{"id":6669,"date":"2026-09-29T14:42:46","date_gmt":"2026-09-29T13:42:46","guid":{"rendered":"https:\/\/www.realizzafinanziamenti.it\/web\/?page_id=6669"},"modified":"2026-10-02T16:03:38","modified_gmt":"2026-10-02T15:03:38","slug":"cessione-del-quinto-come-funziona","status":"publish","type":"page","link":"https:\/\/www.realizzafinanziamenti.it\/web\/cessione-del-quinto-come-funziona\/","title":{"rendered":"Cessione del quinto come funziona"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6669\" class=\"elementor elementor-6669\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-95a58ff elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"95a58ff\" data-element_type=\"section\" data-e-type=\"section\" 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rel=\"stylesheet\">\r\n\r\n<style>\r\n\r\n.rf-cq-hero,\r\n.rf-cq-hero * {\r\n  box-sizing: border-box;\r\n  font-family: 'Montserrat', sans-serif !important;\r\n}\r\n\r\n.rf-cq-hero {\r\n  --primary: #544293;\r\n  --secondary: #82368C;\r\n  --text: #44444F;\r\n  --dark: #171923;\r\n\r\n  width: 100%;\r\n  padding: 65px 24px;\r\n\r\n  font-family: 'Montserrat', sans-serif;\r\n\r\n  background:\r\n    radial-gradient(\r\n      circle at 8% 15%,\r\n      rgba(84,66,147,.035),\r\n      transparent 28%\r\n    ),\r\n    linear-gradient(\r\n      135deg,\r\n      #ffffff 0%,\r\n      #fbfafc 100%\r\n    );\r\n}\r\n\r\n\r\n\/* CONTAINER *\/\r\n\r\n.rf-cq-hero-container {\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    minmax(0, .92fr)\r\n    minmax(0, 1.08fr);\r\n\r\n  align-items: center;\r\n\r\n  gap: 58px;\r\n\r\n  width: 100%;\r\n  max-width: 1180px;\r\n\r\n  margin: 0 auto;\r\n}\r\n\r\n\r\n\/* COLONNA TESTO *\/\r\n\r\n.rf-cq-hero-content {\r\n  max-width: 540px;\r\n}\r\n\r\n\r\n\/* TITOLO *\/\r\n\r\n.rf-cq-hero-title {\r\n  margin: 0 0 20px;\r\n\r\n  color: var(--primary);\r\n\r\n  font-size: clamp(38px, 4.5vw, 56px);\r\n  line-height: 1.08;\r\n\r\n  font-weight: 800;\r\n\r\n  letter-spacing: -1.7px;\r\n}\r\n\r\n\r\n\/* TESTO *\/\r\n\r\n.rf-cq-hero-text {\r\n  margin: 0 0 28px;\r\n\r\n  color: var(--text);\r\n\r\n  font-size: 16px;\r\n  line-height: 1.75;\r\n\r\n  font-weight: 500;\r\n}\r\n\r\n.rf-cq-hero-text strong {\r\n  color: var(--dark);\r\n  font-weight: 700;\r\n}\r\n\r\n\r\n\/* PULSANTE *\/\r\n\r\n.rf-cq-hero-button {\r\n  display: inline-flex;\r\n\r\n  align-items: center;\r\n  justify-content: center;\r\n\r\n  min-height: 50px;\r\n\r\n  padding: 14px 24px;\r\n\r\n  color: #ffffff !important;\r\n\r\n  background:\r\n    linear-gradient(\r\n      135deg,\r\n      var(--primary),\r\n      var(--secondary)\r\n    );\r\n\r\n  border-radius: 9px;\r\n\r\n  box-shadow:\r\n    0 10px 24px rgba(84,66,147,.18);\r\n\r\n  font-family: 'Montserrat', sans-serif !important;\r\n\r\n  font-size: 13px;\r\n  line-height: 1;\r\n\r\n  font-weight: 800;\r\n\r\n  text-decoration: none !important;\r\n\r\n  transition:\r\n    transform .25s ease,\r\n    box-shadow .25s ease,\r\n    filter .25s ease;\r\n}\r\n\r\n\r\n\/* HOVER *\/\r\n\r\n.rf-cq-hero-button:hover {\r\n  color: #ffffff !important;\r\n\r\n  background:\r\n    linear-gradient(\r\n      135deg,\r\n      #544293 0%,\r\n      #82368C 100%\r\n    );\r\n\r\n  transform: translateY(-2px);\r\n\r\n  box-shadow:\r\n    0 14px 30px rgba(84,66,147,.23);\r\n\r\n  text-decoration: none !important;\r\n}\r\n\r\n\r\n\/* STATI PULSANTE *\/\r\n\r\n.rf-cq-hero-button:visited,\r\n.rf-cq-hero-button:focus,\r\n.rf-cq-hero-button:active {\r\n  color: #ffffff !important;\r\n\r\n  font-family: 'Montserrat', sans-serif !important;\r\n\r\n  text-decoration: none !important;\r\n}\r\n\r\n\r\n\/* IMMAGINE DESTRA *\/\r\n\r\n.rf-cq-hero-media {\r\n  position: relative;\r\n\r\n  overflow: hidden;\r\n\r\n  width: 100%;\r\n\r\n  aspect-ratio: 1.35 \/ 1;\r\n\r\n  background-image:\r\n    url('https:\/\/www.realizzafinanziamenti.it\/web\/wp-content\/uploads\/2026\/10\/Consulenza-professionale-in-ufficio-luminoso.png');\r\n\r\n  background-position: center;\r\n  background-size: cover;\r\n  background-repeat: no-repeat;\r\n\r\n  border-radius: 20px;\r\n\r\n  border: 1px solid rgba(84,66,147,.08);\r\n\r\n  box-shadow:\r\n    0 18px 45px rgba(84,66,147,.10);\r\n}\r\n\r\n\r\n\/* TABLET *\/\r\n\r\n@media (max-width: 900px) {\r\n\r\n  .rf-cq-hero-container {\r\n    grid-template-columns: 1fr;\r\n\r\n    gap: 40px;\r\n  }\r\n\r\n  .rf-cq-hero-content {\r\n    max-width: 720px;\r\n\r\n    margin: 0 auto;\r\n\r\n    text-align: center;\r\n  }\r\n\r\n  .rf-cq-hero-media {\r\n    max-width: 720px;\r\n\r\n    margin: 0 auto;\r\n\r\n    aspect-ratio: 16 \/ 10;\r\n  }\r\n\r\n}\r\n\r\n\r\n\/* MOBILE *\/\r\n\r\n@media (max-width: 600px) {\r\n\r\n  .rf-cq-hero {\r\n    padding: 50px 17px 58px;\r\n  }\r\n\r\n  .rf-cq-hero-container {\r\n    gap: 32px;\r\n  }\r\n\r\n  .rf-cq-hero-title {\r\n    margin-bottom: 17px;\r\n\r\n    font-size: 34px;\r\n    line-height: 1.1;\r\n\r\n    letter-spacing: -1px;\r\n  }\r\n\r\n  .rf-cq-hero-text {\r\n    margin-bottom: 24px;\r\n\r\n    font-size: 14.5px;\r\n    line-height: 1.75;\r\n  }\r\n\r\n  .rf-cq-hero-button {\r\n    width: 100%;\r\n\r\n    min-height: 52px;\r\n\r\n    font-family: 'Montserrat', sans-serif !important;\r\n  }\r\n\r\n  .rf-cq-hero-media {\r\n    aspect-ratio: 4 \/ 3;\r\n\r\n    border-radius: 17px;\r\n  }\r\n\r\n}\r\n\r\n<\/style>\r\n\r\n\r\n<section class=\"rf-cq-hero\">\r\n\r\n  <div class=\"rf-cq-hero-container\">\r\n\r\n\r\n    <!-- COLONNA SINISTRA -->\r\n\r\n    <div class=\"rf-cq-hero-content\">\r\n\r\n\r\n      <h1 class=\"rf-cq-hero-title\">\r\n        Cessione del quinto:<br>\r\n        come funziona\r\n      <\/h1>\r\n\r\n\r\n      <p class=\"rf-cq-hero-text\">\r\n\r\n        La <strong>cessione del quinto<\/strong> \u00e8 un prestito\r\n        per dipendenti e pensionati, con una rata trattenuta\r\n        direttamente dallo stipendio o dalla pensione.\r\n\r\n        La rata pu\u00f2 arrivare fino al\r\n        <strong>20% del reddito netto mensile<\/strong>.\r\n\r\n        Scopri quanto puoi ottenere e valuta una soluzione\r\n        adatta alle tue esigenze con il supporto di un\r\n        consulente dedicato.