{"id":1202,"date":"2025-06-18T11:00:17","date_gmt":"2025-06-18T11:00:17","guid":{"rendered":"https:\/\/grouppobccspa.com\/?page_id=1202"},"modified":"2025-06-28T16:28:26","modified_gmt":"2025-06-28T14:28:26","slug":"polizze-assicurative-nella-cessione-del-quinto","status":"publish","type":"page","link":"https:\/\/finanzionag.com\/?page_id=1202","title":{"rendered":"Darlehen an Mitarbeiter von Kleinbetrieben"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1202\" class=\"elementor elementor-1202\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cd2b24 e-flex e-con-boxed e-con e-parent\" data-id=\"3cd2b24\" 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-323d48e elementor-widget elementor-widget-spacer\" data-id=\"323d48e\" 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-62a63fe e-flex e-con-boxed e-con e-parent\" data-id=\"62a63fe\" 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-57db7ae elementor-widget elementor-widget-text-editor\" data-id=\"57db7ae\" 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=\"114\" data-end=\"165\"><strong data-start=\"118\" data-end=\"165\">KREDITE F\u00dcR ANGESTELLTE KLEINER UNTERNEHMEN<\/strong><\/h3><p data-start=\"167\" data-end=\"616\">Die <strong data-start=\"171\" data-end=\"196\">\u201eCessione del quinto\u201c<\/strong> f\u00fcr Angestellte von <strong data-start=\"217\" data-end=\"240\">kleinen Unternehmen<\/strong> (mit weniger als 15 Mitarbeitern) ist eine weniger verbreitete Finanzierungsl\u00f6sung im Vergleich zu jener, die \u00f6ffentlichen Bediensteten oder Angestellten gro\u00dfer Unternehmen angeboten wird. Der Grund daf\u00fcr liegt im <strong data-start=\"455\" data-end=\"486\">h\u00f6her eingesch\u00e4tzten Risiko<\/strong> durch die Kreditinstitute, da kleine Unternehmen oft \u00fcber eine <strong data-start=\"550\" data-end=\"606\">geringere wirtschaftliche und finanzielle Stabilit\u00e4t<\/strong> verf\u00fcgen.<\/p><p data-start=\"618\" data-end=\"692\">Hier sind die Merkmale und spezifischen Anforderungen f\u00fcr diese Kategorie:<\/p><hr data-start=\"694\" data-end=\"697\" \/><h3 data-start=\"699\" data-end=\"778\"><strong data-start=\"703\" data-end=\"778\">Merkmale der \u201eCessione del quinto\u201c f\u00fcr Angestellte von Kleinunternehmen<\/strong><\/h3><ol data-start=\"780\" data-end=\"1664\"><li data-start=\"780\" data-end=\"961\"><p data-start=\"783\" data-end=\"961\"><strong data-start=\"783\" data-end=\"815\">Vom Gehalt einbehaltene Rate<\/strong> : Wie bei jeder \u201eCessione del quinto\u201c darf die monatliche Rate <strong data-start=\"879\" data-end=\"901\">20\u202f% (ein F\u00fcnftel)<\/strong> des <strong data-start=\"906\" data-end=\"922\">Nettogehalts<\/strong> des Arbeitnehmers nicht \u00fcberschreiten.<\/p><\/li><li data-start=\"963\" data-end=\"1016\"><p data-start=\"966\" data-end=\"1016\"><strong data-start=\"966\" data-end=\"987\">Maximale Laufzeit<\/strong> : <strong data-start=\"990\" data-end=\"1004\">120 Monate<\/strong> (10 Jahre).<\/p><\/li><li data-start=\"1018\" data-end=\"1240\"><p data-start=\"1021\" data-end=\"1240\"><strong data-start=\"1021\" data-end=\"1046\">Strengere Bedingungen<\/strong> : Die Kreditinstitute wenden bei der Risikobewertung <strong data-start=\"1100\" data-end=\"1123\">strengere Kriterien<\/strong> an, insbesondere im Hinblick auf die <strong data-start=\"1161\" data-end=\"1191\">Solidit\u00e4t des Unternehmens<\/strong> und die <strong data-start=\"1200\" data-end=\"1239\">Stabilit\u00e4t des Arbeitsverh\u00e4ltnisses<\/strong>.