{"id":11754,"date":"2022-12-15T13:37:09","date_gmt":"2022-12-15T12:37:09","guid":{"rendered":"https:\/\/www.vistoperitalia.it\/?p=11754"},"modified":"2022-12-15T13:37:09","modified_gmt":"2022-12-15T12:37:09","slug":"aval-bancario-visado-turistico-texto-garantia","status":"publish","type":"post","link":"https:\/\/www.vistoperitalia.it\/es\/aval-bancario-visado-turistico-texto-garantia\/","title":{"rendered":"Aval bancario para visado tur\u00edstico: \u00bfqu\u00e9 dice el texto de la garant\u00eda?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">El <strong>aval bancario para visado tur\u00edstico<\/strong> es un documento oficial indispensable para quienes desean acoger a un ciudadano extranjero en Italia. No es una mera formalidad:\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">es una garant\u00eda econ\u00f3mica exigida por la ley <a href=\"https:\/\/www.gazzettaufficiale.it\/atto\/serie_generale\/caricaDettaglioAtto\/originario?atto.dataPubblicazioneGazzetta=2000-03-17&amp;atto.codiceRedazionale=000A3095&amp;elenco30giorni=false\"><strong>(Directiva del Ministerio del Interior del 1\/3\/2000)<\/strong><\/a> que sirve para demostrar a la Embajada que el invitado dispone del dinero necesario para vivir en Italia sin depender del Estado.\u00a0<\/p>\n\n\n<style>.kb-table-of-content-nav.kb-table-of-content-id1003_79ab0d-23 .kb-table-of-content-wrap{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);background-color:var(u002du002dbase-2);}.kb-table-of-content-nav.kb-table-of-content-id1003_79ab0d-23 .kb-table-of-contents-title-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id1003_79ab0d-23 .kb-table-of-contents-title{font-weight:regular;font-style:normal;}.kb-table-of-content-nav.kb-table-of-content-id1003_79ab0d-23 .kb-table-of-content-wrap .kb-table-of-content-list{color:var(u002du002daccent);font-weight:bold;font-style:normal;margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-right:0px;margin-bottom:0px;margin-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id1003_79ab0d-23 .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id1003_79ab0d-23 .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id1003_79ab0d-23 .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id1003_79ab0d-23 .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id1003_79ab0d-23 .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id1003_79ab0d-23 .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:before{background-color:var(u002du002dbase-2);}<\/style>\n\n\n<p class=\"wp-block-paragraph\"><strong>Comprender el contenido del texto de la garant\u00eda es fundamental: un error en las cl\u00e1usulas o en el importe puede causar el rechazo inmediato del visado.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>QU\u00c9 ES EL AVAL BANCARIO PARA VISADO TUR\u00cdSTICO<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Imagina que invitas a un amigo a cenar. Si se olvida la cartera, t\u00fa respondes por \u00e9l y pagas la cuenta. El <strong>aval bancario para visado tur\u00edstico<\/strong> funciona exactamente igual, pero a mayor escala y con reglas precisas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Es un contrato mediante el cual una persona residente en Italia (denominada \u00abContratante\u00bb o \u00abPatrocinador\u00bb) se compromete a garantizar econ\u00f3micamente a un ciudadano extranjero (denominado \u00abBeneficiario\u00bb) que desea venir a Italia por turismo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u00bfPara qu\u00e9 sirve exactamente?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El Estado italiano quiere tener la certeza de que quien entra en Italia dispone de medios para comer, alojarse y desplazarse. Si el extranjero no cuenta con ese dinero, la Embajada le deniega el visado. <strong>El aval bancario es la garant\u00eda de que el ciudadano extranjero en Italia tiene los medios necesarios para permanecer all\u00ed<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u00bfQui\u00e9n debe solicitarlo?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No lo tramita el extranjero que reside en el extranjero. Debe solicitarlo quien lo invita a Italia. Puede hacerlo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un <strong>ciudadano italiano<\/strong>.<\/li>\n\n\n\n<li>Un <strong>ciudadano extranjero<\/strong> que resida en Italia con un permiso de residencia en vigor.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Con il nostro servizio <strong>ottieni <\/strong><a href=\"https:\/\/www.vistoperitalia.it\/es\/?page_id=11876\"><strong>la Fideiussione Bancaria<\/strong><\/a><strong> e <\/strong><a href=\"https:\/\/www.vistoperitalia.it\/es\/?page_id=11895\"><strong>la Polizza Sanitaria&nbsp; <\/strong><\/a><strong>in pochi passaggi<\/strong>, senza dover aprire un conto corrente e <strong>senza depositare denaro in banca.