\r\n\r\n      <\/p>\r\n\r\n\r\n      <a\r\n        class=\"rf-cq-hero-button\"\r\n        href=\"https:\/\/www.realizzafinanziamenti.it\/web\/modulo\/\"\r\n        aria-label=\"Richiedi una simulazione\"\r\n      >\r\n        Richiedi una simulazione\r\n      <\/a>\r\n\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- COLONNA DESTRA -->\r\n\r\n    <div\r\n      class=\"rf-cq-hero-media\"\r\n      role=\"img\"\r\n      aria-label=\"Cessione del quinto per dipendenti\"\r\n    ><\/div>\r\n\r\n\r\n  <\/div>\r\n\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-659d076 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"659d076\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-85d0123\" data-id=\"85d0123\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-71f8674 elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"71f8674\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n\r\n.rf-cq-features,\r\n.rf-cq-features * {\r\n  box-sizing: border-box;\r\n}\r\n\r\n.rf-cq-features {\r\n  --primary: #544293;\r\n  --secondary: #82368C;\r\n  --text: #44444F;\r\n  --muted: #60636C;\r\n  --light-bg: #F8F7FA;\r\n\r\n  width: 100%;\r\n  padding: 72px 24px 82px;\r\n\r\n  font-family: 'Montserrat', sans-serif;\r\n\r\n  background:\r\n    radial-gradient(\r\n      circle at 50% 10%,\r\n      rgba(84,66,147,.035),\r\n      transparent 30%\r\n    ),\r\n    linear-gradient(\r\n      180deg,\r\n      #ffffff 0%,\r\n      #FAF9FC 100%\r\n    );\r\n}\r\n\r\n\r\n\/* CONTAINER *\/\r\n\r\n.rf-cq-features-container {\r\n  width: 100%;\r\n  max-width: 1180px;\r\n\r\n  margin: 0 auto;\r\n}\r\n\r\n\r\n\/* HEADER *\/\r\n\r\n.rf-cq-features-header {\r\n  max-width: 900px;\r\n\r\n  margin: 0 auto 38px;\r\n\r\n  text-align: center;\r\n}\r\n\r\n.rf-cq-features-title {\r\n  margin: 0;\r\n\r\n  color: #544293;\r\n\r\n  font-size: clamp(28px, 3.3vw, 40px);\r\n  line-height: 1.18;\r\n\r\n  font-weight: 800;\r\n\r\n  letter-spacing: -1px;\r\n}\r\n\r\n\r\n\/* GRID *\/\r\n\r\n.rf-cq-features-grid {\r\n  display: grid;\r\n\r\n  grid-template-columns: repeat(3, minmax(0, 1fr));\r\n\r\n  gap: 18px;\r\n\r\n  width: 100%;\r\n}\r\n\r\n\r\n\/* CARD *\/\r\n\r\n.rf-cq-feature-card {\r\n  position: relative;\r\n  overflow: hidden;\r\n\r\n  min-height: 360px;\r\n\r\n  display: flex;\r\n  flex-direction: column;\r\n  align-items: center;\r\n\r\n  padding: 32px 28px 30px;\r\n\r\n  text-align: center;\r\n\r\n  background: #ffffff;\r\n\r\n  border: 1px solid rgba(84,66,147,.07);\r\n\r\n  border-radius: 12px;\r\n\r\n  box-shadow:\r\n    0 10px 28px rgba(34,26,67,.07);\r\n\r\n  transition:\r\n    transform .25s ease,\r\n    box-shadow .25s ease,\r\n    border-color .25s ease;\r\n}\r\n\r\n\r\n\/* HOVER *\/\r\n\r\n.rf-cq-feature-card:hover {\r\n  transform: translateY(-5px);\r\n\r\n  border-color: rgba(130,54,140,.14);\r\n\r\n  box-shadow:\r\n    0 18px 38px rgba(34,26,67,.10);\r\n}\r\n\r\n\r\n\/* AREA ICONA *\/\r\n\r\n.rf-cq-feature-icon {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n\r\n  width: 72px;\r\n  height: 72px;\r\n\r\n  margin-bottom: 19px;\r\n}\r\n\r\n\r\n\/* PNG ICONA *\/\r\n\r\n.rf-cq-feature-icon img {\r\n  display: block;\r\n\r\n  width: 64px;\r\n  height: 64px;\r\n\r\n  object-fit: contain;\r\n}\r\n\r\n\r\n\/* TITOLO *\/\r\n\r\n.rf-cq-feature-card h3 {\r\n  margin: 0 0 7px;\r\n\r\n  color: var(--primary);\r\n\r\n  font-size: 21px;\r\n  line-height: 1.25;\r\n\r\n  font-weight: 800;\r\n\r\n  letter-spacing: -.4px;\r\n}\r\n\r\n\r\n\/* SOTTOTITOLO *\/\r\n\r\n.rf-cq-feature-subtitle {\r\n  display: block;\r\n\r\n  margin-bottom: 17px;\r\n\r\n  color: #25252B;\r\n\r\n  font-size: 13.5px;\r\n  line-height: 1.4;\r\n\r\n  font-weight: 700;\r\n}\r\n\r\n\r\n\/* TESTO *\/\r\n\r\n.rf-cq-feature-card p {\r\n  margin: 0;\r\n\r\n  color: var(--muted);\r\n\r\n  font-size: 13px;\r\n  line-height: 1.75;\r\n\r\n  font-weight: 500;\r\n}\r\n\r\n\r\n\/* PICCOLA DECORAZIONE *\/\r\n\r\n.rf-cq-feature-card::after {\r\n  content: \"\";\r\n\r\n  position: absolute;\r\n\r\n  width: 110px;\r\n  height: 110px;\r\n\r\n  right: -60px;\r\n  bottom: -65px;\r\n\r\n  border-radius: 50%;\r\n\r\n  background: rgba(130,54,140,.025);\r\n\r\n  pointer-events: none;\r\n}\r\n\r\n\r\n\/* TABLET *\/\r\n\r\n@media (max-width: 900px) {\r\n\r\n  .rf-cq-features-grid {\r\n    grid-template-columns: 1fr;\r\n  }\r\n\r\n  .rf-cq-feature-card {\r\n    min-height: auto;\r\n\r\n    max-width: 620px;\r\n\r\n    margin: 0 auto;\r\n\r\n    padding: 30px 28px;\r\n  }\r\n\r\n}\r\n\r\n\r\n\/* MOBILE *\/\r\n\r\n@media (max-width: 600px) {\r\n\r\n  .rf-cq-features {\r\n    padding: 55px 17px 65px;\r\n  }\r\n\r\n  .rf-cq-features-header {\r\n    margin-bottom: 28px;\r\n  }\r\n\r\n  .rf-cq-features-title {\r\n    font-size: 29px;\r\n    line-height: 1.2;\r\n\r\n    letter-spacing: -.7px;\r\n  }\r\n\r\n  .rf-cq-features-grid {\r\n    gap: 15px;\r\n  }\r\n\r\n  .rf-cq-feature-card {\r\n    padding: 27px 21px 28px;\r\n\r\n    border-radius: 12px;\r\n  }\r\n\r\n  .rf-cq-feature-icon {\r\n    width: 65px;\r\n    height: 65px;\r\n\r\n    margin-bottom: 16px;\r\n  }\r\n\r\n  .rf-cq-feature-icon img {\r\n    width: 58px;\r\n    height: 58px;\r\n  }\r\n\r\n  .rf-cq-feature-card h3 {\r\n    font-size: 20px;\r\n  }\r\n\r\n  .rf-cq-feature-subtitle {\r\n    font-size: 13px;\r\n  }\r\n\r\n  .rf-cq-feature-card p {\r\n    font-size: 12.8px;\r\n    line-height: 1.7;\r\n  }\r\n\r\n}\r\n\r\n<\/style>\r\n\r\n\r\n<section class=\"rf-cq-features\">\r\n\r\n  <div class=\"rf-cq-features-container\">\r\n\r\n\r\n    <!-- TITOLO -->\r\n\r\n    <div class=\"rf-cq-features-header\">\r\n\r\n      <h2 class=\"rf-cq-features-title\">\r\n        Cessione del quinto: <br>le caratteristiche principali\r\n      <\/h2>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- 3 CARD -->\r\n\r\n    <div class=\"rf-cq-features-grid\">\r\n\r\n\r\n      <!-- CARD 1 -->\r\n\r\n      <div class=\"rf-cq-feature-card\">\r\n\r\n\r\n        <!--\r\n        SOSTITUISCI URL-ICONA-20-PERCENTO.png\r\n        CON IL LINK DEL TUO PNG\r\n        -->\r\n\r\n        <div class=\"rf-cq-feature-icon\">\r\n\r\n          <img decoding=\"async\"\r\n            data-src=\"https:\/\/www.realizzafinanziamenti.it\/web\/wp-content\/uploads\/2026\/10\/Progetto-senza-titolo.png\"\r\n            alt=\"Rata fino al 20%\"\r\n           src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 40px; --smush-placeholder-aspect-ratio: 40\/40;\">\r\n\r\n        <\/div>\r\n\r\n\r\n        <h3>\r\n          Fino al 20%\r\n        <\/h3>\r\n\r\n\r\n        <span class=\"rf-cq-feature-subtitle\">\r\n          Rata collegata al reddito\r\n        <\/span>\r\n\r\n\r\n        <p>\r\n          La rata della cessione del quinto non pu\u00f2 superare\r\n          il 20% dello stipendio o della pensione netta mensile.\r\n          Per i pensionati, il calcolo deve rispettare anche\r\n          la quota di pensione minima prevista dalla legge.\r\n        <\/p>\r\n\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- CARD 2 -->\r\n\r\n      <div class=\"rf-cq-feature-card\">\r\n\r\n\r\n        <!--\r\n        SOSTITUISCI URL-ICONA-TRATTENUTA.png\r\n        CON IL LINK DEL TUO PNG\r\n        -->\r\n\r\n        <div class=\"rf-cq-feature-icon\">\r\n\r\n          <img decoding=\"async\"\r\n            data-src=\"https:\/\/www.realizzafinanziamenti.it\/web\/wp-content\/uploads\/2026\/10\/Progetto-senza-titolo-1.png\"\r\n            alt=\"Trattenuta diretta\"\r\n           src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 40px; --smush-placeholder-aspect-ratio: 40\/40;\">\r\n\r\n        <\/div>\r\n\r\n\r\n        <h3>\r\n          Trattenuta diretta\r\n        <\/h3>\r\n\r\n\r\n        <span class=\"rf-cq-feature-subtitle\">\r\n          Rimborso automatico\r\n        <\/span>\r\n\r\n\r\n        <p>\r\n          La rata viene trattenuta ogni mese dalla busta paga\r\n          o dal cedolino della pensione.\r\n          Il rimborso \u00e8 automatico: non devi effettuare bonifici\r\n          n\u00e9 ricordare le scadenze.