{"id":248,"date":"2024-11-23T14:07:49","date_gmt":"2024-11-23T13:07:49","guid":{"rendered":"https:\/\/habacus.com\/?page_id=248"},"modified":"2025-09-22T16:21:14","modified_gmt":"2025-09-22T14:21:14","slug":"about","status":"publish","type":"page","link":"https:\/\/habacus.com\/it\/about\/","title":{"rendered":"Chi siamo"},"content":{"rendered":"<section\n    class=\"section relative pt-20 panel bg-v2-l-blue flex items-center justify-center overflow-hidden\"\n    >\n\n            <div class=\"absolute flex flex-wrap top-0 right-0 translate-x-1\/4 -translate-y-1\/4 w-3\/5 lg:w-4\/12 overflow-hidden z-0 blur-3xl\" style=\"-webkit-backdrop-filter: blur(64px);\">\n        <svg id=\"Livello_1\" data-name=\"Livello 1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\"\n            viewBox=\"0 0 976.3 976.2\"\n            class=\"fill-hoverblue w-1\/2\">\n            <path class=\"cls-1\"\n                d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n        <\/svg>\n        <svg id=\"Livello_1\" data-name=\"Livello 1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\"\n            viewBox=\"0 0 976.3 976.2\"\n            class=\"fill-hoverblue w-1\/2\">\n            <path class=\"cls-1\"\n                d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n        <\/svg>\n        <span class=\"w-1\/2\"><\/span>\n        <svg id=\"Livello_1\" data-name=\"Livello 1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\"\n            viewBox=\"0 0 976.3 976.2\"\n            class=\"col-start-2 fill-hoverblue w-1\/2\">\n            <path class=\"cls-1\"\n                d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n        <\/svg>\n    <\/div>\n        <div class=\"w-full max-w-container px-4 mx-auto\">\n        <p class=\"font-montserrat text-primary-blue-950 text-sm font-light py-8 px-4\"\n            id=\"breadcrumbs\"><span><span><a href=\"https:\/\/habacus.com\/it\/\">Home<\/a><\/span><\/span><\/p>\n        <div class=\"lg:w-4\/5 text-center ease-in-div flex flex-col justify-center items-center mb-2 mx-auto\">\n                        <span\n                class=\"uppercase flex gap-2  items-center justify-center h-8 bg-white text-dddblue text-xs font-montserrat font-semibold pl-2 pr-3 rounded mb-6\">\n                <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path\n                        d=\"M12.9316 7.07189C11.1204 5.26095 9.99895 2.76043 9.99895 0C9.99895 2.76043 8.87748 5.26095 7.07054 7.07189C5.2615 8.88074 2.76072 10.0021 0 10.0021C2.76072 10.0021 5.2615 11.1235 7.07054 12.9302C8.87957 14.739 9.99895 17.2396 9.99895 20C9.99895 14.477 14.4786 10.0021 20 10.0021C17.2393 10.0021 14.7385 8.88074 12.9295 7.07399L12.9316 7.07189Z\"\n                        fill=\"#3762E9\" \/>\n                <\/svg>\n\n                CHI SIAMO<\/span>\n            \n            <h1\n                class=\"text-center text-dddblue text-44 lg:text-7xl font-bold pb-8 leading-12 lg:leading-18\">\n                                                <span class=\"font-montserrat text-40 lg:text-6xl\">Servizi per sbloccare<\/span>\n                                                                <span class=\"relative font-fraunces italic lg:font-80\">il tuo potenziale\n                                                        <\/span>\n                                            <\/h1>\n\n\n            <p\n                class=\"pb-10 text-center w-full font-montserrat text-base lg:text-xl font-medium text-dddblue\">\n                Accompagniamo gli studenti con strumenti, informazioni e orientamento qualificato per supportarne lo sviluppo personale e professionale.<\/p>\n\n\n                    <\/div>\n\n        <i class=\"fa-solid fa-chevron-down text-lightblue absolute bottom-4 mx-auto text-4xl hidden\"><\/i>\n    <\/div>\n<\/section>\n\n<section class=\"section about-section rounded-t-llg lg:rounded-t relative panel bg-dwhite flex flex-col items-center justify-center overflow-hidden px-1 pt-16 lg:pt-20\">\n\n    <h2 class=\"text-center text-dddblue font-bold pb-16 lg:pb-32 lg:leading-[56px] w-11\/12 lg:w-4\/5\">\n                                    <span class=\"font-montserrat text-2xl lg:text-40\">Il nostro obiettivo \u00e8 contribuire a rendere la formazione accessibile e creare opportunit\u00e0 che generino valore per il futuro.