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Llama ahora: nuestros asesores est\u00e1n listos para responder todas tus preguntas de forma gratuita:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items588_f1dd92-00:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items588_f1dd92-00 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:10px;margin-left:40px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items588_f1dd92-00 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items588_f1dd92-00 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:11px;}.kt-svg-icon-list-items588_f1dd92-00 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items588_f1dd92-00 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items588_f1dd92-00 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184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7.9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 83.8 35.2 15.2 49 16.5 66.6 13.9 10.7-1.6 32.8-13.4 37.4-26.4 4.6-13 4.6-24.1 3.2-26.4-1.3-2.5-5-3.9-10.5-6.6z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Scrivi: \u00a0<a href=\"https:\/\/wa.me\/393397150157?text=Vistoperitalia.it,%20richiedo%20informazioni%20su:\">WhatsApp:\u00a0 +39 339 7150157<\/a><\/strong><\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-588_81b78a-64 .kt-svg-icon-list-single{font-size:20px !important;color:var(--global-color-8) !important;}.kt-svg-icon-list-item-588_81b78a-64 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-588_81b78a-64 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_phone kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6 19.79 19.79 0 0 1-3.07-8.67A2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72 12.84 12.84 0 0 0 .7 2.81 2 2 0 0 1-.45 2.11L8.09 9.91a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45 12.84 12.84 0 0 0 2.81.7A2 2 0 0 1 22 16.92z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Chiama subito: <a href=\"tel:+3902667124.17\"><strong>+39.02.667.124.17<\/strong><\/a> o <a href=\"tel:+39055285313\"><strong>+39.055.28.53.13<\/strong><\/a><\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-588_ca9fad-49 .kt-svg-icon-list-single{font-size:20px !important;color:var(--global-color-8) !important;}.kt-svg-icon-list-item-588_ca9fad-49 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-588_ca9fad-49 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_mail kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M4 4h16c1.1 0 2 .9 2 2v12c0 1.1-.9 2-2 2H4c-1.1 0-2-.9-2-2V6c0-1.1.9-2 2-2z\"\/><polyline points=\"22,6 12,13 2,6\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Email: <a href=\"mailto:info@vistoperitalia.it\"><strong>info@vistoperitalia.it<\/strong><\/a><\/span><\/li>\n<\/ul><\/div>\n\n\n<div class=\"gb-container gb-container-465ab27b\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-270ae49e\">\n<div class=\"gb-grid-column gb-grid-column-3873761c\"><div class=\"gb-container gb-container-3873761c\">\n<style>.kb-image8413_cfed85-05 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image8413_cfed85-05 size-full\"><img decoding=\"async\" width=\"800\" height=\"405\" src=\"https:\/\/www.vistoperitalia.it\/wp-content\/uploads\/2025\/03\/recensioni-google.png\" alt=\"\" class=\"kb-img wp-image-7043\" srcset=\"https:\/\/www.vistoperitalia.it\/wp-content\/uploads\/2025\/03\/recensioni-google.png 800w, 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mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading8413_a8fdad-5c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading8413_a8fdad-5c[data-kb-block=\"kb-adv-heading8413_a8fdad-5c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading8413_a8fdad-5c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading8413_a8fdad-5c\"><a href=\"https:\/\/www.vistoperitalia.it\/testimonianze\/\"><strong>Curioso di sapere come lavoriamo? Dai un\u2019occhiata alle recensioni su Google e scopri le esperienze dei nostri clienti.<\/strong><\/a><\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>QU\u00c9 DEBE CONTENER EL TEXTO DE LA GARANT\u00cdA<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El texto del aval no es libre.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Debe seguir reglas precisas establecidas por la ley. Si falta alg\u00fan elemento, el documento no es v\u00e1lido. A continuaci\u00f3n analizamos las partes t\u00e9cnicas del contrato bas\u00e1ndonos en documentos oficiales.