{"id":4646,"date":"2025-02-26T15:41:02","date_gmt":"2025-02-26T14:41:02","guid":{"rendered":"https:\/\/visuresmart.it\/news\/?p=4646"},"modified":"2025-03-04T10:42:00","modified_gmt":"2025-03-04T09:42:00","slug":"guida-al-mutuo-come-richiederlo-e-quali-documenti-presentare","status":"publish","type":"post","link":"https:\/\/visuresmart.it\/news\/guida-al-mutuo-come-richiederlo-e-quali-documenti-presentare\/","title":{"rendered":"Guida al mutuo: come richiederlo e quali documenti presentare"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4646\" class=\"elementor elementor-4646\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d24454c e-con-full e-flex e-con e-parent\" data-id=\"5d24454c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-439b2b9d e-con-full e-flex e-con e-child\" data-id=\"439b2b9d\" data-element_type=\"container\">\n\t\t<div data-dce-background-color=\"#F8F8F8\" class=\"elementor-element elementor-element-cb53597 e-con-full e-flex e-con e-child\" data-id=\"cb53597\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;tilt&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58dd3ac7 elementor-widget elementor-widget-text-editor\" data-id=\"58dd3ac7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"Standard\">Quali documenti servono per <strong>richiedere un Mutuo<\/strong>? Che sia per l\u2019acquisto di una casa o per la ristrutturazione di un immobile, la soluzione migliore per ottenere il denaro necessario \u00e8 l\u2019accensione di un mutuo. In questa guida di <a href=\"https:\/\/visuresmart.it\/\"><b>Visuresmart.it<\/b><\/a> ti spiegheremo come richiedere un Mutuo e quali documenti dovrai presentare.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5664859c e-con-full e-flex e-con e-parent\" data-id=\"5664859c\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-67089ad8 e-flex e-con-boxed e-con e-child\" data-id=\"67089ad8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3babf0b2 e-con-full e-flex e-con e-child\" data-id=\"3babf0b2\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6a3e5f7f e-con-full e-flex e-con e-child\" data-id=\"6a3e5f7f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div data-dce-background-image-url=\"https:\/\/visuresmart.it\/news\/wp-content\/uploads\/2025\/02\/Come-richiedere-un-Mutuo.jpg\" class=\"elementor-element elementor-element-1a89cec9 e-con-full e-flex e-con e-child\" data-id=\"1a89cec9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5eba0104 e-con-full e-flex e-con e-child\" data-id=\"5eba0104\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6ac138bf e-flex e-con-boxed e-con e-child\" data-id=\"6ac138bf\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-684cd3c1 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"684cd3c1\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"dce-animations\">\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"material-icons-outlined md-question_answer\" data-md-icon=\"question_answer\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bbe1835 elementor-widget elementor-widget-heading\" data-id=\"4bbe1835\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Come richiedere un Mutuo?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a633426 elementor-widget elementor-widget-text-editor\" data-id=\"1a633426\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"Standard\">Per richiedere un <strong>Mutuo<\/strong> dovrai prepararti adeguatamente. Sono necessari, infatti, diversi documenti che dovrai presentare presso la <strong>Banca<\/strong> o l\u2019<strong>Istituto di Credito<\/strong> nel quale intendi chiedere un prestito. Inoltre, dovrai valutare attentamente le tue esigenze finanziarie. Definisci l&#8217;importo di cui hai bisogno e scegli il tipo di Mutuo pi\u00f9 adatto alle tue esigenze.<\/p>\n<p class=\"Standard\">Esistono, infatti, diverse tipologie di Mutuo: a tasso fisso, a tasso variabile o misto. Inoltre, dovrai valutare attentamente se richiedere un <strong>Mutuo Fondiario<\/strong> o un <strong>Mutuo Ipotecario<\/strong>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ba080f7 e-con-full e-flex e-con e-parent\" data-id=\"4ba080f7\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-44d1e65c e-con-full e-flex e-con e-child\" data-id=\"44d1e65c\" data-element_type=\"container\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;tilt&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74d54907 e-con-full e-flex e-con e-child\" data-id=\"74d54907\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-401676f9 elementor-widget elementor-widget-heading\" data-id=\"401676f9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mutuo Fondiario e Mutuo Ipotecario, qual \u00e8 la differenza?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e5d9e2c elementor-widget elementor-widget-text-editor\" data-id=\"1e5d9e2c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"Standard\">Come abbiamo anticipato, quando si richiede un <strong>Finanziamento<\/strong> \u00e8 necessario conoscere qual \u00e8 la differenza tra Mutuo Fondiario e Mutuo Ipotecario.