{"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":"2026-02-23T08:50:02","modified_gmt":"2026-02-23T07:50:02","slug":"consumatori","status":"publish","type":"page","link":"https:\/\/www.abi.it\/en\/i-macro-trend\/regolamentazione\/consumatori\/","title":{"rendered":"Consumer Credit"},"content":{"rendered":"<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\">First home loan guarantee fund<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\">Solidarity fund for first home loans<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\">Home ceiling<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\">Policies on mortgages and other financing<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\">Video pills on 'home loans<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\">Natural disasters<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\">Property Valuation Guidelines<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\">Guidelines for valuations of real estate securing bad debts<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\">Lifetime mortgage loan<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\">Advances on 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\">Default information<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\">Consumer Credit<\/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>The ABI carries out various activities to facilitate consumer access to credit, contributing, also in cooperation with consumer associations, to make loans and financing more accessible, transparent and sustainable.<\/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\">First home loan guarantee fund<\/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>The so-called Fondo di garanzia mutui per la prima casa (first home loan guarantee fund), set up at the Ministry of the Economy and Finance and managed by Consap, grants a public guarantee for the taking out of mortgage loans for the purchase and possible renovation and energy efficiency enhancement of real estate units to be used as main homes.<\/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>The Fund issues a guarantee of up to 50% of the principal amount of the requested loan, thus facilitating access to credit for the following categories of borrowers:<\/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\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\">young couple: a family unit consisting of spouses or cohabiting partners who have been living together for at least two years, in which at least one of the two members has not exceeded the age of 35 at the date of submission of the application (the requirement is met if they have not reached the age of 36);<\/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\">single-parent household with minor children: single person neither married nor cohabiting with the other parent of any of their minor children living with them; separated, divorced or widowed person cohabiting with at least one of their minor children;<\/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\">young person who has not attained the age of 36;<\/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\">tenants of dwellings owned by autonomous institutes for social housing however denominated.<\/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>Until 31 December 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\">Borrowers who have an indicator of the equivalent economic situation (ISEE) of no more than EUR 40,000 per year can obtain a guarantee of up to 80% of the principal amount of the loans applied for;<\/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\">The categories of borrowers who can access the Fund also include so-called 'large families' for whom, under certain conditions, the maximum coverage percentage can be up to 90%;<\/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\">the increase in the guarantee coverage percentage is only recognised if the ratio of the loan amount requested to the purchase price of the property exceeds 80%<\/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>Applications for access to the Fund can be submitted directly to the participating bank.<\/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\">For more information<\/span><span class=\"NormalTextRun SCXW249761829 BCX0\">, download<\/span><span class=\"NormalTextRun SCXW249761829 BCX0\">re<\/span><span class=\"NormalTextRun SCXW249761829 BCX0\"> the Fund access form<\/span> <span class=\"NormalTextRun SCXW249761829 BCX0\">e<\/span><span class=\"NormalTextRun SCXW249761829 BCX0\"> to view<\/span><span class=\"NormalTextRun SCXW249761829 BCX0\">e<\/span><span class=\"NormalTextRun SCXW249761829 BCX0\"> the list of participating banks<\/span><span class=\"NormalTextRun SCXW249761829 BCX0\"> to the initiative<\/span><span class=\"NormalTextRun SCXW249761829 BCX0\"> you can consult<\/span><span class=\"NormalTextRun SCXW249761829 BCX0\">r<\/span><span class=\"NormalTextRun SCXW249761829 BCX0\">and the site of the <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\">Solidarity fund for first home loans<\/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\">The <\/span><span class=\"NormalTextRun SCXW137538207 BCX0\">Fondo di solidariet\u00e0 dei mutui per l'acquisto della prima casa (Solidarity Fund for mortgages for the purchase of one's first home) allows borrowers to apply to the bank that issued the mortgage for the purchase of their main home to suspend the payment of the entire instalment, for a total of 18 months, upon the occurrence of the following events <\/span><span class=\"NormalTextRun SCXW137538207 BCX0\">three<\/span><span class=\"NormalTextRun SCXW137538207 BCX0\"> years preceding the submission of the suspension request:<\/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\">For the events referred to in (d) and <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW57365478 BCX0\">e<\/span><span class=\"NormalTextRun SCXW57365478 BCX0\">), the maximum duration of the suspension of the payment of mortgage instalments is commensurate with the duration of the suspension or reduction of working time:<\/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 months if the suspension or reduction of working time lasts between 30 days and 150 days;<\/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 months, if the suspension or reduction in working time lasts between 151 and 302 days;<\/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 months, if the suspension or reduction in working time lasts longer than 303 days.