<\/span>\n                        <\/h2>\n\n            <div class=\"w-11\/12 border-t border-t-dddblue\"><\/div>\n\n        <div class=\"about-overlap flex flex-col lg:flex-row items-center lg:justify-between py-8 w-11\/12 lg:w-4\/5\">\n            <div class=\"flex subsection flex-col lg:w-1\/2\">\n                <h2 class=\"text-dddblue font-fraunces font-bold text-44 italic pb-6\">Vision<\/h2>\n                <p class=\"font-montserrat font-medium text-dddblue text-base pb-6 lg:w-full\">Immaginiamo un futuro in cui il talento degli studenti viene supportato da un ecosistema connesso e basato sui dati, che rende la formazione un\u2019opportunit\u00e0 concreta. Un mondo dove le barriere si riducono e le opportunit\u00e0 diventano accessibili per tutti.\u200b<\/p>\n\n                            <\/div>\n            <picture class=\"w-1\/2 items-start flex justify-end\">\n                <img decoding=\"async\" class=\"lg:w-3\/5\" alt=\"Rappresentazione della mission di Habacus\" width=\"\" height=\"\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/06\/Professore-che-conversa-con-studenti-6.webp\">\n            <\/picture>\n        <\/div>\n            <div class=\"w-11\/12 border-t border-t-dddblue\"><\/div>\n\n        <div class=\"about-overlap flex flex-col lg:flex-row items-center lg:justify-between py-8 w-11\/12 lg:w-4\/5\">\n            <div class=\"flex subsection flex-col lg:w-1\/2\">\n                <h2 class=\"text-dddblue font-fraunces font-bold text-44 italic pb-6\">Mission<\/h2>\n                <p class=\"font-montserrat font-medium text-dddblue text-base pb-6 lg:w-full\">Utilizziamo i dati per aiutare studenti, aziende e istituzioni a fare scelte consapevoli e ottenere risultati concreti. Creiamo connessioni che valorizzano il potenziale e aprono la strada a percorsi di crescita reali. Con noi, i progetti diventano piani raggiungibili e il futuro<\/p>\n\n                            <\/div>\n            <picture class=\"w-1\/2 items-start flex justify-end\">\n                <img decoding=\"async\" class=\"lg:w-3\/5\" alt=\"Rappresentazione della vision di Habacus\" width=\"\" height=\"\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/06\/Gruppo-di-studenti-che-batte-cinque-3.webp\">\n            <\/picture>\n        <\/div>\n    \n\n\n<\/section>\n\n\n<section class=\"bg-v2-l-blue flex justify-center pb-16 w-screen\">\n    <div class=\"flex flex-col justify-center items-center text-center lg:text-left lg:justify-between max-w-full pt-16 lg:pt-32\">\n        <div class=\"lg:flex lg:justify-between lg:items-center lg:w-4\/5 pb-10 lg:pb-10\">\n            <h2 class=\"lg:w-1\/2 text-4xl lg:text-44 lg:leading-12 font-bold text-primary-blue-950\">\n                                                            <span class=\"font-montserrat text-32 lg:text-40\">Il nostro<\/span>\n                                                                                <span class=\"font-fraunces italic\">team<\/span>\n                                                <\/h2>\n            <a href=\"https:\/\/habacus.com\/about\/il-team\/\" class=\"hidden lg:flex btn btn-primary\"><span class=\"\">Vedi tutti<\/span><i class=\"fa-solid fa-arrow-right text-white\"><\/i><\/a>\n        <\/div>\n        <div class=\"swiper-container-generic-loop w-screen max-w-full overflow-hidden pb-10\">\n            <div class=\"swiper-wrapper  relative max-w-full\">\n\n                                    <div class=\"swiper-slide group w-1\/2 lg:w-3\/12 rounded-mmd bg-white\/80\">\n                        <div class=\"flex flex-col items-center justify-center p-10\">\n                            <picture class=\"w-[110px] pb-10 rounded-[55px]\">\n                                <img decoding=\"async\" src=\"https:\/\/habacus.com\/app\/uploads\/2024\/11\/Paolo-Cuniberti.webp\" alt=\"\" class=\"object-cover  rounded-[55px]\">\n                            <\/picture>\n                            <h3 class=\"font-montserrat text-dddblue font-bold text-2xl text-center pb-3\">Paolo Cuniberti<\/h3>\n                            <span class=\"flex items-center justify-center h-8 bg-extralightblue text-dddblue text-xs font-montserrat font-semibold px-4 rounded-sm rounded-tr-mmd rounded-bl-mmd mb-6 uppercase\">Founder &#038; CEO<\/span>\n                            <p class=\"font-monsterat text-dddblue text-sm font-medium text-center\">\n                                                                Dopo la laurea in