<\/p>\n<p class=\"Standard\">Un <strong>Mutuo Fondiario<\/strong> \u00e8 un contratto, per mezzo del quale viene concesso un prestito da parte di un istituto di credito ad una persona fisica o ad un soggetto giuridico. Il Mutuo Fondiario \u00e8 regolamentato dall\u2019<strong>articolo 38 del Testo Unico Bancario<\/strong> (T.U.B.) che ne stabilisce le caratteristiche:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89b3cb e-con-full e-flex e-con e-child\" data-id=\"89b3cb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46829792 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"46829792\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"material-icons-outlined md-arrow_forward_ios\" data-md-icon=\"arrow_forward_ios\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pu\u00f2 essere erogato soltanto da una banca o da un istituto creditizio.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"material-icons-outlined md-arrow_forward_ios\" data-md-icon=\"arrow_forward_ios\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pu\u00f2 avere una durata che va da un minimo di 18 mesi ad un massimo di 30 anni.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"material-icons-outlined md-arrow_forward_ios\" data-md-icon=\"arrow_forward_ios\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pu\u00f2 essere richiesto soltanto per la prima casa (acquisto, ristrutturazione o costruzione).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"material-icons-outlined md-arrow_forward_ios\" data-md-icon=\"arrow_forward_ios\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Deve essere garantito da un\u2019ipoteca di primo grado.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"material-icons-outlined md-arrow_forward_ios\" data-md-icon=\"arrow_forward_ios\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Le somme richieste non possono superare l\u201980% del valore d\u2019acquisto dell\u2019immobile per il quale si chiede il Prestito.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ed10efb e-con-full e-flex e-con e-parent\" data-id=\"5ed10efb\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4caf8886 e-con-full e-flex e-con e-child\" data-id=\"4caf8886\" data-element_type=\"container\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;tilt&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24fa7aa6 e-con-full e-flex e-con e-child\" data-id=\"24fa7aa6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70584337 elementor-widget elementor-widget-text-editor\" data-id=\"70584337\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"Standard\">Un <strong>Mutuo Ipotecario<\/strong>, invece, pu\u00f2 essere richiesto per l\u2019acquisto di una seconda o terza casa, di un\u2019automobile e di beni di altro genere. Le sue caratteristiche sono:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5836d14f e-con-full e-flex e-con e-child\" data-id=\"5836d14f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-260bd0cf elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"260bd0cf\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"material-icons-outlined md-arrow_forward_ios\" data-md-icon=\"arrow_forward_ios\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pu\u00f2 ammontare al 100% del valore del bene da acquistare o del debito da estinguere.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"material-icons-outlined md-arrow_forward_ios\" data-md-icon=\"arrow_forward_ios\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ha una durata che va da un minimo di 5 anni ad un massimo di 30 anni.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"material-icons-outlined md-arrow_forward_ios\" data-md-icon=\"arrow_forward_ios\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">La banca richiede delle garanzie, come un\u2019ipoteca sul bene acquistato.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4875fdc9 e-con-full e-flex e-con e-parent\" data-id=\"4875fdc9\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-629060e1 e-con-full e-flex e-con e-child\" data-id=\"629060e1\" data-element_type=\"container\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;tilt&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6083816d e-con-full e-flex e-con e-child\" data-id=\"6083816d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0f1ac6 elementor-widget elementor-widget-text-editor\" data-id=\"c0f1ac6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"Standard\">Quando avrai deciso tra Fondiario e Ipotecario, prima che ti venga concesso il prestito la Banca o l\u2019Istituto di Credito effettueranno alcune verifiche cos\u00ec da valutare il tuo <a href=\"https:\/\/visuresmart.it\/news\/credit-score-perche-e-importante-per-prestiti-e-mutui\/\"><b>Merito Creditizio<\/b><\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e6a707d e-con-full e-flex e-con e-parent\" data-id=\"7e6a707d\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3fb0adfe e-flex e-con-boxed e-con e-child\" data-id=\"3fb0adfe\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-300c2add e-con-full e-flex e-con e-child\" data-id=\"300c2add\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-43bd5eee