{"id":832,"date":"2026-09-28T10:40:22","date_gmt":"2026-09-28T10:40:22","guid":{"rendered":"https:\/\/prestivana.com\/?page_id=832"},"modified":"2026-09-29T16:38:27","modified_gmt":"2026-09-29T16:38:27","slug":"credito-salariale-o-pensionistico","status":"publish","type":"page","link":"https:\/\/prestivana.com\/de\/credito-salariale-o-pensionistico\/","title":{"rendered":"Lohn- oder Rentenanrechnung"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"832\" class=\"elementor elementor-832\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8aa4f3 e-con-full e-flex e-con e-parent\" data-id=\"f8aa4f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4a0680 elementor-widget elementor-widget-html\" data-id=\"b4a0680\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.pv-hero{\n    width:100%;\n    background:#f7f9fb;\n    position:relative;\n    overflow:hidden;\n    font-family:'Plus Jakarta Sans',sans-serif;\n    color:#191c1e;\n}\n.pv-hero *{box-sizing:border-box}\n\n.pv-hero::before{\n    content:\"\";\n    position:absolute;\n    width:380px;\n    height:380px;\n    top:-130px;\n    right:25%;\n    background:rgba(220,225,255,.5);\n    border-radius:50%;\n    filter:blur(55px);\n    pointer-events:none;\n}\n\n.pv-hero-inner{\n    max-width:1280px;\n    margin:auto;\n    padding:64px 48px;\n    display:grid;\n    grid-template-columns:7fr 5fr;\n    gap:40px;\n    align-items:center;\n}\n\n.pv-hero-content{\n    display:flex;\n    flex-direction:column;\n    gap:16px;\n}\n\n.pv-hero h1{\n    margin:0;\n    font-size:56px;\n    line-height:1.08;\n    letter-spacing:-.03em;\n    font-weight:800;\n}\n\n.pv-hero h1 span{\n    color:#0049de;\n}\n\n.pv-hero-description{\n    margin:0;\n    max-width:680px;\n    color:#45464d;\n    font-size:18px;\n    line-height:28px;\n}\n\n.pv-hero-actions{\n    display:flex;\n    flex-wrap:wrap;\n    gap:16px;\n    padding-top:4px;\n}\n\n.pv-btn{\n    display:inline-flex;\n    align-items:center;\n    justify-content:center;\n    gap:8px;\n    padding:14px 24px;\n    border-radius:8px;\n    text-decoration:none;\n    font-size:14px;\n    font-weight:600;\n    transition:.2s ease;\n}\n\n.pv-btn-primary{\n    background:#0049de;\n    color:#fff;\n    box-shadow:0 4px 12px rgba(0,0,0,.12);\n}\n\n.pv-btn-primary:hover{\n    background:#2d64ff;\n    color:#fff;\n}\n\n.pv-btn-secondary{\n    background:#fff;\n    color:#191c1e;\n    box-shadow:0 2px 8px rgba(0,0,0,.06);\n}\n\n.pv-btn-secondary:hover{\n    background:#eceef0;\n}\n\n.pv-material{\n    font-family:'Material Symbols Outlined';\n    font-weight:normal;\n    font-style:normal;\n    font-size:18px;\n    line-height:1;\n}\n\n.pv-trust{\n    display:grid;\n    grid-template-columns:repeat(3,1fr);\n    gap:8px;\n    padding-top:16px;\n}\n\n.pv-trust-card{\n    display:flex;\n    align-items:center;\n    gap:8px;\n    background:#fff;\n    padding:12px;\n    border-radius:8px;\n    box-shadow:0 2px 8px rgba(0,0,0,.05);\n}\n\n.pv-trust-icon{\n    width:32px;\n    height:32px;\n    border-radius:50%;\n    display:flex;\n    align-items:center;\n    justify-content:center;\n    flex:none;\n    background:#dce1ff;\n    color:#001550;\n}\n\n.pv-trust-card:nth-child(2) .pv-trust-icon{\n    background:#6ffbbe;\n    color:#002113;\n}\n\n.pv-trust-title{\n    display:block;\n    font-size:12px;\n    line-height:16px;\n    font-weight:600;\n}\n\n.pv-trust-text{\n    display:block;\n    font-size:11px;\n    line-height:16px;\n    color:#45464d;\n}\n\n.pv-hero-visual{\n    position:relative;\n}\n\n.pv-hero-image-wrap{\n    position:relative;\n    height:460px;\n    border-radius:16px;\n    overflow:hidden;\n    background:#eceef0;\n    box-shadow:0 12px 30px rgba(0,0,0,.12);\n}\n\n.pv-hero-image{\n    width:100%;\n    height:100%;\n    object-fit:cover;\n    display:block;\n}\n\n.pv-hero-overlay{\n    position:absolute;\n    inset:0;\n    background:linear-gradient(\n        to top,\n        rgba(19,27,46,.7),\n        transparent 60%\n    );\n}\n\n.pv-hero-caption{\n    position:absolute;\n    bottom:16px;\n    left:16px;\n    right:16px;\n    color:#fff;\n}\n\n.pv-hero-caption-top{\n    display:flex;\n    align-items:center;\n    gap:8px;\n    margin-bottom:4px;\n    color:#6ffbbe;\n    font-size:12px;\n    line-height:16px;\n    font-weight:600;\n    text-transform:uppercase;\n    letter-spacing:.08em;\n}\n\n.pv-hero-caption p{\n    margin:0;\n    font-size:13px;\n    line-height:20px;\n    font-weight:500;\n    opacity:.9;\n}\n\n.pv-floating{\n    position:absolute;\n    background:#fff;\n    padding:14px;\n    border-radius:12px;\n    box-shadow:0 10px 25px rgba(0,0,0,.14);\n    display:flex;\n    align-items:center;\n    gap:12px;\n}\n\n.pv-floating-rate{\n    top:-16px;\n    left:-24px;\n}\n\n.pv-floating-safe{\n    right:-24px;\n    bottom:-16px;\n}\n\n.pv-floating-icon{\n    width:40px;\n    height:40px;\n    border-radius:8px;\n    display:flex;\n    align-items:center;\n    justify-content:center;\n    flex:none;\n}\n\n.pv-floating-rate .pv-floating-icon{\n    background:#0049de;\n    color:#fff;\n    font-size:32px;\n    font-weight:700;\n}\n\n.pv-floating-safe .pv-floating-icon{\n    background:#131b2e;\n    color:#6ffbbe;\n}\n\n.pv-floating small{\n    display:block;\n    font-size:12px;\n    line-height:16px;\n    color:#45464d;\n}\n\n.pv-floating strong{\n    display:block;\n    margin-top:2px;\n    font-size:22px;\n    line-height:30px;\n}\n\n.pv-floating-rate strong{\n    color:#0049de;\n}\n\n@media(max-width:1024px){\n    .pv-hero-inner{\n        grid-template-columns:1fr;\n        padding:56px 32px;\n    }\n\n    .pv-hero h1{\n        font-size:46px;\n    }\n\n    .pv-hero-image-wrap{\n        height:440px;\n    }\n}\n\n@media(max-width:767px){\n    .pv-hero-inner{\n        padding:40px 20px;\n        gap:48px;\n    }\n\n    .pv-hero h1{\n        font-size:36px;\n        line-height:44px;\n    }\n\n    .pv-hero-description{\n        font-size:16px;\n        line-height:26px;\n    }\n\n    .pv-hero-actions{\n        flex-direction:column;\n    }\n\n    .pv-btn{\n        width:100%;\n    }\n\n    .pv-trust{\n        grid-template-columns:1fr;\n    }\n\n    .pv-hero-image-wrap{\n        height:380px;\n    }\n\n    .pv-floating-rate{\n        left:10px;\n    }\n\n    .pv-floating-safe{\n        right:10px;\n    }\n\n    .pv-floating{\n        padding:10px;\n    }\n\n    .pv-floating strong{\n        font-size:17px;\n        line-height:24px;\n    }\n}\n<\/style>\n\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Plus+Jakarta+Sans:wght@400;600;700;800&display=swap\" rel=\"stylesheet\">\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Material+Symbols+Outlined:wght,FILL@100..700,0..1&display=swap\" rel=\"stylesheet\">\n\n<section class=\"pv-hero\">\n\n    <div class=\"pv-hero-inner\">\n\n        <div class=\"pv-hero-content\">\n\n            <h1>\n                Cessione del Quinto: liquidit\u00e0 su misura con trattenuta diretta e\n                <span>tasso dal 2% al 3%<\/span>\n            <\/h1>\n\n            <p class=\"pv-hero-description\">\n                Il finanziamento protetto dedicato a dipendenti pubblici, privati e pensionati.\n                Nessun garante o ipoteca richiesti, polizze vita e impiego obbligatorie coperte\n                per legge e rata fissa mai superiore a un quinto delle tue entrate nette.\n            <\/p>\n\n            <div class=\"pv-hero-actions\">\n\n                <a href=\"#simulatore\" class=\"pv-btn pv-btn-primary\">\n                    Calcola la tua Rata\n                    <span class=\"pv-material\">arrow_forward<\/span>\n                <\/a>\n\n                <a href=\"https:\/\/wa.me\/qr\/SDZHNMT6LLUBO1\" class=\"pv-btn pv-btn-secondary\">\n                    <span class=\"pv-material\" style=\"color:#0049de;\">support_agent<\/span>\n                    Parla con un Consulente Dedicato\n                <\/a>\n\n            <\/div>\n\n            <div class=\"pv-trust\">\n\n                <div class=\"pv-trust-card\">\n                    <div class=\"pv-trust-icon\">\n                        <span class=\"pv-material\">shield_person<\/span>\n                    <\/div>\n                    <div>\n                        <span class=\"pv-trust-title\">Zero Garanti<\/span>\n                        <span class=\"pv-trust-text\">Basta stipendio o pensione<\/span>\n                    <\/div>\n                <\/div>\n\n                <div class=\"pv-trust-card\">\n                    <div class=\"pv-trust-icon\">\n                        <span class=\"pv-material\">health_and_safety<\/span>\n                    <\/div>\n                    <div>\n                        <span class=\"pv-trust-title\">Polizza Inclusa<\/span>\n                        <span class=\"pv-trust-text\">Rischio vita & impiego<\/span>\n                    <\/div>\n                <\/div>\n\n                <div class=\"pv-trust-card\">\n                    <div class=\"pv-trust-icon\">\n                        <span class=\"pv-material\">fact_check<\/span>\n                    <\/div>\n                    <div>\n                        <span class=\"pv-trust-title\">Anche se Segnalati<\/span>\n                        <span class=\"pv-trust-text\">Nessun blocco CRIF<\/span>\n                    <\/div>\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n        <div class=\"pv-hero-visual\">\n\n            <div class=\"pv-hero-image-wrap\">\n\n                <img decoding=\"async\"\n                    class=\"pv-hero-image\"\n                    src=\"https:\/\/lh3.googleusercontent.com\/aida-public\/AB6AXuAn7XegN5JxlmnthT7rTgA3K_lpjNwBQAvJly-yO5y-wHbQkr0sejZRusu_guUAotuYDljgUs5XdRdyblfR8LgczyqWp7QH5HnshWNcewbZPgDCcQdQW6VWMjkoy7t-e4j4DN6eajBSyI2f16HkPnXlAT6YHpbskokU-qXbYiRu6AILQpr-oLN-5ao-V5v0Z8kXToWrGMYDUGkiQykrgYLadhKrm8zJ16cbwCzOzNDvT7f5chfGey0H\"\n                    alt=\"A smiling senior Italian retiree and her adult son sitting together at a wooden dining table in a luminous Italian apartment\"\n                >\n\n                <div class=\"pv-hero-overlay\"><\/div>\n\n                <div class=\"pv-hero-caption\">\n                    <div class=\"pv-hero-caption-top\">\n                        <span class=\"pv-material\">verified_user<\/span>\n                        Pratica Garantita D.P.R. 180\/1950\n                    <\/div>\n                    <p>\n                        Trasparenza contrattuale totale per oltre 34.000 famiglie in tutta Italia.