-color: white !important;\n          height: auto !important;\n          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finanziamenti Pillole video sui &#8220;mutui casa&#8221; Fondo per il credito ai giovani (c.d. \u201cFondo per lo studio\u201d) Calamit\u00e0 naturali Linee guida valutazioni immobiliari Linee guida valutazioni degli immobili a garanzia dei [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":35589,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-43742","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credito ai consumatori - ABI - Associazione Bancaria Italiana<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/abi-newsite.azurewebsites.net\/i-macro-trend\/regolamentazione\/consumatori\/\" \/>\n<meta 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