{"id":1434,"date":"2023-08-07T13:05:41","date_gmt":"2023-08-07T11:05:41","guid":{"rendered":"https:\/\/regbu.com\/?p=1434"},"modified":"2025-09-05T07:40:13","modified_gmt":"2025-09-05T05:40:13","slug":"refinancovani-vs-konsolidace-pujcek","status":"publish","type":"post","link":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/","title":{"rendered":"Rifinanziamento vs. consolidamento del prestito"},"content":{"rendered":"<p>Il rifinanziamento \u00e8 un concetto strettamente collegato, ad esempio, a\u00a0<strong><a href=\"https:\/\/regbu.com\/it\/americano-ipotecario-dal-classico-lissa\/\">Mutuo americano<\/a><\/strong>, mutui convenzionali, prestiti al consumo e altri tipi di prestiti. Un concorrente di questo prodotto finanziario \u00e8 il consolidamento dei prestiti. Entrambi hanno un obiettivo importante.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Riduzione delle rate mensili<\/li>\n\n\n\n<li>Interessi pi\u00f9 bassi<\/li>\n\n\n\n<li>Ridurre al minimo i costi<\/li>\n<\/ul>\n\n\n\n<p>Tuttavia, \u00e8 essenziale sapere quali sono <em>differenze tra le due varianti<\/em>. Ognuno di essi non ha solo un significato diverso. Hanno anche alcuni pro e contro. Ve ne convinceremo nelle righe che seguono.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Che cos'\u00e8 il rifinanziamento del prestito?<\/h2>\n\n\n\n<p>Quando si dice <strong>rifinanziamento del prestito<\/strong>... si pu\u00f2 immaginare solo una cosa. In parole povere, il vecchio prestito viene sostituito da uno nuovo. Il nuovo prestito avr\u00e0 condizioni di credito migliori. Cio\u00e8, ha un tasso di interesse pi\u00f9 basso o offre qualcosa in pi\u00f9. Si tratta quindi di una mossa che ha l'obiettivo di risparmiare denaro. Allo stesso tempo, pu\u00f2 diventare una soluzione quando non si \u00e8 in grado di rimborsare i debiti sfavorevoli.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Consolidamento del prestito e informazioni aggiuntive<\/h3>\n\n\n\n<p>Il consolidamento si basa essenzialmente sul rifinanziamento. Dietro questo termine, tuttavia, si nasconde <strong>fusione o, se preferite, unificazione<\/strong>. Vengono combinati pi\u00f9 prestiti contemporaneamente. Questi vengono di fatto sostituiti da uno solo. I vantaggi di entrambe le soluzioni sono illustrati nelle righe che seguono.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1691492587714\"><strong class=\"schema-faq-question\">Quali prodotti possono essere consolidati?<\/strong> <p class=\"schema-faq-answer\">Possono essere prestiti non bancari, prestiti al consumo, scoperti di conto corrente e carte di credito.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492594135\"><strong class=\"schema-faq-question\">Posso ridurre il mio pagamento mensile rifinanziando?<\/strong> <p class=\"schema-faq-answer\">S\u00ec, innanzitutto grazie al miglior tasso di interesse. Poi pu\u00f2 contribuire anche l'estensione della durata del prestito.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492600712\"><strong class=\"schema-faq-question\">Il consolidamento vale sempre la pena?<\/strong> <p class=\"schema-faq-answer\">Non \u00e8 detto che sia cos\u00ec. Ad esempio, se i vecchi mutui prevedono elevate penali di estinzione anticipata, non ne vale la pena.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492609378\"><strong class=\"schema-faq-question\">Posso ottenere denaro extra con questi prodotti?<\/strong> <p class=\"schema-faq-answer\">S\u00ec, sia con il consolidamento che con il rifinanziamento \u00e8 possibile ottenere un finanziamento supplementare. Basta essere un cliente sufficientemente meritevole di credito. Ci\u00f2 significa che dovrete dimostrare la vostra affidabilit\u00e0 creditizia al nuovo finanziatore.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492618453\"><strong class=\"schema-faq-question\">Quale fornitore offre consolidamento e rifinanziamento?<\/strong> <p class=\"schema-faq-answer\">Questi prodotti di prestito sono attualmente offerti non solo dagli istituti bancari. Potete anche approfittare delle offerte di prodotti di societ\u00e0 non bancarie autorizzate dalla CNB.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>Il rifinanziamento \u00e8 un concetto strettamente legato, ad esempio, ai mutui americani, ai mutui convenzionali, ai prestiti al consumo e ad altri tipi di prestiti. Un concorrente di questo prodotto finanziario \u00e8 il consolidamento dei prestiti. Entrambi hanno un obiettivo importante. Tuttavia, \u00e8 essenziale conoscere le differenze tra le due opzioni. Ognuna di esse non solo ha un significato diverso. Sono correlate ... <\/p>","protected":false},"author":2,"featured_media":1435,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1758,1191,650,618,1756,1757,1760,1759,627,628],"class_list":["post-1434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-konsolidace-pujcek","tag-nahrazeni","tag-pujcka","tag-pujcky","tag-refinancovani","tag-refinancovani-pujcky","tag-sjednoceni","tag-slouceni","tag-uver","tag-uvery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM<\/title>\n<meta name=\"description\" content=\"V\u00edte, co si p\u0159edstavit pod pojmem refinancov\u00e1n\u00ed? A tu\u0161\u00edte v\u016fbec, jak se li\u0161\u00ed od konsolidace p\u016fj\u010dek? 