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Si sente spesso parlare di come si possono ottenere dei prestiti a condizioni vantaggiose, ma molto più raramente si sente invece parlare di come si possono estinguere i prestiti. L’estinzione anticipata dei prestiti infatti è certamente più rara della richiesta di erogazione dei prestiti, ma è comunque una strada percorribile che possiede una procedura propria e ben codificata.
Iniziamo col dire che l’estinzione advance loan is nothing more than the faculty that the applicant has to pay in advance, compared to the agreed time, your debt. This right is guaranteed by law (the Banking Act - Article 40, paragraph I) and is therefore expected in all types of loans.
Before requesting early repayment of a loan is necessary to get the count so-called extinct, or that count showing the amount due to the credit institution in order to achieve the early repayment of the loan current. Counting discontinuance of the loans is calculated by subtracting the amount still to be returned (ie, the monthly repayment multiplied by the number of installments yet be honored), the amount of interest not accrued (TAN). To get the real count this amount must be added the associated costs - set in the contract-signing of loans and early repayment penalty, that is, a sum which by law can not exceed 1% of the amount that we still have to pay.
counting extinct and therefore a real certificate, and to release the same institution that gave us the loan. The certificate of discontinuance
count are then also given all the information to perform effectively the early repayment of its debts, or the banking institution that issued it and the purpose of bonifico, oltre che ovviamente la somma totale da versare.
Il conteggio per accedere all’estinzione anticipata dei prestiti ha una validità limitata nel tempo, in quanto l’importo è strettamente legato al giorno di calcolo del conteggio stesso. Per questo motivo, nel certificato di conteggio estintivo viene riportata anche la data massima entro la quale si potrà portare a termine l’estinzione anticipata dei prestiti che abbiamo in corso. Successivamente a quella data, il conteggio non ha più valore e l’estinzione anticipata necessiterà di un nuovo conteggio estintivo, alla luce del quale verranno dettate altre condizioni per arrivare alla stessa estinzione anticipata.
Percorrere la strada dell’estinzione advance loans is certainly a case to be considered as it involves the saving of interest not yet due. In contrast, however, those savings should be balanced with the penalty of early termination to which we can add any commission fees.
to complete the practice of early repayment of its debt, in the case of loans through the fifth assignment or delegation loans, it is necessary that the credit institution that issued the loan itself - which is also the same as made the count extinct - in an official notifies the employer of the applicant that the debt has been settled and therefore should not be made further deductions on salary. In this way, the employer will from the month following notification to the applicant to pay the full amount of their salary.

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Intervento del Capogruppo di Massa Comune: Alessandro Tassoni.

Ladies and gentlemen of the Council, Friends of the democratic masses,


I became leader of the civic movement Massa City only a few days ago, a project which I strongly believe, a project that seeks to enclose inside the professionalism, competence and the will of all people who love where they live.

Reading Your remarks appeared in the press lately about of the two outgoing directors, and Iozzo Mazzocco, makes me smile to hear you say that on some occasions, with them, they would lose the possibility of some collaboration absolutely never known, and the expression of components of the left, when other hand, as until a few days ago, be vested in them the expression of the "worst racist and right Northern League, improperly using such adjectives as offensive weapons. I should like to remind you that, as an expression of the "left" you are talking about today, that expression of the "worst right" that you always talked about, the two gentlemen were Iozzo and Mazzocco, respectively, our candidate for mayor and candidate for deputy mayor. Considering this, do not believe there is a strong contradiction in your words?

Beyond that, I would immediately dispel any doubts you may have absolutely clear that we do not go hand in hand with anyone, but we share many points with the PDL and other local issues facing our country. This was made possible thanks to the fact that, calmly, that political education has abandoned any preconceived ideas, too political, just in the public interest and what we see united in wanting the best for our city. As, indeed, has already made some friends from the same area your policy, supporters Italia dei Valori, Rifondazione Comunista, the Greens, the same accident, Freedom and Ecology and also the ex-DS, which has not made a scruple to sit around a table alongside the supporters, as you call them, of right, but they seemed not so extreme, and with whom they have known and essentially wanted to speak, proposing, and even accepting their proposals.

What I want you to understand is that, locally, in a small company like ours, there can be no political ideologies closed, dense, stagnant or sticky, but, mind open to everything, and we should, first of all each we learn to look and assess people for who they are and not for the flag that is sewn on them. Massa Marittima is in fact composed of not just one, but many colors and sounds, which, blended together, can create the most appropriate instrument to reshape the future of our city.

Finally I'd like to be able to remember that Berlusconi has never been in Massa Marittima, and probably will not even know where it is located geographically. And 'so the time to stop download abstract fault or responsibility, but mainly due to inefficiency or inability to someone, often well known, and ask you to focus on what happens or does not happen here, well where other politicians have set failures, or even the incredible true emergency for the area, for our City and citizens administered by them.

So instead of worrying of the alternation of directors of Common Ground and the reasons for "hidden" which might have arisen, it would be the case that your political party, which moreover has to be able to manage well in the city of Massa, did know when he plans to convene a public meeting, open to all and maybe not only to representatives of members, to explain, for example, which and how many public works should be blocked because the first payment of € 500,000 on the arbitration award with the Pizzarotti? But above all, that made it known to their fellow citizens when he intends to identify the actual charge or if you would continue to play the blame game? "

Love,

Alessandro Tassoni

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FAVILLI (PDL) CHIEDE SPIEGAZIONI SULLA QUESTIONE PIZZAROTTI «Il debito penalizzerà i cittadini?»

