{"id":1189,"date":"2025-06-18T10:52:25","date_gmt":"2025-06-18T10:52:25","guid":{"rendered":"https:\/\/grouppobccspa.com\/?page_id=1189"},"modified":"2025-06-28T16:36:51","modified_gmt":"2025-06-28T14:36:51","slug":"convenzioni","status":"publish","type":"page","link":"https:\/\/finanzionag.com\/?page_id=1189","title":{"rendered":"NOIPA\/MEF\/INPS\/EX-INPDAP\/MIUR-KONVENTION"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1189\" class=\"elementor elementor-1189\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a3deb21 e-flex e-con-boxed e-con e-parent\" data-id=\"2a3deb21\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-76a58747 e-con-full e-flex e-con e-child\" data-id=\"76a58747\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecee9ac elementor-widget elementor-widget-heading\" data-id=\"ecee9ac\" data-element_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\">NOIPA\/MEF\/INPS\/EX-INPDAP\/MIUR-KONVENTION<\/h1>\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<div class=\"elementor-element elementor-element-a6ab95f e-flex e-con-boxed e-con e-parent\" data-id=\"a6ab95f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee10d9e elementor-widget elementor-widget-spacer\" data-id=\"ee10d9e\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-223e8fc e-flex e-con-boxed e-con e-parent\" data-id=\"223e8fc\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-896b1a1 elementor-widget elementor-widget-text-editor\" data-id=\"896b1a1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"w-richtext\"><h3 data-start=\"72\" data-end=\"122\"><strong data-start=\"76\" data-end=\"122\">VEREINBARUNG NOIPA\/MEF\/INPS\/EX-INPDAP\/MIUR<\/strong><\/h3><p data-start=\"124\" data-end=\"566\">Die Vereinbarungen zwischen <strong data-start=\"152\" data-end=\"161\">NoiPA<\/strong>, <strong data-start=\"163\" data-end=\"170\">MEF<\/strong>, <strong data-start=\"172\" data-end=\"190\">INPS\/Ex-INPDAP<\/strong> und <strong data-start=\"195\" data-end=\"203\">MIUR<\/strong> sind Abkommen zwischen \u00f6ffentlichen Einrichtungen und Kreditinstituten. Sie zielen darauf ab, den Zugang zu <strong data-start=\"312\" data-end=\"371\">Darlehen \u00fcber die Lohnabtretung (\u00ab\u00a0cessione del quinto\u00a0\u00bb)<\/strong> zu erleichtern \u2013 mit <strong data-start=\"393\" data-end=\"421\">beg\u00fcnstigten Bedingungen<\/strong>, <strong data-start=\"423\" data-end=\"438\">Transparenz<\/strong> und <strong data-start=\"443\" data-end=\"476\">wettbewerbsf\u00e4higen Zinss\u00e4tzen<\/strong>. Im Folgenden findest du die Einzelheiten zu jeder Vereinbarung und deren Besonderheiten.<\/p><hr data-start=\"568\" data-end=\"571\" \/><h3 data-start=\"573\" data-end=\"606\"><strong data-start=\"577\" data-end=\"606\">1. Vereinbarung mit NoiPA<\/strong><\/h3><p data-start=\"608\" data-end=\"892\"><strong data-start=\"608\" data-end=\"617\">NoiPA<\/strong> ist das vom <strong data-start=\"630\" data-end=\"679\">Ministerium f\u00fcr Wirtschaft und Finanzen (MEF)<\/strong> verwaltete System zur Gehaltsverwaltung f\u00fcr \u00f6ffentlich Bedienstete. Die Vereinbarung mit NoiPA erm\u00f6glicht es <strong data-start=\"789\" data-end=\"834\">staatlichen und \u00f6ffentlichen Angestellten<\/strong>, <strong data-start=\"836\" data-end=\"879\">Privatkredite mit direktem Gehaltsabzug<\/strong> zu erhalten.<\/p><h4 data-start=\"894\" data-end=\"914\">Hauptmerkmale :<\/h4><ul data-start=\"916\" data-end=\"1660\"><li data-start=\"916\" data-end=\"1009\"><p data-start=\"918\" data-end=\"1009\"><strong data-start=\"918\" data-end=\"932\">Zielgruppe<\/strong>: \u00d6ffentliche und staatliche Bedienstete, die ihr Gehalt \u00fcber NoiPA erhalten.