economia all\u2019Universit\u00e0 Bocconi, avvia la propria esperienza lavorati&#8230;\n                            <\/p>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide group w-1\/2 lg:w-3\/12 rounded-mmd bg-white\/80\">\n                        <div class=\"flex flex-col items-center justify-center p-10\">\n                            <picture class=\"w-[110px] pb-10 rounded-[55px]\">\n                                <img decoding=\"async\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/07\/Andrea-Morresi-2.webp\" alt=\"\" class=\"object-cover  rounded-[55px]\">\n                            <\/picture>\n                            <h3 class=\"font-montserrat text-dddblue font-bold text-2xl text-center pb-3\">Andrea Morresi<\/h3>\n                            <span class=\"flex items-center justify-center h-8 bg-extralightblue text-dddblue text-xs font-montserrat font-semibold px-4 rounded-sm rounded-tr-mmd rounded-bl-mmd mb-6 uppercase\">Presidente CdA<\/span>\n                            <p class=\"font-monsterat text-dddblue text-sm font-medium text-center\">\n                                                                Laureato all\u2019Universit\u00e0 Bocconi, entra nel mondo della finanza con Deutsche Bank per po&#8230;\n                            <\/p>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide group w-1\/2 lg:w-3\/12 rounded-mmd bg-white\/80\">\n                        <div class=\"flex flex-col items-center justify-center p-10\">\n                            <picture class=\"w-[110px] pb-10 rounded-[55px]\">\n                                <img decoding=\"async\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/01\/John-Galea-e1751553329533.webp\" alt=\"\" class=\"object-cover  rounded-[55px]\">\n                            <\/picture>\n                            <h3 class=\"font-montserrat text-dddblue font-bold text-2xl text-center pb-3\">John Joseph Galea<\/h3>\n                            <span class=\"flex items-center justify-center h-8 bg-extralightblue text-dddblue text-xs font-montserrat font-semibold px-4 rounded-sm rounded-tr-mmd rounded-bl-mmd mb-6 uppercase\">CFO<\/span>\n                            <p class=\"font-monsterat text-dddblue text-sm font-medium text-center\">\n                                                                Laureato in Ingegneria Gestionale (Sapienza, 2009) con MBA conseguito presso l&#8217;IE Business&#8230;\n                            <\/p>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide group w-1\/2 lg:w-3\/12 rounded-mmd bg-white\/80\">\n                        <div class=\"flex flex-col items-center justify-center p-10\">\n                            <picture class=\"w-[110px] pb-10 rounded-[55px]\">\n                                <img decoding=\"async\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/01\/Jacopo-Gasparetti.webp\" alt=\"\" class=\"object-cover  rounded-[55px]\">\n                            <\/picture>\n                            <h3 class=\"font-montserrat text-dddblue font-bold text-2xl text-center pb-3\">Jacopo Gasparetti<\/h3>\n                            <span class=\"flex items-center justify-center h-8 bg-extralightblue text-dddblue text-xs font-montserrat font-semibold px-4 rounded-sm rounded-tr-mmd rounded-bl-mmd mb-6 uppercase\">Tech Lead<\/span>\n                            <p class=\"font-monsterat text-dddblue text-sm font-medium text-center\">\n                                                                Laureato in Ingegneria Informatica nel 2015 presso il Politecnico di Milano, durante la la&#8230;\n                            <\/p>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide group w-1\/2 lg:w-3\/12 rounded-mmd bg-white\/80\">\n                        <div class=\"flex flex-col items-center justify-center p-10\">\n                            <picture class=\"w-[110px] pb-10 rounded-[55px]\">\n                                <img decoding=\"async\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/03\/19eab456-2b99-4f69-a128-d0ce1489bef3-e1741102327647.webp\" alt=\"\" class=\"object-cover  rounded-[55px]\">\n                            <\/picture>\n                            <h3 class=\"font-montserrat text-dddblue font-bold text-2xl text-center pb-3\">Gabriella Berardi<\/h3>\n                            <span class=\"flex items-center justify-center h-8 bg-extralightblue