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Massa Marittima FAVILLA FINANCE (PDL) PIZZAROTTI SEEKS EXPLANATION ON THE QUESTION "Debt penalize citizens?"



'responsibilities and financial costs attributable to a few must not and can not be reversed on the community. "So the leader of the PDL of John Massa Marittima Favilli debt in the City Pizzarotti against the company in light of the report of Charles Cagnani financial services manager for whom "in the absence of any alienation of assets or communication by Pizzarotti to further delay the payment, it is necessary to cut in all projects currently funded with infrastructure costs, allocate resources such shares (including the 'surplus of Directors amounted to € 78,807.39) to finance the debt off-balance rate for 2010 of € 700,000. " The statement informed the mayor that the payment of the fee of 500,000 euro scheduled for June 30 has further alarmed - said Favilli - because, at this point, even a possible extension of the debt of € 200,000 set for Sept. 30 to significantly alter the state of affairs. For this reason in the face of the threat of blocking direct investment in the development of our dysfunctional economy and the welfare of the inhabitants, I believe there can be no other response than the transparency of the objectives and unity of purpose. To do this, ask to be involved with all citizens in the process of cut in the projects, relying of course the ongoing investigation by the Court of Auditors, whose verdict will be for us the final and indisputable opinion on any personal responsibility. "

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La vicenda Pizzarotti in Parlamento Grimoldi chiama in causa Alfano

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Massa Marittima
The controversy Leaguers HONOURABLE MINISTER LAYS a question to the affair Grimoldi Pizzarotti in Parliament summons Alfano



Gianfranco PROPERTY

the story of the payment of 1 million 200 thousand euro compensation to the company Pizzarotti for disputes that arise during the construction of the district prison in Camilletta location is enhanced by a dramatic new chapter. Abandoned the narrow rooms of the board room where Mass was also discussed at length at the last Council, arrived in the most spacious of the Parliament. In fact, Mr Paul Grima Northern League has submitted a response to written to the Minister for Justice Angelino Alfano to verify whether the Ministry of Via Arenula both full knowledge of all aspects of the story, including the opening of a dossier by the Regional Prosecutor of the Court of Auditors, which asked the mining community names and personal details of the designer, project manager and members of the Board and City Council who approved the project and the expertise of variation in November 1991, perhaps in anticipation of the investigation of possible personal liability.

Grima, as well as to reconstruct in detail the story raises serious doubts about the legitimacy of the request for full reimbursement submitted to the government from the town of Massa as the law of 1991 raised for the return of money already paid or payable "does not seem to adapt to this situation in which the local authority, which has carried out the duties of the contracting authority on behalf of the Ministry, seems not to have carried out their duties properly control the acts prior to the procedure for the award of work, preliminary design, and final work, technical expertise, tender documents, even in the hands of outsiders. " In light of the news regarding the opening of a dossier by the Court of Auditors, the prison chapter of Camilletta is enriched by new features in addition to those reported to be possible until the payment by the municipality in favor of Pizzarotti amount decreed by the Court of Appeal of Rome.

So far, remember, had paid the first installment of € 500 thousand, which expired on 30 June. The other two remain standing, one of the other 200 thousand € 459 463 respectively, with maturities of 30 September and 31 January next year.

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Pizzarotti: dire tutto in un niente! Abilità...

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Massa Marittima PIZZAROTTI IF THE MAYOR EXPLAINS DEVELOPMENTS "We have the resources to find the money"


Even with a shift of a couple of months was paid the first installment of half a million of the total debt of € 1,159,463 € that the town of Massa Marittima is Pizzarotti Undertaking for the construction of the penitentiary Camilletta, as the Court of Appeal of Rome. We spoke with the Mayor Lydia Bai.


What remains to be done now?


"At this point remains to be paid two installments, one from the other 200 thousand to € 459,463 which expire on 30 September and 31 January next year."


you planning any action?


"For our part, we still asked the Ministry of Justice, as the owner of the detention facility, the repayment of the full amount with the addition of € 12 thousand in legal fees incurred by us."


With what results?


"Still we are waiting for an answer, which we promptly avoided."


If this attempt should go blank, as you seek to have the cash?


"Certainly selling that part of that heritage the City has to be used for building purposes. "


It did not seem so easy.


"There are difficulties because so far all auctions have been deserted."


And if it should continue like this?


'If the expected sales did not have to be successful within the current year we would be forced to use all resources at their disposal to meet their payment obligations in respect of Pizzarotti.


on what resources plan to rely?


"The costs of urbanization, the surplus of Directors 2009 and other sources of capital."


OTHERWISE at worst, in the absence of alienation of assets or other extended payment arrangements agreed with the Pizzarotti, you will need cut in all projects currently funded with infrastructure costs by allocating those resources , including 78 thousand euro in 2009 administration of the surplus to finance off-balance sheet debt related to the two installments to be paid by the end of the year.