e-con-full e-flex e-con e-child\" data-id=\"43bd5eee\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div data-dce-background-image-url=\"https:\/\/visuresmart.it\/news\/wp-content\/uploads\/2025\/02\/Cose-il-Merito-Creditizio.jpg\" class=\"elementor-element elementor-element-1fa5805c e-con-full e-flex e-con e-child\" data-id=\"1fa5805c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6fe9cb43 e-con-full e-flex e-con e-child\" data-id=\"6fe9cb43\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8a342ae e-flex e-con-boxed e-con e-child\" data-id=\"8a342ae\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f7e4f20 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1f7e4f20\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"dce-animations\">\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"material-icons-outlined md-question_answer\" data-md-icon=\"question_answer\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7645f2e elementor-widget elementor-widget-heading\" data-id=\"7645f2e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cos\u2019\u00e8 il Merito Creditizio?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58171c31 elementor-widget elementor-widget-text-editor\" data-id=\"58171c31\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"Standard\">Il Merito Creditizio (o <strong>Credit Score<\/strong>) \u00e8 un dato che attesta se il soggetto richiedente ha gi\u00e0 ottenuto dei finanziamenti, se sono ancora attivi e se si \u00e8 in regola con il <strong>piano di rimborso<\/strong>. Tutte queste informazioni sono raccolte all\u2019interno del database della <a href=\"https:\/\/visuresmart.it\/news\/visura-crif-cose-e-perche-e-importante-averla\/\"><b>Centrale Rischi<\/b><\/a>, sotto la gestione della Banca d\u2019Italia. In qualsiasi momento puoi verificare la tua situazione creditizia con una <a href=\"https:\/\/visuresmart.it\/front\/Rapportiinformativi_VisuraCattivoPagatore.aspx\"><b>Visura Banca d\u2019Italia<\/b><\/a>.<\/p>\n<p class=\"Standard\">Esistono, tuttavia, anche dei database di natura privata come quello della CRIF (<a href=\"https:\/\/visuresmart.it\/news\/centrale-rischi-e-crif-quali-sono-le-differenze\/\"><b>Centrale Rischi Finanziari<\/b><\/a>) che gestisce l\u2019EURISC. Anche in questo caso \u00e8 possibile<strong> <a href=\"https:\/\/visuresmart.it\/news\/come-sapere-se-sono-stato-segnalato-al-crif\/\">verificare se si \u00e8 stati segnalati<\/a><\/strong>, richiedendo una <a href=\"https:\/\/visuresmart.it\/front\/Rapportiinformativi_VisuraCrif.aspx\"><b>Visura CRIF<\/b><\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eeb1ea9 e-con-full e-flex e-con e-parent\" data-id=\"eeb1ea9\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7bcba140 e-con-full e-flex e-con e-child\" data-id=\"7bcba140\" data-element_type=\"container\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;tilt&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2301123a e-con-full e-flex e-con e-child\" data-id=\"2301123a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2db320ef e-con-full e-flex e-con e-child\" data-id=\"2db320ef\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60d435f2 elementor-view-framed elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"60d435f2\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"material-icons-outlined md-question_answer\" data-md-icon=\"question_answer\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b88694a elementor-widget elementor-widget-heading\" data-id=\"3b88694a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quali documenti servono per un Mutuo?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c354d6 elementor-widget elementor-widget-text-editor\" data-id=\"1c354d6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"Standard\">Una volta accertato il merito creditizio del soggetto richiedente, al fine di ottenere un Mutuo Fondiario o Ipotecario sar\u00e0 necessario presentare a garanzia un serie di documenti ad iniziare dal <a href=\"https:\/\/visuresmart.it\/news\/certificato-contestuale-per-mutui-cosa-e-a-cosa-serve\/\"><strong>Certificato Contestuale<\/strong><\/a><span class=\"StrongEmphasis\">.<\/span><\/p>\n<p class=\"Standard\">Se sei un <strong>lavoratore dipendente<\/strong> o un <strong>pensionato<\/strong> dovrai anche presentare le ultime due buste paga del richiedente o gli ultimi due cedolini della pensione, una dichiarazione di anzianit\u00e0 di servizio presso il proprio posto di lavoro e una copia dell\u2019ultima Certificazione Unica o del 730.<\/p>\n<p class=\"Standard\">Se sei un <strong>libero professionista<\/strong> o un <strong>lavoratore autonomo<\/strong> i documenti da presentare per il Prestito saranno, invece, sono le ultime due copie del Modello Unico o del 770 e una <strong><a href=\"https:\/\/visuresmart.it\/front\/CameraCommercio_VisuraCamerale.aspx\">Visura camerale<\/a><\/strong> nel caso in cui si tratti di una societ\u00e0 o un\u2019impresa individuale.