text-dddblue text-xs font-montserrat font-semibold px-4 rounded-sm rounded-tr-mmd rounded-bl-mmd mb-6 uppercase\">Marketing &#038; Communication Manager<\/span>\n                            <p class=\"font-monsterat text-dddblue text-sm font-medium text-center\">\n                                                                Laureata in Design della Comunicazione nel 2016 presso il Politecnico di Milano, ha consol&#8230;\n                            <\/p>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide group w-1\/2 lg:w-3\/12 rounded-mmd bg-white\/80\">\n                        <div class=\"flex flex-col items-center justify-center p-10\">\n                            <picture class=\"w-[110px] pb-10 rounded-[55px]\">\n                                <img decoding=\"async\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/03\/raffaele-esposto.webp\" alt=\"\" class=\"object-cover  rounded-[55px]\">\n                            <\/picture>\n                            <h3 class=\"font-montserrat text-dddblue font-bold text-2xl text-center pb-3\">Raffaele Esposto<\/h3>\n                            <span class=\"flex items-center justify-center h-8 bg-extralightblue text-dddblue text-xs font-montserrat font-semibold px-4 rounded-sm rounded-tr-mmd rounded-bl-mmd mb-6 uppercase\">Head of Project Delivery &#038; Revenue Operations<\/span>\n                            <p class=\"font-monsterat text-dddblue text-sm font-medium text-center\">\n                                                                Laureato in Ingegneria Gestionale nel 2012 presso il Politecnico di Bari. Inizia il suo pe&#8230;\n                            <\/p>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide group w-1\/2 lg:w-3\/12 rounded-mmd bg-white\/80\">\n                        <div class=\"flex flex-col items-center justify-center p-10\">\n                            <picture class=\"w-[110px] pb-10 rounded-[55px]\">\n                                <img decoding=\"async\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/10\/Iris-De-Stefano_foto-sito.webp\" alt=\"\" class=\"object-cover  rounded-[55px]\">\n                            <\/picture>\n                            <h3 class=\"font-montserrat text-dddblue font-bold text-2xl text-center pb-3\">Iris De Stefano<\/h3>\n                            <span class=\"flex items-center justify-center h-8 bg-extralightblue text-dddblue text-xs font-montserrat font-semibold px-4 rounded-sm rounded-tr-mmd rounded-bl-mmd mb-6 uppercase\">Channels development and products strategy<\/span>\n                            <p class=\"font-monsterat text-dddblue text-sm font-medium text-center\">\n                                                                Laureata in Relazioni Internazionali alla LUISS di Roma e in International Business all\u2019&#8230;\n                            <\/p>\n                        <\/div>\n                    <\/div>\n                \n            <\/div>\n        <\/div>\n        <a href=\"https:\/\/habacus.com\/about\/il-team\/\" class=\"flex lg:hidden min-h-12 min-w-44 font-montserrat text-white font-semibold bg-dddblue rounded-tl-sm rounded-br-sm rounded-tr-mmd rounded-bl-mmd p-1 text-base inline-flex items-center justify-center border border-newlightblue hover:border-dddblue transition-all duration-300 ease-in-out space-x-4 px-4\"><span class=\"\">Vedi tutti<\/span><i class=\"fa-solid fa-arrow-right text-white\"><\/i><\/a>\n    <\/div>\n<\/section>\n\n\n<section class=\"block-v2-faq bg-white flex justify-center pb-16 w-screen rounded-b-lg lg:rounded-b\">\n\n    <div class=\"flex flex-col justify-center items-center text-center lg:text-left lg:justify-between max-w-full pt-16 lg:pt-32 w-4\/5 \">\n        <div class=\"pb-10 lg:pb-10 w-full text-center\">\n            <h2 class=\"text-primary-blue-950\">\n                <span class=\"font-montserrat font-bold  text-[1.75rem] lg:text-40 \" style=\"\">Domande frequenti<\/span>\n                <\/h2>\n        <\/div>\n        <div class=\"w-full pb-10\">\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            \n                \n                <div class=\"w-full flex p-1 bg-white rounded-mmd mb-6 lg:w-[450px] lg:mx-auto\">\n                                            <button id=\"269125-faq-button-4\" onclick=\"onChangeFaq('269125', 4)\" class=\"w-1\/2 py-2 font-montserrat font-semibold