Riferimento

000001522873
Nome
VINICIUS
Cognome
ANTONIAZZI BRANDELLI
Data
13/06/2023
1

INFORMAZIONI EUROPEE DI BASE SUL CREDITO AI CONSUMATORI (SECCI)

CONTRATTO DI FINANZIAMENTO “PRESTITO FINALIZZATO”
AVVERTENZA PER IL CONSUMATORE: OHFRQGL]LRQLULSRUWDWHQHO6(&&,SRWUDQQRFRPXQTXHHVVHUHPRGL¿FDWHDVHJXLWRGHOODYDOXWD]LRQHGHOPHULWRFUHGLWL]LRH
GHOODFRQVXOWD]LRQHGLEDQFKHGDWLHႇHWWXDWHXQLFDPHQWHGRSRODVRWWRVFUL]LRQHGHOODULFKLHVWDGL¿QDQ]LDPHQWR
,GHQWLWjHFRQWDWWLGHOÀQDQ]LDWRUHLQWHUPHGLDULRGHOFUHGLWR

Finanziatore Cofidis S.A., Succursale italiana (di seguito "Cofidis")

Indirizzo Via G. Antonio Amadeo, 59 - 20134 Milano

Telefono +39 02 36.61.61

Fax +39 02 36.61.62.99

Sito web www.cofidis.it

E-mail customerservice@cofidis.it

Intermediario del credito GDL SPA (di seguito Esercente Convenzionato)

Indirizzo VIA ORBETELLO 54/D - 10148 TORINO

Telefono 011 2264869

finanziamenti@gdlspa.it
E-mail
011 2295425
Fax
Sito web
&DUDWWHULVWLFKHSULQFLSDOLGHOSURGRWWRGLFUHGLWR
Il Contratto "Prestito Finalizzato" è un finanziamento a durata determinata, caratterizzato da un tasso e
piano di rientro fissi, che Cofidis mette a disposizione del Consumatore concedendo un importo
predeterminato contrattualmente e finalizzato all'acquisto di beni o servizi presso esercenti
Tipo di contratto di credito convenzionati con Cofidis. Il Contratto prevede l'erogazione del finanziamento direttamente
all'esercente convenzionato con Cofidis ed il Consumatore richiedente si impegna al rimborso mediante
pagamento di rate mensili uguali, comprensive di capitale ed interessi.

€ 4.980,00
Importo totale del credito Limite massimo o somma totale degli importi messi a disposizione del consumatore.
Il finanziamento sarà erogato in un'unica soluzione, direttamente all'esercente convenzionato con
Condizioni di prelievo Cofidis, presso il quale il Consumatore acquista il bene o servizio finanziato.
Modalità e tempi con i quali il consumatore può utilizzare il credito.
Contratto a durata determinata: nr. mesi 18 (escluso preammortamento)
Durata del contratto di credito
N° rate 18
Importo rate: € 321,48

Periodicità rate: mensile.

Preammortamento: pagamento prima rata tra 150 giorni con interessi al tasso contrattuale pari a €
233,64 pagati con le rate. L'importo della rata sopra indicato comprende la quota di interessi del
periodo di preammortamento.

Rate ed, eventualmente, loro ordine di imputazione Il Consumatore pagherà i seguenti interessi e/o spese, nell'ordine indicato:
- piano d'ammortamento a rate costanti (cd. alla francese), che comporta per ogni rata il rimborso delle
spese, degli interessi e di una quota capitale;
- l'importo di ciascuna rata mensile è maggiorato delle "spese di incasso" indicate al successivo punto
"3. Costi del credito";
- la prima rata includerà l'importo dell'imposta di bollo / importa sostitutiva sul contratto, in base
all'opzione esercitata;
- l'importo della rata coincidente con l'invio annuale del rendiconto periodico includerà le spese di invio
della comunicazione e, ove previsto, l'addebito della relativa imposta di bollo, se prevista per legge, il
tutto nella misura indicata al successivo punto "3. Costi del credito".