<\/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\">The main requirements for access are, among others, an ISEE income of no more than EUR 30,000 and a mortgage amount of no more than EUR 250,000 for the purchase of a non-luxury property used as a main home.<\/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\">For further information, please consult the website of<\/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=69e03a5f6a20d1776302687\"\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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/guida-fondo-solidarieta-mutui-prima-casa-2024\/?wpdmdl=33637&refresh=69e03a5f6a20d1776302687\">First Home Loans Solidarity Fund Guide 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              <\/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\/guida-fondo-solidarieta-mutui-prima-casa-2024\/?wpdmdl=33637&refresh=69e03a5f6a20d1776302687\">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\/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> 8580 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=69e03a5f6a20d1776302687\">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\">Home ceiling<\/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>On the site of <a href=\"https:\/\/www.cdp.it\/sitointernet\/page\/it\/plafond_casa?contentId=PRD11495\" target=\"_blank\" rel=\"noopener\">CDP<\/a> contains further information and the list of participating banks.<\/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=69e03a5f844221776302687\"\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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/convenzione-abi-cdp-plafond-casa\/?wpdmdl=43090&refresh=69e03a5f844221776302687\">ABI - CDP Convention<\/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=69e03a5f844221776302687\">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> 9130 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=69e03a5f844221776302687\">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\">Policies on mortgages and other financing<\/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>On 30 November 2013, a memorandum of understanding was signed between ABI, Assofin and 14 consumer associations (Acu, Adiconsum, Adoc, Assoutenti, Casa del mercato, Cittadinanzattiva, Codacons, Codici, Confconsumatori, Federconsumatori, Lega consumatori, Movimento consumatori, Movimento difesa del cittadino, Unione nazionale consumatori) aimed at promoting the dissemination of good practices in the offer to consumers of optional insurance policies, life or mixed - i.e. providing both life and non-life insurance - ancillary to mortgages and other financing.<\/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=69e03a5faf5d51776302687\"\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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\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=69e03a5faf5d51776302687\">Participating Banks<\/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=69e03a5faf5d51776302687\">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> 8945 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=69e03a5faf5d51776302687\">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\">Video pills on 'home loans<\/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\">Video pills to provide 'simple and direct' information on home mortgages. This is the training and information path launched by the ABI for those who want to buy a house and for those who already have a mortgage.<\/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\">The awareness-raising initiative is part of the 'Trasparenza Semplice' (Simple Transparency) Project, launched by ABI with the Consumer Associations to promote activities aimed at fostering a more effective simplification and accessibility of information, supporting the dialogue between banks and customers.<\/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\">Read more<\/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>\u00a0<\/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>\u00a0<\/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>\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\">Natural disasters<\/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\">Interventions aimed at supporting credit to households affected by earthquakes, other natural disasters or health emergencies.<\/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\"> Agreement with Civil Defence <\/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\">With the aim of supporting<\/span> <span class=\"NormalTextRun SCXW66552096 BCX0\">the <\/span><span class=\"NormalTextRun SCXW66552096 BCX0\">families <\/span><span class=\"NormalTextRun SCXW66552096 BCX0\">affected by calamitous events, on 26 October 2015 ABI <\/span><span class=\"NormalTextRun SCXW66552096 BCX0\">signed <\/span><span class=\"NormalTextRun SCXW66552096 BCX0\">with the Civil Protection Department at the Presidency of the <\/span><span class=\"NormalTextRun AdvancedProofingIssueV2Themed SCXW66552096 BCX0\">Council of Ministers<\/span><span class=\"NormalTextRun SCXW66552096 BCX0\"> and 14 Consumer Associations a Memorandum of Understanding to encourage the suspension of mortgage instalment payments with the following objectives:<\/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\">to avoid interpretative and operational uncertainties in the implementation of the measures to be taken, while ensuring maximum effectiveness, speed and transparency in the suspension of financing;<\/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\">clarify the requirements for banks and consumers;<\/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\">ensure fair treatment for populations affected by natural disasters;<\/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\">engage lenders and consumer associations in promoting information campaigns on the possibility of suspending financing as well as on the modalities, terms and costs of suspension.