text-sm text-dddblue text-center rounded-md text-white bg-mediumblue\">Prestiti<\/button>\n                                            <button id=\"269125-faq-button-3\" onclick=\"onChangeFaq('269125', 3)\" class=\"w-1\/2 py-2 font-montserrat font-semibold text-sm text-dddblue text-center rounded-md \">Servizi<\/button>\n                                    <\/div>\n\n                \n                                    <div id=\"269125-faq-content-4\" class=\"lg:w-4\/5 lg:mx-auto \">\n                                                    <div class=\"accordion pointer border rounded-mmd mb-3\">\n                                <h2>\n                                    <button type=\"button\" class=\"button-accordion text-base font-montserrat font-semibold bg-white flex items-center justify-between w-full p-6 text-primary-blue-950 lg:text-lg rounded-b-mmd rounded-t-mmd gap-3\" data-accordion-target=\"#accordion-open-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-open-body-1\">\n                                        <span class=\"flex items-center text-20 text-left\">Come posso confrontare i prestiti studenteschi?<\/span>\n\n                                        <i class=\"fa-solid fa-plus text-primary-blue-950\"><\/i>\n                                        <i class=\"fa-solid fa-minus hidden lg:hidden text-primary-blue-950\"><\/i>\n                                    <\/button>\n                                <\/h2>\n                                <div id=\"\" class=\"accordion-content hidden w-full relative\" aria-labelledby=\"\">\n                                    <div class=\"p-5 lg:pt-0 bg-white rounded-b-mmd flex flex-col\">\n                                        <div class=\"font-inter text-base text-primary-blue-950 text-left\">\n                                            <p>In generale per valutare un prestito studentesco sar\u00e0 importante per te comprendere quale tasso di interesse ti viene offerto e con quale durata massima di restituzione. Ciascun prestito studentesco prevede che ci si rechi in filiale per la sottoscrizione del contratto. Quindi potresti voler scegliere la banca anche in base alla vicinanza geografica delle sue filiali.<\/p>\n<p>&nbsp;<\/p>\n\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                            <\/div>\n                                    <div id=\"269125-faq-content-3\" class=\"lg:w-4\/5 lg:mx-auto hidden\">\n                                                    <div class=\"accordion pointer border rounded-mmd mb-3\">\n                                <h2>\n                                    <button type=\"button\" class=\"button-accordion text-base font-montserrat font-semibold bg-white flex items-center justify-between w-full p-6 text-primary-blue-950 lg:text-lg rounded-b-mmd rounded-t-mmd gap-3\" data-accordion-target=\"#accordion-open-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-open-body-1\">\n                                        <span class=\"flex items-center text-20 text-left\">Ci sono requisiti di reddito per fare richiesta di prestito studentesco?<\/span>\n\n                                        <i class=\"fa-solid fa-plus text-primary-blue-950\"><\/i>\n                                        <i class=\"fa-solid fa-minus hidden lg:hidden text-primary-blue-950\"><\/i>\n                                    <\/button>\n                                <\/h2>\n                                <div id=\"\" class=\"accordion-content hidden w-full relative\" aria-labelledby=\"\">\n                                    <div class=\"p-5 lg:pt-0 bg-white rounded-b-mmd flex flex-col\">\n                                        <div class=\"font-inter text-base text-primary-blue-950 text-left\">\n                                            <p>No, non sono previsti requisiti di reddito per richiedere un prestito studentesco.<br \/>\nL\u2019accesso al prestito si basa principalmente sulla valutazione della performance accademica. La decisione finale sull\u2019erogazione del finanziamento spetta comunque alla banca, che pu\u00f2 effettuare ulteriori verifiche di tipo creditizio.