Importo totale dovuto dal consumatore € 5.854,29

Importo del capitale preso in prestito, più gli interessi e i costi connessi al credito.
,QFDVRGLFUHGLWR¿QDOL]]DWRDOODYHQGLWDGLXQEHQHRDOODSUHVHQWD]LRQHGLXQVHUYL]LRVSHFL¿FR Credito finalizzato alla vendita di un bene o alla prestazione di un servizio specifico:
Indicazione del bene o del servizio DETRAZIONE ARREDOBAGNO INTERNI
€ 19.600,00
Prezzo in contanti

Garanzie richieste Il Contratto può essere assistito da garanzie personali quali fidejussione o cambiale.
Garanzie che il consumatore deve prestare per ottenere il credito

&RVWLGHOFUHGLWR
Tasso di interesse TAN fisso (Tasso Annuo Nominale) calcolato su base annua, con riferimento all'anno civile: 14,069 %

TAEG (Tasso Annuo Effettivo Globale): 17,40 %

Tasso Annuo Effettivo Globale (TAEG)
Costo totale del credito espresso in percentuale, calcolata su base annua, dell’importo totale del credito.
Il TAEG consente al consumatore di confrontare le varie offerte.
Esempio rappresentativo con TAEG calcolato sulla base dell'ipotesi che il Contratto resti valido e che il
Consumatore adempia ai propri obblighi nei termini ed entro le date convenute nel presente Contratto;
che siano pagate rate mensili tutte di eguale importo:
- Importo totale del credito € 4.980,00
- Nr. 18 rate mensili da € 321,48 cadauna, da rimborsare mediante SEPA CORE DIRECT DEBIT (SDD)
- TAN fisso 14,069 %
- Spese accessorie: spese istruttoria € 80,00
- Spese di gestione garanzia rilasciata alla sottoscrizione del finanziamento: € 0,00 esclusi i costi
derivanti dall'eventuale utilizzo della garanzia per l'ipotesi di inadempimento.
- Imposta di bollo / imposta sostitutiva sul contratto € 12,45 una tantum all'apertura del contratto
- Spese incasso rata € 3,00
- Spese invio Rendiconto € 1,20 oltre imposta di bollo pari a € 0,00 per importi superiori ad € 77,47 per
ogni invio
- Importo totale dovuto € 5.854,29

Per ottenere il credito o per ottenerlo alle condizioni contrattuali offerte è obbligatorio sottoscrivere:
NO
• un’assicurazione che garantisca il credito e/o NON è necessario sottoscrivere alcun contratto assicurativo o altro contratto per servizi accessori per
• un altro contratto per un servizio accessorio ottenere il credito.
6HLO¿QDQ]LDWRUHQRQFRQRVFHLFRVWLGHLVHUYL]LDFFHVVRULTXHVWLQRQVRQRLQFOXVLQHO7$(*
 Riferimento
000001522873
Nome
VINICIUS
Cognome
ANTONIAZZI BRANDELLI
Data
13/06/2023 2

&RVWLFRQQHVVL
- Spese d'istruttoria: € 80,00
- Spese per il rilascio garanzie alla sottoscrizione del finanziamento: € 0,00
- Spese per incasso con modalità SDD/BollettiniPostali: € 3,00
- Spese per incasso con altra forma di pagamento: € 0,00
- Commissioni e spese per ogni richiesta di documenti:
a) invio tabella di ammortamento: € 0,00
b) duplicato Rendiconto: € 5,00
- Operazioni amministrative sul Contratto:
a) riemissione Bollettini Postali: € 0,00
b) variazione coordinate bancarie: € 0,00
c) revoca SDD e cambio modalità pagamento: € 0,00
d) calcolo estinzione anticipata: € 0,00
- Imposta di bollo / imposta sostitutiva sul contratto, in base all'opzione esercitata: una tantum pari ad €
12,45
- Spese di invio Rendiconto periodico: € 1,20 per ogni invio oltre imposta di bollo pari a € 0,00 per
Eventuali altri costi derivanti dal contratto di credito importi superiori a € 77,47
- Spese per invio di comunicazioni tramite strumenti telematici (ad es. email, Area Riservata, sms, mms,
WhatsApp, ecc.):
a) su iniziativa di Cofidis: € 0,00
- Spese postali per invio assegni e per comunicazioni al Consumatore: in base alle tariffe postali vigenti.
- Indennizzo estinzione anticipata: non può superare l'1% dell'importo rimborsato in anticipo, se la vita
residua del Contratto è superiore a un anno, ovvero lo 0,5% del medesimo importo, se la vita residua
del Contratto è pari o inferiore a un anno. In ogni caso, l'indennizzo non può superare l'importo degli
interessi che il Consumatore avrebbe pagato per la vita residua del Contratto.
- Spese di ristrutturazione del debito: € 10,00
- Spese per il rilascio garanzie durante il contratto: a carico del Consumatore in base alla vigente
normativa fiscale e tariffe di agenzia.