<\/p><\/li><li data-start=\"1242\" data-end=\"1470\"><p data-start=\"1245\" data-end=\"1271\"><strong data-start=\"1245\" data-end=\"1269\">Versicherungspflicht<\/strong> :<\/p><ul data-start=\"1275\" data-end=\"1470\"><li data-start=\"1275\" data-end=\"1341\"><p data-start=\"1277\" data-end=\"1341\"><strong data-start=\"1277\" data-end=\"1293\">Lebensrisiko<\/strong> : Obligatorische Absicherung in allen F\u00e4llen.<\/p><\/li><li data-start=\"1345\" data-end=\"1470\"><p data-start=\"1347\" data-end=\"1470\"><strong data-start=\"1347\" data-end=\"1369\">Arbeitsplatzrisiko<\/strong> : Besonders wichtig, um bei Arbeitsplatzverlust oder Insolvenz des Unternehmens abgesichert zu sein.<\/p><\/li><\/ul><\/li><li data-start=\"1472\" data-end=\"1664\"><p data-start=\"1475\" data-end=\"1664\"><strong data-start=\"1475\" data-end=\"1495\">H\u00f6here Zinss\u00e4tze<\/strong> : Aufgrund des h\u00f6heren Risikos k\u00f6nnen <strong data-start=\"1534\" data-end=\"1541\">TAN<\/strong> (nominaler Zinssatz) und <strong data-start=\"1567\" data-end=\"1575\">TAEG<\/strong> (effektiver Jahreszins) h\u00f6her sein als bei Krediten an Angestellte gr\u00f6\u00dferer Unternehmen.<\/p><\/li><\/ol>\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-f8497a4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f8497a4\" 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<div class=\"elementor-element elementor-element-6f678a7 elementor-widget elementor-widget-text-editor\" data-id=\"6f678a7\" 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=\"144\" data-end=\"178\"><strong data-start=\"148\" data-end=\"178\">Wichtigste Anforderungen :<\/strong><\/h3><ol data-start=\"180\" data-end=\"796\"><li data-start=\"180\" data-end=\"456\"><p data-start=\"183\" data-end=\"219\"><strong data-start=\"183\" data-end=\"217\">Stabilit\u00e4t des Arbeitsvertrags<\/strong> :<\/p><ul data-start=\"224\" data-end=\"456\"><li data-start=\"224\" data-end=\"282\"><p data-start=\"226\" data-end=\"282\">Der Arbeitnehmer muss <strong data-start=\"248\" data-end=\"274\">unbefristet angestellt<\/strong> sein.<\/p><\/li><li data-start=\"286\" data-end=\"456\"><p data-start=\"288\" data-end=\"456\">Einige Kreditinstitute verlangen eine <strong data-start=\"326\" data-end=\"359\">l\u00e4ngere Betriebszugeh\u00f6rigkeit<\/strong> (zwischen <strong data-start=\"370\" data-end=\"391\">12 und 24 Monaten<\/strong>), im Vergleich zu den <strong data-start=\"414\" data-end=\"430\">6\u201312 Monaten<\/strong> bei gr\u00f6\u00dferen Unternehmen.<\/p><\/li><\/ul><\/li><li data-start=\"458\" data-end=\"796\"><p data-start=\"461\" data-end=\"505\"><strong data-start=\"461\" data-end=\"503\">Finanzielle Solidit\u00e4t des Unternehmens<\/strong> :<\/p><ul data-start=\"510\" data-end=\"796\"><li data-start=\"510\" data-end=\"648\"><p data-start=\"512\" data-end=\"648\">Das Unternehmen muss <strong data-start=\"533\" data-end=\"559\">finanzielle Gesundheit<\/strong> nachweisen, mit <strong data-start=\"576\" data-end=\"611\">guter wirtschaftlicher Leistung<\/strong> und <strong data-start=\"616\" data-end=\"645\">betrieblichen Kontinuit\u00e4t<\/strong>.<\/p><\/li><li data-start=\"652\" data-end=\"796\"><p data-start=\"654\" data-end=\"796\">Bei Unternehmen mit weniger als 15 Mitarbeitern wird das Risiko als h\u00f6her eingesch\u00e4tzt, insbesondere in wirtschaftlich <strong data-start=\"773\" data-end=\"795\">volatilen Branchen<\/strong>.