Tempo di lettura: 2 minuti

Un nuovo Decreto emanato dal nostro governo per attenuare, o almeno provare ad attenuare, gli effetti che l’emergenza coronavirus sta avendo sull’ economia e nel caso specifico sulla liquidità delle imprese e delle famiglie.


In questo articolo, dopo aver sinteticamente esposte le modalità e i requisiti di accesso al famoso prestito di 25 mila €, analizzeremo le insidie che si celano dietro a questa trovata.

Con il Decreto liquidità (DL 23/2020) il governo ha ampliato le strategie di semplificazione previste dal precedente decreto “il Decreto Cura Italia”.

Il “beneficio” è rivolto ai lavoratori autonomi e alle imprese con un numero di dipendenti inferiore a 500.

Si posso richiedere direttamente alla banca fino a 25 mila euro, rimborsabili in 6 anni, di cui due di preammortamento. Il tasso di interesse è fissato sotto il 2%; alcune banche dichiarano addirittura di applicarlo tra lo 0,04 e l’1,13%.

Il prestito, inoltre, è interamente coperto dal Fondo Centrale di Garanzia e a dire del presidente dell’Associazione Bancaria Italiana i tempi di erogazione della somma di denaro sono molto rapidi.

Diversi istituti di credito hanno anche predisposto dei canali online dedicati, automatizzando la procedura per la concessione; è possibile scaricare la domanda da www.fondidigaranzia.it , il modulo va compilato e successivamente inviato alla banca con allegato il documento di identità del richiedente.

Non è necessario essere clienti o avere il conto corrente acceso con la banca per presentare la domanda.

E’ possibile finanziare un massimo del 25% di ricavi per un massimo di 25000 e. Quindi se voglio richiedere il prestito per l’intero importo di 25 000 euro dovrò avere 100.000 euro di fatturato annuo.

Vanno, infine, indicate le finalità del prestito, ossia per quali tipologie di acquisti verrà utilizzato.

Esaminati gli aspetti seducenti di tale misura, ci sentiamo in dovere, però, anche dall’indicarvi le criticità esistenti e non sottovalutabili da colui che si accinge a presentare la relativa richiesta di erogazione del suddetto prestito.

Innanzitutto, il Fondo, qualora lo riterrà necessario – e molto probabilmente lo riterrà necessario – potrà non solo procedere alla revoca anche totale del prestito ma applicare eventuali sanzioni, in determinate situazioni.

Inoltre, a seguito di un sondaggio da noi effettuato presso diverse banche abbiamo notato che la fase istruttoria non è semplificata ma presenta i caratteri e i tempi della tipica fase istruttoria per l’erogazione di un qualunque prestito. Infatti, il prestito di cui si discorre verrà elargito solo se il richiedente è ritenuto meritevole dalla banca, secondo i criteri e requisiti di un’ordinaria richiesta di finanziamento alla banca.

Non da ultimo, occorre tener presente che il Fondo garantisce sì ma solo per la banca non anche per il cliente. In altre parole, se il cliente non paga, è vero che la banca andrà a rivalersi sul fondo, ma quest’ultimo una volta pagato il debito poi andrà a RIVALERSI SUL CLIENTE per l’intera somma con l’azione di manleva.





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