\r\n        <\/p>\r\n\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- CARD 3 -->\r\n\r\n      <div class=\"rf-cq-feature-card\">\r\n\r\n\r\n        <!--\r\n        SOSTITUISCI URL-ICONA-DURATA.png\r\n        CON IL LINK DEL TUO PNG\r\n        -->\r\n\r\n        <div class=\"rf-cq-feature-icon\">\r\n\r\n          <img decoding=\"async\"\r\n            data-src=\"https:\/\/www.realizzafinanziamenti.it\/web\/wp-content\/uploads\/2026\/10\/Progetto-senza-titolo-2.png\"\r\n            alt=\"Durata da 24 a 120 mesi\"\r\n           src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 40px; --smush-placeholder-aspect-ratio: 40\/40;\">\r\n\r\n        <\/div>\r\n\r\n\r\n        <h3>\r\n          Da 24 a 120 mesi\r\n        <\/h3>\r\n\r\n\r\n        <span class=\"rf-cq-feature-subtitle\">\r\n          Durata del finanziamento\r\n        <\/span>\r\n\r\n\r\n        <p>\r\n          La cessione del quinto prevede un rimborso\r\n          da 2 a 10 anni. Un consulente ti aiuta a valutare\r\n          durata, rata e importo ottenibile in base al tuo profilo\r\n          e alle condizioni del finanziamento.\r\n        <\/p>\r\n\r\n\r\n      <\/div>\r\n\r\n\r\n    <\/div>\r\n\r\n\r\n  <\/div>\r\n\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4bc23ab elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4bc23ab\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ec60799\" data-id=\"ec60799\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-da154aa elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"da154aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n\r\n\/* FONT MONTSERRAT SU TUTTA LA SEZIONE *\/\r\n\r\n.rf-cq-profiles,\r\n.rf-cq-profiles * {\r\n  box-sizing: border-box;\r\n  font-family: 'Montserrat', sans-serif !important;\r\n}\r\n\r\n\r\n\/* SEZIONE *\/\r\n\r\n.rf-cq-profiles {\r\n  --primary: #544293;\r\n  --secondary: #82368C;\r\n  --text: #44444F;\r\n  --muted: #656872;\r\n  --dark: #171923;\r\n  --light-bg: #FAF9FC;\r\n\r\n  width: 100%;\r\n  padding: 72px 24px 82px;\r\n\r\n  background:\r\n    radial-gradient(\r\n      circle at 50% 0%,\r\n      rgba(84,66,147,.035),\r\n      transparent 30%\r\n    ),\r\n    linear-gradient(\r\n      180deg,\r\n      #ffffff 0%,\r\n      #FAF9FC 100%\r\n    );\r\n}\r\n\r\n\r\n\/* CONTAINER *\/\r\n\r\n.rf-cq-profiles-container {\r\n  width: 100%;\r\n  max-width: 1180px;\r\n\r\n  margin: 0 auto;\r\n}\r\n\r\n\r\n\/* HEADER *\/\r\n\r\n.rf-cq-profiles-header {\r\n  max-width: 850px;\r\n\r\n  margin: 0 auto 38px;\r\n\r\n  text-align: center;\r\n}\r\n\r\n\r\n\/* TITOLO PRINCIPALE *\/\r\n\r\n.rf-cq-profiles-title {\r\n  margin: 0 0 10px;\r\n\r\n  color: var(--primary);\r\n\r\n  font-size: clamp(30px, 3.6vw, 43px);\r\n  line-height: 1.15;\r\n\r\n  font-weight: 800;\r\n\r\n  letter-spacing: -1.1px;\r\n}\r\n\r\n\r\n\/* SOTTOTITOLO *\/\r\n\r\n.rf-cq-profiles-subtitle {\r\n  max-width: 680px;\r\n\r\n  margin: 0 auto;\r\n\r\n  color: var(--text);\r\n\r\n  font-size: 15px;\r\n  line-height: 1.7;\r\n\r\n  font-weight: 500;\r\n}\r\n\r\n\r\n\/* GRID *\/\r\n\r\n.rf-cq-profiles-grid {\r\n  display: grid;\r\n\r\n  grid-template-columns: repeat(3, minmax(0, 1fr));\r\n\r\n  gap: 18px;\r\n\r\n  width: 100%;\r\n}\r\n\r\n\r\n\/* CARD *\/\r\n\r\n.rf-cq-profile-card {\r\n  position: relative;\r\n  overflow: hidden;\r\n\r\n  display: flex;\r\n  flex-direction: column;\r\n\r\n  min-width: 0;\r\n  height: 100%;\r\n\r\n  background: #ffffff;\r\n\r\n  border: 1px solid rgba(84,66,147,.09);\r\n\r\n  border-radius: 15px;\r\n\r\n  box-shadow:\r\n    0 10px 28px rgba(34,26,67,.06);\r\n\r\n  transition:\r\n    transform .25s ease,\r\n    box-shadow .25s ease,\r\n    border-color .25s ease;\r\n}\r\n\r\n\r\n.rf-cq-profile-card:hover {\r\n  transform: translateY(-5px);\r\n\r\n  border-color: rgba(130,54,140,.17);\r\n\r\n  box-shadow:\r\n    0 18px 38px rgba(34,26,67,.10);\r\n}\r\n\r\n\r\n\/* IMMAGINE *\/\r\n\r\n.rf-cq-profile-image {\r\n  position: relative;\r\n\r\n  overflow: hidden;\r\n\r\n  width: 100%;\r\n\r\n  aspect-ratio: 16 \/ 8.5;\r\n\r\n  background: #F1EFF4;\r\n}\r\n\r\n\r\n.rf-cq-profile-image img {\r\n  display: block;\r\n\r\n  width: 100%;\r\n  height: 100%;\r\n\r\n  object-fit: cover;\r\n  object-position: center;\r\n\r\n  transition: transform .45s ease;\r\n}\r\n\r\n\r\n.rf-cq-profile-card:hover .rf-cq-profile-image img {\r\n  transform: scale(1.025);\r\n}\r\n\r\n\r\n\/* CONTENUTO *\/\r\n\r\n.rf-cq-profile-content {\r\n  display: flex;\r\n  flex: 1;\r\n  flex-direction: column;\r\n\r\n  padding: 25px 25px 24px;\r\n}\r\n\r\n\r\n\/* TITOLI CARD *\/\r\n\r\n.rf-cq-profile-content h3 {\r\n  margin: 0 0 11px;\r\n\r\n  color: var(--primary);\r\n\r\n  font-size: 18px;\r\n  line-height: 1.35;\r\n\r\n  font-weight: 800;\r\n}\r\n\r\n\r\n\/* TESTO *\/\r\n\r\n.rf-cq-profile-content p {\r\n  margin: 0 0 22px;\r\n\r\n  color: var(--muted);\r\n\r\n  font-size: 13.5px;\r\n  line-height: 1.75;\r\n\r\n  font-weight: 500;\r\n}\r\n\r\n\r\n\/* LINK *\/\r\n\r\n.rf-cq-profile-link {\r\n  display: inline-flex;\r\n  align-items: center;\r\n\r\n  gap: 7px;\r\n\r\n  width: fit-content;\r\n\r\n  margin-top: auto;\r\n\r\n  color: var(--secondary);\r\n\r\n  font-size: 12.5px;\r\n  line-height: 1.45;\r\n\r\n  font-weight: 800;\r\n\r\n  text-decoration: none !important;\r\n\r\n  transition:\r\n    color .2s ease,\r\n    gap .2s ease;\r\n}\r\n\r\n\r\n.rf-cq-profile-link:hover {\r\n  color: var(--primary);\r\n\r\n  gap: 10px;\r\n\r\n  text-decoration: none !important;\r\n}\r\n\r\n\r\n.rf-cq-profile-link:visited {\r\n  color: var(--secondary);\r\n\r\n  text-decoration: none !important;\r\n}\r\n\r\n\r\n.rf-cq-profile-link:focus {\r\n  color: var(--primary);\r\n\r\n  text-decoration: none !important;\r\n}\r\n\r\n\r\n\/* FRECCIA *\/\r\n\r\n.rf-cq-profile-arrow {\r\n  display: inline-flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n\r\n  transition: transform .2s ease;\r\n}\r\n\r\n\r\n.rf-cq-profile-link:hover .rf-cq-profile-arrow {\r\n  transform: translateX(3px);\r\n}\r\n\r\n\r\n\/* TABLET *\/\r\n\r\n@media (max-width: 900px) {\r\n\r\n  .rf-cq-profiles-grid {\r\n    grid-template-columns: 1fr;\r\n\r\n    gap: 18px;\r\n\r\n    max-width: 680px;\r\n\r\n    margin: 0 auto;\r\n  }\r\n\r\n\r\n  .rf-cq-profile-image {\r\n    aspect-ratio: 16 \/ 8;\r\n  }\r\n\r\n}\r\n\r\n\r\n\/* MOBILE *\/\r\n\r\n@media (max-width: 600px) {\r\n\r\n  .rf-cq-profiles {\r\n    padding: 55px 17px 65px;\r\n  }\r\n\r\n\r\n  .rf-cq-profiles-header {\r\n    margin-bottom: 28px;\r\n  }\r\n\r\n\r\n  .rf-cq-profiles-title {\r\n    font-size: 29px;\r\n    line-height: 1.2;\r\n\r\n    letter-spacing: -.7px;\r\n  }\r\n\r\n\r\n  .rf-cq-profiles-subtitle {\r\n    font-size: 14px;\r\n    line-height: 1.7;\r\n  }\r\n\r\n\r\n  .rf-cq-profiles-grid {\r\n    gap: 16px;\r\n  }\r\n\r\n\r\n  .rf-cq-profile-card {\r\n    border-radius: 14px;\r\n  }\r\n\r\n\r\n  .rf-cq-profile-image {\r\n    aspect-ratio: 16 \/ 9;\r\n  }\r\n\r\n\r\n  .rf-cq-profile-content {\r\n    padding: 22px 20px 22px;\r\n  }\r\n\r\n\r\n  .rf-cq-profile-content h3 {\r\n    font-size: 17px;\r\n  }\r\n\r\n\r\n  .rf-cq-profile-content p {\r\n    font-size: 13px;\r\n    line-height: 1.7;\r\n  }\r\n\r\n\r\n  .rf-cq-profile-link {\r\n    font-size: 12px;\r\n  }\r\n\r\n}\r\n\r\n<\/style>\r\n\r\n\r\n<section class=\"rf-cq-profiles\">\r\n\r\n  <div class=\"rf-cq-profiles-container\">\r\n\r\n\r\n    <!