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Las referencias legales (el pre\u00e1mbulo)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El texto debe comenzar citando las leyes pertinentes. No basta con decir \u00abrespondo por \u00e9l\u00bb. El contrato debe citar expresamente:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.normattiva.it\/uri-res\/N2Ls?urn:nir:stato:decreto.legislativo:1998-07-25;286;@originale~art4\" target=\"_blank\" rel=\"noreferrer noopener\">El <strong>Art\u00edculo 4 del Texto \u00danico sobre Inmigraci\u00f3n<\/strong> (D.Lgs. 286\/98)<\/a>: es la ley que obliga a demostrar los medios de subsistencia.<\/li>\n\n\n\n<li>La <strong>Directiva del Ministerio del Interior del 1 de marzo de 2000<\/strong>: es la norma que establece exactamente el importe requerido.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Las partes del contrato<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El texto debe identificar claramente a tres sujetos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>El Contratante:<\/strong> quien realiza la invitaci\u00f3n. Deben figurar nombre, apellidos, c\u00f3digo fiscal e domicilio.<\/li>\n\n\n\n<li><strong>El Beneficiario (Sujeto Garantizado):<\/strong> el extranjero que llega. Deben constar nombre, apellidos, fecha de nacimiento, nacionalidad y, sobre todo, el <strong>n\u00famero de pasaporte<\/strong>.<\/li>\n\n\n\n<li><strong>El Avalista:<\/strong> el banco o la entidad financiera que firma el documento y cuenta con la autorizaci\u00f3n del Banco de Italia.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. El objeto de la garant\u00eda<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Esta es la parte central. <strong>El texto debe indicar que la entidad garantiza al Beneficiario el pago de las cantidades necesarias para su manutenci\u00f3n en Italia, hasta un importe m\u00e1ximo establecido. En la pr\u00e1ctica, se estipula que si el Contratante no cubre los gastos del invitado, intervendr\u00e1 el aval.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. La duraci\u00f3n (\u00a1atenci\u00f3n aqu\u00ed!)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En el texto aparecen dos fechas distintas que no deben confundirse:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Duraci\u00f3n de la garant\u00eda:<\/strong> es el per\u00edodo durante el cual el contrato est\u00e1 en vigor (habitualmente 6 meses).<\/li>\n\n\n\n<li><strong>Duraci\u00f3n de la estancia:<\/strong> es el per\u00edodo efectivo en que el invitado permanecer\u00e1 en Italia <strong>(m\u00e1ximo 90 d\u00edas para turismo).<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">El texto debe especificar que la cobertura es v\u00e1lida durante los d\u00edas de estancia efectiva (p. ej., 90 d\u00edas) a partir del momento en que el extranjero entra en Italia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>POR QU\u00c9 EL TEXTO ES TAN IMPORTANTE<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No se puede redactar una carta a mano en un papel en blanco. El Consulado o la Embajada revisan cada detalle.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Verificaci\u00f3n de la redacci\u00f3n:<\/strong> Los funcionarios consulares saben que la ley exige referencias espec\u00edficas (como la Directiva de 2000). Si el texto de tu aval no cita esas leyes, considerar\u00e1n que el documento es falso o in\u00fatil.<\/li>\n\n\n\n<li><strong>El riesgo de denegaci\u00f3n:<\/strong> Si el texto no garantiza claramente los medios de subsistencia, el visado es denegado con la motivaci\u00f3n: \u00abno dispone de medios de subsistencia suficientes\u00bb.<\/li>\n\n\n\n<li><strong>Diferencia entre texto conforme y gen\u00e9rico:<\/strong> Un texto gen\u00e9rico dice \u00abrespondo por mi amigo\u00bb. Un texto conforme dice \u00abMe constituyo avalista conforme al art. 4 del T.U. 286\/98 por el importe previsto en la Tabla A\u00bb. Solo el segundo es aceptado.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>IMPORTE DE LA GARANT\u00cdA: C\u00d3MO SE CALCULA<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El importe no lo decides t\u00fa. Est\u00e1 fijado por la ley en funci\u00f3n del tiempo que el invitado permanezca en Italia. La tabla de referencia es la del Ministerio del Interior.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As\u00ed se calcula (cifras orientativas basadas en la directiva):<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>De 1 a 5 d\u00edas:<\/strong> Se requiere una cuota fija de <strong>269,60 euros<\/strong> en total.<\/li>\n\n\n\n<li><strong>De 6 a 10 d\u00edas:<\/strong> Se necesitan <strong>44,93 euros<\/strong> por cada d\u00eda.