Prestiti Cambializzati, Domande Frequenti

I prestiti cambializzati stanno sempre più aumentando in questo periodo di crisi economica e di lavoro precario e per questo motivo stanno notevolmente crescendo i dubbi, le perplessità e le domande che ogni persona si pone. Un valido aiuto e un supporto a tal proposito lo si può trovare sul sito www.guidaprestiticambializzati.it che in maniera semplice ed efficiente fornisce tutte le principali informazioni per chi si accinge a chiedere un prestito di questo tipo.

La prima domanda che ci si pone è sicuramente cosa sia un prestito cambializzato. Si tratta in sostanza di un prestito a tasso di interesse fisso che può essere ottenuto in maniera abbastanza rapida e che viene restituito attraverso l’utilizzo di cambiali. L’accettazione del prestito, infatti, avviene anche in sole 24-48 ore. Si possono richiedere tra i 2500 e i 60000 euro che devono essere restituiti in un periodo temporale che va dai 12 ai 120 mesi. A questo punto ci si chiede chi può fare richiesta di questa tipologia di prestito. Trattandosi di un prestito con titolo esecutivo, solo chi è in possesso di proprietà pignorabili ne potrà fare richiesta proprio perchè in caso di mancato pagamento delle cambiali, ci sarà il pignoramento dei beni del debitore. Il pagamento delle singole cambiali non può mai avvenire tramite bollettini bancari o con prelievo dal proprio conto, ma solo ed esclusivamente tramite sportello bancario.

Questo tipo di prestito può essere richiesto ed ottenuto anche da chi ha ottenuto una segnalazione alla Banca Dati della Centrale dei Rischi Finanziari, perciò anche chi viene considerato un cattivo pagatore perchè già protestato, ha comunque la possibilità di accedervi. Ne possono, inoltre, usufruire lavoratori autonomi, indipendenti, pensionati ed addirittura disoccupati. Naturalmente, però, già dopo il mancato pagamento di una singola cambiale, l’istituto che ha concesso il prestito può richiedere il pignoramento dei beni del debitore senza dover ricorrere ad un decreto ingiuntivo.

Ma chi eroga i prestiti cambializzati? Molti sono gli istituti che possono erogare dei prestiti cambializzati e, nello specifico, si tratta di istituti bancari (e in questo caso si può fare richiesta ad una banca anche se non se ne è già cliente), privati cittadini, broker e agenzie finanziarie. Il web è sicuramenete un utile strumento per ricercare tutti gli enti che offrono questo servizio.

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