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Legge di stabilità 2012 per la famiglia

All’interno della Legge di stabilità 2012, in corrispondenza dell’articolo 12, c’è una importante misura a sostegno della famiglia. Trattasi, nello specifico, della proroga del “Fondo di credito per i nuovi nati” a valere sul triennio dal 2012 all’anno 2014.

Istituito nel 2009, con il “Fondo di credito per i nuovi nati” è così possibile ottenere, previa presentazione della relativa domanda presso le banche, un prestito agevolato fino a 5.000 mila euro in quelle famiglie dove ci sono nuovi nati o figli adottati.



CREDITO FAMIGLIE E IMPRESE COL CONTAGOCCE

Il tutto a patto di presentare ogni anno la domanda entro e non oltre il 30 giugno dell’anno successivo a quello della nascita o dell’adozione. Sono tante le banche che sinora hanno aderito e che ad oggi hanno permesso, in accordo con quanto riportato dal sito Internet ufficiale del Governo, l’erogazione di finanziamenti per oltre 127 milioni di euro. Nel dettaglio, sono state attivate quasi 26 mila garanzie a favore di altrettante famiglie con nuovi nati o figli adottati presso 141 banche di 20 Regioni italiane.

LEGGE SALVA-FAMIGLIE GOVERNO MONTI

Il prestito con il “Fondo di credito per i nuovi nati” è ottenibile senza la necessità di dover rispettare specifici limiti di reddito, e senza alcuna motivazione o giustificazione da presentare all’istituto di credito. Al pari di tutti gli altri prestiti, anche quello con il “Fondo di credito per i nuovi nati”, che gode di un tasso agevolato, deve essere puntualmente rimborsato in base al piano di ammortamento che può durare nello specifico fino a cinque anni, ovverosia in 60 rate mensili.