\n                    <\/p>\n                <\/div>\n\n            <\/div>\n\n            <div class=\"pv-floating pv-floating-rate\">\n                <div class=\"pv-floating-icon\">%<\/div>\n                <div>\n                    <small>TAN Promozionale<\/small>\n                    <strong>da 2,00%<\/strong>\n                <\/div>\n            <\/div>\n\n            <div class=\"pv-floating pv-floating-safe\">\n                <div class=\"pv-floating-icon\">\n                    <span class=\"pv-material\">pie_chart<\/span>\n                <\/div>\n                <div>\n                    <small>Sostenibilit\u00e0 Tutelata<\/small>\n                    <strong>Max 1\/5 dello stipendio<\/strong>\n                <\/div>\n            <\/div>\n\n        <\/div>\n\n    <\/div>\n\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b871986 e-con-full e-flex e-con e-parent\" data-id=\"b871986\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-862d91f elementor-widget elementor-widget-html\" data-id=\"862d91f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================================================\n     SECTION 02 \u2014 SIMULATEUR INTERACTIF\n     Fid\u00e8le au design Stitch\n========================================================= -->\n\n<section id=\"simulatore\" class=\"pv-simulator\">\n\n  <div class=\"pv-sim-container\">\n\n    <!-- HEADER -->\n    <div class=\"pv-sim-heading\">\n\n      <span class=\"pv-eyebrow\">\n        Simulatore Online in Tempo Reale\n      <\/span>\n\n      <h2>\n        Calcola la tua Cessione del Quinto\n      <\/h2>\n\n      <p>\n        Personalizza importo, durata e categoria contrattuale.\n        Ricevi la simulazione della rata mensile vincolata al massimo quinto di legge.\n      <\/p>\n\n    <\/div>\n\n\n    <!-- CALCULATOR CARD -->\n    <div class=\"pv-calculator\">\n\n      <!-- =====================================================\n           LEFT \u2014 CONTROLS\n      ====================================================== -->\n      <div class=\"pv-calculator-left\">\n\n        <!-- STEP 1 -->\n        <div class=\"pv-sim-step\">\n\n          <div class=\"pv-step-title\">\n            <span>1. Seleziona la tua Categoria Professionale<\/span>\n\n            <span class=\"pv-special-rate\">\n              Tassi speciali dedicati\n            <\/span>\n          <\/div>\n\n\n          <div class=\"pv-category-grid\">\n\n            <button\n              type=\"button\"\n              class=\"pv-category active\"\n              data-role=\"statale\"\n              data-taeg=\"2.15\"\n              data-tan=\"2.00\"\n            >\n              <span class=\"pv-category-icon\">\n                <span class=\"material-symbols-outlined\">account_balance<\/span>\n              <\/span>\n\n              <span class=\"pv-category-content\">\n                <strong>Statale \/ NoiPA<\/strong>\n                <small>TAN Fisso 2,00%<\/small>\n                <small>TAEG da 2,15%<\/small>\n              <\/span>\n            <\/button>\n\n\n            <button\n              type=\"button\"\n              class=\"pv-category\"\n              data-role=\"pensionato\"\n              data-taeg=\"2.28\"\n              data-tan=\"2.10\"\n            >\n              <span class=\"pv-category-icon\">\n                <span class=\"material-symbols-outlined\">elderly<\/span>\n              <\/span>\n\n              <span class=\"pv-category-content\">\n                <strong>Pensionato INPS<\/strong>\n                <small>TAN Fisso 2,10%<\/small>\n                <small>TAEG da 2,28%<\/small>\n              <\/span>\n            <\/button>\n\n\n            <button\n              type=\"button\"\n              class=\"pv-category\"\n              data-role=\"privato\"\n              data-taeg=\"3.05\"\n              data-tan=\"2.85\"\n            >\n              <span class=\"pv-category-icon\">\n                <span class=\"material-symbols-outlined\">business<\/span>\n              <\/span>\n\n              <span class=\"pv-category-content\">\n                <strong>Dipendente Privato<\/strong>\n                <small>TAN Fisso 2,85%<\/small>\n                <small>TAEG da 3,05%<\/small>\n              <\/span>\n            <\/button>\n\n          <\/div>\n\n        <\/div>\n\n\n        <!-- STEP 2 -->\n        <div class=\"pv-sim-step\">\n\n          <div class=\"pv-step-title\">\n\n            <span>\n              2. Stipendio Netto o Pensione Mensile\n            <\/span>\n\n            <span id=\"maxQuotaDisplay\" class=\"pv-quota\">\n              Quota cedibile massima (20%): \u20ac 340 \/ mese\n            <\/span>\n\n          <\/div>\n\n\n          <div class=\"pv-money-input\">\n\n            <span class=\"pv-money-symbol\">\u20ac<\/span>\n\n            <input\n              id=\"salaryInput\"\n              type=\"number\"\n              min=\"800\"\n              max=\"6000\"\n              step=\"50\"\n              value=\"1700\"\n              aria-label=\"Stipendio netto mensile\"\n            \/>\n\n          <\/div>\n\n        <\/div>\n\n\n        <!-- STEP 3 -->\n        <div class=\"pv-sim-step\">\n\n          <div class=\"pv-step-title\">\n\n            <span>\n              3. Importo Desiderato da Ricevere\n            <\/span>\n\n            <strong id=\"amountDisplay\">\n              \u20ac 10.000\n            <\/strong>\n\n          <\/div>\n\n\n          <div class=\"pv-range-wrapper\">\n\n            <input\n              id=\"amountSlider\"\n              type=\"range\"\n              min=\"5000\"\n              max=\"75000\"\n              step=\"1000\"\n              value=\"25000\"\n            \/>\n\n            <div class=\"pv-range-labels\">\n              <span>Min. \u20ac 5.000<\/span>\n              <span>\u20ac 35.000<\/span>\n              <span>Max \u20ac75.000<\/span>\n            <\/div>\n\n          <\/div>\n\n\n          <div class=\"pv-presets\">\n\n            <button type=\"button\" data-amount=\"10000\">\n              \u20ac 10.000\n            <\/button>\n\n            <button type=\"button\" data-amount=\"20000\">\n              \u20ac 20.000\n            <\/button>\n\n            <button type=\"button\" data-amount=\"25000\" class=\"active\">\n              \u20ac 25.000\n            <\/button>\n\n            <button type=\"button\" data-amount=\"40000\">\n              \u20ac 40.000\n            <\/button>\n\n            <button type=\"button\" data-amount=\"60000\">\n              \u20ac 60.000\n            <\/button>\n\n          <\/div>\n\n        <\/div>\n\n\n        <!-- STEP 4 -->\n        <div class=\"pv-sim-step\">\n\n          <div class=\"pv-step-title\">\n\n            <span>\n              4. Durata del Rimborso\n            <\/span>\n\n            <strong id=\"durationDisplay\">\n              72 Mesi (6 anni)\n            <\/strong>\n\n          <\/div>\n\n\n          <div class=\"pv-duration-grid\">\n\n            <button type=\"button\" data-months=\"24\">\n              24 mesi\n            <\/button>\n\n            <button type=\"button\" data-months=\"36\">\n              36 mesi\n            <\/button>\n\n            <button type=\"button\" data-months=\"48\">\n              48 mesi\n            <\/button>\n\n            <button type=\"button\" data-months=\"60\">\n              60 mesi\n            <\/button>\n\n            <button type=\"button\" data-months=\"72\" class=\"active\">\n              72 mesi\n            <\/button>\n\n            <button type=\"button\" data-months=\"84\">\n              84 mesi\n            <\/button>\n\n            <button type=\"button\" data-months=\"96\">\n              96 mesi\n            <\/button>\n\n            <button type=\"button\" data-months=\"120\">\n              120 mesi\n            <\/button>\n\n          <\/div>\n\n        <\/div>\n\n      <\/div>\n\n\n      <!-- =====================================================\n           RIGHT \u2014 SUMMARY\n      ====================================================== -->\n      <aside class=\"pv-calculator-summary\">\n\n        <div class=\"pv-summary-header\">\n\n          <div>\n            <span class=\"pv-summary-label\">\n              Riepilogo Preventivo Immediato\n            <\/span>\n          <\/div>\n\n          <span class=\"pv-promo-badge\">\n            Tasso Promozionale\n          <\/span>\n\n        <\/div>\n\n\n        <!-- MONTHLY PAYMENT -->\n        <div class=\"pv-monthly-payment\">\n\n          <span class=\"pv-monthly-label\">\n            Rata mensile\n          <\/span>\n\n          <div class=\"pv-payment-value\">\n            <span id=\"monthlyPayment\">\u20ac 148<\/span>\n            <small>\/ mese<\/small>\n          <\/div>\n\n        <\/div>\n\n\n        <!-- WARNING -->\n        <div\n          id=\"quotaWarning\"\n          class=\"pv-quota-warning\"\n          style=\"display:none;\"\n        >\n          <span class=\"material-symbols-outlined\">\n            warning\n          <\/span>\n\n          <p>\n            Attenzione: la rata calcolata supera la quota cedibile del 20%\n            (\u20ac <span id=\"quotaWarnMax\">340<\/span>).\n            Ti consigliamo di aumentare la durata o ridurre l'importo.\n          <\/p>\n        <\/div>\n\n\n        <!-- FIXED RATE -->\n        <div class=\"pv-fixed-rate\">\n\n          <span class=\"material-symbols-outlined\">\n            check_circle\n          <\/span>\n\n          <span>\n            Rata fissa per tutta la durata del piano contrattuale\n          <\/span>\n\n        <\/div>\n\n\n        <!