<\/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\"> Flood Plafond May 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 and CDP signed the \"Plafond Alluvione Maggio 2023\" (Flood Plafond May 2023) agreement, which governs the rules for the granting of subsidised loans, guaranteed by the State, for the reconstruction of the territories in the Emilia-Romagna, Tuscany and Marche regions damaged by the floods that occurred on or after 1 May 2023, in implementation of Article 1, paragraphs 436 et seq. of Law No. 213\/2023 (Budget Law 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\">The public facilitation consists in the recognition of a tax credit to the beneficiary, which is used by the latter to pay the bank the repayment instalments of the loan (for principal and interest) and the expenses strictly necessary for its management.<\/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\">Entities wishing to access the subsidised financing must be authorised by the competent public authorities by means of specific measures.<\/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-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 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\/testo-della-convenzione-cdp-abi-24-giugno-2024\/?wpdmdl=27923&refresh=69e03a601539b1776302688\"\n              role=\"button\"\n              aria-label=\"download file\"\n              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<p\n              class=\"media-heading\"\n              style=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\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=69e03a601539b1776302688\">Text of the CDP-ABI Convention 24 June 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>coordinated with the changes introduced by the Communication of 21 October 2024<\/p>\n\n                <\/span>\n              <span\n                style=\"font-size: 13px !important; font-weight: 300\"\n                class=\"text-muted ml-4\"\n              > 21 October 2024\n              <\/span>\n            <\/div>\n \n            <!--coordinato 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=69e03a601539b1776302688\">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        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  <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> 17006 downloads\n                <\/span>\n            <\/h3>\n            coordinato 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=69e03a601539b1776302688\">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-2\/?wpdmdl=28890&refresh=69e03a6043b7e1776302688\"\n              role=\"button\"\n              aria-label=\"download file\"\n              aria-hidden=\"true\"\n            > -->\n              <svg\n                width=\"56\"\n     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           <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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-2\/?wpdmdl=28890&refresh=69e03a6043b7e1776302688\">Participating Banks<\/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              > 24 June 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-2\/?wpdmdl=28890&refresh=69e03a6043b7e1776302688\">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> 16414 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=69e03a6043b7e1776302688\">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\"> 2012 Earthquake Reconstruction Plafond <\/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 and CDP signed the \"Plafond Ricostruzione Sisma 2012\" (2012 Earthquake Reconstruction Plafond) agreement, which governs the rules for the granting of subsidised loans, guaranteed by the State, for the reconstruction of the territories in the regions of Emilia-Romagna, Lombardy and Veneto damaged by the 2012 earthquakes, in implementation of Article 3-bis of Decree-Law No. 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\">The public facilitation consists in the recognition of a tax credit to the beneficiary, which is used by the latter to pay the bank the repayment instalments of the loan (for principal and interest) and the expenses strictly necessary for its management.<\/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\">Entities wishing to access the subsidised financing must be authorised by the competent public authorities by means of specific measures.<\/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=69e03a609e7291776302688\"\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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/convenzione-plafond-ricostruzione-sisma-2012\/?wpdmdl=29057&refresh=69e03a609e7291776302688\">2012 earthquake reconstruction ceiling agreement<\/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=69e03a609e7291776302688\">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> 16776 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=69e03a609e7291776302688\">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=69e03a60e04651776302688\"\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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/addendum-2025-cdp-abi\/?wpdmdl=49220&refresh=69e03a60e04651776302688\">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=69e03a60e04651776302688\">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> 15556 