<\/p><\/li><li data-start=\"1011\" data-end=\"1230\"><p data-start=\"1013\" data-end=\"1027\"><strong data-start=\"1013\" data-end=\"1025\">Vorteile<\/strong> :<\/p><ul data-start=\"1030\" data-end=\"1230\"><li data-start=\"1030\" data-end=\"1101\"><p data-start=\"1032\" data-end=\"1101\">Verg\u00fcnstigte Zinss\u00e4tze, die durch die Vereinbarung festgelegt sind.<\/p><\/li><li data-start=\"1104\" data-end=\"1174\"><p data-start=\"1106\" data-end=\"1174\">Vereinfachte Verfahren dank der direkten Zusammenarbeit mit NoiPA.<\/p><\/li><li data-start=\"1177\" data-end=\"1230\"><p data-start=\"1179\" data-end=\"1230\">Automatische R\u00fcckzahlung der Raten durch Lohnabzug.<\/p><\/li><\/ul><\/li><li data-start=\"1232\" data-end=\"1281\"><p data-start=\"1234\" data-end=\"1281\"><strong data-start=\"1234\" data-end=\"1246\">Laufzeit<\/strong>: Bis zu <strong data-start=\"1255\" data-end=\"1267\">10 Jahre<\/strong> (120 Monate).<\/p><\/li><li data-start=\"1283\" data-end=\"1441\"><p data-start=\"1285\" data-end=\"1303\"><strong data-start=\"1285\" data-end=\"1301\">Sicherheiten<\/strong> :<\/p><ul data-start=\"1306\" data-end=\"1441\"><li data-start=\"1306\" data-end=\"1441\"><p data-start=\"1308\" data-end=\"1441\">Die <strong data-start=\"1312\" data-end=\"1364\">Stabilit\u00e4t des \u00f6ffentlichen Arbeitsverh\u00e4ltnisses<\/strong> senkt das Risiko f\u00fcr die Kreditinstitute und erm\u00f6glicht bessere Konditionen.<\/p><\/li><\/ul><\/li><li data-start=\"1443\" data-end=\"1660\"><p data-start=\"1445\" data-end=\"1475\"><strong data-start=\"1445\" data-end=\"1473\">Erforderliche Unterlagen<\/strong> :<\/p><ul data-start=\"1478\" data-end=\"1660\"><li data-start=\"1478\" data-end=\"1515\"><p data-start=\"1480\" data-end=\"1515\">Ausweisdokument und Steuernummer.<\/p><\/li><li data-start=\"1518\" data-end=\"1563\"><p data-start=\"1520\" data-end=\"1563\">Die <strong data-start=\"1524\" data-end=\"1560\">letzten zwei Gehaltsabrechnungen<\/strong>.<\/p><\/li><li data-start=\"1566\" data-end=\"1660\"><p data-start=\"1568\" data-end=\"1660\"><strong data-start=\"1568\" data-end=\"1589\">Gehaltszertifikat<\/strong>, das \u00fcber NoiPA ausgestellt wird und den abtretbaren Betrag best\u00e4tigt.<\/p><\/li><\/ul><\/li><\/ul><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-486d987 elementor-widget elementor-widget-text-editor\" data-id=\"486d987\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"128\" data-end=\"197\"><strong data-start=\"132\" data-end=\"197\">2. Vereinbarung MEF (Ministerium f\u00fcr Wirtschaft und Finanzen)<\/strong><\/h3><p data-start=\"199\" data-end=\"425\">Die <strong data-start=\"203\" data-end=\"223\">MEF-Vereinbarung<\/strong> richtet sich haupts\u00e4chlich an die Angestellten der \u00f6ffentlichen und staatlichen Verwaltungen, die <strong data-start=\"322\" data-end=\"359\">nicht direkt \u00fcber NoiPA verwaltet<\/strong> werden, wie z.\u202fB. bestimmte Bereiche der \u00f6ffentlichen Verwaltung.<\/p><h4 data-start=\"427\" data-end=\"446\">Hauptmerkmale:<\/h4><ul data-start=\"448\" data-end=\"1021\"><li data-start=\"448\" data-end=\"570\"><p data-start=\"450\" data-end=\"570\"><strong data-start=\"450\" data-end=\"464\">Zielgruppe<\/strong> : Angestellte von Ministerien, \u00f6ffentlichen Einrichtungen, Streitkr\u00e4ften und anderen staatlichen Organen.<\/p><\/li><li data-start=\"572\" data-end=\"800\"><p data-start=\"574\" data-end=\"588\"><strong data-start=\"574\" data-end=\"586\">Vorteile<\/strong> :<\/p><ul data-start=\"591\" data-end=\"800\"><li data-start=\"591\" data-end=\"653\"><p data-start=\"593\" data-end=\"653\">Wettbewerbsf\u00e4hige Zinss\u00e4tze im Vergleich zum freien Markt.