-- DETAILS -->\n        <div class=\"pv-summary-details\">\n\n          <div class=\"pv-summary-row\">\n            <span>TAN Fisso Applicato<\/span>\n            <strong id=\"summaryTan\">2,00%<\/strong>\n          <\/div>\n\n          <div class=\"pv-summary-row\">\n            <span>TAEG di riferimento<\/span>\n            <strong id=\"summaryTaeg\">2,15%<\/strong>\n          <\/div>\n\n          <div class=\"pv-summary-row\">\n            <span>Importo Netto Finanziato<\/span>\n            <strong id=\"summaryFinanced\">\u20ac 10.000,00<\/strong>\n          <\/div>\n\n          <div class=\"pv-summary-row\">\n            <span>Interessi Totali del Piano<\/span>\n            <strong id=\"summaryInterest\">\u20ac 620,32<\/strong>\n          <\/div>\n\n          <div class=\"pv-summary-row pv-summary-total\">\n            <span>Totale Dovuto dal Consumatore<\/span>\n            <strong id=\"summaryTotal\">\u20ac 10.620,32<\/strong>\n          <\/div>\n\n          <div class=\"pv-summary-row pv-summary-muted\">\n            <span>Spese d'istruttoria iniziali<\/span>\n            <strong>\u20ac 0,00 (Gratis)<\/strong>\n          <\/div>\n\n          <div class=\"pv-summary-row pv-summary-muted\">\n            <span>Polizza Assicurativa Rischio Vita & Impiego<\/span>\n            <strong>Inclusa per Legge<\/strong>\n          <\/div>\n\n        <\/div>\n\n\n        <!-- CTA -->\n        <a\n          type=\"button\"\n          class=\"pv-summary-cta\"\n          href=\"https:\/\/prestivana.com\/richiedi\/\"\n        >\n            <span>Richiedi con questo preventivo<\/span>\n\n          <span class=\"material-symbols-outlined\">\n            east\n          <\/span>\n        <\/a>\n\n\n        <p class=\"pv-summary-disclaimer\">\n          Offerta valida fino al 31\/12\/2027.\n          Nessun impegno e nessuna spesa anticipata.\n        <\/p>\n\n      <\/aside>\n\n    <\/div>\n\n  <\/div>\n\n<\/section>\n\n\n<style>\n\n\/* =========================================================\n   BASE\n========================================================= *\/\n\n#simulatore.pv-simulator {\n  width: 100%;\n  background: #f2f4f6;\n  padding: 64px 24px;\n  box-sizing: border-box;\n  font-family: \"Plus Jakarta Sans\", sans-serif;\n  color: #191c1e;\n}\n\n.pv-sim-container {\n  width: 100%;\n  max-width: 1280px;\n  margin: 0 auto;\n}\n\n\n\/* =========================================================\n   HEADING\n========================================================= *\/\n\n.pv-sim-heading {\n  max-width: 760px;\n  margin: 0 auto 40px;\n  text-align: center;\n}\n\n.pv-eyebrow {\n  display: inline-block;\n  margin-bottom: 12px;\n  color: #0049de;\n  font-size: 13px;\n  line-height: 20px;\n  font-weight: 700;\n  letter-spacing: .08em;\n  text-transform: uppercase;\n}\n\n.pv-sim-heading h2 {\n  margin: 0;\n  color: #191c1e;\n  font-size: 40px;\n  line-height: 48px;\n  font-weight: 700;\n  letter-spacing: -0.02em;\n}\n\n.pv-sim-heading p {\n  max-width: 680px;\n  margin: 16px auto 0;\n  color: #45464d;\n  font-size: 15px;\n  line-height: 24px;\n}\n\n\n\/* =========================================================\n   MAIN CALCULATOR\n========================================================= *\/\n\n.pv-calculator {\n  display: grid;\n  grid-template-columns: minmax(0, 7fr) minmax(360px, 5fr);\n  overflow: hidden;\n  background: #ffffff;\n  border-radius: 20px;\n  box-shadow: 0 12px 40px rgba(25, 28, 30, .08);\n}\n\n\n\/* =========================================================\n   LEFT SIDE\n========================================================= *\/\n\n.pv-calculator-left {\n  padding: 40px;\n  background: #ffffff;\n}\n\n.pv-sim-step {\n  padding: 0 0 30px;\n  margin-bottom: 30px;\n  border-bottom: 1px solid #e6e8ea;\n}\n\n.pv-sim-step:last-child {\n  padding-bottom: 0;\n  margin-bottom: 0;\n  border-bottom: 0;\n}\n\n.pv-step-title {\n  display: flex;\n  align-items: center;\n  justify-content: space-between;\n  gap: 20px;\n  margin-bottom: 18px;\n  color: #191c1e;\n  font-size: 14px;\n  line-height: 20px;\n  font-weight: 700;\n}\n\n.pv-special-rate {\n  color: #0049de;\n  font-size: 12px;\n  font-weight: 700;\n}\n\n.pv-quota {\n  color: #45464d;\n  font-size: 12px;\n  font-weight: 600;\n}\n\n\n\/* =========================================================\n   CATEGORY BUTTONS\n========================================================= *\/\n\n.pv-category-grid {\n  display: grid;\n  grid-template-columns: repeat(3, 1fr);\n  gap: 12px;\n}\n\n.pv-category {\n  display: flex;\n  align-items: center;\n  gap: 12px;\n  width: 100%;\n  min-height: 94px;\n  padding: 15px;\n  border: 1px solid #e6e8ea;\n  border-radius: 12px;\n  background: #ffffff;\n  cursor: pointer;\n  text-align: left;\n  font-family: inherit;\n  transition: all .2s ease;\n}\n\n.pv-category:hover {\n  border-color: #0049de;\n}\n\n.pv-category.active {\n  border-color: #0049de;\n  background: #f3f6ff;\n  box-shadow: inset 0 0 0 1px #0049de;\n}\n\n.pv-category-icon {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  flex: 0 0 38px;\n  width: 38px;\n  height: 38px;\n  border-radius: 10px;\n  background: #dce1ff;\n  color: #0049de;\n}\n\n.pv-category-content {\n  display: flex;\n  flex-direction: column;\n  gap: 3px;\n}\n\n.pv-category-content strong {\n  color: #191c1e;\n  font-size: 13px;\n  line-height: 18px;\n  font-weight: 700;\n}\n\n.pv-category-content small {\n  color: #45464d;\n  font-size: 11px;\n  line-height: 16px;\n}\n\n\n\/* =========================================================\n   SALARY INPUT\n========================================================= *\/\n\n.pv-money-input {\n  position: relative;\n  display: flex;\n  align-items: center;\n  width: 100%;\n  height: 54px;\n  border: 1px solid #c6c6cd;\n  border-radius: 10px;\n  background: #ffffff;\n  overflow: hidden;\n}\n\n.pv-money-symbol {\n  padding-left: 18px;\n  color: #45464d;\n  font-size: 18px;\n  font-weight: 700;\n}\n\n.pv-money-input input {\n  width: 100%;\n  height: 100%;\n  padding: 0 18px 0 8px;\n  border: 0;\n  outline: none;\n  background: transparent;\n  color: #191c1e;\n  font-family: inherit;\n  font-size: 18px;\n  font-weight: 700;\n}\n\n.pv-money-input input:focus {\n  outline: none;\n}\n\n\n\/* =========================================================\n   RANGE\n========================================================= *\/\n\n.pv-range-wrapper {\n  margin-top: 5px;\n}\n\n.pv-range-wrapper input[type=\"range\"] {\n  width: 100%;\n  height: 5px;\n  margin: 12px 0 10px;\n  appearance: none;\n  -webkit-appearance: none;\n  border-radius: 999px;\n  background: #dce1ff;\n  outline: none;\n  cursor: pointer;\n}\n\n.pv-range-wrapper input[type=\"range\"]::-webkit-slider-thumb {\n  appearance: none;\n  -webkit-appearance: none;\n  width: 20px;\n  height: 20px;\n  border-radius: 50%;\n  border: 3px solid #ffffff;\n  background: #0049de;\n  box-shadow: 0 1px 5px rgba(0,0,0,.25);\n}\n\n.pv-range-wrapper input[type=\"range\"]::-moz-range-thumb {\n  width: 20px;\n  height: 20px;\n  border-radius: 50%;\n  border: 3px solid #ffffff;\n  background: #0049de;\n  box-shadow: 0 1px 5px rgba(0,0,0,.25);\n}\n\n.pv-range-labels {\n  display: flex;\n  justify-content: space-between;\n  color: #6c6d73;\n  font-size: 11px;\n  line-height: 16px;\n}\n\n\n\/* =========================================================\n   PRESETS\n========================================================= *\/\n\n.pv-presets {\n  display: flex;\n  flex-wrap: wrap;\n  gap: 8px;\n  margin-top: 16px;\n}\n\n.pv-presets button {\n  min-height: 34px;\n  padding: 0 13px;\n  border: 1px solid #e6e8ea;\n  border-radius: 7px;\n  background: #ffffff;\n  color: #45464d;\n  font-family: inherit;\n  font-size: 12px;\n  font-weight: 600;\n  cursor: pointer;\n  transition: all .2s ease;\n}\n\n.pv-presets button:hover {\n  border-color: #0049de;\n  color: #0049de;\n}\n\n.pv-presets button.active {\n  border-color: #0049de;\n  background: #0049de;\n  color: #ffffff;\n}\n\n\n\/* =========================================================\n   DURATION\n========================================================= *\/\n\n.pv-duration-grid {\n  display: grid;\n  grid-template-columns: repeat(4, 1fr);\n  gap: 8px;\n}\n\n.pv-duration-grid button {\n  min-height: 40px;\n  border: 1px solid #e6e8ea;\n  border-radius: 8px;\n  background: #ffffff;\n  color: #45464d;\n  font-family: inherit;\n  font-size: 12px;\n  font-weight: 600;\n  cursor: pointer;\n  transition: all .2s ease;\n}\n\n.pv-duration-grid button:hover {\n  border-color: #0049de;\n  color: #0049de;\n}\n\n.pv-duration-grid button.active {\n  border-color: #0049de;\n  background: #0049de;\n  color: #ffffff;\n}\n\n\n\/* =========================================================\n   RIGHT SUMMARY \u2014 DARK PANEL\n========================================================= *\/\n\n.pv-calculator-summary {\n  display: flex;\n  flex-direction: column;\n  min-height: 100%;\n  padding: 38px 34px;\n  background: #131b2e;\n  color: #ffffff;\n}\n\n.pv-summary-header {\n  display: flex;\n  align-items: flex-start;\n  justify-content: space-between;\n  gap: 15px;\n}\n\n.pv-summary-label {\n  color: #ffffff;\n  font-size: 16px;\n  line-height: 24px;\n  font-weight: 700;\n}\n\n.pv-promo-badge {\n  padding: 6px 10px;\n  border-radius: 999px;\n  background: rgba(78, 222, 163, .12);\n  color: #4edea3;\n  font-size: 10px;\n  line-height: 14px;\n  font-weight: 700;\n  white-space: nowrap;\n}\n\n\n\/* =========================================================\n   PAYMENT\n========================================================= *\/\n\n.pv-monthly-payment {\n  padding: 34px 0 28px;\n}\n\n.pv-monthly-label {\n  display: block;\n  margin-bottom: 7px;\n  color: rgba(255,255,255,.65);\n  font-size: 12px;\n}\n\n.pv-payment-value {\n  display: flex;\n  align-items: baseline;\n  gap: 8px;\n}\n\n.pv-payment-value span {\n  color: #ffffff;\n  font-size: 48px;\n  line-height: 54px;\n  font-weight: 800;\n  letter-spacing: -0.03em;\n}\n\n.pv-payment-value small {\n  color: rgba(255,255,255,.65);\n  font-size: 13px;\n}\n\n\n\/* =========================================================\n   