<\/p>\n<p>&nbsp;<\/p>\n\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion pointer border rounded-mmd mb-3\">\n                                <h2>\n                                    <button type=\"button\" class=\"button-accordion text-base font-montserrat font-semibold bg-white flex items-center justify-between w-full p-6 text-primary-blue-950 lg:text-lg rounded-b-mmd rounded-t-mmd gap-3\" data-accordion-target=\"#accordion-open-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-open-body-1\">\n                                        <span class=\"flex items-center text-20 text-left\">Quali sono i requisiti per accedere a un prestito studentesco con garanzia dello stato?<\/span>\n\n                                        <i class=\"fa-solid fa-plus text-primary-blue-950\"><\/i>\n                                        <i class=\"fa-solid fa-minus hidden lg:hidden text-primary-blue-950\"><\/i>\n                                    <\/button>\n                                <\/h2>\n                                <div id=\"\" class=\"accordion-content hidden w-full relative\" aria-labelledby=\"\">\n                                    <div class=\"p-5 lg:pt-0 bg-white rounded-b-mmd flex flex-col\">\n                                        <div class=\"font-inter text-base text-primary-blue-950 text-left\">\n                                            <table width=\"765\">\n<tbody>\n<tr>\n<td width=\"765\">Per poter accedere a un prestito studentesco con garanzia dello Stato, \u00e8 necessario rispettare le seguenti condizioni:<\/p>\n<p>&#8211; Et\u00e0 compresa tra 18 e 40 anni;<\/p>\n<p>&#8211; Iscrizione regolare presso un ente formativo incluso nel perimetro convenzionato;<\/p>\n<p>&#8211; Assenza di pendenze economiche nei confronti dell\u2019ente formativo;<\/p>\n<p>&#8211; Non essere fuori corso;<\/p>\n<p>&#8211; Conseguimento del titolo di studio precedente con voto minimo: diploma \u2265 75\/100 (per finanziare una laurea triennale, magistrale a ciclo unico o un corso its), oppure laurea propedeutica \u2265 100\/110 (per finanziare una laurea magistrale, un master di I o II livello o una scuola di specializzazione);<\/p>\n<p>In aggiunta ai requisiti sopra menzionati, le banche possono richiedere ulteriori requisiti (es. residenza in Italia) come condizione fondamentale per concedere un finanziamento.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion pointer border rounded-mmd mb-3\">\n                                <h2>\n                                    <button type=\"button\" class=\"button-accordion text-base font-montserrat font-semibold bg-white flex items-center justify-between w-full p-6 text-primary-blue-950 lg:text-lg rounded-b-mmd rounded-t-mmd gap-3\" data-accordion-target=\"#accordion-open-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-open-body-1\">\n                                        <span class=\"flex items-center text-20 text-left\">I prestiti studenteschi sono cumulabili con la borsa di studio?<\/span>\n\n                                        <i class=\"fa-solid fa-plus text-primary-blue-950\"><\/i>\n                                        <i class=\"fa-solid fa-minus hidden lg:hidden text-primary-blue-950\"><\/i>\n                                    <\/button>\n                                <\/h2>\n                                <div id=\"\" class=\"accordion-content hidden w-full relative\" aria-labelledby=\"\">\n                                    <div class=\"p-5 lg:pt-0 bg-white rounded-b-mmd flex flex-col\">\n                                        <div class=\"font-inter text-base text-primary-blue-950 text-left\">\n                                            <p>S\u00ec, richiedere o aver ottenuto una borsa di studio non impedisce la richiesta di un prestito studentesco.<\/p>\n<p>&nbsp;<\/p>\n\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion pointer border rounded-mmd mb-3\">\n                                <h2>\n                                    <button type=\"button\" class=\"button-accordion text-base font-montserrat font-semibold bg-white flex items-center justify-between w-full p-6 text-primary-blue-950 lg:text-lg rounded-b-mmd rounded-t-mmd gap-3\" data-accordion-target=\"#accordion-open-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-open-body-1\">\n                                        <span class=\"flex items-center text-20 text-left\">Quanto si pu\u00f2 chiedere al massimo con un prestito studentesco?