<\/p><\/li><\/ul><\/li><\/ol><hr data-start=\"798\" data-end=\"801\" \/><h3 data-start=\"803\" data-end=\"853\"><strong data-start=\"807\" data-end=\"853\">Vom Arbeitnehmer vorzulegende Unterlagen :<\/strong><\/h3><ol data-start=\"855\" data-end=\"1282\"><li data-start=\"855\" data-end=\"1024\"><p data-start=\"858\" data-end=\"885\"><strong data-start=\"858\" data-end=\"883\">Pers\u00f6nliche Dokumente<\/strong> :<\/p><ul data-start=\"889\" data-end=\"1024\"><li data-start=\"889\" data-end=\"917\"><p data-start=\"891\" data-end=\"917\">G\u00fcltiges Ausweisdokument<\/p><\/li><li data-start=\"921\" data-end=\"976\"><p data-start=\"923\" data-end=\"976\"><strong data-start=\"923\" data-end=\"939\">Steuernummer<\/strong> oder <strong data-start=\"945\" data-end=\"974\">Krankenversicherungskarte<\/strong><\/p><\/li><li data-start=\"980\" data-end=\"1024\"><p data-start=\"982\" data-end=\"1024\"><strong data-start=\"982\" data-end=\"1002\">Aufenthaltstitel<\/strong> (f\u00fcr Nicht-EU-B\u00fcrger)<\/p><\/li><\/ul><\/li><li data-start=\"1026\" data-end=\"1282\"><p data-start=\"1029\" data-end=\"1058\"><strong data-start=\"1029\" data-end=\"1056\">Besch\u00e4ftigungsnachweise<\/strong> :<\/p><ul data-start=\"1062\" data-end=\"1282\"><li data-start=\"1062\" data-end=\"1101\"><p data-start=\"1064\" data-end=\"1101\"><strong data-start=\"1064\" data-end=\"1099\">Letzte drei Gehaltsabrechnungen<\/strong><\/p><\/li><li data-start=\"1105\" data-end=\"1187\"><p data-start=\"1107\" data-end=\"1187\"><strong data-start=\"1107\" data-end=\"1148\">Einheitliche Steuerbescheinigung (CU)<\/strong> des laufenden oder vorherigen Jahres<\/p><\/li><li data-start=\"1191\" data-end=\"1282\"><p data-start=\"1193\" data-end=\"1282\"><strong data-start=\"1193\" data-end=\"1208\">Kontoauszug<\/strong>, falls erforderlich, um die regelm\u00e4\u00dfige Zahlung des Gehalts zu \u00fcberpr\u00fcfen<\/p><\/li><\/ul><\/li><\/ol><hr data-start=\"1284\" data-end=\"1287\" \/><h3 data-start=\"1289\" data-end=\"1333\"><strong data-start=\"1293\" data-end=\"1333\">Unterschiede im Vergleich zu NoiPA :<\/strong><\/h3><ul data-start=\"1335\" data-end=\"1522\"><li data-start=\"1335\" data-end=\"1522\"><p data-start=\"1337\" data-end=\"1522\">Nicht alle Mitarbeiter des MEF werden \u00fcber NoiPA verwaltet. In diesen F\u00e4llen <strong data-start=\"1414\" data-end=\"1489\">kommunizieren die Kreditinstitute direkt mit der zust\u00e4ndigen Verwaltung<\/strong> zur Abwicklung der Formalit\u00e4ten.<\/p><\/li><\/ul>\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<div class=\"elementor-element elementor-element-1aede3d e-flex e-con-boxed e-con e-parent\" data-id=\"1aede3d\" 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-2d0bf50 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2d0bf50\" 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>KREDITE F\u00dcR ANGESTELLTE KLEINER UNTERNEHMEN Die \u201eCessione del quinto\u201c f\u00fcr Angestellte von kleinen Unternehmen (mit weniger als 15 Mitarbeitern) ist eine weniger verbreitete Finanzierungsl\u00f6sung im Vergleich zu jener, die \u00f6ffentlichen Bediensteten oder Angestellten gro\u00dfer Unternehmen angeboten wird. Der Grund daf\u00fcr liegt im h\u00f6her eingesch\u00e4tzten Risiko durch die Kreditinstitute, da kleine Unternehmen oft \u00fcber eine geringere [&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-1202","page","type-page","status-publish","hentry","entry"],"_links":{"self":[{"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/pages\/1202","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=1202"}],"version-history":[{"count":13,"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/pages\/1202\/revisions"}],"predecessor-version":[{"id":2437,"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/pages\/1202\/revisions\/2437"}],"wp:attachment":[{"href":"https:\/\/finanzionag.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}