Qualora sussista un giustificato motivo, Cofidis si riserva la facoltà di modificare unilateralmente le

condizioni previste dal presente Contratto, anche in senso sfavorevole al Consumatore, ad esclusione
del T.A.N. (Tasso Annuo Nominale) e della durata del Contratto, e, in particolare, di variare l'importo
Condizioni in presenza delle quali i costi relativi al contratto di credito possono della rata e la prestazione di garanzie, dandone comunicazione, con preavviso minimo di 60 giorni,
HVVHUHPRGL¿FDWL
secondo le modalità previste dall'articolo 118 del D. Lgs. 1 settembre 1993, n. 385.
Il Consumatore potrà recedere dal Contratto entro la data prevista per l'attuazione della modifica senza
spese e con applicazione delle condizioni precedentemente praticate, saldando entro i successivi 15
giorni ogni suo debito nei confronti di Cofidis.

&RVWLLQFDVRGLULWDUGRQHOSDJDPHQWR
Tardare con i pagamenti delle rate potrebbe avere gravi conseguenze per il consumatore
Per i ritardi di pagamento saranno addebitati al consumatore interessi di mora al tasso dell'1,5% su
base mensile e in ogni caso entro la misura massima consentita dalla legge.
Il tasso degli interessi di mora può essere modificato in presenza delle condizioni indicate sopra alla
voce "Condizioni in presenza delle quali i costi relativi al Contratto di credito possono essere modificati".
In caso di mancato pagamento, saranno applicate al consumatore le seguenti penali:
- Spese insoluti: € 12,50 per insoluto
- Spese di esazione: telefonica 15% oltre IVA dell'importo scaduto e non pagato con un minimo di €
5,00; domiciliare 20% oltre IVA dell'importo scaduto e non pagato con un minimo di € 25,00
- Spese di sollecito: € 3,00 per ogni rata scaduta e non pagata.
- Spese legali per il recupero del credito: a carico del Consumatore in base alle tariffe legali vigenti.
- Spese di protesto assegni/effetti cambiari: pari a quella riportata sul protesto stesso.
- Spese di presentazione effetti: € 0,00 per effetto
- Spese per richiamo cambiali: € 10,00 per cambiale
DGHVHPSLRODYHQGLWDIRU]DWDGHLEHQLHUHQGHUHSLGLI¿FLOHRWWHQHUHDOWULFUHGLWLLQIXWXUR
- Tasso di cambializzazione:
- per i contratti in pre-decadenza dal beneficio del termine (DBT): tasso del Contratto
- per i contratti in post-decadenza dal beneficio del termine (DBT): tasso di mora previsto dal Contratto
- Penale di decadenza dal beneficio del termine (DBT): € 150,00; dalla data di ricezione della
dichiarazione di decadenza dal beneficio del termine e di risoluzione del Contratto decorreranno
interessi di mora in misura pari all'1,5% mensile, e in ogni caso nella misura massima consentita dalla
legge.

