{"id":8585,"date":"2019-11-12T09:44:37","date_gmt":"2019-11-12T08:44:37","guid":{"rendered":"https:\/\/www.organisator.ch\/?p=6016"},"modified":"2019-11-12T09:44:37","modified_gmt":"2019-11-12T08:44:37","slug":"schweizer-banken-treiben-kunden-ins-pfandhaus","status":"publish","type":"post","link":"https:\/\/www.organisator.ch\/it\/management\/finanzen_recht\/2019-11-12\/schweizer-banken-treiben-kunden-ins-pfandhaus\/","title":{"rendered":"Le banche svizzere spingono i clienti verso i banchi dei pegni"},"content":{"rendered":"<figure id=\"attachment_6020\" aria-describedby=\"caption-attachment-6020\" style=\"width: 680px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-6020\" src=\"https:\/\/www.organisator.ch\/wp-content\/uploads\/2019\/11\/Schweizer-Banken-treiben-Kunden-ins-Pfandhaus_Organisator.jpg\" alt=\"\" width=\"680\" height=\"357\" \/><figcaption id=\"caption-attachment-6020\" class=\"wp-caption-text\">Al momento non \u00e8 liquido, ma una bella Bentley in garage? Se necessario, potete trasformarli in contanti presso un banco dei pegni per colmare una carenza di liquidit\u00e0 a breve termine. (Immagine simbolo \/ Pixabay.com)<\/figcaption><\/figure>\n<p>Cedric Domeniconi di Auto-Pfandhaus.ch ha notato un aumento dei pegni di oggetti di valore e ne vede la causa nella stretta creditizia delle banche: \"Se un tempo la mancanza di reddito o le emergenze familiari erano i motivi classici per un prestito su pegno, negli ultimi anni sono stati sempre pi\u00f9 i grossi problemi con le banche svizzere a far s\u00ec che i clienti si trovassero in difficolt\u00e0 finanziarie e si rivolgessero a noi nella loro disperazione. Le linee guida pi\u00f9 severe in materia di prestiti sono solo una delle ragioni.<\/p>\n<h2>Ordine perso a causa di fondi bloccati<\/h2>\n<p>Spesso le banche bloccano persino i fondi dei clienti che per mesi sono stati confermati come non contestabili, senza alcun motivo apparente. \"Ci capita spesso di imbatterci in casi in cui i clienti delle banche non possono nemmeno accedere al proprio denaro, ad esempio se \u00e8 stato versato dall'estero\". Ci\u00f2 riguarda sia i privati che gli imprenditori. Domeniconi cita come esempi la vendita di una casa in Francia e il pagamento di un acconto per un impianto industriale dalla Germania. \"Le banche avevano gi\u00e0 riconosciuto l'innocuit\u00e0 del denaro ai loro clienti molto tempo prima e avevano confermato per iscritto il rilascio delle somme. Ma quando i pagamenti sono arrivati, i fondi sono stati comunque bloccati per mesi senza alcuna giustificazione\". Ci\u00f2 ha comportato la necessit\u00e0 di impegnare una o pi\u00f9 autovetture. In un caso, un imprenditore ha persino perso un grosso ordine e ha dovuto restituire l'acconto versato dal suo cliente, con le relative ulteriori difficolt\u00e0 burocratiche.<\/p>\n<h2>Atteggiamento pi\u00f9 restrittivo delle banche<\/h2>\n<p>\"La Svizzera \u00e8 un Paese di PMI e vive di esportazioni. Se le aziende non possono pi\u00f9 svolgere la loro attivit\u00e0 perch\u00e9 le banche si oppongono esplicitamente, questo pu\u00f2 significare la fine per i privati, soprattutto per le aziende pi\u00f9 piccole\", afferma Domeniconi. \"Le piccole e medie imprese sono il motore della nostra economia. Eppure le banche stanno sempre pi\u00f9 ostacolando il loro cammino\". Il rapporto sempre pi\u00f9 impersonale con i clienti - i referenti personali lasciano il posto agli agenti dei call center - e la crescente burocrazia non sono affatto le uniche ragioni delle difficolt\u00e0. I lavoratori autonomi e le PMI, in particolare, ricevono sempre meno prestiti perch\u00e9 le relative garanzie vengono valutate in modo pi\u00f9 restrittivo. \"Una relazione di lunga durata con il cliente e una buona performance commerciale stanno diventando sempre meno importanti\", afferma Domeniconi. \"Anche i requisiti normativi pi\u00f9 severi hanno contribuito a questo fenomeno\", ma il denaro sarebbe disponibile e i tassi di interesse bassi.