-- HEADER -->\r\n\r\n    <div class=\"rf-cq-profiles-header\">\r\n\r\n      <h2 class=\"rf-cq-profiles-title\">\r\n        Chi pu\u00f2 richiedere la cessione del quinto?\r\n      <\/h2>\r\n\r\n      <p class=\"rf-cq-profiles-subtitle\">\r\n        Scopri la soluzione dedicata al tuo profilo\r\n        e i requisiti da valutare.\r\n      <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- 3 CARD -->\r\n\r\n    <div class=\"rf-cq-profiles-grid\">\r\n\r\n\r\n      <!-- CARD 1 - DIPENDENTI PUBBLICI -->\r\n\r\n      <article class=\"rf-cq-profile-card\">\r\n\r\n\r\n        <div class=\"rf-cq-profile-image\">\r\n\r\n          <img decoding=\"async\"\r\n            data-src=\"https:\/\/www.realizzafinanziamenti.it\/web\/wp-content\/uploads\/2026\/07\/cessione-del-quinto-dipendenti-INPS.png\"\r\n            alt=\"Cessione del quinto per dipendenti pubblici e statali\"\r\n           \r\n           src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1535px; --smush-placeholder-aspect-ratio: 1535\/1025;\">\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"rf-cq-profile-content\">\r\n\r\n          <h3>\r\n            Dipendenti pubblici e statali\r\n          <\/h3>\r\n\r\n\r\n          <p>\r\n            La cessione del quinto per dipendenti pubblici e statali\r\n            permette di richiedere liquidit\u00e0 con una rata trattenuta\r\n            direttamente dallo stipendio. Un consulente ti aiuta a\r\n            valutare importo, durata e condizioni in base alla tua situazione.\r\n          <\/p>\r\n\r\n\r\n          <a\r\n            class=\"rf-cq-profile-link\"\r\n            href=\"https:\/\/www.realizzafinanziamenti.it\/web\/cessione-del-quinto-per-dipendenti-pubblici\/\"\r\n          >\r\n            Cessione del quinto per dipendenti pubblici\r\n\r\n            <span class=\"rf-cq-profile-arrow\">\r\n              \u2192\r\n            <\/span>\r\n          <\/a>\r\n\r\n        <\/div>\r\n\r\n\r\n      <\/article>\r\n\r\n\r\n      <!-- CARD 2 - DIPENDENTI PRIVATI -->\r\n\r\n      <article class=\"rf-cq-profile-card\">\r\n\r\n\r\n        <div class=\"rf-cq-profile-image\">\r\n\r\n          <img decoding=\"async\"\r\n            data-src=\"https:\/\/www.realizzafinanziamenti.it\/web\/wp-content\/uploads\/2026\/06\/IMMAGINE_QUIZ_PROFILO.png\"\r\n            alt=\"Cessione del quinto per dipendenti privati\"\r\n           \r\n           src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 2172px; --smush-placeholder-aspect-ratio: 2172\/724;\">\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"rf-cq-profile-content\">\r\n\r\n          <h3>\r\n            Dipendenti privati\r\n          <\/h3>\r\n\r\n\r\n          <p>\r\n            La cessione del quinto per dipendenti privati pu\u00f2 essere\r\n            valutata in base al contratto di lavoro, allo stipendio e\r\n            alle caratteristiche dell\u2019azienda. Scopri i requisiti e verifica\r\n            con un consulente la possibilit\u00e0 di ottenere il finanziamento.\r\n          <\/p>\r\n\r\n\r\n          <a\r\n            class=\"rf-cq-profile-link\"\r\n            href=\"https:\/\/www.realizzafinanziamenti.it\/web\/cessione-del-quinto-per-dipendenti-privati\/\"\r\n          >\r\n            Cessione del quinto per dipendenti privati\r\n\r\n            <span class=\"rf-cq-profile-arrow\">\r\n              \u2192\r\n            <\/span>\r\n          <\/a>\r\n\r\n        <\/div>\r\n\r\n\r\n      <\/article>\r\n\r\n\r\n      <!-- CARD 3 - PENSIONATI -->\r\n\r\n      <article class=\"rf-cq-profile-card\">\r\n\r\n\r\n        <div class=\"rf-cq-profile-image\">\r\n\r\n          <img decoding=\"async\"\r\n            data-src=\"https:\/\/www.realizzafinanziamenti.it\/web\/wp-content\/uploads\/2026\/06\/IMMAGINE_PENSIONATI.png\"\r\n            alt=\"Cessione del quinto per pensionati\"\r\n           \r\n           src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1536px; --smush-placeholder-aspect-ratio: 1536\/1024;\">\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"rf-cq-profile-content\">\r\n\r\n          <h3>\r\n            Pensionati\r\n          <\/h3>\r\n\r\n\r\n          <p>\r\n            La cessione del quinto per pensionati prevede una rata\r\n            trattenuta direttamente dalla pensione. Per i pensionati INPS,\r\n            la richiesta viene valutata in base all\u2019et\u00e0 e alla pensione\r\n            cedibile, salvaguardando l\u2019importo minimo previsto dalla legge.\r\n          <\/p>\r\n\r\n\r\n          <a\r\n            class=\"rf-cq-profile-link\"\r\n            href=\"https:\/\/www.realizzafinanziamenti.it\/web\/cessione-del-quinto-per-pensionati\/\"\r\n          >\r\n            Cessione del quinto per pensionati\r\n\r\n            <span class=\"rf-cq-profile-arrow\">\r\n              \u2192\r\n            <\/span>\r\n          <\/a>\r\n\r\n        <\/div>\r\n\r\n\r\n      <\/article>\r\n\r\n\r\n    <\/div>\r\n\r\n\r\n  <\/div>\r\n\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b759351 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"b759351\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;opacity-tilt&quot;,&quot;shape_divider_bottom&quot;:&quot;opacity-tilt&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 2600 131.1\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0 0L2600 0 2600 69.1 0 0z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.5\" d=\"M0 0L2600 0 2600 69.1 0 69.1z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.25\" d=\"M2600 0L0 0 0 130.1 2600 69.1z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 2600 131.1\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0 0L2600 0 2600 69.1 0 0z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.5\" d=\"M0 0L2600 0 2600 69.1 0 69.1z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.25\" d=\"M2600 0L0 0 0 130.1 2600 69.1z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-418f492\" data-id=\"418f492\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fb91bc0 elementor-widget elementor-widget-spacer\" data-id=\"fb91bc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe0adf9 elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"fe0adf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n\r\n\/* =========================================================\r\n   BASE\r\n========================================================= *\/\r\n\r\n.rf-cq-request,\r\n.rf-cq-request * {\r\n  box-sizing: border-box;\r\n  font-family: 'Montserrat', sans-serif !important;\r\n}\r\n\r\n.rf-cq-request {\r\n  --primary: #544293;\r\n  --secondary: #82368C;\r\n  --text: #44444F;\r\n  --muted: #6B7280;\r\n  --dark: #171923;\r\n  --light-bg: #F7F6FA;\r\n\r\n  width: 100%;\r\n  padding: 75px 24px 85px;\r\n\r\n  background:\r\n    radial-gradient(\r\n      circle at 8% 15%,\r\n      rgba(84,66,147,.035),\r\n      