<\/li>\n\n\n\n<li><strong>De 11 a 20 d\u00edas:<\/strong> Se requiere una cuota fija de <strong>51,64 euros<\/strong> + <strong>36,67 euros<\/strong> por cada d\u00eda.<\/li>\n\n\n\n<li><strong>M\u00e1s de 20 d\u00edas:<\/strong> Se requiere una cuota fija de <strong>206,58 euros<\/strong> + <strong>27,89 euros<\/strong> por cada d\u00eda.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ejemplo pr\u00e1ctico para 90 d\u00edas (el caso habitual):<\/strong> Para un visado tur\u00edstico est\u00e1ndar de 3 meses (90 d\u00edas), el importe que se utiliza habitualmente es de aproximadamente <strong>3.905 euros<\/strong>. Esta es la cifra clave que debe figurar en el texto de la garant\u00eda.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>ERRORES COMUNES EN EL TEXTO DEL AVAL<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aunque pagues, si el texto es incorrecto, el visado no llega. Estos son los errores m\u00e1s frecuentes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Importe incorrecto:<\/strong> Consignar una cifra inferior a la requerida por la tabla ministerial. Si el invitado se queda 90 d\u00edas pero solo garantizas 1.000 euros, el visado es denegado.<\/li>\n\n\n\n<li><strong>Duraci\u00f3n incoherente:<\/strong> El aval debe cubrir <em>todo<\/em> el per\u00edodo. Si la invitaci\u00f3n es por 90 d\u00edas, la garant\u00eda no puede tener una duraci\u00f3n de 30 d\u00edas.<\/li>\n\n\n\n<li><strong>Datos del beneficiario incorrectos:<\/strong> Algunos contratos requieren la firma o los datos exactos del pasaporte. Si el n\u00famero de pasaporte es incorrecto en el texto, el documento no es v\u00e1lido.<\/li>\n\n\n\n<li><strong>Confusi\u00f3n entre aval y seguro m\u00e9dico:<\/strong> \u00a1Son dos cosas distintas! El aval garantiza los fondos para vivir. El seguro m\u00e9dico cubre los gastos sanitarios (30.000 euros). Se necesitan <strong>ambos<\/strong>, no solo uno.<\/li>\n<\/ul>\n\n\n\n<div id=\"brb_collection_3943\"><\/div>\n<script type=\"text\/javascript\">\n!function(e){\n  var c = document.createElement(\"script\");\n  c.src = e;\n  document.body.appendChild(c);\n}(\"https:\/\/www.vistoperitalia.it\/proxy.php?id=3943&brb_callback=brb_\" + (new Date).getTime());\n<\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>C\u00d3MO OBTENER UN AVAL CON TEXTO CONFORME<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Para no equivocarse en la redacci\u00f3n, la mejor soluci\u00f3n es recurrir a empresas especializadas que utilizan modelos ya aprobados por las Embajadas.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Prepara la documentaci\u00f3n:<\/strong> Necesitar\u00e1s tus documentos (DNI\/pasaporte, c\u00f3digo fiscal), tu justificante de ingresos (n\u00f3mina o modelo Unico) y la copia del pasaporte del invitado.<\/li>\n\n\n\n<li><strong>Elige la entidad:<\/strong> Puedes acudir a un banco (si deseas bloquear el dinero) o a un intermediario asegurador especializado (para pagar solo la prima sin inmovilizar capital).<\/li>\n\n\n\n<li><strong>Recepci\u00f3n r\u00e1pida:<\/strong> Muchos servicios online permiten recibir el documento firmado digitalmente por correo electr\u00f3nico en 24\/48 horas.<\/li>\n\n\n\n<li><strong>Firma digital:<\/strong> Los documentos modernos llegan con firma digital, listos para imprimir y presentar en el Consulado.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">En <a href=\"http:\/\/www.vistoperitalia.it\/es\/\">vistoperitalia.it<\/a> llevamos a\u00f1os trabajando con <a href=\"https:\/\/www.italiafideiussioni.it\/mandato-diretto-finanziaria-romana-spa\/\"><strong>la Finanziaria Romana Spa<\/strong><\/a>, entidad autorizada por el Banco de Italia para emitir avales y cauciones al p\u00fablico.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>FAQ (PREGUNTAS REALES)<\/strong><\/h2>\n\n\n<div class=\"gb-container gb-container-e3d4f1ba gb-accordion\">\n<div class=\"gb-container gb-container-ff1a1431 gb-accordion__item gb-accordion__item-open\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-29607c40 gb-accordion__toggle gb-block-is-current\" id=\"gb-accordion-toggle-29607c40\"><span class=\"gb-button-text\"><strong><strong>\u00bfCu\u00e1nto dura la garant\u00eda de aval?<\/strong> <\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-a570fd99\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-a570fd99\">\n\n<p class=\"wp-block-paragraph\">La garant\u00eda tiene habitualmente una vigencia de 6 meses o 1 a\u00f1o desde la fecha de emisi\u00f3n, pero cubre efectivamente el per\u00edodo de estancia del invitado (p. ej., m\u00e1ximo 90 d\u00edas) dentro de ese plazo.