WARNING\n========================================================= *\/\n\n.pv-quota-warning {\n  display: flex;\n  gap: 10px;\n  margin-bottom: 20px;\n  padding: 12px;\n  border-radius: 8px;\n  background: rgba(255, 193, 7, .10);\n  color: #ffd86b;\n}\n\n.pv-quota-warning .material-symbols-outlined {\n  flex: 0 0 auto;\n  font-size: 19px;\n}\n\n.pv-quota-warning p {\n  margin: 0;\n  font-size: 11px;\n  line-height: 17px;\n}\n\n\n\/* =========================================================\n   FIXED RATE\n========================================================= *\/\n\n.pv-fixed-rate {\n  display: flex;\n  align-items: center;\n  gap: 8px;\n  padding: 13px 0;\n  border-top: 1px solid rgba(255,255,255,.10);\n  border-bottom: 1px solid rgba(255,255,255,.10);\n  color: #4edea3;\n  font-size: 11px;\n  line-height: 16px;\n}\n\n.pv-fixed-rate .material-symbols-outlined {\n  font-size: 18px;\n}\n\n\n\/* =========================================================\n   SUMMARY DETAILS\n========================================================= *\/\n\n.pv-summary-details {\n  padding-top: 18px;\n}\n\n.pv-summary-row {\n  display: flex;\n  justify-content: space-between;\n  gap: 20px;\n  padding: 7px 0;\n  color: rgba(255,255,255,.70);\n  font-size: 11px;\n  line-height: 17px;\n}\n\n.pv-summary-row strong {\n  color: #ffffff;\n  font-weight: 700;\n  text-align: right;\n}\n\n.pv-summary-row.pv-summary-total {\n  margin-top: 5px;\n  padding-top: 13px;\n  border-top: 1px solid rgba(255,255,255,.10);\n}\n\n.pv-summary-row.pv-summary-muted {\n  color: rgba(255,255,255,.45);\n}\n\n.pv-summary-row.pv-summary-muted strong {\n  color: rgba(255,255,255,.65);\n}\n\n\n\/* =========================================================\n   CTA\n========================================================= *\/\n\n.pv-summary-cta {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  gap: 10px;\n  width: 100%;\n  min-height: 52px;\n  margin-top: 24px;\n  padding: 0 18px;\n  border: 0;\n  border-radius: 9px;\n  background: #4edea3;\n  color: #071b13;\n  font-family: inherit;\n  font-size: 13px;\n  font-weight: 800;\n  cursor: pointer;\n  transition: transform .2s ease, box-shadow .2s ease;\n}\n\n.pv-summary-cta:hover {\n  transform: translateY(-1px);\n  box-shadow: 0 7px 20px rgba(78,222,163,.18);\n}\n\n.pv-summary-cta .material-symbols-outlined {\n  font-size: 19px;\n}\n\n\n.pv-summary-disclaimer {\n  margin: 14px 0 0;\n  color: rgba(255,255,255,.42);\n  font-size: 10px;\n  line-height: 15px;\n  text-align: center;\n}\n\n\n\/* =========================================================\n   RESPONSIVE\n========================================================= *\/\n\n@media (max-width: 1100px) {\n\n  .pv-calculator {\n    grid-template-columns: 1fr;\n  }\n\n  .pv-calculator-summary {\n    min-height: auto;\n  }\n\n}\n\n\n@media (max-width: 800px) {\n\n  #simulatore.pv-simulator {\n    padding: 48px 16px;\n  }\n\n  .pv-sim-heading {\n    margin-bottom: 30px;\n  }\n\n  .pv-sim-heading h2 {\n    font-size: 30px;\n    line-height: 38px;\n  }\n\n  .pv-calculator-left {\n    padding: 25px 20px;\n  }\n\n  .pv-category-grid {\n    grid-template-columns: 1fr;\n  }\n\n  .pv-step-title {\n    align-items: flex-start;\n    flex-direction: column;\n    gap: 6px;\n  }\n\n  .pv-duration-grid {\n    grid-template-columns: repeat(2, 1fr);\n  }\n\n  .pv-calculator-summary {\n    padding: 30px 22px;\n  }\n\n}\n\n\n@media (max-width: 480px) {\n\n  .pv-payment-value span {\n    font-size: 40px;\n    line-height: 48px;\n  }\n\n  .pv-presets {\n    display: grid;\n    grid-template-columns: repeat(2, 1fr);\n  }\n\n  .pv-presets button {\n    width: 100%;\n  }\n\n}\n\n<\/style>\n\n\n<!-- =========================================================\n     JAVASCRIPT \u2014 LOGIQUE ORIGINALE DU SIMULATEUR\n========================================================= -->\n\n<script>\n(function () {\n\n  let currentTan = 2.00;\n  let currentTaeg = 2.15;\n  let currentAmount = 25000;\n  let currentMonths = 120;\n  let currentSalary = 1700;\n\n\n  function formatEur(value) {\n    return new Intl.NumberFormat('it-IT', {\n      style: 'currency',\n      currency: 'EUR',\n      maximumFractionDigits: 0\n    }).format(Math.round(value));\n  }\n\n\n  function formatEurExact(value) {\n    return new Intl.NumberFormat('it-IT', {\n      style: 'currency',\n      currency: 'EUR',\n      minimumFractionDigits: 2,\n      maximumFractionDigits: 2\n    }).format(value);\n  }\n\n\n  function calculatePayment() {\n\n    const monthlyRate = currentTan \/ 100 \/ 12;\n\n    let payment;\n\n    if (monthlyRate === 0) {\n      payment = currentAmount \/ currentMonths;\n    } else {\n      payment =\n        currentAmount *\n        monthlyRate \/\n        (1 - Math.pow(1 + monthlyRate, -currentMonths));\n    }\n\n\n    const maxQuota = currentSalary * 0.20;\n\n    const total = payment * currentMonths;\n\n    const interest = total - currentAmount;\n\n\n    \/* Monthly payment *\/\n    const paymentElement =\n      document.getElementById('monthlyPayment');\n\n    if (paymentElement) {\n      paymentElement.textContent = formatEur(payment);\n    }\n\n\n    \/* Maximum quota *\/\n    const maxQuotaDisplay =\n      document.getElementById('maxQuotaDisplay');\n\n    if (maxQuotaDisplay) {\n      maxQuotaDisplay.textContent =\n        'Quota cedibile massima (20%): ' +\n        formatEur(maxQuota) +\n        ' \/ mese';\n    }\n\n\n    \/* Warning *\/\n    const warning =\n      document.getElementById('quotaWarning');\n\n    const quotaWarnMax =\n      document.getElementById('quotaWarnMax');\n\n    if (quotaWarnMax) {\n      quotaWarnMax.textContent =\n        Math.round(maxQuota).toLocaleString('it-IT');\n    }\n\n    if (warning) {\n      warning.style.display =\n        payment > maxQuota ? 'flex' : 'none';\n    }\n\n\n    \/* TAN *\/\n    const summaryTan =\n      document.getElementById('summaryTan');\n\n    if (summaryTan) {\n      summaryTan.textContent =\n        currentTan.toFixed(2).replace('.', ',') + '%';\n    }\n\n\n    \/* TAEG *\/\n    const summaryTaeg =\n      document.getElementById('summaryTaeg');\n\n    if (summaryTaeg) {\n      summaryTaeg.textContent =\n        currentTaeg.toFixed(2).replace('.', ',') + '%';\n    }\n\n\n    \/* Financed *\/\n    const summaryFinanced =\n      document.getElementById('summaryFinanced');\n\n    if (summaryFinanced) {\n      summaryFinanced.textContent =\n        formatEurExact(currentAmount);\n    }\n\n\n    \/* Interest *\/\n    const summaryInterest =\n      document.getElementById('summaryInterest');\n\n    if (summaryInterest) {\n      summaryInterest.textContent =\n        formatEurExact(interest);\n    }\n\n\n    \/* Total *\/\n    const summaryTotal =\n      document.getElementById('summaryTotal');\n\n    if (summaryTotal) {\n      summaryTotal.textContent =\n        formatEurExact(total);\n    }\n\n  }\n\n\n  \/* =======================================================\n     CATEGORY\n  ======================================================= *\/\n\n  document\n    .querySelectorAll('.pv-category')\n    .forEach(function (button) {\n\n      button.addEventListener('click', function () {\n\n        document\n          .querySelectorAll('.pv-category')\n          .forEach(function (item) {\n            item.classList.remove('active');\n          });\n\n        this.classList.add('active');\n\n        currentTan =\n          parseFloat(this.dataset.tan);\n\n        currentTaeg =\n          parseFloat(this.dataset.taeg);\n\n        calculatePayment();\n\n      });\n\n    });\n\n\n  \/* =======================================================\n     SALARY\n  ======================================================= *\/\n\n  const salaryInput =\n    document.getElementById('salaryInput');\n\n  if (salaryInput) {\n\n    salaryInput.addEventListener('input', function () {\n\n      currentSalary =\n        parseFloat(this.value) || 0;\n\n      calculatePayment();\n\n    });\n\n  }\n\n\n  \/* =======================================================\n     AMOUNT SLIDER\n  ======================================================= *\/\n\n  const amountSlider =\n    document.getElementById('amountSlider');\n\n  if (amountSlider) {\n\n    amountSlider.addEventListener('input', function () {\n\n      currentAmount =\n        parseInt(this.value, 10);\n\n      const display =\n        document.getElementById('amountDisplay');\n\n      if (display) {\n        display.textContent =\n          formatEur(currentAmount);\n      }\n\n\n      document\n        .querySelectorAll('[data-amount]')\n        .forEach(function (button) {\n\n          button.classList.toggle(\n            'active',\n            parseInt(button.dataset.amount, 10) === currentAmount\n          );\n\n        });\n\n\n      calculatePayment();\n\n    });\n\n  }\n\n\n  \/* =======================================================\n     PRESETS\n  ======================================================= *\/\n\n  document\n    .querySelectorAll('[data-amount]')\n    .forEach(function (button) {\n\n      button.addEventListener('click', function () {\n\n        currentAmount =\n          parseInt(this.dataset.amount, 10);\n\n        if (amountSlider) {\n          amountSlider.value =\n            currentAmount;\n        }\n\n\n        const display =\n          document.getElementById('amountDisplay');\n\n        if (display) {\n          display.textContent =\n            formatEur(currentAmount);\n        }\n\n\n        document\n          .querySelectorAll('[data-amount]')\n          .forEach(function (item) {\n            item.classList.remove('active');\n          });\n\n        this.classList.add('active');\n\n        calculatePayment();\n\n      });\n\n    });\n\n\n  \/* =======================================================\n     DURATION\n  ======================================================= *\/\n\n  document\n    .querySelectorAll('[data-months]')\n    .forEach(function (button) {\n\n      button.addEventListener('click', function () {\n\n        document\n          .querySelectorAll('[data-months]')\n          .forEach(function (item) {\n            item.classList.remove('active');\n          });\n\n        this.classList.add('active');\n\n\n        currentMonths =\n          parseInt(this.dataset.months, 10);\n\n\n        const years =\n          currentMonths \/ 12;\n\n        const durationDisplay =\n          document.getElementById('durationDisplay');\n\n        if (durationDisplay) {\n\n          durationDisplay.textContent =\n            currentMonths +\n            ' Mesi (' +\n            years +\n            ' anni)';\n\n        }\n\n\n        calculatePayment();\n\n      });\n\n    });\n\n\n  \/* =======================================================\n     INITIAL CALCULATION\n  ======================================================= *\/\n\n  calculatePayment();\n\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eab70a9 e-con-full e-flex e-con e-parent\" data-id=\"eab70a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25e935a elementor-widget elementor-widget-html\" data-id=\"25e935a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.pv-profiles{\n    width:100%;\n    background:#f7f9fb;\n    padding:96px 20px;\n    font-family:'Plus Jakarta Sans',sans-serif;\n    color:#191c1e;\n}\n\n.pv-profiles-inner{\n    max-width:1280px;\n    margin:auto;\n}\n\n.pv-section-head{\n    text-align:center;\n    margin-bottom:48px;\n}\n\n.pv-section-head .eyebrow{\n    display:block;\n    color:#0049de;\n    font-size:12px;\n    line-height:16px;\n    font-weight:700;\n    letter-spacing:.12em;\n    text-transform:uppercase;\n}\n\n.pv-section-head h2{\n    margin:4px 0 0;\n    font-size:40px;\n    line-height:48px;\n    letter-spacing:-.025em;\n    font-weight:700;\n}\n\n.pv-section-head p{\n    max-width:720px;\n    margin:8px auto 0;\n    color:#45464d;\n    font-size:15px;\n    line-height:24px;\n}\n\n.pv-profile-grid{\n    display:grid;\n    grid-template-columns:repeat(3,1fr);\n    gap:24px;\n}\n\n.pv-profile-card{\n    background:#fff;\n    padding:24px;\n    border-radius:16px;\n    box-shadow:0 4px 14px rgba(0,0,0,.07);\n    display:flex;\n    flex-direction:column;\n    justify-content:space-between;\n    transition:.2s ease;\n}\n\n.pv-profile-card:hover{\n    transform:translateY(-4px);\n}\n\n.pv-profile-top{\n    display:flex;\n    justify-content:space-between;\n    align-items:center;\n    gap:10px;\n    margin-bottom:12px;\n}\n\n.pv-profile-tag{\n    padding:4px 12px;\n    border-radius:999px;\n    background:#dce1ff;\n    color:#001550;\n    font-size:12px;\n    font-weight:600;\n}\n\n.pv-profile-card:nth-child(2) .pv-profile-tag{\n    background:#6ffbbe;\n    color:#002113;\n}\n\n.pv-profile-icon{\n    color:#0049de;\n    font-family:'Material Symbols Outlined';\n}\n\n.pv-profile-card h3{\n    margin:0;\n    font-size:22px;\n    line-height:30px;\n}\n\n.pv-profile-card>div>p{\n    color:#45464d;\n    font-size:13px;\n    line-height:20px;\n    margin:8px 0 0;\n}\n\n.pv-profile-rate{\n    margin:24px 0 16px;\n    padding:14px;\n    border-radius:12px;\n    background:#f2f4f6;\n}\n\n.pv-profile-rate small{\n    color:#45464d;\n    font-size:12px;\n}\n\n.pv-profile-rate strong{\n    display:block;\n    margin-top:2px;\n    color:#0049de;\n    font-size:28px;\n    line-height:36px;\n}\n\n.pv-profile-rate span{\n    color:#45464d;\n    font-size:11px;\n}\n\n.pv-profile-card ul{\n    list-style:none;\n    margin:0;\n    padding:0;\n    display:flex;\n    flex-direction:column;\n    gap:8px;\n}\n\n.pv-profile-card li{\n    display:flex;\n    align-items:center;\n    gap:8px;\n    font-size:13px;\n    line-height:20px;\n}\n\n.pv-check{\n    color:#0049de;\n    font-family:'Material Symbols Outlined';\n    font-size:16px;\n}\n\n.pv-profile-link{\n    margin-top:24px;\n    display:flex;\n    justify-content:center;\n    align-items:center;\n    padding:10px 16px;\n    border-radius:8px;\n    background:#eceef0;\n    color:#191c1e;\n    text-decoration:none;\n    font-size:14px;\n    font-weight:600;\n}\n\n@media(max-width:900px){\n    .pv-profile-grid{\n        grid-template-columns:1fr;\n    }\n}\n\n@media(max-width:767px){\n    .pv-profiles{\n        padding:64px 20px;\n    }\n\n    .pv-section-head h2{\n        font-size:28px;\n        line-height:36px;\n    }\n}\n<\/style>\n\n<section class=\"pv-profiles\">\n\n<div class=\"pv-profiles-inner\">\n\n    <div class=\"pv-section-head\">\n        <span class=\"eyebrow\">Soluzioni Su Misura<\/span>\n\n        <h2>\n            Condizioni dedicate per ogni profilo contrattuale\n        <\/h2>\n\n        <p>\n            Abbiamo stipulato accordi diretti con Ministeri, INPS e primari gruppi aziendali\n            per garantirti il tasso pi\u00f9 basso d'Italia.\n        <\/p>\n    <\/div>\n\n    <div class=\"pv-profile-grid\">\n\n        <article class=\"pv-profile-card\">\n\n            <div>\n\n                <div class=\"pv-profile-top\">\n                    <span class=\"pv-profile-tag\">Tasso Minimo Assoluto<\/span>\n                    <span class=\"pv-profile-icon\">account_balance<\/span>\n                <\/div>\n\n                <h3>Dipendenti Pubblici &amp; Statali<\/h3>\n\n                <p>\n                    Per insegnanti MIUR, personale sanitario, forze armate e ministeriali\n                    con integrazione automatica NoiPA.\n                <\/p>\n\n                <div class=\"pv-profile-rate\">\n                    <small>Tasso agevolato fisso<\/small>\n                    <strong>da 2,00% TAN<\/strong>\n                    <span>TAEG da 2,15% \u2022 Zero costi istruttoria<\/span>\n                <\/div>\n\n                <ul>\n                    <li>\n                        <span class=\"pv-check\">check_circle<\/span>\n                        Fino a \u20ac 75.000 con accredito su IBAN\n                    <\/li>\n                    <li>\n                        <span class=\"pv-check\">check_circle<\/span>\n                        Procedura telematica prioritaria NoiPA\n                    <\/li>\n                    <li>\n                        <span class=\"pv-check\">check_circle<\/span>\n                        Nessuna motivazione o spesa documentata\n                    <\/li>\n                <\/ul>\n\n            <\/div>\n\n            <a href=\"#simulatore\" class=\"pv-profile-link\">\n                Simula per Statali\n            <\/a>\n\n        <\/article>\n\n        <article class=\"pv-profile-card\">\n\n            <div>\n\n                <div class=\"pv-profile-top\">\n                    <span class=\"pv-profile-tag\">Convenzione Ufficiale<\/span>\n                    <span class=\"pv-profile-icon\" style=\"color:#009668;\">\n                        family_restroom\n                    <\/span>\n                <\/div>\n\n                <h3>Pensionati INPS ed ex-INPDAP<\/h3>\n\n                <p>\n                    Riservato a tutti i pensionati della gestione pubblica e privata\n                    con recupero automatico della quota cedibile online.\n                <\/p>\n\n                <div class=\"pv-profile-rate\">\n                    <small>Tasso agevolato fisso<\/small>\n                    <strong>da 2,10% TAN<\/strong>\n                    <span>TAEG da 2,28% \u2022 Copertura vita per legge<\/span>\n                <\/div>\n\n                <ul>\n                    <li>\n                        <span class=\"pv-check\">check_circle<\/span>\n                        Et\u00e0 massima a fine piano fino a 85 anni\n                    <\/li>\n                    <li>\n                        <span class=\"pv-check\">check_circle<\/span>\n                        Acquisizione quota cedibile istantanea INPS\n                    <\/li>\n                    <li>\n                        <span class=\"pv-check\">check_circle<\/span>\n                        Non incide su altre linee di credito aperte\n                    <\/li>\n                <\/ul>\n\n            <\/div>\n\n            <a href=\"#simulatore\" class=\"pv-profile-link\">\n                Simula per Pensionati\n            <\/a>\n\n        <\/article>\n\n        <article class=\"pv-profile-card\">\n\n            <div>\n\n                <div class=\"pv-profile-top\">\n                    <span class=\"pv-profile-tag\">TFR come Garanzia<\/span>\n                    <span class=\"pv-profile-icon\">business_center<\/span>\n                <\/div>\n\n                <h3>Dipendenti Aziende Private<\/h3>\n\n                <p>\n                    Lavoratori a tempo indeterminato di S.p.A., S.r.l., cooperative solide\n                    e multinazionali con fondo TFR accantonato.