transparent 28%\r\n    ),\r\n    linear-gradient(\r\n      135deg,\r\n      #ffffff 0%,\r\n      #FAF9FC 100%\r\n    );\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   CONTAINER\r\n========================================================= *\/\r\n\r\n.rf-cq-request-container {\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    minmax(280px, .72fr)\r\n    minmax(0, 1.28fr);\r\n\r\n  align-items: center;\r\n\r\n  gap: 65px;\r\n\r\n  width: 100%;\r\n  max-width: 1180px;\r\n\r\n  margin: 0 auto;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   COLONNA SINISTRA\r\n========================================================= *\/\r\n\r\n.rf-cq-request-content {\r\n  max-width: 430px;\r\n}\r\n\r\n\r\n\/* DECORAZIONE *\/\r\n\r\n.rf-cq-request-line {\r\n  width: 48px;\r\n  height: 3px;\r\n\r\n  margin-bottom: 21px;\r\n\r\n  background:\r\n    linear-gradient(\r\n      90deg,\r\n      var(--primary),\r\n      var(--secondary)\r\n    );\r\n\r\n  border-radius: 999px;\r\n}\r\n\r\n\r\n\/* TITOLO *\/\r\n\r\n.rf-cq-request-title {\r\n  margin: 0 0 22px;\r\n\r\n  color: var(--primary);\r\n\r\n  font-size: clamp(34px, 4vw, 48px);\r\n  line-height: 1.08;\r\n\r\n  font-weight: 800;\r\n  letter-spacing: -1.4px;\r\n}\r\n\r\n\r\n\/* INTRO *\/\r\n\r\n.rf-cq-request-intro {\r\n  margin: 0 0 28px;\r\n\r\n  color: var(--text);\r\n\r\n  font-size: 15px;\r\n  line-height: 1.8;\r\n\r\n  font-weight: 500;\r\n}\r\n\r\n\r\n\/* NOTA TEMPI *\/\r\n\r\n.rf-cq-request-time {\r\n  display: flex;\r\n  align-items: flex-start;\r\n\r\n  gap: 13px;\r\n\r\n  margin-bottom: 28px;\r\n\r\n  padding-top: 4px;\r\n}\r\n\r\n.rf-cq-request-time-icon {\r\n  display: flex;\r\n  flex: 0 0 38px;\r\n\r\n  align-items: center;\r\n  justify-content: center;\r\n\r\n  width: 38px;\r\n  height: 38px;\r\n\r\n  color: var(--secondary);\r\n\r\n  background: rgba(130,54,140,.07);\r\n\r\n  border: 1px solid rgba(130,54,140,.10);\r\n  border-radius: 50%;\r\n}\r\n\r\n.rf-cq-request-time-icon svg {\r\n  width: 20px;\r\n  height: 20px;\r\n}\r\n\r\n.rf-cq-request-time p {\r\n  margin: 1px 0 0;\r\n\r\n  color: var(--muted);\r\n\r\n  font-size: 12px;\r\n  line-height: 1.65;\r\n\r\n  font-weight: 500;\r\n}\r\n\r\n.rf-cq-request-time strong {\r\n  color: var(--primary);\r\n  font-weight: 800;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   PULSANTE\r\n========================================================= *\/\r\n\r\n.rf-cq-request-button {\r\n  display: inline-flex;\r\n\r\n  align-items: center;\r\n  justify-content: center;\r\n\r\n  min-height: 50px;\r\n\r\n  padding: 14px 24px;\r\n\r\n  color: #ffffff !important;\r\n\r\n  background:\r\n    linear-gradient(\r\n      135deg,\r\n      var(--primary),\r\n      var(--secondary)\r\n    );\r\n\r\n  border-radius: 9px;\r\n\r\n  box-shadow:\r\n    0 10px 24px rgba(84,66,147,.18);\r\n\r\n  font-size: 13px;\r\n  line-height: 1;\r\n\r\n  font-weight: 800;\r\n\r\n  text-decoration: none !important;\r\n\r\n  transition:\r\n    transform .25s ease,\r\n    box-shadow .25s ease,\r\n    filter .25s ease;\r\n}\r\n\r\n.rf-cq-request-button:hover {\r\n  color: #ffffff !important;\r\n\r\n  transform: translateY(-2px);\r\n\r\n  box-shadow:\r\n    0 15px 30px rgba(84,66,147,.25);\r\n\r\n  filter: brightness(.97);\r\n\r\n  text-decoration: none !important;\r\n}\r\n\r\n.rf-cq-request-button:visited,\r\n.rf-cq-request-button:focus,\r\n.rf-cq-request-button:active {\r\n  color: #ffffff !important;\r\n  text-decoration: none !important;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   COLONNA DESTRA \/ PROCESSO\r\n========================================================= *\/\r\n\r\n.rf-cq-request-process {\r\n  position: relative;\r\n\r\n  display: flex;\r\n  flex-direction: column;\r\n\r\n  gap: 15px;\r\n\r\n  width: 100%;\r\n}\r\n\r\n\r\n\/* LINEA VERTICALE *\/\r\n\r\n.rf-cq-request-process::before {\r\n  content: \"\";\r\n\r\n  position: absolute;\r\n\r\n  top: 64px;\r\n  bottom: 64px;\r\n\r\n  left: 42px;\r\n\r\n  width: 2px;\r\n\r\n  background:\r\n    linear-gradient(\r\n      180deg,\r\n      rgba(84,66,147,.30),\r\n      rgba(130,54,140,.50)\r\n    );\r\n\r\n  z-index: 1;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   STEP\r\n========================================================= *\/\r\n\r\n.rf-cq-request-step {\r\n  position: relative;\r\n  z-index: 2;\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns: 84px 1fr;\r\n\r\n  align-items: center;\r\n\r\n  min-height: 142px;\r\n\r\n  padding: 24px 27px 24px 0;\r\n\r\n  background:\r\n    linear-gradient(\r\n      135deg,\r\n      #F8F7FB 0%,\r\n      #F2F0F7 100%\r\n    );\r\n\r\n  border: 1px solid rgba(84,66,147,.06);\r\n\r\n  border-radius: 18px;\r\n\r\n  box-shadow:\r\n    0 8px 24px rgba(84,66,147,.045);\r\n\r\n  transition:\r\n    transform .25s ease,\r\n    box-shadow .25s ease,\r\n    border-color .25s ease;\r\n}\r\n\r\n.rf-cq-request-step:hover {\r\n  transform: translateX(5px);\r\n\r\n  border-color: rgba(130,54,140,.14);\r\n\r\n  box-shadow:\r\n    0 14px 30px rgba(84,66,147,.075);\r\n}\r\n\r\n\r\n\/* NUMERO *\/\r\n\r\n.rf-cq-request-number-wrap {\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n\r\n  height: 100%;\r\n}\r\n\r\n.rf-cq-request-number {\r\n  display: flex;\r\n\r\n  align-items: center;\r\n  justify-content: center;\r\n\r\n  width: 52px;\r\n  height: 52px;\r\n\r\n  color: var(--secondary);\r\n\r\n  background: #ffffff;\r\n\r\n  border: 1px solid rgba(84,66,147,.06);\r\n  border-radius: 50%;\r\n\r\n  box-shadow:\r\n    0 8px 20px rgba(84,66,147,.08);\r\n\r\n  font-size: 17px;\r\n  line-height: 1;\r\n\r\n  font-weight: 800;\r\n}\r\n\r\n\r\n\/* TESTO STEP *\/\r\n\r\n.rf-cq-request-step-content {\r\n  padding-left: 5px;\r\n}\r\n\r\n.rf-cq-request-step-content h3 {\r\n  margin: 0 0 7px;\r\n\r\n  color: var(--primary);\r\n\r\n  font-size: 17px;\r\n  line-height: 1.35;\r\n\r\n  font-weight: 800;\r\n}\r\n\r\n.rf-cq-request-step-content p {\r\n  margin: 0;\r\n\r\n  color: var(--muted);\r\n\r\n  font-size: 13px;\r\n  line-height: 1.7;\r\n\r\n  font-weight: 500;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   TABLET\r\n========================================================= *\/\r\n\r\n@media (max-width: 900px) {\r\n\r\n  .rf-cq-request-container {\r\n    grid-template-columns: 1fr;\r\n\r\n    gap: 42px;\r\n\r\n    max-width: 760px;\r\n  }\r\n\r\n  .rf-cq-request-content {\r\n    max-width: 680px;\r\n\r\n    margin: 0 auto;\r\n\r\n    text-align: center;\r\n  }\r\n\r\n  .rf-cq-request-line {\r\n    margin-left: auto;\r\n    margin-right: auto;\r\n  }\r\n\r\n  .rf-cq-request-time {\r\n    max-width: 500px;\r\n\r\n    margin-left: auto;\r\n    margin-right: auto;\r\n\r\n    text-align: left;\r\n  }\r\n\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   MOBILE\r\n========================================================= *\/\r\n\r\n@media (max-width: 600px) {\r\n\r\n  .rf-cq-request {\r\n    padding: 55px 17px 65px;\r\n  }\r\n\r\n  .rf-cq-request-container {\r\n    gap: 34px;\r\n  }\r\n\r\n  .rf-cq-request-title {\r\n    font-size: 31px;\r\n    line-height: 1.13;\r\n\r\n    letter-spacing: -.8px;\r\n  }\r\n\r\n  .rf-cq-request-intro {\r\n    font-size: 14px;\r\n    line-height: 1.75;\r\n  }\r\n\r\n  .rf-cq-request-time p {\r\n    font-size: 11.5px;\r\n  }\r\n\r\n  .rf-cq-request-button {\r\n    width: 100%;\r\n\r\n    min-height: 52px;\r\n  }\r\n\r\n  .rf-cq-request-process {\r\n    gap: 13px;\r\n  }\r\n\r\n  .rf-cq-request-process::before {\r\n    left: 32px;\r\n\r\n    top: 55px;\r\n    bottom: 55px;\r\n  }\r\n\r\n  .rf-cq-request-step {\r\n    grid-template-columns: 64px 1fr;\r\n\r\n    min-height: 150px;\r\n\r\n    padding: 22px 18px 22px 0;\r\n\r\n    border-radius: 16px;\r\n  }\r\n\r\n  .rf-cq-request-number {\r\n    width: 44px;\r\n    height: 44px;\r\n\r\n    font-size: 15px;\r\n  }\r\n\r\n  .rf-cq-request-step-content h3 {\r\n    font-size: 15.5px;\r\n  }\r\n\r\n  .rf-cq-request-step-content p {\r\n    font-size: 12px;\r\n    line-height: 1.65;\r\n  }\r\n\r\n}\r\n\r\n<\/style>\r\n\r\n\r\n<section class=\"rf-cq-request\">\r\n\r\n  <div class=\"rf-cq-request-container\">\r\n\r\n\r\n    <!