$OWULLPSRUWDQWLDVSHWWLOHJDOL
SI
Il Consumatore può recedere dal Contratto di finanziamento entro 14 giorni di calendario dalla
conclusione del Contratto.L'eventuale recesso dovrà essere esercitato mediante l'invio di una
raccomandata con ricevuta di ritorno al seguente indirizzo: Cofidis S.A., Succursale italiana - 20134
Milano - Via G. Antonio Amadeo 59; in alternativa tramite invio di Posta Elettronica Certificata (PEC)
all'indirizzo relazioneclientelacofidis@legalmail.it. La comunicazione può essere inviata, entro il
medesimo termine, anche mediante telegramma, all'indirizzo sopra indicato, oppure inviando un fax al
Diritto di recesso n. 02.36.61.62.99, o scrivendo all'indirizzo e-mail: customerservice@cofidis.it, a condizione che sia
Il consumatore ha diritto di recedere dal contratto di credito entro quattordici giorni di calendario confermata mediante lettera raccomandata con ricevuta di ritorno o tramite PEC entro le 48
dalla conclusione del contratto. (quarantotto) ore successive. La raccomandata si intende spedita in tempo utile se consegnata
all'ufficio postale accettante, entro il termine di cui sopra. Se il Consumatore esercita il proprio diritto di
ripensamento e recede dal Contratto, entro 30 giorni dalla comunicazione di recesso, il Consumatore
stesso deve rimborsare a Cofidis tutte le somme ad essa eventualmente ancora dovute in applicazione
del Contratto. Il recesso si estende automaticamente ai contratti aventi a oggetto servizi accessori
connessi con il Contratto di credito, se tali servizi sono resi dal finanziatore oppure da un terzo sulla
base di un accordo col finanziatore. Il Consumatore che non esercita il diritto di recesso dovrà
regolarmente adempiere agli obblighi contrattuali.
Il Consumatore può rimborsare anticipatamente in qualsiasi momento, in tutto o in parte, l'importo
dovuto a Cofidis. In tale caso, il Consumatore ha diritto a una riduzione, in misura proporzionale alla vita
residua del Contratto, degli interessi e di tutti i costi compresi nel costo totale del credito, escluse le
imposte, secondo il criterio del "costo ammortizzato". In caso di rimborso anticipato, Cofidis ha diritto ad
un indennizzo che non può superare l'1% dell'importo rimborsato in anticipo , se la vita residua del
Contratto è superiore a un anno, ovvero lo 0,5% del medesimo importo, se la vita residua del Contratto
è pari o inferiore a un anno. In ogni caso, l'indennizzo non può superare l'importo degli interessi che il
Rimborso anticipato Consumatore avrebbe pagato per la vita residua del Contratto.
Il consumatore ha il diritto di rimborsare il credito anche prima della scadenza del contratto, in qualsiasi L'indennizzo non è dovuto:
momento, in tutto o in parte. 1) se il rimborso anticipato è effettuato in esecuzione di un contratto di assicurazione destinato a
garantire il credito;
2) se il rimborso anticipato riguarda un contratto di apertura di credito;
3) se il rimborso anticipato ha luogo in un periodo in cui non si applica un tasso di interesse espresso da
una percentuale specifica fissa predeterminata dal contratto;
4) se l'importo rimborsato anticipatamente corrisponde all'intero debito residuo ed è pari o inferiore a €
10.000.
 Riferimento
000001522873
Nome
VINICIUS
Cognome
ANTONIAZZI BRANDELLI
Data
13/06/2023
3

Consultazione di una banca dati

6HLO¿QDQ]LDWRUHUL¿XWDODGRPDQGDGLFUHGLWRGRSRDYHUFRQVXOWDWRXQDEDQFDGDWLLOFRQVXPDWRUHKDGLULWWRGL SI
HVVHUHLQIRUPDWRLPPHGLDWDPHQWHHJUDWXLWDPHQWHGHOULVXOWDWRGHOODFRQVXOWD]LRQH
Il consumatore non ha questo diritto se comunicare tale informazione è vietato dalla normativa comunitaria o è
FRQWUDULRDOO¶RUGLQHSXEEOLFRRDOODSXEEOLFDVLFXUH]]D

Diritto a ricevere una copia del contratto Prima di essere contrattualmente vincolato, il Consumatore ha diritto a ricevere gratuitamente copia del
Il consumatore ha il diritto, su sua richiesta, di ottenere gratuitamente copia del contratto di credito idonea Contratto idonea per la stipula.
SHUODVWLSXOD,OFRQVXPDWRUHQRQKDTXHVWRGLULWWRVHLO¿QDQ]LDWRUHDOPRPHQWRGHOODULFKLHVWDQRQLQWHQGH
FRQFOXGHUHLOFRQWUDWWR
L'offerta, alle condizioni economiche sopra indicate, è valida fino a 30 giorni lavorativi, compreso il
giorno di ricezione del preventivo.
Periodo di validità dell’offerta

,QIRUPD]LRQLVXSSOHPHQWDULLQFDVRGLFRPPHUFLDOL]]D]LRQHDGLVWDQ]DGLVHUYL]LÀQDQ]LDUL
&RQWUDWWRGLFUHGLWR
Per il caso di contratti conclusi a distanza, si rinvia alle medesime modalità di recesso descritte sopra
alla voce "Diritto di recesso - Il consumatore ha diritto di recedere dal contratto di credito entro
Esercizio del diritto di recesso quattordici giorni di calendario dalla conclusione del contratto", con l'unica differenza che il termine
iniziale dei 14 giorni per recedere dal Contratto decorre dalla data di conclusione del Contratto o, in
alternativa, da quella di ricezione delle informazioni pre-contrattuali e contrattuali, se successiva.

Legge applicabile alle relazioni con il consumatore nella fase precontrattuale Italiana.

Legge applicabile al contratto di credito e/o foro competente Il Contratto è retto dalla legge italiana ed il Foro competente è quello del Consumatore.

Lingua Le informazioni sul Contratto di Credito sono comunicate in lingua italiana.