\n                <\/p>\n\n                <div class=\"pv-profile-rate\">\n                    <small>Tasso fisso garantito<\/small>\n                    <strong>2,50% - 3,00% TAN<\/strong>\n                    <span>TAEG da 2,85% a 3,35%<\/span>\n                <\/div>\n\n                <ul>\n                    <li>\n                        <span class=\"pv-check\">check_circle<\/span>\n                        Valido anche per neo-assunti con minimo 3 mesi\n                    <\/li>\n                    <li>\n                        <span class=\"pv-check\">check_circle<\/span>\n                        Tutela completa contro il rischio perdita impiego\n                    <\/li>\n                    <li>\n                        <span class=\"pv-check\">check_circle<\/span>\n                        Rata trattenuta dall'ufficio personale del datore\n                    <\/li>\n                <\/ul>\n\n            <\/div>\n\n            <a href=\"#simulatore\" class=\"pv-profile-link\">\n                Simula per Privati\n            <\/a>\n\n        <\/article>\n\n    <\/div>\n\n<\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-919d07a e-con-full e-flex e-con e-parent\" data-id=\"919d07a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bdd5c8 elementor-widget elementor-widget-html\" data-id=\"0bdd5c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.pv-benefits{\n    width:100%;\n    background:#f2f4f6;\n    padding:96px 20px;\n    font-family:'Plus Jakarta Sans',sans-serif;\n    color:#191c1e;\n}\n\n.pv-benefits-inner{\n    max-width:1280px;\n    margin:auto;\n    display:grid;\n    grid-template-columns:5fr 7fr;\n    gap:40px;\n    align-items:center;\n}\n\n.pv-benefit-image{\n    position:relative;\n}\n\n.pv-benefit-image-wrap{\n    height:480px;\n    border-radius:16px;\n    overflow:hidden;\n    box-shadow:0 12px 30px rgba(0,0,0,.12);\n}\n\n.pv-benefit-image img{\n    width:100%;\n    height:100%;\n    object-fit:cover;\n    display:block;\n}\n\n.pv-benefit-floating{\n    position:absolute;\n    bottom:-24px;\n    left:24px;\n    max-width:320px;\n    background:#131b2e;\n    color:#fff;\n    padding:16px;\n    border-radius:12px;\n    box-shadow:0 12px 25px rgba(0,0,0,.18);\n}\n\n.pv-benefit-floating-title{\n    display:flex;\n    align-items:center;\n    gap:8px;\n    margin-bottom:4px;\n    color:#6ffbbe;\n    font-size:12px;\n    font-weight:700;\n}\n\n.pv-benefit-floating p{\n    margin:0;\n    color:#7c839b;\n    font-size:13px;\n    line-height:20px;\n}\n\n.pv-benefit-content{\n    display:flex;\n    flex-direction:column;\n    gap:16px;\n}\n\n.pv-benefit-eyebrow{\n    color:#0049de;\n    font-size:12px;\n    font-weight:700;\n    text-transform:uppercase;\n    letter-spacing:.12em;\n}\n\n.pv-benefit-content h2{\n    margin:0;\n    font-size:40px;\n    line-height:48px;\n    letter-spacing:-.025em;\n}\n\n.pv-benefit-intro{\n    margin:0;\n    color:#45464d;\n    font-size:15px;\n    line-height:24px;\n}\n\n.pv-benefit-grid{\n    display:grid;\n    grid-template-columns:repeat(2,1fr);\n    gap:16px;\n    margin-top:4px;\n}\n\n.pv-benefit-card{\n    background:#fff;\n    padding:16px;\n    border-radius:12px;\n    box-shadow:0 2px 8px rgba(0,0,0,.05);\n}\n\n.pv-benefit-icon{\n    width:32px;\n    height:32px;\n    border-radius:8px;\n    background:#dce1ff;\n    color:#001550;\n    display:flex;\n    align-items:center;\n    justify-content:center;\n    margin-bottom:4px;\n}\n\n.pv-benefit-card:nth-child(3) .pv-benefit-icon{\n    background:#6ffbbe;\n    color:#002113;\n}\n\n.pv-benefit-card h4{\n    margin:0;\n    font-size:14px;\n    line-height:18px;\n}\n\n.pv-benefit-card p{\n    margin:4px 0 0;\n    color:#45464d;\n    font-size:13px;\n    line-height:20px;\n}\n\n@media(max-width:900px){\n    .pv-benefits-inner{\n        grid-template-columns:1fr;\n    }\n}\n\n@media(max-width:767px){\n    .pv-benefits{\n        padding:64px 20px;\n    }\n\n    .pv-benefit-content h2{\n        font-size:28px;\n        line-height:36px;\n    }\n\n    .pv-benefit-grid{\n        grid-template-columns:1fr;\n    }\n\n    .pv-benefit-image-wrap{\n        height:400px;\n    }\n\n    .pv-benefit-floating{\n        left:12px;\n        right:12px;\n        bottom:-20px;\n        max-width:none;\n    }\n}\n<\/style>\n\n<section class=\"pv-benefits\">\n\n<div class=\"pv-benefits-inner\">\n\n    <div class=\"pv-benefit-image\">\n\n        <div class=\"pv-benefit-image-wrap\">\n            <img decoding=\"async\"\n                src=\"https:\/\/lh3.googleusercontent.com\/aida-public\/AB6AXuDGPvmRu5uf2fFIP6LMU3zehjL7Gz6VqtEPQ_dIyVGhAgq_4PyWw8dH7xeNfmpeebfmX_OSLpBdPLUtxksFf6HTIbifJkyobRVCAbKezPSgFNNyVNVw7HmYQwaZeRp9i_s0Y6XWS2qEeA3CZvPSNxqTLMf-thlDYCAr859ijafDTL9n-Oe_brvuTxbh0-vmpBPsMSugsrv2ITJs519O58B8prkQD54dozNC39bkFFc0gr1C5zWx4KWy\"\n                alt=\"A dignified Italian public school teacher in his late forties standing in an office environment\"\n            >\n        <\/div>\n\n        <div class=\"pv-benefit-floating\">\n            <div class=\"pv-benefit-floating-title\">\n                <span class=\"pv-material\">savings<\/span>\n                Massima Tutela del Bilancio\n            <\/div>\n\n            <p>\n                La rata non cambia mai nel tempo, anche in caso di rincari dei tassi BCE\n                o fluttuazioni dell'inflazione.\n            <\/p>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"pv-benefit-content\">\n\n        <span class=\"pv-benefit-eyebrow\">\n            Perch\u00e9 conviene PRESTIVANA\n        <\/span>\n\n        <h2>\n            I 4 Vantaggi Esclusivi della Cessione del Quinto\n        <\/h2>\n\n        <p class=\"pv-benefit-intro\">\n            A differenza dei normali prestiti personali, la Cessione del Quinto\n            \u00e8 disciplinata da una legge specifica dello Stato italiano che azzera\n            gli insoluti e riduce al minimo il tasso debitore.\n        <\/p>\n\n        <div class=\"pv-benefit-grid\">\n\n            <div class=\"pv-benefit-card\">\n                <div class=\"pv-benefit-icon\">\n                    <span class=\"pv-material\">autorenew<\/span>\n                <\/div>\n                <h4>Trattenuta Automatica<\/h4>\n                <p>\n                    Dimentica bollettini postali o addebiti SEPA. \u00c8 direttamente\n                    il datore o l'INPS a versare la rata mensile.\n                <\/p>\n            <\/div>\n\n            <div class=\"pv-benefit-card\">\n                <div class=\"pv-benefit-icon\">\n                    <span class=\"pv-material\">assignment_turned_in<\/span>\n                <\/div>\n                <h4>Anche per Segnalati o Protestati<\/h4>\n                <p>\n                    L'approvazione si fonda sulla garanzia del reddito da busta paga\n                    o pensione, non sullo storico CRIF o Experian.\n                <\/p>\n            <\/div>\n\n            <div class=\"pv-benefit-card\">\n                <div class=\"pv-benefit-icon\">\n                    <span class=\"pv-material\">security<\/span>\n                <\/div>\n                <h4>Coperture Assicurative di Legge<\/h4>\n                <p>\n                    Polizza Rischio Vita e Rischio Impiego obbligatorie per legge,\n                    incluse per tutelare integralmente la tua famiglia.\n                <\/p>\n            <\/div>\n\n            <div class=\"pv-benefit-card\">\n                <div class=\"pv-benefit-icon\">\n                    <span class=\"pv-material\">replay<\/span>\n                <\/div>\n                <h4>Rinnovabile ed Estinguibile<\/h4>\n                <p>\n                    Puoi rinnovare la cessione decorsi i 2\/5 del piano per ottenere\n                    nuova liquidit\u00e0, oppure estinguere recuperando gli interessi.\n                <\/p>\n            <\/div>\n\n        <\/div>\n\n    <\/div>\n\n<\/div>\n\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-65ddaa7 e-con-full e-flex e-con e-parent\" data-id=\"65ddaa7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed20610 elementor-widget elementor-widget-html\" data-id=\"ed20610\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.pv-process{\n    width:100%;\n    background:#f7f9fb;\n    padding:96px 20px;\n    font-family:'Plus Jakarta Sans',sans-serif;\n    color:#191c1e;\n}\n\n.pv-process-inner{\n    max-width:1280px;\n    margin:auto;\n}\n\n.pv-process-head{\n    text-align:center;\n    margin-bottom:48px;\n}\n\n.pv-process-head span{\n    color:#0049de;\n    font-size:12px;\n    font-weight:700;\n    text-transform:uppercase;\n    letter-spacing:.12em;\n}\n\n.pv-process-head h2{\n    margin:4px 0;\n    font-size:40px;\n    line-height:48px;\n}\n\n.pv-process-head p{\n    max-width:620px;\n    margin:auto;\n    color:#45464d;\n    font-size:15px;\n    line-height:24px;\n}\n\n.pv-process-grid{\n    display:grid;\n    grid-template-columns:repeat(4,1fr);\n    gap:16px;\n}\n\n.pv-process-card{\n    background:#fff;\n    padding:24px;\n    border-radius:16px;\n    box-shadow:0 3px 10px rgba(0,0,0,.05);\n}\n\n.pv-process-number{\n    width:40px;\n    height:40px;\n    border-radius:50%;\n    background:#0049de;\n    color:#fff;\n    display:flex;\n    align-items:center;\n    justify-content:center;\n    font-size:18px;\n    font-weight:700;\n}\n\n.pv-process-card:last-child .pv-process-number{\n    background:#131b2e;\n    color:#6ffbbe;\n}\n\n.pv-process-card h3{\n    margin:12px 0 0;\n    font-size:18px;\n    line-height:26px;\n}\n\n.pv-process-card p{\n    margin:4px 0 0;\n    color:#45464d;\n    font-size:13px;\n    line-height:20px;\n}\n\n@media(max-width:900px){\n    .pv-process-grid{\n        grid-template-columns:repeat(2,1fr);\n    }\n}\n\n@media(max-width:767px){\n    .pv-process{\n        padding:64px 20px;\n    }\n\n    .pv-process-head h2{\n        font-size:28px;\n        line-height:36px;\n    }\n\n    .pv-process-grid{\n        grid-template-columns:1fr;\n    }\n}\n<\/style>\n\n<section class=\"pv-process\">\n\n<div class=\"pv-process-inner\">\n\n    <div class=\"pv-process-head\">\n        <span>Iter Trasparente &amp; Veloce<\/span>\n\n        <h2>\n            Come si attiva la tua Cessione del Quinto\n        <\/h2>\n\n        <p>\n            Dalla simulazione all'accredito sul tuo conto corrente bancario\n            in 4 passaggi 100% digitali.\n        <\/p>\n    <\/div>\n\n    <div class=\"pv-process-grid\">\n\n        <div class=\"pv-process-card\">\n            <div class=\"pv-process-number\">1<\/div>\n            <h3>Simulazione Online<\/h3>\n            <p>\n                Configuri rata, durata e importo in 2 minuti senza alcun obbligo\n                e senza controlli invasivi in banca dati.\n            <\/p>\n        <\/div>\n\n        <div class=\"pv-process-card\">\n            <div class=\"pv-process-number\">2<\/div>\n            <h3>Upload Documenti<\/h3>\n            <p>\n                Carichi comodamente dal tuo smartphone cedolino pensione o busta paga\n                e documento con crittografia bancaria 256-bit.\n            <\/p>\n        <\/div>\n\n        <div class=\"pv-process-card\">\n            <div class=\"pv-process-number\">3<\/div>\n            <h3>Firma Digitale SPID<\/h3>\n            <p>\n                Firma il contratto elettronicamente con SPID o codice OTP via SMS.\n                Zero scartoffie cartacee o code in filiale.