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=69e03a60e04651776302688\">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=69e03a612814b1776302689\"\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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-3\/?wpdmdl=28910&refresh=69e03a612814b1776302689\">Participating Banks<\/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=69e03a612814b1776302689\">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> 16394 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=69e03a612814b1776302689\">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\"> Earthquake Plafond Central Italy <\/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 and CDP signed the \"Plafond Sisma Centro Italia\" convention, which governs the rules for the granting of subsidised loans, guaranteed by the State, for the reconstruction of the territories in the regions of Abruzzo, Lazio, Marche and Umbria damaged by the earthquake events of 2016, in implementation of Article 5 of Decree-Law No. 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\">The public facilitation consists in the recognition of a tax credit to the beneficiary, which is used by the latter to pay the bank the repayment instalments of the loan (for principal and interest) and the expenses strictly necessary for its management.<\/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\">Entities wishing to access the subsidised financing must be authorised by the competent public authorities by means of specific measures.<\/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=69e03a615fb621776302689\"\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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/convenzione-plafond-sisma-centro-italia\/?wpdmdl=29056&refresh=69e03a615fb621776302689\">Central Italy earthquake ceiling agreement<\/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=69e03a615fb621776302689\">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> 16613 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=69e03a615fb621776302689\">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=69e03a61aad631776302689\"\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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti\/?wpdmdl=28916&refresh=69e03a61aad631776302689\">Participating Banks<\/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=69e03a61aad631776302689\">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> 16525 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=69e03a61aad631776302689\">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\"> Calamitous Events Plafond <\/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 and CDP signed the \"Plafond Eventi Calamitosi\" convention, which governs the rules for the granting of subsidised loans, guaranteed by the State, to deal with the damage occurred to private property and to economic and production activities, following a series of calamitous events occurring in Italy as from March 2013, in implementation of Article 1, paragraphs 422 et seq. of Law No. 208\/2015 (Budget Law 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\">The public facilitation consists in the recognition of a tax credit to the beneficiary, which is used by the latter to pay the bank the repayment instalments of the loan (for principal and interest) and the expenses strictly necessary for its management.<\/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\">Entities wishing to access the subsidised financing must be authorised by the competent public authorities by means of specific measures.<\/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=69e03a61e571a1776302689\"\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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/plafond-eventi-calamitosi\/?wpdmdl=26702&refresh=69e03a61e571a1776302689\">Disaster Plafond - Convention<\/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>ABI-Cdp Convention of 1 April 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=69e03a61e571a1776302689\">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            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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> 16448 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=69e03a61e571a1776302689\">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=69e03a622ace71776302690\"\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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/plafond-eventi-calamitosi-2\/?wpdmdl=43083&refresh=69e03a622ace71776302690\">Disaster Plafond - 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 to the 'Disaster Plafond' Agreement of 1 April 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=69e03a622ace71776302690\">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> 16322 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=69e03a622ace71776302690\">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=69e03a62726201776302690\"\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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/banche-aderenti-4\/?wpdmdl=28920&refresh=69e03a62726201776302690\">Participating Banks<\/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=69e03a62726201776302690\">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   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  <\/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> 16349 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=69e03a62726201776302690\">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\">Property Valuation Guidelines<\/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\">The Guidelines for the Valuation of Real Estate Pledged as Collateral for Credit Exposures set out a series of principles, rules and procedures for the valuation of real estate pledged as collateral for credit exposures with a view to promoting transparency and fairness in the property valuation procedures.