<\/p><\/li><li data-start=\"656\" data-end=\"737\"><p data-start=\"658\" data-end=\"737\">Raten werden direkt vom Gehalt einbehalten dank der Vereinbarung mit dem MEF.<\/p><\/li><li data-start=\"740\" data-end=\"800\"><p data-start=\"742\" data-end=\"800\">Einfacherer Zugang im Vergleich zu herk\u00f6mmlichen Krediten.<\/p><\/li><\/ul><\/li><li data-start=\"802\" data-end=\"1021\"><p data-start=\"804\" data-end=\"844\"><strong data-start=\"804\" data-end=\"842\">Unterschiede im Vergleich zu NoiPA<\/strong> :<\/p><ul data-start=\"847\" data-end=\"1021\"><li data-start=\"847\" data-end=\"1021\"><p data-start=\"849\" data-end=\"1021\">Nicht alle MEF-Angestellten werden von NoiPA verwaltet ; in solchen F\u00e4llen erfolgt die Abwicklung direkt zwischen dem Kreditinstitut und der zust\u00e4ndigen Verwaltungseinheit.<\/p><\/li><\/ul><\/li><\/ul>\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-6c60e98 elementor-widget elementor-widget-text-editor\" data-id=\"6c60e98\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>3. Convenzione INPS\/Ex-INPDAP<\/h2><p>La convenzione INPS (e la precedente INPDAP, ora incorporata) \u00e8 destinata sia ai dipendenti pubblici che ai pensionati. L&rsquo;INPS gestisce direttamente la concessione della cessione del quinto a condizioni agevolate per pensionati e dipendenti statali attraverso il Fondo Credito INPS.<\/p><h2>Caratteristiche principali:<\/h2><p>\u25cf\u00a0<strong>Destinatari<\/strong>:<\/p><p class=\"paragraph-63\">\u25cb Pensionati INPS (compresi ex-INPDAP).<br \/>\u25cb Dipendenti pubblici iscritti alla gestione ex-INPDAP.<\/p><p>\u25cf\u00a0<strong>Vantaggi<\/strong>:<\/p><p class=\"paragraph-60\">\u25cb Tassi d\u2019interesse agevolati fissati dall\u2019INPS.<br \/>\u25cb Massima trasparenza, grazie alla regolamentazione dell\u2019ente.<br \/>\u25cb Polizze assicurative sul rischio vita e impiego incluse nei costi.<br \/>\u25cb Per i pensionati, la rata non pu\u00f2 superare il quinto della pensione netta, garantendo il minimo vitale.<\/p><p>\u25cf\u00a0<strong>Documenti necessari<\/strong>:<\/p><p class=\"paragraph-66\">\u25cb Per i pensionati: certificato di quota cedibile emesso dall\u2019INPS.<br \/>\u25cb Per i dipendenti pubblici: buste paga e certificato di stipendio.<\/p>\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-5e292db elementor-widget elementor-widget-text-editor\" data-id=\"5e292db\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"90\" data-end=\"118\"><strong data-start=\"94\" data-end=\"118\">4. Vereinbarung MIUR<\/strong><\/h3><p data-start=\"120\" data-end=\"383\">Das <strong data-start=\"124\" data-end=\"132\">MIUR<\/strong> (<em data-start=\"134\" data-end=\"188\">Ministerium f\u00fcr Bildung, Universit\u00e4ten und Forschung<\/em>) verf\u00fcgt \u00fcber eine spezielle Vereinbarung f\u00fcr <strong data-start=\"235\" data-end=\"280\">Besch\u00e4ftigte im Schul- und Hochschulwesen<\/strong>, die den Zugang zur <strong data-start=\"301\" data-end=\"371\">Lohnabtretung (\u201ecessione del quinto\u201c) zu vorteilhaften Bedingungen<\/strong> erm\u00f6glicht.<\/p><h4 data-start=\"385\" data-end=\"405\">Hauptmerkmale :<\/h4><ul data-start=\"407\" data-end=\"1047\"><li data-start=\"407\" data-end=\"520\"><p data-start=\"409\" data-end=\"425\"><strong data-start=\"409\" data-end=\"423\">Zielgruppe<\/strong> :<\/p><ul data-start=\"428\" data-end=\"520\"><li data-start=\"428\" data-end=\"491\"><p data-start=\"430\" data-end=\"491\">Lehrkr\u00e4fte und Verwaltungspersonal an \u00f6ffentlichen Schulen.