\n            <\/p>\n        <\/div>\n\n        <div class=\"pv-process-card\">\n            <div class=\"pv-process-number\">4<\/div>\n            <h3>Erogazione su IBAN<\/h3>\n            <p>\n                Ottenuta la notifica dall'ente pagatore, i fondi vengono accreditati\n                direttamente sul tuo conto abituale.\n            <\/p>\n        <\/div>\n\n    <\/div>\n\n<\/div>\n\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bce9027 e-con-full e-flex e-con e-parent\" data-id=\"bce9027\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a6185c elementor-widget elementor-widget-html\" data-id=\"5a6185c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.pv-documents{\n    width:100%;\n    background:#f2f4f6;\n    padding:96px 20px;\n    font-family:'Plus Jakarta Sans',sans-serif;\n    color:#191c1e;\n}\n\n.pv-documents-inner{\n    max-width:1280px;\n    margin:auto;\n    display:grid;\n    grid-template-columns:7fr 5fr;\n    gap:40px;\n}\n\n.pv-doc-box,\n.pv-compliance{\n    border-radius:16px;\n    padding:32px;\n    box-shadow:0 4px 14px rgba(0,0,0,.07);\n}\n\n.pv-doc-box{\n    background:#fff;\n}\n\n.pv-compliance{\n    background:#e0e3e5;\n    display:flex;\n    flex-direction:column;\n    justify-content:space-between;\n}\n\n.pv-doc-eyebrow{\n    display:flex;\n    align-items:center;\n    gap:8px;\n    color:#0049de;\n    margin-bottom:4px;\n    font-size:12px;\n    font-weight:700;\n    text-transform:uppercase;\n    letter-spacing:.08em;\n}\n\n.pv-doc-box h3,\n.pv-compliance h3{\n    margin:0;\n    font-size:28px;\n    line-height:36px;\n}\n\n.pv-doc-intro,\n.pv-compliance p{\n    color:#45464d;\n    font-size:13px;\n    line-height:20px;\n}\n\n.pv-document-list{\n    display:flex;\n    flex-direction:column;\n    gap:8px;\n    margin-top:20px;\n}\n\n.pv-document-item{\n    display:flex;\n    align-items:flex-start;\n    gap:8px;\n    padding:14px;\n    background:#f2f4f6;\n    border-radius:12px;\n}\n\n.pv-document-icon{\n    color:#0049de;\n    font-family:'Material Symbols Outlined';\n    font-size:22px;\n}\n\n.pv-document-item strong{\n    display:block;\n    font-size:14px;\n    line-height:18px;\n}\n\n.pv-document-item span{\n    color:#45464d;\n    font-size:13px;\n    line-height:20px;\n}\n\n.pv-compliance-head{\n    display:flex;\n    align-items:center;\n    gap:8px;\n    color:#45464d;\n    margin-bottom:8px;\n    font-size:12px;\n    font-weight:700;\n    text-transform:uppercase;\n    letter-spacing:.08em;\n}\n\n.pv-compliance-list{\n    display:flex;\n    flex-direction:column;\n    gap:8px;\n    color:#45464d;\n    font-size:11px;\n    line-height:16px;\n}\n\n.pv-compliance-list div{\n    display:flex;\n    align-items:center;\n    gap:8px;\n}\n\n.pv-compliance-list .pv-material{\n    color:#0049de;\n}\n\n.pv-support{\n    margin-top:24px;\n    padding:12px;\n    border-radius:8px;\n    background:#fff;\n    display:flex;\n    justify-content:space-between;\n    align-items:center;\n    gap:10px;\n    font-size:12px;\n}\n\n.pv-support strong{\n    color:#0049de;\n}\n\n@media(max-width:900px){\n    .pv-documents-inner{\n        grid-template-columns:1fr;\n    }\n}\n\n@media(max-width:767px){\n    .pv-documents{\n        padding:64px 20px;\n    }\n\n    .pv-doc-box,\n    .pv-compliance{\n        padding:24px;\n    }\n\n    .pv-doc-box h3,\n    .pv-compliance h3{\n        font-size:22px;\n        line-height:30px;\n    }\n\n    .pv-support{\n        flex-direction:column;\n        align-items:flex-start;\n    }\n}\n<\/style>\n\n<section class=\"pv-documents\">\n\n<div class=\"pv-documents-inner\">\n\n    <div class=\"pv-doc-box\">\n\n        <div class=\"pv-doc-eyebrow\">\n            <span class=\"pv-material\">checklist<\/span>\n            Documenti Richiesti\n        <\/div>\n\n        <h3>\n            Cosa ti serve per avviare la richiesta\n        <\/h3>\n\n        <p class=\"pv-doc-intro\">\n            Bastano pochi documenti essenziali che hai gi\u00e0 a disposizione\n            a casa o sul cassetto telematico INPS \/ NoiPA:\n        <\/p>\n\n        <div class=\"pv-document-list\">\n\n            <div class=\"pv-document-item\">\n                <span class=\"pv-document-icon\">badge<\/span>\n                <div>\n                    <strong>Documento di Riconoscimento &amp; Tessera Sanitaria<\/strong>\n                    <span>\n                        Carta d'identit\u00e0 valida, patente plastificata o passaporto\n                        unitamente al Codice Fiscale.\n                    <\/span>\n                <\/div>\n            <\/div>\n\n            <div class=\"pv-document-item\">\n                <span class=\"pv-document-icon\">description<\/span>\n                <div>\n                    <strong>Documentazione Reddituale Recente<\/strong>\n                    <span>\n                        Ultime due buste paga per dipendenti oppure ultimi due cedolini\n                        pensione con modello CU dell'ultimo anno.\n                    <\/span>\n                <\/div>\n            <\/div>\n\n            <div class=\"pv-document-item\">\n                <span class=\"pv-document-icon\">account_balance_wallet<\/span>\n                <div>\n                    <strong>Coordinate Bancarie (IBAN)<\/strong>\n                    <span>\n                        Per il versamento della somma deliberata senza vincolo\n                        di apertura nuovo conto.\n                    <\/span>\n                <\/div>\n            <\/div>\n\n        <\/div>\n\n    <\/div>\n\n    <div class=\"pv-compliance\">\n\n        <div>\n\n            <div class=\"pv-compliance-head\">\n                <span class=\"pv-material\">policy<\/span>\n                Garanzia &amp; Vigilanza\n            <\/div>\n\n            <h3>\n                Trasparenza Istituzionale e Tutela del Consumatore\n            <\/h3>\n\n            <p>\n                La Cessione del Quinto PRESTIVANA opera in stretta conformit\u00e0\n                al D.P.R. 5 gennaio 1950 n. 180, alle disposizioni di vigilanza\n                prudenziale della Banca d'Italia e agli standard di trasparenza\n                del Titolo VI del TUB (D.Lgs. 385\/1993).\n            <\/p>\n\n            <div class=\"pv-compliance-list\">\n\n                <div>\n                    <span class=\"pv-material\">check<\/span>\n                    Iscrizione OAM Elenco Mediatori Creditizi n. M117\n                <\/div>\n\n                <div>\n                    <span class=\"pv-material\">check<\/span>\n                    Modello SECCI (IEBCC) fornito prima di ogni stipula\n                <\/div>\n\n                <div>\n                    <span class=\"pv-material\">check<\/span>\n                    Diritto di recesso entro 14 giorni senza penali\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n        <div class=\"pv-support\">\n            <span>Assistenza dedicata clienti:<\/span>\n            <strong>+39 377 339 3065  (Numero Verde)<\/strong>\n        <\/div>\n\n    <\/div>\n\n<\/div>\n\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d44b96c e-con-full e-flex e-con e-parent\" data-id=\"d44b96c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c32ef2d elementor-widget elementor-widget-html\" data-id=\"c32ef2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.pv-faq{\n    width:100%;\n    background:#f7f9fb;\n    padding:96px 20px;\n    font-family:'Plus Jakarta Sans',sans-serif;\n    color:#191c1e;\n}\n\n.pv-faq-inner{\n    max-width:900px;\n    margin:auto;\n}\n\n.pv-faq-head{\n    text-align:center;\n    margin-bottom:48px;\n}\n\n.pv-faq-head span{\n    color:#0049de;\n    font-size:12px;\n    font-weight:700;\n    text-transform:uppercase;\n    letter-spacing:.12em;\n}\n\n.pv-faq-head h2{\n    margin:4px 0 0;\n    font-size:40px;\n    line-height:48px;\n}\n\n.pv-faq-list{\n    display:flex;\n    flex-direction:column;\n    gap:8px;\n}\n\n.pv-faq-item{\n    background:#f2f4f6;\n    border-radius:12px;\n    overflow:hidden;\n    box-shadow:0 2px 8px rgba(0,0,0,.04);\n}\n\n.pv-faq-question{\n    width:100%;\n    border:0;\n    background:transparent;\n    padding:16px;\n    text-align:left;\n    display:flex;\n    justify-content:space-between;\n    align-items:center;\n    gap:16px;\n    cursor:pointer;\n    font-family:inherit;\n    color:#191c1e;\n    font-size:18px;\n    line-height:26px;\n    font-weight:600;\n}\n\n.pv-faq-icon{\n    font-family:'Material Symbols Outlined';\n    flex:none;\n    transition:transform .2s ease;\n}\n\n.pv-faq-answer{\n    display:none;\n    padding:0 16px 16px;\n    color:#45464d;\n    font-size:15px;\n    line-height:24px;\n}\n\n.pv-faq-item.pv-open .pv-faq-answer{\n    display:block;\n}\n\n.pv-faq-item.pv-open .pv-faq-icon{\n    transform:rotate(180deg);\n}\n\n@media(max-width:767px){\n    .pv-faq{\n        padding:64px 20px;\n    }\n\n    .pv-faq-head h2{\n        font-size:28px;\n        line-height:36px;\n    }\n\n    .pv-faq-question{\n        font-size:16px;\n        line-height:24px;\n    }\n}\n<\/style>\n\n<section class=\"pv-faq\">\n\n<div class=\"pv-faq-inner\">\n\n    <div class=\"pv-faq-head\">\n        <span>Domande Frequenti<\/span>\n\n        <h2>\n            Tutto quello che devi sapere sulla Cessione del Quinto\n        <\/h2>\n    <\/div>\n\n    <div class=\"pv-faq-list\">\n\n        <div class=\"pv-faq-item\">\n\n            <button class=\"pv-faq-question\" type=\"button\">\n                <span>\n                    Cos'\u00e8 esattamente la Cessione del Quinto e perch\u00e9 ha tassi cos\u00ec vantaggiosi?\n                <\/span>\n                <span class=\"pv-faq-icon\">expand_more<\/span>\n            <\/button>\n\n            <div class=\"pv-faq-answer\">\n                La Cessione del Quinto \u00e8 un finanziamento a tasso fisso disciplinato\n                per legge in cui la rata viene trattenuta direttamente dall'ente pensionistico\n                (INPS) o dall'azienda datrice di lavoro. Poich\u00e9 il rimborso \u00e8 garantito alla\n                fonte dallo stipendio o pensione, il rischio di insolvenza si azzera:\n                per questo motivo possiamo offrire tassi eccezionali TAN fisso promozionali\n                compresi fra il 2,00% e il 3,00%.