<\/span>\n\n                                        <i class=\"fa-solid fa-plus text-primary-blue-950\"><\/i>\n                                        <i class=\"fa-solid fa-minus hidden lg:hidden text-primary-blue-950\"><\/i>\n                                    <\/button>\n                                <\/h2>\n                                <div id=\"\" class=\"accordion-content hidden w-full relative\" aria-labelledby=\"\">\n                                    <div class=\"p-5 lg:pt-0 bg-white rounded-b-mmd flex flex-col\">\n                                        <div class=\"font-inter text-base text-primary-blue-950 text-left\">\n                                            <p>Dipende dal prodotto. I prestiti studenteschi con garanzia statale prevedono fino a 15.000 \u20ac per ogni anno residuo di studi, incluso l&#8217;anno accademico in corso, fino a un massimo di 50.000\u20ac.<\/p>\n\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion pointer border rounded-mmd mb-3\">\n                                <h2>\n                                    <button type=\"button\" class=\"button-accordion text-base font-montserrat font-semibold bg-white flex items-center justify-between w-full p-6 text-primary-blue-950 lg:text-lg rounded-b-mmd rounded-t-mmd gap-3\" data-accordion-target=\"#accordion-open-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-open-body-1\">\n                                        <span class=\"flex items-center text-20 text-left\">Cosa succede dopo che si ha avuto accesso al prestito?<\/span>\n\n                                        <i class=\"fa-solid fa-plus text-primary-blue-950\"><\/i>\n                                        <i class=\"fa-solid fa-minus hidden lg:hidden text-primary-blue-950\"><\/i>\n                                    <\/button>\n                                <\/h2>\n                                <div id=\"\" class=\"accordion-content hidden w-full relative\" aria-labelledby=\"\">\n                                    <div class=\"p-5 lg:pt-0 bg-white rounded-b-mmd flex flex-col\">\n                                        <div class=\"font-inter text-base text-primary-blue-950 text-left\">\n                                            <p>Se il prestito prevede un\u2019unica tranche, l\u2019istituto finanziario erogher\u00e0 allo studente l\u2019intera somma del prestito. Se il prestito prevede pi\u00f9 tranche la somma sar\u00e0 divisa in pi\u00f9 erogazioni, a cadenza fissata dall\u2019istituto finanziario. Prima di ogni erogazione Habacus verifica che lo studente stia rispettando i requisiti di mantenimento del prestito. Ci\u00f2 significa che entrer\u00e0 nuovamente in contatto con lo studente e si occuper\u00e0 di verificare la documentazione aggiornata e di inoltrare l\u2019esito all\u2019istituto finanziario, cos\u00ec che questo possa erogare la tranche di prestito successiva.<\/p>\n<p>&nbsp;<\/p>\n\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion pointer border rounded-mmd mb-3\">\n                                <h2>\n                                    <button type=\"button\" class=\"button-accordion text-base font-montserrat font-semibold bg-white flex items-center justify-between w-full p-6 text-primary-blue-950 lg:text-lg rounded-b-mmd rounded-t-mmd gap-3\" data-accordion-target=\"#accordion-open-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-open-body-1\">\n                                        <span class=\"flex items-center text-20 text-left\">Come vengono gestite le erogazioni del prestito studentesco?<\/span>\n\n                                        <i class=\"fa-solid fa-plus text-primary-blue-950\"><\/i>\n                                        <i class=\"fa-solid fa-minus hidden lg:hidden text-primary-blue-950\"><\/i>\n                                    <\/button>\n                                <\/h2>\n                                <div id=\"\" class=\"accordion-content hidden w-full relative\" aria-labelledby=\"\">\n                                    <div class=\"p-5 lg:pt-0 bg-white rounded-b-mmd flex flex-col\">\n                                        <div class=\"font-inter text-base text-primary-blue-950 text-left\">\n                                            <table width=\"765\">\n<tbody>\n<tr>\n<td width=\"765\">Se il prestito prevede un\u2019erogazione suddivisa in tranche (in particolare nei corsi pluriennali), prima di ogni nuova erogazione, diversa dalla prima, vengono effettuati controlli per verificare che lo studente rispetti ancora i requisiti richiesti.