5HFODPLHULFRUVL
Per tutte le controversie che dovessero insorgere in relazione al presente contratto o ad esso
comunque ricollegate, comprese quelle inerenti la sua interpretazione, validità, efficacia, esecuzione e
risoluzione, il consumatore, prima di fare ricorso all'autorità giudiziaria, ha l'obbligo di esperire
alternativamente uno dei seguenti procedimenti:

Strumenti di tutela stragiudiziale e modalità per accedervi
a) procedimento istituito in attuazione dell'articolo 128bis del testo unico delle leggi in materia bancaria
e creditizia di cui al decreto legislativo 1° settembre 1993, n. 385 e successive modificazioni. Il
consumatore può presentare un reclamo a Cofidis, anche per lettera raccomandata A/R spedita a
Cofidis S.A., Succursale italiana - Via G. Antonio Amadeo, 59 - 20134 Milano, o per via telematica
all'indirizzo di posta elettronica ufficio.reclami@cofidis.it oppure all'indirizzo PEC
ufficioreclamicofidis@legalmail.it. Cofidis deve rispondere entro 60 giorni. Il consumatore rimasto
insoddisfatto o il cui reclamo non abbia avuto esito nel termine di sessanta giorni dalla sua ricezione da
parte di Cofidis, potrà presentare formale ricorso all'Arbitro Bancario Finanziario, purché non siano
trascorsi più di 12 mesi dalla presentazione del reclamo a Cofidis. Il ricorso è redatto utilizzando
l'apposita modulistica pubblicata sul sito dell'Arbitro Bancario Finanziario
(www.arbitrobancariofinanziario.it) e reperibile presso tutte le filiali della Banca d'Italia aperte al
pubblico e potrà essere inoltrato direttamente alla segreteria tecnica del collegio competente, a
qualunque filiale della Banca d'Italia o presentato direttamente presso tutte le filiali della Banca d'Italia
aperte al pubblico;

b) procedimento di mediazione ai sensi del D.Lgs. 4 marzo 2010, n. 28. Il consumatore può attivare
presso il Conciliatore BancarioFinanziario, singolarmente o in forma congiunta con Cofidis stessa, una
procedura di conciliazione che consiste nel tentativo di raggiungere un accordo con Cofidis grazie
all'assistenza di un conciliatore indipendente.
Per questo servizio è possibile rivolgersi al Conciliatore BancarioFinanziario (Organismo iscritto nel
Registro tenuto dal Ministero della Giustizia), con sede a Roma, Via delle Botteghe Oscure 54, tel.
06/674821, sito internet www.conciliatorebancario.it .
 Riferimento
000001522873
Nome
VINICIUS
Cognome
ANTONIAZZI BRANDELLI
Data
13/06/2023
4

ALLEGATO 1 AL DOCUMENTO
INFORMAZIONI EUROPEE DI BASE SUL CREDITO AI CONSUMATORI (SECCI)
CONTRATTO DI FINANZIAMENTO “PRESTITO FINALIZZATO”

6HUYL]LDFFHVVRULIDFROWDWLYLFRQQHVVLDO&RQWUDWWRGL&UHGLWR

Copertura assicurativa CPI NON APPLICABILE

Indicatore del costo totale del credito, calcolato

con le stesse modalità del TAEG, includendo NON APPLICABILE
Premi Assicurazioni facoltative scelte dal Consumatore anche le polizze assicurative facoltative.