<\/p><\/li><li data-start=\"494\" data-end=\"520\"><p data-start=\"496\" data-end=\"520\">Universit\u00e4tsangestellte.<\/p><\/li><\/ul><\/li><li data-start=\"522\" data-end=\"865\"><p data-start=\"524\" data-end=\"538\"><strong data-start=\"524\" data-end=\"536\">Vorteile<\/strong> :<\/p><ul data-start=\"541\" data-end=\"865\"><li data-start=\"541\" data-end=\"622\"><p data-start=\"543\" data-end=\"622\">Zugang zu g\u00fcnstigeren Zinss\u00e4tzen im Vergleich zum traditionellen Kreditmarkt.<\/p><\/li><li data-start=\"625\" data-end=\"698\"><p data-start=\"627\" data-end=\"698\">Direkter Gehaltsabzug, garantiert durch den \u00f6ffentlichen Arbeitgeber.<\/p><\/li><li data-start=\"701\" data-end=\"777\"><p data-start=\"703\" data-end=\"777\">Keine Sicherheiten erforderlich, da die Rate automatisch abgezogen wird.<\/p><\/li><li data-start=\"780\" data-end=\"865\"><p data-start=\"782\" data-end=\"865\">M\u00f6glichkeit, die Laufzeit der Finanzierung auf bis zu <strong data-start=\"836\" data-end=\"850\">120 Monate<\/strong> zu verl\u00e4ngern.<\/p><\/li><\/ul><\/li><li data-start=\"867\" data-end=\"1047\"><p data-start=\"869\" data-end=\"899\"><strong data-start=\"869\" data-end=\"897\">Erforderliche Unterlagen<\/strong> :<\/p><ul data-start=\"902\" data-end=\"1047\"><li data-start=\"902\" data-end=\"961\"><p data-start=\"904\" data-end=\"961\">Gehaltszertifikat, ausgestellt von der Schulverwaltung.<\/p><\/li><li data-start=\"964\" data-end=\"1009\"><p data-start=\"966\" data-end=\"1009\">Die <strong data-start=\"970\" data-end=\"1006\">letzten zwei Gehaltsabrechnungen<\/strong>.<\/p><\/li><li data-start=\"1012\" data-end=\"1047\"><p data-start=\"1014\" data-end=\"1047\">Ausweisdokument und Steuernummer.<\/p><\/li><\/ul><\/li><\/ul>\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-a87da72 elementor-widget elementor-widget-text-editor\" data-id=\"a87da72\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"w-richtext\"><h3 data-start=\"107\" data-end=\"153\"><strong data-start=\"111\" data-end=\"153\">Allgemeine Vorteile der Vereinbarungen<\/strong><\/h3><ol data-start=\"155\" data-end=\"188\"><li data-start=\"155\" data-end=\"188\"><p data-start=\"158\" data-end=\"188\"><strong data-start=\"158\" data-end=\"186\">Verg\u00fcnstigte Konditionen<\/strong> :<\/p><\/li><\/ol><ul data-start=\"192\" data-end=\"302\"><li data-start=\"192\" data-end=\"259\"><p data-start=\"194\" data-end=\"259\">Niedrigere Zinss\u00e4tze im Vergleich zu nicht-gebundenen Krediten.<\/p><\/li><li data-start=\"262\" data-end=\"302\"><p data-start=\"264\" data-end=\"302\">Kein Bedarf an B\u00fcrgen oder Hypotheken.<\/p><\/li><\/ul><ol start=\"2\" data-start=\"304\" data-end=\"323\"><li data-start=\"304\" data-end=\"323\"><p data-start=\"307\" data-end=\"323\"><strong data-start=\"307\" data-end=\"321\">Sicherheit<\/strong> :<\/p><\/li><\/ol><ul data-start=\"327\" data-end=\"554\"><li data-start=\"327\" data-end=\"430\"><p data-start=\"329\" data-end=\"430\">Die Raten werden direkt vom Gehalt oder von der Rente einbehalten, was das Ausfallrisiko reduziert.<\/p><\/li><li data-start=\"433\" data-end=\"554\"><p data-start=\"435\" data-end=\"554\">Obligatorische Versicherungen zur Absicherung gegen Lebensrisiken (f\u00fcr Rentner) oder Arbeitsrisiken (f\u00fcr Besch\u00e4ftigte).