\n            <\/div>\n\n        <\/div>\n\n        <div class=\"pv-faq-item\">\n\n            <button class=\"pv-faq-question\" type=\"button\">\n                <span>\n                    Posso richiederla se ho altri prestiti attivi o disguidi in CRIF?\n                <\/span>\n                <span class=\"pv-faq-icon\">expand_more<\/span>\n            <\/button>\n\n            <div class=\"pv-faq-answer\">\n                S\u00ec, assolutamente. La Cessione del Quinto \u00e8 accessibile anche a chi ha\n                ritardi nei pagamenti di prestiti personali passati, protesti o segnalazioni\n                nei sistemi di informazioni creditizie (CRIF, CTC, Experian). La garanzia\n                risiede esclusivamente sulla busta paga o pensione netta mensile.\n            <\/div>\n\n        <\/div>\n\n        <div class=\"pv-faq-item\">\n\n            <button class=\"pv-faq-question\" type=\"button\">\n                <span>\n                    Come viene calcolato il quinto massimo cedibile?\n                <\/span>\n                <span class=\"pv-faq-icon\">expand_more<\/span>\n            <\/button>\n\n            <div class=\"pv-faq-answer\">\n                Il quinto cedibile corrisponde al 20% esatto dello stipendio o pensione netta.\n                Ad esempio, a fronte di uno stipendio netto mensile di \u20ac 1.500, la rata massima\n                non potr\u00e0 mai superare \u20ac 300 al mese. Per i pensionati \u00e8 inoltre tutelato\n                il trattamento minimo di legge stabilito annualmente dall'INPS.\n            <\/div>\n\n        <\/div>\n\n        <div class=\"pv-faq-item\">\n\n            <button class=\"pv-faq-question\" type=\"button\">\n                <span>\n                    Chi paga la polizza assicurativa obbligatoria?\n                <\/span>\n                <span class=\"pv-faq-icon\">expand_more<\/span>\n            <\/button>\n\n            <div class=\"pv-faq-answer\">\n                In conformit\u00e0 alle disposizioni di legge, il costo della polizza Rischio Vita\n                e Rischio Impiego \u00e8 gi\u00e0 integrato e assorbito nel conteggio del TAEG complessivo,\n                senza alcun esborso anticipato da parte tua. La polizza tutela interamente\n                gli eredi o solleva il lavoratore in caso di imprevisti.\n            <\/div>\n\n        <\/div>\n\n        <div class=\"pv-faq-item\">\n\n            <button class=\"pv-faq-question\" type=\"button\">\n                <span>\n                    Posso estinguere o rinnovare il prestito prima della scadenza?\n                <\/span>\n                <span class=\"pv-faq-icon\">expand_more<\/span>\n            <\/button>\n\n            <div class=\"pv-faq-answer\">\n                Certamente. Puoi estinguere la Cessione del Quinto in qualsiasi momento\n                beneficiando del rimborso immediato della quota di interessi non maturati.\n                \u00c8 inoltre possibile rinnovare la cessione per ottenere ulteriore liquidit\u00e0\n                una volta trascorso il 40% (2\/5) della durata complessiva del piano.\n            <\/div>\n\n        <\/div>\n\n    <\/div>\n\n<\/div>\n\n<\/section>\n\n<script>\n(function(){\n\n    const items = document.querySelectorAll('.pv-faq-item');\n\n    items.forEach(item => {\n\n        const button = item.querySelector('.pv-faq-question');\n\n        button.addEventListener('click',function(){\n\n            const isOpen = item.classList.contains('pv-open');\n\n            items.forEach(other => {\n                other.classList.remove('pv-open');\n            });\n\n            if(!isOpen){\n                item.classList.add('pv-open');\n            }\n\n        });\n\n    });\n\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e867861 e-con-full e-flex e-con e-parent\" data-id=\"e867861\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01a1f1d elementor-widget elementor-widget-html\" data-id=\"01a1f1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.pv-final{\n    width:100%;\n    background:#131b2e;\n    color:#fff;\n    padding:96px 20px;\n    font-family:'Plus Jakarta Sans',sans-serif;\n    position:relative;\n    overflow:hidden;\n}\n\n.pv-final-inner{\n    max-width:1280px;\n    margin:auto;\n}\n\n.pv-final-box{\n    background:rgba(255,255,255,.08);\n    backdrop-filter:blur(20px);\n    border-radius:16px;\n    padding:64px;\n    display:flex;\n    justify-content:space-between;\n    align-items:center;\n    gap:48px;\n}\n\n.pv-final-content{\n    max-width:720px;\n}\n\n.pv-final-tag{\n    display:inline-flex;\n    padding:4px 12px;\n    border-radius:999px;\n    background:#dce1ff;\n    color:#001550;\n    font-size:12px;\n    line-height:16px;\n    font-weight:700;\n}\n\n.pv-final h2{\n    margin:16px 0 0;\n    font-size:40px;\n    line-height:48px;\n    letter-spacing:-.025em;\n}\n\n.pv-final-description{\n    margin:8px 0 0;\n    color:#7c839b;\n    font-size:15px;\n    line-height:24px;\n}\n\n.pv-final-benefits{\n    display:flex;\n    flex-wrap:wrap;\n    gap:16px;\n    margin-top:16px;\n    color:#6ffbbe;\n    font-size:12px;\n    font-weight:600;\n}\n\n.pv-final-benefits span{\n    display:flex;\n    align-items:center;\n    gap:4px;\n}\n\n.pv-final-actions{\n    display:flex;\n    flex-direction:column;\n    gap:8px;\n    width:260px;\n    flex:none;\n}\n\n.pv-final-btn{\n    display:flex;\n    align-items:center;\n    justify-content:center;\n    gap:8px;\n    padding:16px 24px;\n    border-radius:8px;\n    text-decoration:none;\n    font-size:14px;\n    font-weight:700;\n    text-align:center;\n}\n\n.pv-final-primary{\n    background:#0049de;\n    color:#fff;\n    box-shadow:0 8px 20px rgba(0,0,0,.2);\n}\n\n.pv-final-primary:hover{\n    background:#2d64ff;\n    color:#fff;\n}\n\n.pv-final-secondary{\n    background:rgba(255,255,255,.15);\n    color:#fff;\n}\n\n.pv-final-secondary:hover{\n    background:rgba(255,255,255,.25);\n}\n\n.pv-final-secondary .pv-material{\n    color:#6ffbbe;\n}\n\n@media(max-width:900px){\n    .pv-final-box{\n        flex-direction:column;\n        align-items:flex-start;\n    }\n\n    .pv-final-actions{\n        width:100%;\n        flex-direction:row;\n    }\n\n    .pv-final-btn{\n        flex:1;\n    }\n}\n\n@media(max-width:767px){\n    .pv-final{\n        padding:64px 20px;\n    }\n\n    .pv-final-box{\n        padding:32px 24px;\n    }\n\n    .pv-final h2{\n        font-size:28px;\n        line-height:36px;\n    }\n\n    .pv-final-benefits{\n        flex-direction:column;\n        gap:8px;\n    }\n\n    .pv-final-actions{\n        flex-direction:column;\n    }\n\n    .pv-final-btn{\n        width:100%;\n    }\n}\n<\/style>\n\n<section class=\"pv-final\">\n\n<div class=\"pv-final-inner\">\n\n    <div class=\"pv-final-box\">\n\n        <div class=\"pv-final-content\">\n\n            <span class=\"pv-final-tag\">\n                Consulenza Gratuita &amp; Senza Impegno\n            <\/span>\n\n            <h2>\n                Blocca oggi il tuo Tasso Agevolato dal 2,00% al 3,00%\n            <\/h2>\n\n            <p class=\"pv-final-description\">\n                I nostri specialisti di credito al consumo sono a tua disposizione\n                per verificare la quota cedibile e calcolare il preventivo ufficiale\n                NoiPA o INPS in meno di 15 minuti.\n            <\/p>\n\n            <div class=\"pv-final-benefits\">\n\n                <span>\n                    <span class=\"pv-material\">check_circle<\/span>\n                    Risposta in 24h\n                <\/span>\n\n                <span>\n                    <span class=\"pv-material\">check_circle<\/span>\n                    Zero spese nascoste\n                <\/span>\n\n                <span>\n                    <span class=\"pv-material\">check_circle<\/span>\n                    Consulente dedicato\n                <\/span>\n\n            <\/div>\n\n        <\/div>\n\n        <div class=\"pv-final-actions\">\n\n            <a\n                href=\"https:\/\/prestivana.com\/richiedi\/\"\n                class=\"pv-final-btn pv-final-primary\"\n            >\n                Richiedi Preventivo Gratuito\n                <span class=\"pv-material\">send<\/span>\n            <\/a>\n\n            <a\n                href=\"https:\/\/wa.me\/qr\/SDZHNMT6LLUBO1\"\n                target=\"_blank\"\n                rel=\"noopener noreferrer\"\n                class=\"pv-final-btn pv-final-secondary\"\n            >\n                <span class=\"pv-material\">chat<\/span>\n                Scrivici su WhatsApp\n            <\/a>\n\n        <\/div>\n\n    <\/div>\n\n<\/div>\n\n<\/section>\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>Cessione del Quinto: liquidit\u00e0 su misura con trattenuta diretta e tasso dal 2% al 3% Il finanziamento protetto dedicato a dipendenti pubblici, privati e pensionati. Nessun garante o ipoteca richiesti, polizze vita e impiego obbligatorie coperte per legge e rata fissa mai superiore a un quinto delle tue entrate nette. Calcola la tua Rata arrow_forward [&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":{"footnotes":""},"class_list":["post-832","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/prestivana.com\/de\/wp-json\/wp\/v2\/pages\/832","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prestivana.com\/de\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/prestivana.com\/de\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/prestivana.com\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prestivana.com\/de\/wp-json\/wp\/v2\/comments?post=832"}],"version-history":[{"count":59,"href":"https:\/\/prestivana.com\/de\/wp-json\/wp\/v2\/pages\/832\/revisions"}],"predecessor-version":[{"id":1044,"href":"https:\/\/prestivana.com\/de\/wp-json\/wp\/v2\/pages\/832\/revisions\/1044"}],"wp:attachment":[{"href":"https:\/\/prestivana.com\/de\/wp-json\/wp\/v2\/media?parent=832"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}