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V\u0161e V\u00e1m prozrad\u00edme.","og_url":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/","og_site_name":"REGBU.COM","article_published_time":"2023-08-07T11:05:41+00:00","article_modified_time":"2025-09-05T05:40:13+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","type":"image\/jpeg"}],"author":"George Martin","twitter_card":"summary_large_image","twitter_misc":{"Scritto da":"George Martin","Tempo di lettura stimato":"2 minuti"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#article","isPartOf":{"@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/"},"author":{"name":"George Martin","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"headline":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek","datePublished":"2023-08-07T11:05:41+00:00","dateModified":"2025-09-05T05:40:13+00:00","mainEntityOfPage":{"@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/"},"wordCount":473,"image":{"@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","keywords":["konsolidace p\u016fj\u010dek","nahrazen\u00ed","p\u016fj\u010dka","p\u016fj\u010dky","refinancov\u00e1n\u00ed","refinancov\u00e1n\u00ed p\u016fj\u010dky","sjednocen\u00ed","slou\u010den\u00ed","\u00fav\u011br","\u00fav\u011bry"],"articleSection":["Finance"],"inLanguage":"it-IT"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/","url":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/","name":"Rifinanziamento e consolidamento dei prestiti - REGBU.COM","isPartOf":{"@id":"https:\/\/regbu.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#primaryimage"},"image":{"@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","datePublished":"2023-08-07T11:05:41+00:00","dateModified":"2025-09-05T05:40:13+00:00","author":{"@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"description":"Sapete cosa si intende per rifinanziamento? E avete idea di come si differenzia dal consolidamento dei prestiti? Vi spieghiamo tutto.","breadcrumb":{"@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492587714"},{"@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492594135"},{"@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492600712"},{"@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492609378"},{"@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492618453"}],"inLanguage":"it-IT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/"]}]},{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#primaryimage","url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","contentUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","width":1200,"height":675,"caption":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek"},{"@type":"BreadcrumbList","@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regbu.com\/en\/"},{"@type":"ListItem","position":2,"name":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek"}]},{"@type":"WebSite","@id":"https:\/\/regbu.com\/en\/#website","url":"https:\/\/regbu.com\/en\/","name":"REGBU.COM","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regbu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"it-IT"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/it\/author\/george-martin\/"},{"@type":"Question","@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492587714","position":1,"url":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492587714","name":"Quali prodotti possono essere consolidati?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Mohou to b\u00fdt nebankovn\u00ed p\u016fj\u010dky, spot\u0159ebitelsk\u00e9 \u00fav\u011bry, kontokorenty a kreditn\u00ed karty.","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492594135","position":2,"url":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492594135","name":"Posso ridurre il mio pagamento mensile rifinanziando?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, v prvn\u00ed \u0159ad\u011b to bude d\u00edky v\u00fdhodn\u011bj\u0161\u00edmu \u00faroku. Pak k tomu m\u016f\u017ee p\u0159isp\u011bt i prodlou\u017een\u00ed splatnosti p\u016fj\u010dky.","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492600712","position":3,"url":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492600712","name":"Il consolidamento vale sempre la pena?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Nemus\u00ed tomu tak b\u00fdt. Pokud se nap\u0159\u00edklad star\u00e9 \u00fav\u011bry poj\u00ed s vysok\u00fdmi sank\u010dn\u00edmi poplatky za p\u0159ed\u010dasn\u00e9 uhrazen\u00ed, nevyplat\u00ed se.","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492609378","position":4,"url":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492609378","name":"Posso ottenere denaro extra con questi prodotti?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, jak s pomoc\u00ed konsolidace, tak refinancov\u00e1n\u00edm lze z\u00edskat finance nav\u00edc. Mus\u00edte b\u00fdt pouze dostate\u010dn\u011b bonitn\u00edm klientem. To znamen\u00e1, \u017ee nov\u00e9mu poskytovateli \u00fav\u011bru prok\u00e1\u017eete svoji \u00fav\u011bruschopnost.","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492618453","position":5,"url":"https:\/\/regbu.com\/it\/rifinanziamento-vs-consolidamento-prestiti\/#faq-question-1691492618453","name":"Quale fornitore offre consolidamento e rifinanziamento?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Tyto \u00fav\u011brov\u00e9 produkty v sou\u010dasn\u00e9 dob\u011b nab\u00edz\u00ed nejenom bankovn\u00ed instituce. Vyu\u017e\u00edt m\u016f\u017eete tak\u00e9 produktov\u00fdch nab\u00eddek nebankovn\u00edch spole\u010dnost\u00ed s licenc\u00ed od \u010cNB.","inLanguage":"it-IT"},"inLanguage":"it-IT"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/it\/wp-json\/wp\/v2\/posts\/1434","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/it\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/it\/wp-json\/wp\/v2\/comments?post=1434"}],"version-history":[{"count":2,"href":"https:\/\/regbu.com\/it\/wp-json\/wp\/v2\/posts\/1434\/revisions"}],"predecessor-version":[{"id":1446,"href":"https:\/\/regbu.com\/it\/wp-json\/wp\/v2\/posts\/1434\/revisions\/1446"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/it\/wp-json\/wp\/v2\/media\/1435"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/it\/wp-json\/wp\/v2\/media?parent=1434"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/it\/wp-json\/wp\/v2\/categories?post=1434"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/it\/wp-json\/wp\/v2\/tags?post=1434"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}