<\/p>\n<p class=\"Standard\">Infine, quando si chiede un Mutuo Fondiario dovrai presentare la documentazione relativa all\u2019immobile che intendi acquistare, tra cui una copia della <strong><a href=\"https:\/\/visuresmart.it\/news\/differenza-tra-elaborato-planimetrico-e-planimetria-catastale-qual-e\/\">Planimetria Catastale<\/a><\/strong> una <a href=\"https:\/\/visuresmart.it\/news\/visura-catastale-valore-probatorio\/\"><strong>Visura Catastale<\/strong><\/a> e una <a href=\"https:\/\/visuresmart.it\/news\/la-visura-ipotecaria-cose-e-perche-e-importante-averla\/\"><strong>Visura Ipotecaria<\/strong><\/a><span class=\"StrongEmphasis\">.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e0642c9 e-con-full e-flex e-con e-parent\" data-id=\"6e0642c9\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5ecc8df e-con-full e-flex e-con e-child\" data-id=\"5ecc8df\" data-element_type=\"container\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;tilt&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-11029b0f e-con-full e-flex e-con e-child\" data-id=\"11029b0f\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5ebc0783 e-con-full e-flex e-con e-child\" data-id=\"5ebc0783\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fbaafe4 elementor-widget elementor-widget-heading\" data-id=\"4fbaafe4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Come ottenere i documenti per il Mutuo?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f834348 elementor-widget elementor-widget-text-editor\" data-id=\"5f834348\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Puoi richiedere i documenti per il Mutuo utilizzando il servizio di <a href=\"https:\/\/visuresmart.it\/\"><strong>Visuresmart.it<\/strong><\/a> che ti garantir\u00e0 la consegna veloce della documentazione richiesta. Su Visuresmart.it puoi richiedere direttamente online una <a href=\"https:\/\/visuresmart.it\/front\/cameradicommercio.aspx\"><strong>Visura Camerale<\/strong><\/a> e la documentazione relativa all\u2019immobile che intendi acquistare come la <a href=\"https:\/\/visuresmart.it\/front\/Catasto_planimetriacatastale.aspx\"><strong>Planimetria Catastale<\/strong><\/a>, la <a href=\"https:\/\/visuresmart.it\/front\/Catasto_visuracatastaleordinaria.aspx\"><strong>Visura Catastale<\/strong><\/a> e la <a href=\"https:\/\/visuresmart.it\/front\/Catasto_visuraipotecaria.aspx\"><strong>Visura Ipotecaria<\/strong><\/a>.\u00a0<\/p>\n<p>Il servizio di <a href=\"https:\/\/visuresmart.it\/\"><strong>Visuresmart.it<\/strong><\/a> \u00e8 pratico e veloce, con un\u2019assistenza clienti sempre a tua disposizione per rispondere ad ogni domanda inerente i tuoi <strong><a href=\"https:\/\/visuresmart.it\/news\/documenti-online-perche-serve-la-delega\/\">documenti<\/a><\/strong>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a0421f7 e-con-full e-flex e-con e-parent\" data-id=\"a0421f7\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-342c6e60 e-con-full e-flex e-con e-child\" data-id=\"342c6e60\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;shape_divider_top&quot;:&quot;tilt&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t<div data-dce-background-image-url=\"https:\/\/visuresmart.it\/news\/wp-content\/uploads\/2024\/02\/Asset-3@2x.png\" class=\"elementor-element elementor-element-377ab354 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"377ab354\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c563cac e-con-full e-flex e-con e-child\" data-id=\"7c563cac\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3198ef08 elementor-widget elementor-widget-heading\" data-id=\"3198ef08\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">VISURE, CERTIFICATI, DOCUMENTI DELLA PA.\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ec664ef elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"2ec664ef\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Scopri di pi\u00f9<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Scopri quali documenti servono per richiedere un mutuo e come ottenere il finanziamento per acquistare o ristrutturare casa.<\/p>\n","protected":false},"author":1,"featured_media":4650,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[32,1026,104,1025,44,110,153,19],"class_list":["post-4646","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casa-visure-smart","tag-documenti-utili","tag-merito-creditizio","tag-mutuo","tag-visura-banca-ditalia","tag-visura-camerale","tag-visura-catastale","tag-visura-ipotecaria","tag-visuresmart"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v23.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Guida al mutuo: come richiederlo e quali documenti presentare<\/title>\r\n<meta name=\"description\" content=\"Come funziona un mutuo? Scopri le principali differenze, come richiederlo e quali documenti servono per richiederlo.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/visuresmart.it\/news\/guida-al-mutuo-come-richiederlo-e-quali-documenti-presentare\/\" \/>\r\n<meta property=\"og:locale\" content=\"it_IT\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Guida al mutuo: come richiederlo e quali documenti presentare\" \/>\r\n<meta property=\"og:description\" content=\"Come funziona un mutuo? 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