<\/p>\n<h2>Un viaggio al banco dei pegni come alternativa?<\/h2>\n<p>Le banche stanno sempre pi\u00f9 scaricando il problema dei tassi d'interesse negativi sui loro clienti quando questi hanno depositi elevati. Ma non si fermano nemmeno ai propri dipendenti: \"Sempre pi\u00f9 banche obbligano i propri dipendenti a sottoscrivere qualsiasi prestito solo con il proprio datore di lavoro. Ma molti hanno delle riserve nel rivelare un problema finanziario personale o nel chiedere un secondo prestito al proprio datore di lavoro. Temono per la loro reputazione all'interno della banca e tra i colleghi. Rivolgersi a un'altra banca, tuttavia, non \u00e8 una soluzione: grazie alla ZEK, l'organizzazione di segnalazione e informazione sui potenziali mutuatari, locatari e titolari di carte di credito, le banche hanno il pieno controllo sui prestiti e se ne accorgerebbero immediatamente. \"La gestione del prestito di denaro sta assumendo in alcuni casi caratteristiche assurde\", afferma Domeniconi. \"Le banche vogliono prestare denaro nel modo pi\u00f9 redditizio possibile a causa dei tassi d'interesse persistentemente bassi e non esitano a vincolare contrattualmente i propri dipendenti. D'altra parte, stanno diventando sempre pi\u00f9 avari nella loro attivit\u00e0 di prestito\". Naturalmente, anche leggi pi\u00f9 severe come la legge sul credito al consumo, rivista nel 2016, ne sono la causa. Il periodo di attesa di due settimane rende impossibile ottenere rapidamente il denaro. \"Ma la burocrazia non deve portare i clienti a non poter nemmeno disporre del proprio denaro e a dover impegnare la propria auto presso di noi\", sottolinea il cofondatore di Auto-Pfandhaus.ch.<\/p>\n<p><em>Ulteriori informazioni: <\/em><a href=\"http:\/\/www.auto-pfandhaus.ch\"><em>www.auto-pfandhaus.ch<\/em><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Cedric Domeniconi von Auto-Pfandhaus.ch stellt eine Zunahme bei Verpf\u00e4ndungen von Wertgegenst\u00e4nden fest und sieht die Kreditklemme von Banken als Ursache: \u00abWaren fr\u00fcher Einkommensengp\u00e4sse oder famili\u00e4re Notf\u00e4lle die klassischen Gr\u00fcnde f\u00fcr einen Pfandkredit, sind es in den letzten Jahren immer h\u00e4ufiger massive Probleme mit den Schweizer Banken, weshalb Kunden in finanzielle Notlagen geraten und sich in [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":8495,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"Pfandhaus","_yoast_wpseo_metadesc":"Bereits freigegebene Zahlungseing\u00e4nge werden ohne Begr\u00fcndung monatelang gesperrt. Vielen bleibt dann kein anderer Ausweg, als der Gang ins Pfandhaus.","articlekey":"","footnotes":""},"categories":[24],"tags":[202,203,393,508],"class_list":["post-8585","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzen_recht","tag-finanzenrecht","tag-finanzierung","tag-produkte","tag-vermischtes"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Schweizer Banken treiben Kunden ins Pfandhaus - Organisator<\/title>\n<meta name=\"description\" content=\"Bereits freigegebene Zahlungseing\u00e4nge werden ohne Begr\u00fcndung monatelang gesperrt. Vielen bleibt dann kein anderer Ausweg, als der Gang ins Pfandhaus.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.organisator.ch\/it\/gestione-2\/finanzen_recht\/2019-11-12\/schweizer-banken-treiben-kunden-ins-pfandhaus\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Schweizer Banken treiben Kunden ins Pfandhaus\" \/>\n<meta property=\"og:description\" content=\"Bereits freigegebene Zahlungseing\u00e4nge werden ohne Begr\u00fcndung monatelang gesperrt. 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