-- ===================================================\r\n         COLONNA SINISTRA\r\n    ==================================================== -->\r\n\r\n    <div class=\"rf-cq-request-content\">\r\n\r\n\r\n      <div class=\"rf-cq-request-line\"><\/div>\r\n\r\n\r\n      <h2 class=\"rf-cq-request-title\">\r\n        Come richiedere<br>\r\n        la cessione<br>\r\n        del quinto\r\n      <\/h2>\r\n\r\n\r\n      <p class=\"rf-cq-request-intro\">\r\n        Un consulente Realizza ti accompagna in ogni fase\r\n        della richiesta, aiutandoti a valutare una soluzione\r\n        adatta alle tue esigenze.\r\n      <\/p>\r\n\r\n\r\n      <!-- TEMPISTICHE -->\r\n\r\n      <div class=\"rf-cq-request-time\">\r\n\r\n\r\n        <div class=\"rf-cq-request-time-icon\">\r\n\r\n          <svg\r\n            viewBox=\"0 0 24 24\"\r\n            fill=\"none\"\r\n            stroke=\"currentColor\"\r\n            stroke-width=\"1.8\"\r\n            stroke-linecap=\"round\"\r\n            stroke-linejoin=\"round\"\r\n          >\r\n            <circle cx=\"12\" cy=\"12\" r=\"9\"\/>\r\n            <path d=\"M12 7v5l3 2\"\/>\r\n          <\/svg>\r\n\r\n        <\/div>\r\n\r\n\r\n        <p>\r\n          <strong>Nota sulle tempistiche:<\/strong><br>\r\n          i tempi dipendono dalla completezza dei documenti\r\n          e dalle verifiche dell\u2019istituto finanziatore.\r\n        <\/p>\r\n\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- CTA -->\r\n\r\n      <a\r\n        class=\"rf-cq-request-button\"\r\n        href=\"https:\/\/www.realizzafinanziamenti.it\/web\/modulo\/\"\r\n        aria-label=\"Richiedi un preventivo gratuito\"\r\n      >\r\n        Richiedi un preventivo gratuito\r\n      <\/a>\r\n\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- ===================================================\r\n         COLONNA DESTRA\r\n    ==================================================== -->\r\n\r\n    <div class=\"rf-cq-request-process\">\r\n\r\n\r\n      <!-- STEP 01 -->\r\n\r\n      <div class=\"rf-cq-request-step\">\r\n\r\n\r\n        <div class=\"rf-cq-request-number-wrap\">\r\n\r\n          <div class=\"rf-cq-request-number\">\r\n            01\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"rf-cq-request-step-content\">\r\n\r\n          <h3>\r\n            Prepara i documenti\r\n          <\/h3>\r\n\r\n          <p>\r\n            Per richiedere la cessione del quinto servono\r\n            un documento d\u2019identit\u00e0, il codice fiscale e la busta paga\r\n            o il cedolino della pensione. Il consulente ti indica\r\n            gli eventuali altri documenti necessari.\r\n          <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- STEP 02 -->\r\n\r\n      <div class=\"rf-cq-request-step\">\r\n\r\n\r\n        <div class=\"rf-cq-request-number-wrap\">\r\n\r\n          <div class=\"rf-cq-request-number\">\r\n            02\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"rf-cq-request-step-content\">\r\n\r\n          <h3>\r\n            Valuta la proposta\r\n          <\/h3>\r\n\r\n          <p>\r\n            Dopo la verifica dei requisiti, ricevi una proposta personalizzata.\r\n            Puoi conoscere la somma netta ottenibile, la rata mensile,\r\n            la durata e le condizioni del finanziamento prima di decidere.\r\n          <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- STEP 03 -->\r\n\r\n      <div class=\"rf-cq-request-step\">\r\n\r\n\r\n        <div class=\"rf-cq-request-number-wrap\">\r\n\r\n          <div class=\"rf-cq-request-number\">\r\n            03\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"rf-cq-request-step-content\">\r\n\r\n          <h3>\r\n            Firma ed erogazione\r\n          <\/h3>\r\n\r\n          <p>\r\n            Se scegli di procedere, il consulente ti segue nella firma\r\n            e nei passaggi successivi. L\u2019erogazione della cessione del quinto\r\n            avviene dopo l\u2019approvazione e il completamento\r\n            degli adempimenti previsti.\r\n          <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n      <\/div>\r\n\r\n\r\n    <\/div>\r\n\r\n\r\n  <\/div>\r\n\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3790a3c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"3790a3c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-112afa5\" data-id=\"112afa5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ef024d0 elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"ef024d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n\r\n\/* =========================================================\r\n   BASE\r\n========================================================= *\/\r\n\r\n.rf-cq-faq,\r\n.rf-cq-faq * {\r\n  box-sizing: border-box;\r\n  font-family: 'Montserrat', sans-serif !important;\r\n}\r\n\r\n.rf-cq-faq {\r\n  --primary: #544293;\r\n  --secondary: #82368C;\r\n  --text: #44444F;\r\n  --muted: #6B7280;\r\n  --dark: #171923;\r\n  --light-bg: #FAF9FC;\r\n\r\n  width: 100%;\r\n  padding: 75px 24px 85px;\r\n\r\n  background:\r\n    radial-gradient(\r\n      circle at 50% 0%,\r\n      rgba(84,66,147,.035),\r\n      transparent 30%\r\n    ),\r\n    linear-gradient(\r\n      180deg,\r\n      #ffffff 0%,\r\n      #FAF9FC 100%\r\n    );\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   CONTAINER\r\n========================================================= *\/\r\n\r\n.rf-cq-faq-container {\r\n  width: 100%;\r\n  max-width: 1180px;\r\n\r\n  margin: 0 auto;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   HEADER\r\n========================================================= *\/\r\n\r\n.rf-cq-faq-header {\r\n  max-width: 850px;\r\n\r\n  margin: 0 auto 38px;\r\n\r\n  text-align: center;\r\n}\r\n\r\n.rf-cq-faq-title {\r\n  margin: 0 0 10px;\r\n\r\n  color: var(--primary);\r\n\r\n  font-size: clamp(30px, 3.6vw, 43px);\r\n  line-height: 1.15;\r\n\r\n  font-weight: 800;\r\n  letter-spacing: -1.1px;\r\n}\r\n\r\n.rf-cq-faq-subtitle {\r\n  max-width: 720px;\r\n\r\n  margin: 0 auto;\r\n\r\n  color: var(--text);\r\n\r\n  font-size: 15px;\r\n  line-height: 1.7;\r\n\r\n  font-weight: 500;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   ACCORDION\r\n========================================================= *\/\r\n\r\n.rf-cq-faq-list {\r\n  overflow: hidden;\r\n\r\n  width: 100%;\r\n  max-width: 1080px;\r\n\r\n  margin: 0 auto;\r\n\r\n  background: #ffffff;\r\n\r\n  border: 1px solid rgba(84,66,147,.10);\r\n\r\n  border-radius: 17px;\r\n\r\n  box-shadow:\r\n    0 12px 34px rgba(84,66,147,.055);\r\n}\r\n\r\n\r\n\/* SINGOLA FAQ *\/\r\n\r\n.rf-cq-faq-item {\r\n  position: relative;\r\n\r\n  border-bottom:\r\n    1px solid rgba(84,66,147,.10);\r\n}\r\n\r\n.rf-cq-faq-item:last-child {\r\n  border-bottom: 0;\r\n}\r\n\r\n\r\n\/* DOMANDA *\/\r\n\r\n.rf-cq-faq-question {\r\n  appearance: none;\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    minmax(0, 1fr)\r\n    42px;\r\n\r\n  align-items: center;\r\n\r\n  gap: 20px;\r\n\r\n  width: 100%;\r\n\r\n  margin: 0;\r\n  padding: 22px 24px;\r\n\r\n  color: var(--primary);\r\n\r\n  background: #ffffff;\r\n\r\n  border: 0;\r\n\r\n  outline: none;\r\n\r\n  text-align: left;\r\n\r\n  cursor: pointer;\r\n\r\n  transition:\r\n    background .22s ease,\r\n    color .22s ease;\r\n}\r\n\r\n.rf-cq-faq-question:hover {\r\n  background: rgba(84,66,147,.025);\r\n}\r\n\r\n.rf-cq-faq-question-text {\r\n  color: var(--primary);\r\n\r\n  font-size: 14.5px;\r\n  line-height: 1.5;\r\n\r\n  font-weight: 800;\r\n}\r\n\r\n\r\n\/* PLUS \/ MINUS *\/\r\n\r\n.rf-cq-faq-symbol {\r\n  position: relative;\r\n\r\n  display: flex;\r\n\r\n  align-items: center;\r\n  justify-content: center;\r\n\r\n  width: 38px;\r\n  height: 38px;\r\n\r\n  margin-left: auto;\r\n\r\n  color: var(--secondary);\r\n\r\n  background: rgba(130,54,140,.07);\r\n\r\n  border-radius: 50%;\r\n\r\n  flex-shrink: 0;\r\n\r\n  transition:\r\n    background .22s ease,\r\n    transform .22s ease;\r\n}\r\n\r\n.rf-cq-faq-symbol::before,\r\n.rf-cq-faq-symbol::after {\r\n  content: \"\";\r\n\r\n  position: absolute;\r\n\r\n  width: 14px;\r\n  height: 2px;\r\n\r\n  background: currentColor;\r\n\r\n  border-radius: 999px;\r\n\r\n  transition:\r\n    transform .22s ease,\r\n    opacity .22s ease;\r\n}\r\n\r\n.rf-cq-faq-symbol::after {\r\n  transform: rotate(90deg);\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   RISPOSTA\r\n========================================================= *\/\r\n\r\n.rf-cq-faq-answer-wrap {\r\n  display: grid;\r\n\r\n  grid-template-rows: 0fr;\r\n\r\n  transition:\r\n    grid-template-rows .32s ease;\r\n}\r\n\r\n.rf-cq-faq-answer-inner {\r\n  overflow: hidden;\r\n}\r\n\r\n.rf-cq-faq-answer {\r\n  margin: 0;\r\n\r\n  padding:\r\n    0 78px 0 24px;\r\n\r\n  color: var(--muted);\r\n\r\n  font-size: 13.5px;\r\n  line-height: 1.8;\r\n\r\n  font-weight: 500;\r\n\r\n  opacity: 0;\r\n\r\n  transform: translateY(-5px);\r\n\r\n  transition:\r\n    padding .32s ease,\r\n    opacity .25s ease,\r\n    transform .25s ease;\r\n}\r\n\r\n.rf-cq-faq-answer strong {\r\n  color: var(--dark);\r\n\r\n  font-weight: 700;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   FAQ APERTA\r\n========================================================= *\/\r\n\r\n.rf-cq-faq-item.is-open {\r\n  background:\r\n    linear-gradient(\r\n      135deg,\r\n      rgba(84,66,147,.035),\r\n      rgba(130,54,140,.025)\r\n    );\r\n}\r\n\r\n.rf-cq-faq-item.is-open .rf-cq-faq-question {\r\n  background: transparent;\r\n}\r\n\r\n.rf-cq-faq-item.is-open .rf-cq-faq-symbol {\r\n  color: #ffffff;\r\n\r\n  background:\r\n    linear-gradient(\r\n      135deg,\r\n      var(--primary),\r\n      var(--secondary)\r\n    );\r\n}\r\n\r\n.rf-cq-faq-item.is-open .rf-cq-faq-symbol::after {\r\n  opacity: 0;\r\n\r\n  transform: rotate(0deg);\r\n}\r\n\r\n.rf-cq-faq-item.is-open .rf-cq-faq-answer-wrap {\r\n  grid-template-rows: 1fr;\r\n}\r\n\r\n.rf-cq-faq-item.is-open .rf-cq-faq-answer {\r\n  padding:\r\n    0 78px 23px 24px;\r\n\r\n  opacity: 1;\r\n\r\n  transform: translateY(0);\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   MOBILE\r\n========================================================= *\/\r\n\r\n@media (max-width: 600px) {\r\n\r\n  .rf-cq-faq {\r\n    padding: 55px 17px 65px;\r\n  }\r\n\r\n  .rf-cq-faq-header {\r\n    margin-bottom: 28px;\r\n  }\r\n\r\n  .rf-cq-faq-title {\r\n    font-size: 29px;\r\n    line-height: 1.2;\r\n\r\n    letter-spacing: -.7px;\r\n  }\r\n\r\n  .rf-cq-faq-subtitle {\r\n    font-size: 14px;\r\n    line-height: 1.7;\r\n  }\r\n\r\n  .rf-cq-faq-list {\r\n    border-radius: 15px;\r\n  }\r\n\r\n  .rf-cq-faq-question {\r\n    grid-template-columns:\r\n      minmax(0, 1fr)\r\n      34px;\r\n\r\n    gap: 12px;\r\n\r\n    padding: 19px 17px;\r\n  }\r\n\r\n  .rf-cq-faq-question-text {\r\n    font-size: 13px;\r\n    line-height: 1.45;\r\n  }\r\n\r\n  .rf-cq-faq-symbol {\r\n    width: 32px;\r\n    height: 32px;\r\n  }\r\n\r\n  .rf-cq-faq-symbol::before,\r\n  .rf-cq-faq-symbol::after {\r\n    width: 12px;\r\n  }\r\n\r\n  .rf-cq-faq-answer {\r\n    padding:\r\n      0 17px 0;\r\n\r\n    font-size: 12.5px;\r\n    line-height: 1.75;\r\n  }\r\n\r\n  .rf-cq-faq-item.is-open .rf-cq-faq-answer {\r\n    padding:\r\n      0 17px 20px;\r\n  }\r\n\r\n}\r\n\r\n<\/style>\r\n\r\n\r\n<section class=\"rf-cq-faq\">\r\n\r\n  <div class=\"rf-cq-faq-container\">\r\n\r\n\r\n    <!-- ===================================================\r\n         HEADER\r\n    ==================================================== -->\r\n\r\n    <div class=\"rf-cq-faq-header\">\r\n\r\n      <h2 class=\"rf-cq-faq-title\">\r\n        Domande frequenti sulla cessione del quinto\r\n      <\/h2>\r\n\r\n      <p class=\"rf-cq-faq-subtitle\">\r\n        Le risposte ai dubbi pi\u00f9 comuni,\r\n        per scegliere con maggiore consapevolezza.\r\n      <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- ===================================================\r\n         FAQ\r\n    ==================================================== -->\r\n\r\n    <div class=\"rf-cq-faq-list\">\r\n\r\n\r\n      <!-- FAQ 1 -->\r\n\r\n      <div class=\"rf-cq-faq-item is-open\">\r\n\r\n        <button\r\n          class=\"rf-cq-faq-question\"\r\n          type=\"button\"\r\n          aria-expanded=\"true\"\r\n        >\r\n\r\n          <span class=\"rf-cq-faq-question-text\">\r\n            Posso richiedere la cessione del quinto se ho altri prestiti?\r\n          <\/span>\r\n\r\n          <span class=\"rf-cq-faq-symbol\"><\/span>\r\n\r\n        <\/button>\r\n\r\n\r\n        <div class=\"rf-cq-faq-answer-wrap\">\r\n\r\n          <div class=\"rf-cq-faq-answer-inner\">\r\n\r\n            <p class=\"rf-cq-faq-answer\">\r\n              S\u00ec, la richiesta pu\u00f2 essere valutata anche con altri\r\n              finanziamenti in corso. La possibilit\u00e0 di ottenere la\r\n              cessione del quinto dipende dalla rata disponibile,\r\n              dalle trattenute gi\u00e0 presenti e dalla tua situazione\r\n              lavorativa o pensionistica. Un consulente pu\u00f2 aiutarti\r\n              a verificare la fattibilit\u00e0.