<\/p><\/li><\/ul><ol start=\"3\" data-start=\"556\" data-end=\"576\"><li data-start=\"556\" data-end=\"576\"><p data-start=\"559\" data-end=\"576\"><strong data-start=\"559\" data-end=\"574\">Transparenz<\/strong> :<\/p><\/li><\/ol><ul data-start=\"580\" data-end=\"662\"><li data-start=\"580\" data-end=\"662\"><p data-start=\"582\" data-end=\"662\">Die Vereinbarungen sehen klare Regeln vor, um nachteilige Klauseln zu vermeiden.<\/p><\/li><\/ul><ol start=\"4\" data-start=\"664\" data-end=\"687\"><li data-start=\"664\" data-end=\"687\"><p data-start=\"667\" data-end=\"687\"><strong data-start=\"667\" data-end=\"685\">Zug\u00e4nglichkeit<\/strong> :<\/p><\/li><\/ol><ul data-start=\"691\" data-end=\"850\"><li data-start=\"691\" data-end=\"850\"><p data-start=\"693\" data-end=\"850\">Auch Personen, die in der Vergangenheit finanzielle Schwierigkeiten hatten (z.\u202fB. Eintr\u00e4ge bei der CRIF), k\u00f6nnen leichter auf diese Art von Kredit zugreifen.<\/p><\/li><\/ul><hr data-start=\"852\" data-end=\"855\" \/><h3 data-start=\"857\" data-end=\"870\"><strong data-start=\"861\" data-end=\"870\">Fazit<\/strong><\/h3><p data-start=\"872\" data-end=\"1388\">Die Vereinbarungen mit <strong data-start=\"895\" data-end=\"904\">NoiPA<\/strong>, <strong data-start=\"906\" data-end=\"913\">MEF<\/strong>, <strong data-start=\"915\" data-end=\"933\">INPS\/Ex-INPDAP<\/strong> und <strong data-start=\"938\" data-end=\"946\">MIUR<\/strong> stellen eine gro\u00dfe Chance f\u00fcr <strong data-start=\"977\" data-end=\"1035\">\u00f6ffentliche Bedienstete, Staatsangestellte und Rentner<\/strong> dar, da sie den Zugang zur <strong data-start=\"1063\" data-end=\"1088\">\u201eCessione del quinto\u201c<\/strong> mit <strong data-start=\"1093\" data-end=\"1117\">g\u00fcnstigen Zinss\u00e4tzen<\/strong>, <strong data-start=\"1119\" data-end=\"1143\">transparenten Kosten<\/strong> und einem <strong data-start=\"1154\" data-end=\"1195\">automatischen R\u00fcckzahlungsmechanismus<\/strong> erm\u00f6glichen. Die Wahl der jeweiligen Vereinbarung h\u00e4ngt von der Zugeh\u00f6rigkeit des Antragstellers zur entsprechenden Verwaltung (NoiPA, MEF, MIUR) oder davon ab, ob er Rentner bei der INPS ist.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e7ddc5 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8e7ddc5\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finanzionag.com\/?page_id=15\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Kontaktieren Sie uns<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>NOIPA\/MEF\/INPS\/EX-INPDAP\/MIUR-KONVENTION VEREINBARUNG NOIPA\/MEF\/INPS\/EX-INPDAP\/MIUR Die Vereinbarungen zwischen NoiPA, MEF, INPS\/Ex-INPDAP und MIUR sind Abkommen zwischen \u00f6ffentlichen Einrichtungen und Kreditinstituten. Sie zielen darauf ab, den Zugang zu Darlehen \u00fcber die Lohnabtretung (\u00ab\u00a0cessione del quinto\u00a0\u00bb) zu erleichtern \u2013 mit beg\u00fcnstigten Bedingungen, Transparenz und wettbewerbsf\u00e4higen Zinss\u00e4tzen. Im Folgenden findest du die Einzelheiten zu jeder Vereinbarung und deren Besonderheiten. 1. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","footnotes":""},"class_list":["post-1189","page","type-page","status-publish","hentry","entry"],"_links":{"self":[{"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/pages\/1189","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finanzionag.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1189"}],"version-history":[{"count":13,"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/pages\/1189\/revisions"}],"predecessor-version":[{"id":2440,"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/pages\/1189\/revisions\/2440"}],"wp:attachment":[{"href":"https:\/\/finanzionag.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}