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-bdf6637b gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-1dda5f59 gb-accordion__toggle\" id=\"gb-accordion-toggle-1dda5f59\"><span class=\"gb-button-text\"><strong><strong> Cosa significa \u00abbeneficio della preventiva escussione\u00bb?<\/strong><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-3da91369\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-3da91369\">\n\n<p class=\"wp-block-paragraph\">Es un t\u00e9rmino t\u00e9cnico del contrato. Significa que, si existe una deuda, el acreedor debe intentar cobrar primero a quien realiz\u00f3 la invitaci\u00f3n (el Contratante). Solo si este no paga, entonces responde el aval.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-20d4cfb6 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-8b53d83b gb-accordion__toggle\" id=\"gb-accordion-toggle-8b53d83b\"><span class=\"gb-button-text\"><strong><strong>\u00bfSe reembolsa si el visado es denegado?<\/strong> <\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-aa9e1fad\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-aa9e1fad\">\n\n<p class=\"wp-block-paragraph\"><strong>No.<\/strong> La prima pagada por el aval (en el caso de aseguradoras\/financieras) no se reembolsa porque el servicio de emisi\u00f3n ya se ha prestado, con independencia de la decisi\u00f3n de la Embajada.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-606251c9 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-106525db gb-accordion__toggle\" id=\"gb-accordion-toggle-106525db\"><span class=\"gb-button-text\"><strong><strong>\u00bfPuedo utilizar el mismo aval para varios viajes?<\/strong><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-8fb7bf5b\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-8fb7bf5b\">\n\n<p class=\"wp-block-paragraph\">S\u00ed, si el aval es v\u00e1lido por 6 meses o 1 a\u00f1o y prev\u00e9 entradas m\u00faltiples, puedes utilizarlo para entrar y salir varias veces, siempre que no se supere el total de d\u00edas garantizados (p. ej., 90 d\u00edas en total).<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-9d69a715 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-3e6085d2 gb-accordion__toggle\" id=\"gb-accordion-toggle-3e6085d2\"><span class=\"gb-button-text\"><strong><strong>\u00bfEl seguro m\u00e9dico est\u00e1 incluido en el texto del aval?<\/strong> <\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-381c666d\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-381c666d\">\n\n<p class=\"wp-block-paragraph\">No. Son dos documentos separados. <a href=\"https:\/\/www.vistoperitalia.it\/es\/?page_id=11911\"><strong>El aval garantiza los medios de subsistencia.<\/strong><\/a> <a href=\"https:\/\/www.vistoperitalia.it\/es\/?page_id=11915\"><strong>El seguro m\u00e9dico debe garantizar 30.000 euros<\/strong><\/a> para gastos m\u00e9dicos urgentes. Necesitas ambos.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-c5eb74eb gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-115bfcc5 gb-accordion__toggle\" id=\"gb-accordion-toggle-115bfcc5\"><span class=\"gb-button-text\"><strong><strong>\u00bfCu\u00e1nto cuesta contratar un aval de seguro?<\/strong><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-d6306aa3\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-d6306aa3\">\n\n<p class=\"wp-block-paragraph\">Il costo varia, ma da noi <a href=\"http:\/\/divistoperitalia.it\">di vistoperitalia.it<\/a>\u00a0 <strong>costa 110,00 Euro per 30 giorni.<\/strong><\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-b5e9b4da gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-c129b8e9 gb-accordion__toggle\" id=\"gb-accordion-toggle-c129b8e9\"><span class=\"gb-button-text\"><strong><strong>\u00bfQu\u00e9 ocurre si no tengo n\u00f3mina?<\/strong><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-23daee35\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-23daee35\">\n\n<p class=\"wp-block-paragraph\">Si el Contratante no tiene ingresos demostrables, puede intervenir un tercero como \u00abGarante\u00bb (un familiar o amigo con ingresos) que firme los documentos para respaldar la solicitud.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-3cba053c gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-e0f7fbdb gb-accordion__toggle\" id=\"gb-accordion-toggle-e0f7fbdb\"><span class=\"gb-button-text\"><strong>\u00bfEste decreto se aplica tambi\u00e9n a los ciudadanos europeos?<\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-7ff405d2\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-7ff405d2\">\n\n<p class=\"wp-block-paragraph\">No, el Decreto Flussi (decreto anual italiano de cuotas de entrada de trabajadores extranjeros) est\u00e1 dirigido espec\u00edficamente a los trabajadores no comunitarios, es decir, ciudadanos de pa\u00edses fuera de la Uni\u00f3n Europea. Los ciudadanos europeos ya gozan de libertad de circulaci\u00f3n y trabajo dentro de la UE.