<\/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\">They were developed in agreement with <\/span><span class=\"NormalTextRun SCXW78754205 BCX0\">the Association of Real Estate Valuation Societies - <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW78754205 BCX0\">Assovib<\/span><span class=\"NormalTextRun SCXW78754205 BCX0\">the National College of Agro-Technicians and Graduate Agro-Technicians, the National College of Surveyors and Graduate Agro-Technicians, the National Council of Architects, Planners, Landscapers and Conservators, the National Council of Agronomists and Foresters, the National Council of Surveyors and Graduate Surveyors, the National Council of Engineers the National Council of Industrial Technicians and Graduate Industrial Technicians and Tecnoborsa (Organisation of the Chambers of Commerce System for the Development and Regulation of the Real Estate Economy) - signatories of the Memorandum of Understanding for the Development of the Property Valuations Market, signed in Rome on 25 November 2010 - with the collaboration of Assoimmobiliare, Confedilizia, <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW78754205 BCX0\">Fiabci<\/span><span class=\"NormalTextRun SCXW78754205 BCX0\">-Italy (International Real Estate Federation), the Italian Institute of Real Estate Valuation - <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW78754205 BCX0\">Isivi<\/span><span class=\"NormalTextRun SCXW78754205 BCX0\">the 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\"> - Rics and the<\/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\">' <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW78754205 BCX0\">Associations<\/span><span class=\"NormalTextRun SCXW78754205 BCX0\"> -<\/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=69e03a62ba9f31776302690\"\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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\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=69e03a62ba9f31776302690\">Guidelines for the valuation of real estate as collateral for credit exposures<\/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=69e03a62ba9f31776302690\">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 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    <\/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\/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> 10724 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=69e03a62ba9f31776302690\">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\">Guidelines for valuations of real estate securing bad debts<\/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\">, T6 Association, Assoimmobiliare, National College of Agro-Technicians, National College of Land Surveyors, CONFEDILIZIA, National Council of Agronomists, National Council of Architects, National Council of Engineers, National Council of Chartered Accountants, National Council of Industrial Surveyors, National Council of Surveyors, 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\"> Parties to a Protocol of 26 October 2016 have developed Guidelines for the Valuation of Real Estate Securing Bad Debts in Consistency with European and International Real Estate Valuation Standards.<\/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\">The document, intended for judges, valuers, and all those involved in the processes of real estate credit management and recovery, is aimed at fostering transparency, fairness and reliability in the valuation of real estate as collateral for bad debts.<\/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=69e03a62ed6611776302690\"\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               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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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/valutazioni-immobiliari-crediti-inesigibili\/?wpdmdl=26722&refresh=69e03a62ed6611776302690\">Real estate valuation of bad debts<\/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>Guidelines<\/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=69e03a62ed6611776302690\">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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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> 8438 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=69e03a62ed6611776302690\">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\">Lifetime mortgage loan<\/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\">An annuity mortgage loan is a special type of loan reserved for those over 60 years old, secured by a mortgage on a residential property whose term, in general, coincides with the life of the subscriber.<\/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\">Ownership of the property remains with the borrower; upon his death, the heirs may decide whether to pay the debt by redeeming the property or have the property sold by the lender, who will then be able to cover the debt with the proceeds.<\/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\">Advances on 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>Article 23, of Decree-Law No. 4 of 28 January 2019, converted, with amendments, by Law No. 26 of 28 March 2019, introduced the advance payment of severance pay (Anticipation TFR\/TFS) into national law.\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>The implementation of the rules was delegated to Prime Ministerial Decree No. 51 of 22 April 2020 and by the Framework Agreement signed on 7 August 2020 between the Ministry of Economy and Finance, the Ministry of Labour and Social Policies, the Ministry of Public Administration and ABI, after hearing INPS, the Data Protection Authority and the Competition and Market Authority, which was renewed several times, most recently by Decree of the Minister of Public Administration of 23 September 2024, for 24 months from 8 November 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 particular, it is envisaged that on the basis of appropriate certifications issued by INPS - or by the other disbursing bodies empowered by law to issue the TFS\/TFR - civil servants reaching retirement age may submit, to banks and intermediaries participating in the initiative, a request for financing, at subsidised terms, for the advance payment of the accrued severance indemnity, which will be paid in the timeframe envisaged by law.