TAEG 17,40 %

/DHSROL]]DHDVVLFXUDWLYDHDFFHVVRULDHDOÀQDQ]LDPHQWRqVRQRIDFROWDWLYDHHQRQLQGLVSHQVDELOHLSHURWWHQHUHLOÀQDQ]LDPHQWRDOOH
FRQGL]LRQLSURSRVWH3HUWDQWRLOFOLHQWHSXzVFHJOLHUHGLQRQVRWWRVFULYHUHDOFXQDSROL]]DDVVLFXUDWLYDRVRWWRVFULYHUHXQDSROL]]DVFHOWD
OLEHUDPHQWHVXOPHUFDWR
 MODULO DI RICHIESTA PRESTITO FINALIZZATO Pratica Finanziamento N°: 5
DICHIARAZIONE DELL’INCARICATO ALL’IDENTIFICAZIONE
,OVRWWRVFULWWRDQFKHDL¿QLGHOO¶LGHQWL¿FD]LRQHGLFXLDO'/JVQFRVuFRPHPRGL¿FDWRGDO'/JVQGLFKLDUDVRWWRODSURSULDUHVSRQVDELOLWjSHU-
VRQDOHLFKHOH¿UPHDXWRJUDIHDSSRVWHVXOODSUHVHQWHGRPDQGDVRQRYHUHHGDXWHQWLFKHHFKHVRQRVWDWHDSSRVWHSHUVRQDOPHQWHGDOULFKLHGHQWHHGHYHQWXDOH
JDUDQWHRYYHURLLFKHLQFDVRGLDSSRVL]LRQHGL¿UPDHOHWWURQLFDLQWXWWHOHVXHIRUPHOH¿UPHVRQRVWDWHDSSRVWHSHUVRQDOPHQWHGDOULFKLHGHQWHHGHYHQWXDOH
JDUDQWHHLQ¿QHLLLFKHOHORURJHQHUDOLWjVRQRVWDWHYHUL¿FDWHGDLGRFXPHQWLGLLGHQWLWjHVLELWLLQRULJLQDOHHGHVDWWDPHWHULSRUWDWHVXOODGRPDQGDVWHVVD
*000001522873*
GDL SPA - VIA ORBETELLO 54/D - TORINO

FIRMA DELL’INCARICATO ALL’IDENTIFICAZIONE

DATI ANAGRAFICI
Cognome Nome
ANTONIAZZI BRANDELLI VINICIUS
Nato/a il a 3URY Nazionalità Codice Fiscale
11/06/1984 BRASILE EE ITALIA NTNVCS84H11Z602H
Residenza

Indirizzo Comune 3URY &$3

LARGO C.CANTU' 8 FIRENZE FI 50134
Telefono Cellulare e-mail
333 4911360 VINIBRANDELLI@GMAIL.COM

Domicilio (se diverso da residenza)

Indirizzo Comune 3URY &$3

Imposta di bollo, ove dovuta, assolta in modo virtuale. Autorizz. Int. Fin. di Milano n. 3/1532/97 del 12.02.97

Documento d’Identità Numero Rilasciato da Il Scadenza

Carta Identità Elettronica CA27953HV Comune 7/01/2021 11/06/2031

Tipo di Abitazione dal Costo Altri prestiti €

Di proprieta' 01/2010
Stato Civile N° Membri famiglia Di cui lavoratori Altri redditi €
Coniugato 2 2

DATI LAVORO
Occupazione Tipo di Attività
OPERAIO LAVORATORE DIPENDENTE
Settore di Attività Datore di Lavoro
Servizi MODIMEX SRL
Indirizzo Comune Prov &$3
VIA TEVERE 24 SESTO FIORENTINO FI 50019
Telefono Tipo di Contratto Assunto dal Reddito Mensilità
055 315222 A tempo indeterminato 05/2021 € 1.800,00 14

DATI GARANTE
Cognome Nome

Nato/a il a 3URY Nazionalità Codice Fiscale

Residenza

Indirizzo Comune 3URY &$3

Telefono Cellulare e-mail

Domicilio (se diverso da residenza)

Indirizzo Comune 3URY &$3

Documento d’Identità Numero Rilasciato da Il Scadenza

Tipo di Abitazione dal Costo Altri prestiti €

Stato Civile N° Membri famiglia Di cui lavoratori Altri redditi €

DATI LAVORO GARANTE

Occupazione Tipo di Attività

Settore di Attività Datore di Lavoro

Indirizzo Comune Prov &$3

Telefono Tipo di Contratto Assunto dal Reddito Mensilità

CONDIZIONI ECONOMICHE DEL PRESTITO FINALIZZATO

2SHUD]LRQHGL¿QDQ]LDPHQWRDVVRJJHWWDWDSHURS]LRQHDOO¶LPSRVWDVRVWLWXWLYDGLFXL
X
Tabella: N72 - Preammortamento 150 giorni.
DOO¶DUWG35QQRQDVVRJJHWWDWD
17,40 % &RVWLLQFOXVL Spese di istruttoria € 80,00 Imposta di bollo / imposta sostitutiva € 12,45
7$1ÀVVR
14,069 %
TAEG Spese incasso rata € 3,00 Spese invio Rendiconto € 1,20
nel TAEG: Interessi € 806,64 Imposta di bollo su Rendiconto € 0,00
€ 321,48 * La prima rata è aumentata dell’importo Importo richiesto € 19.600,00 +
1XPHUR 18
5DWDPHQVLOH
* la rata comprende
la quota di eventuali
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