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- FAQ 2 -->\r\n\r\n      <div class=\"rf-cq-faq-item\">\r\n\r\n        <button\r\n          class=\"rf-cq-faq-question\"\r\n          type=\"button\"\r\n          aria-expanded=\"false\"\r\n        >\r\n\r\n          <span class=\"rf-cq-faq-question-text\">\r\n            Quando posso rinnovare la cessione del quinto?\r\n          <\/span>\r\n\r\n          <span class=\"rf-cq-faq-symbol\"><\/span>\r\n\r\n        <\/button>\r\n\r\n\r\n        <div class=\"rf-cq-faq-answer-wrap\">\r\n\r\n          <div class=\"rf-cq-faq-answer-inner\">\r\n\r\n            <p class=\"rf-cq-faq-answer\">\r\n              In generale, il rinnovo della cessione del quinto pu\u00f2\r\n              essere valutato dopo aver pagato almeno il\r\n              <strong>40% delle rate previste<\/strong>.\r\n              Una parte del nuovo finanziamento serve a estinguere\r\n              quello precedente: per questo \u00e8 importante conoscere\r\n              la liquidit\u00e0 netta ottenibile e le nuove condizioni\r\n              prima di decidere.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- FAQ 3 -->\r\n\r\n      <div class=\"rf-cq-faq-item\">\r\n\r\n        <button\r\n          class=\"rf-cq-faq-question\"\r\n          type=\"button\"\r\n          aria-expanded=\"false\"\r\n        >\r\n\r\n          <span class=\"rf-cq-faq-question-text\">\r\n            La cessione del quinto prevede un\u2019assicurazione?\r\n          <\/span>\r\n\r\n          <span class=\"rf-cq-faq-symbol\"><\/span>\r\n\r\n        <\/button>\r\n\r\n\r\n        <div class=\"rf-cq-faq-answer-wrap\">\r\n\r\n          <div class=\"rf-cq-faq-answer-inner\">\r\n\r\n            <p class=\"rf-cq-faq-answer\">\r\n              S\u00ec, la cessione del quinto prevede una copertura\r\n              assicurativa obbligatoria a garanzia del finanziamento.\r\n              Per i dipendenti riguarda il rischio vita e il rischio impiego;\r\n              per i pensionati il rischio vita.\r\n              Le condizioni e le eventuali esclusioni sono indicate\r\n              nella documentazione assicurativa.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- FAQ 4 -->\r\n\r\n      <div class=\"rf-cq-faq-item\">\r\n\r\n        <button\r\n          class=\"rf-cq-faq-question\"\r\n          type=\"button\"\r\n          aria-expanded=\"false\"\r\n        >\r\n\r\n          <span class=\"rf-cq-faq-question-text\">\r\n            Cosa succede se cambio lavoro o perdo l\u2019impiego?\r\n          <\/span>\r\n\r\n          <span class=\"rf-cq-faq-symbol\"><\/span>\r\n\r\n        <\/button>\r\n\r\n\r\n        <div class=\"rf-cq-faq-answer-wrap\">\r\n\r\n          <div class=\"rf-cq-faq-answer-inner\">\r\n\r\n            <p class=\"rf-cq-faq-answer\">\r\n              In caso di cambio di lavoro, la trattenuta pu\u00f2 proseguire\r\n              sul nuovo stipendio, attraverso gli adempimenti necessari.\r\n              Se perdi l\u2019impiego, occorre verificare il debito residuo,\r\n              l\u2019eventuale utilizzo del TFR e le condizioni della copertura\r\n              assicurativa. \u00c8 importante contattare il finanziatore\r\n              per definire come proseguir\u00e0 il rimborso.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- FAQ 5 -->\r\n\r\n      <div class=\"rf-cq-faq-item\">\r\n\r\n        <button\r\n          class=\"rf-cq-faq-question\"\r\n          type=\"button\"\r\n          aria-expanded=\"false\"\r\n        >\r\n\r\n          <span class=\"rf-cq-faq-question-text\">\r\n            Qual \u00e8 la differenza tra cessione del quinto e prestito personale?\r\n          <\/span>\r\n\r\n          <span class=\"rf-cq-faq-symbol\"><\/span>\r\n\r\n        <\/button>\r\n\r\n\r\n        <div class=\"rf-cq-faq-answer-wrap\">\r\n\r\n          <div class=\"rf-cq-faq-answer-inner\">\r\n\r\n            <p class=\"rf-cq-faq-answer\">\r\n              La cessione del quinto \u00e8 dedicata a dipendenti e pensionati\r\n              e viene rimborsata con una trattenuta sullo stipendio\r\n              o sulla pensione. Il prestito personale viene normalmente\r\n              rimborsato tramite addebito sul conto corrente.\r\n              Per scegliere, \u00e8 utile confrontare requisiti, rata,\r\n              durata e condizioni delle singole offerte.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n\r\n    <\/div>\r\n\r\n\r\n  <\/div>\r\n\r\n<\/section>\r\n\r\n\r\n<script>\r\n\r\n(function () {\r\n\r\n  const faqSections = document.querySelectorAll('.rf-cq-faq');\r\n\r\n  faqSections.forEach(function(section) {\r\n\r\n    const items = section.querySelectorAll('.rf-cq-faq-item');\r\n\r\n    items.forEach(function(item) {\r\n\r\n      const button = item.querySelector('.rf-cq-faq-question');\r\n\r\n      button.addEventListener('click', function() {\r\n\r\n        const isOpen = item.classList.contains('is-open');\r\n\r\n\r\n        \/* CHIUDE LE ALTRE FAQ *\/\r\n\r\n        items.forEach(function(otherItem) {\r\n\r\n          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data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4311c95\" data-id=\"4311c95\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-665c423 elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"665c423\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n\r\n.rf-final-cta,\r\n.rf-final-cta * {\r\n  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class=\"rf-final-cta-title\">\r\n        Quanto puoi ottenere con<br>\r\n        la cessione del quinto?\r\n      <\/h2>\r\n\r\n      <p class=\"rf-final-cta-text\">\r\n        Scoprilo con una simulazione personalizzata\r\n        e il supporto di un consulente Realizza.\r\n      <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- PULSANTE -->\r\n\r\n    <a\r\n      class=\"rf-final-cta-button\"\r\n      href=\"https:\/\/www.realizzafinanziamenti.it\/web\/modulo\/\"\r\n      aria-label=\"Richiedi una simulazione\"\r\n    >\r\n      Richiedi una simulazione\r\n    <\/a>\r\n\r\n\r\n  <\/div>\r\n\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Cessione del quinto: come funziona La cessione del quinto \u00e8 un prestito per dipendenti e pensionati, con una rata trattenuta direttamente dallo stipendio o dalla pensione. La rata pu\u00f2 arrivare fino al 20% del reddito netto mensile. Scopri quanto puoi ottenere e valuta una soluzione adatta alle tue esigenze con il supporto di un consulente [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-6669","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cessione del quinto come funziona - Realizza Finanziamenti<\/title>\n<meta name=\"description\" content=\"La cessione del quinto dello stipendio per dipendenti privati \u00e8 un prestito non finalizzato a firma singola (disciplinato dal ...\" \/>\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.realizzafinanziamenti.it\/web\/cessione-del-quinto-come-funziona\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cessione del quinto come funziona - 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