\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>The financing is guaranteed, inter alia, by the assignment with recourse, up to the amount financed, of claims arising from accrued severance pay, as well as by a guarantee fund - managed by INPS - which in turn is counter-guaranteed by the State.<\/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>For more information and to see the participating banks, please consult the <a href=\"https:\/\/www.lavoropubblico.gov.it\/strumenti-e-servizi\/anticipo-tfs-tfr\" target=\"_blank\" rel=\"noopener\">dedicated page<\/a> on the website of the Civil Service Department.<\/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=69e03a632e85e1776302691\"\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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/anticipazione-tfs-tfr\/?wpdmdl=26733&refresh=69e03a632e85e1776302691\">Advances on 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>Decree of the President of the Council of Ministers 22 April 2020- No. 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 btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/www.abi.it\/en\/download\/anticipazione-tfs-tfr\/?wpdmdl=26733&refresh=69e03a632e85e1776302691\">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\/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> 8610 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=69e03a632e85e1776302691\">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\">Default information<\/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\">The ABI has drawn up a guide with the aim of bringing to the attention of individuals accessing credit for private and family needs, the new rules on the definition of default, which banks are required to apply from 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=69e03a63614ae1776302691\"\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\/prestiti-piu-attenzione-a-scadenze-e-rimborsi\/?wpdmdl=26740&refresh=69e03a63614ae1776302691\">Loans more attention to maturities and repayments<\/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>Infographic<\/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=69e03a63614ae1776302691\">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\/prestiti-piu-attenzione-a-scadenze-e-rimborsi\/\">Prestiti pi\u00f9 attenzione a scadenze e 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> 11114 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=69e03a63614ae1776302691\">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\/informativa-default\/?wpdmdl=26739&refresh=69e03a63927ae1776302691\"\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=\"                padding-top: 0px;                border: 0px;                margin: 0 0 5px 0;                font-size: 12pt;              \"\n            >\n              <a style=\"font-weight: 700\" href=\"https:\/\/www.abi.it\/en\/download\/informativa-default\/?wpdmdl=26739&refresh=69e03a63927ae1776302691\">Default information<\/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>Technical Guide for Individuals<\/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=69e03a63927ae1776302691\">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\/informativa-default\/\">Informativa default<\/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> 8536 downloads\n                <\/span>\n            <\/h3>\n            Guida tecnica per le persone fisiche\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\/informativa-default\/?wpdmdl=26739&refresh=69e03a63927ae1776302691\">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-5ecd9f4 e-con-full e-flex e-con e-child\" data-id=\"5ecd9f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<header class=\"elementor-element elementor-element-cd4ee2a e-con-full e-flex e-con e-child\" data-id=\"cd4ee2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9583100 elementor-widget__width-auto elementor-widget elementor-widget-pxl_heading\" data-id=\"9583100\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div id=\"pxl-pxl_heading-9583100-5833\" class=\"pxl-heading\" >\n\t<div class=\"pxl-heading--container\" >\n\t\t<div class=\"pxl-heading--inner\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"pxl-item--title pxl-heading-default1\" data-wow-delay=\"\">\n\t\t\t\tRelated articles\t\t\t\t\t\n\t\t\t\t\t\t\t<\/h2>\n\t\t<\/div>\n\t\t\n\t<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7ec657 elementor-mobile_extra-align-center elementor-hidden-mobile_extra elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"e7ec657\" 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=\"\/en\/media\/\">\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\">Go to media<\/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<\/header>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f55c05 elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"5f55c05\" data-element_type=\"widget\" data-e-type=\"widget\" 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data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-loop-nothing-found-message\">\n\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-3338ed1 elementor-mobile_extra-align-center elementor-hidden-widescreen elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-widget elementor-widget-button\" data-id=\"3338ed1\" 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=\"\/en\/media\/\">\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\">Go to 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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>","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 v27.2 - 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:\/\/www.abi.it\/en\/i-macro-trend\/regolamentazione\/consumatori\/\" \/>\n<meta property=\"og:locale\" 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