<br \/>\nIn base al prodotto bancario scelto, potrebbero essere verificate una o pi\u00f9 delle seguenti condizioni:<br \/>\n\u2022 Regolare iscrizione all\u2019anno successivo, comprovata dal pagamento della tassa di iscrizione;<br \/>\n\u2022 Regolare frequenza, se prevista;<br \/>\n\u2022 Conseguimento di una soglia minima di CFU prevista dal piano di studi (la soglia varia da banca a banca).<br \/>\nSe i requisiti non sono pi\u00f9 soddisfatti, l\u2019erogazione della tranche successiva pu\u00f2 essere negata. In alcuni casi, questo comporta l\u2019interruzione definitiva del finanziamento.<br \/>\nIn caso di interruzione, si considera conclusa la fase di erogazione e inizia il periodo di preammortamento, al termine del quale avr\u00e0 inizio la restituzione secondo i tempi e le modalit\u00e0 concordate con la banca.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                            <\/div>\n                                    <\/div>\n    <\/div>\n<\/section>\n\n\n\n<section class=\"block-v2-card-wall relative panel home-hero bg-white flex items-center justify-center overflow-hidden p-8 lg:p-14\">\n\n    <div class=\"relative w-full max-w-container px-4 bg-white rounded-mmd lg:rounded-lg rounded-tr border border-v2-l-blue lg:rounded-tr-large text-center mx-auto flex flex-col gap-8 items-center justify-center py-12 lg:py-40 overflow-hidden\">\n                    <div class=\"absolute flex flex-wrap top-0 left-0 -translate-x-1\/4 -translate-y-1\/4 w-3\/5 lg:w-2\/5 overflow-hidden\">\n\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" viewBox=\"0 0 976.3 976.2\" class=\"fill-primary-blue-700\/10 w-1\/2\">\n\t\t<path d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n\t<\/svg>\n\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" viewBox=\"0 0 976.3 976.2\" class=\"fill-primary-blue-700\/30 w-1\/2\">\n\t\t<path d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n\t<\/svg>\n\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" viewBox=\"0 0 976.3 976.2\" class=\"fill-primary-blue-700\/30 w-1\/2\">\n\t\t<path d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n\t<\/svg>\n<\/div>\n\n<div class=\"absolute flex flex-wrap bottom-0 right-0 translate-y-1\/4 translate-x-1\/4 w-3\/5 lg:w-2\/5 overflow-hidden\">\n\t<span class=\"w-1\/2\"><\/span>\n\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" viewBox=\"0 0 976.3 976.2\" class=\"fill-primary-blue-700\/10 w-1\/2\">\n\t\t<path d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n\t<\/svg>\n\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" viewBox=\"0 0 976.3 976.2\" class=\"fill-primary-blue-700\/10 w-1\/2\">\n\t\t<path d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n\t<\/svg>\n\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" viewBox=\"0 0 976.3 976.2\" class=\"fill-primary-blue-700\/30 w-1\/2\">\n\t\t<path d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n\t<\/svg>\n<\/div>        \n        \n        <div class=\"w-4\/5 z-10 text-white flex flex-nowrap justify-center items-center\">\n            <div class=\"flex flex-col gap-2\">\n                <h2 class=\"leading-10 lg:leading-12 font-bold text-primary-blue-950\">\n                    <span class=\"font-montserrat font-bold  text-[1.75rem] lg:text-44 \" style=\"\">Mettiamoci in<\/span>\n                <span class=\"font-fraunces font-bold italic text-[2.125rem] lg:text-50 \" style=\"\">\n            contatto\n                                <\/span>\n                    <\/h2>\n                                    <p class=\"text-base text-primary-blue-950\">Compila il form di seguito e risponderemo alle <b>tue domande<\/b><\/p>\n                            <\/div>\n        <\/div>\n        \n                    <a href=\"https:\/\/habacus.com\/contatti\/\" id=\"\" class=\"btn btn-primary\" style=\"max-width: 300px; border: 1px solid #2043D5; border-radius: 0.375rem; padding: 25px; font-size: 16px; white-space: nowrap; \" >\n    <span class=\"\">Contattaci<\/span>\n            <i class=\"fa-solid fa-arrow-right primary\"><\/i>\n    <\/a>\n        \n    <\/div>\n\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-248","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>About: vision e mission del nostro team | Habacus<\/title>\n<meta name=\"description\" content=\"Habacus \u00e8 un team di professionisti che supporta studenti e aziende. 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