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-3574c46a gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-193ebd56 gb-accordion__toggle\" id=\"gb-accordion-toggle-193ebd56\"><span class=\"gb-button-text\"><strong><strong>\u00bfEl texto del aval debe ser original?<\/strong><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-1e2be139\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-1e2be139\">\n\n<p class=\"wp-block-paragraph\">Las Embajadas exigen documentos firmados digitalmente. Muchas agencias env\u00edan el archivo con firma digital, que tiene valor legal y puede imprimirse.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-75c91d02 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-4bfb7175 gb-accordion__toggle\" id=\"gb-accordion-toggle-4bfb7175\"><span class=\"gb-button-text\"><strong><strong><strong>\u00bfPuedo tramitar el aval directamente en Rusia o en el pa\u00eds del invitado?<\/strong><\/strong><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-ed823c49\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-ed823c49\">\n\n<p class=\"wp-block-paragraph\">No, el aval de invitaci\u00f3n <strong>debe contratarse en Italia por parte del invitante<\/strong> (ciudadano italiano o residente) ante una entidad autorizada para operar en Italia.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-e2afda0a gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-937a53ea gb-accordion__toggle\" id=\"gb-accordion-toggle-937a53ea\"><span class=\"gb-button-text\"><strong><strong><strong><strong>\u00bfEl aval tambi\u00e9n es necesario para el visado de estudios?<\/strong><\/strong><\/strong><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-dec23eae\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-dec23eae\">\n\n<p class=\"wp-block-paragraph\">S\u00ed. Tambi\u00e9n para el visado de estudios es necesario demostrar los medios de subsistencia. El texto y el importe var\u00edan ligeramente (vigencia habitualmente de 12 meses para el curso acad\u00e9mico).<\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<p class=\"gb-headline gb-headline-ee48baa2 gb-headline-text\">Con il nostro servizio <strong>ottieni <\/strong><a href=\"https:\/\/www.vistoperitalia.it\/es\/?page_id=11876\"><strong>la Fideiussione Bancaria<\/strong><\/a><strong> e <\/strong><a href=\"https:\/\/www.vistoperitalia.it\/es\/?page_id=11895\"><strong>la Polizza Sanitaria&nbsp; <\/strong><\/a><strong>in pochi passaggi<\/strong>, senza dover aprire un conto corrente e <strong>senza depositare denaro in banca.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chiama subito, i nostri consulenti sono pronti a rispondere a tutte le tue domande gratuitamente:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items588_f1dd92-00:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items588_f1dd92-00 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:10px;margin-left:40px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items588_f1dd92-00 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items588_f1dd92-00 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:11px;}.kt-svg-icon-list-items588_f1dd92-00 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items588_f1dd92-00 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items588_f1dd92-00 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-left:var(--global-kb-spacing-xxs, 0.5rem);column-gap:17px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items588_f1dd92-00 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class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-588_736a65-c0 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fa_whatsapp kt-svg-icon-list-single\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M380.9 97.1C339 55.1 283.2 32 223.9 32c-122.4 0-222 99.6-222 222 0 39.1 10.2 77.3 29.6 111L0 480l117.7-30.9c32.4 17.7 68.9 27 106.1 27h.1c122.3 0 224.1-99.6 224.1-222 0-59.3-25.2-115-67.1-157zm-157 341.6c-33.2 0-65.7-8.9-94-25.7l-6.7-4-69.8 18.3L72 359.2l-4.4-7c-18.5-29.4-28.2-63.3-28.2-98.2 0-101.7 82.8-184.5 184.6-184.5 49.3 0 95.6 19.2 130.4 54.1 34.8 34.9 56.2 81.2 56.1 130.5 0 101.8-84.9 184.6-186.6 184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7.9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 83.8 35.2 15.2 49 16.5 66.6 13.9 10.7-1.6 32.8-13.4 37.4-26.4 4.6-13 4.6-24.1 3.2-26.4-1.3-2.5-5-3.9-10.5-6.6z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Scrivi: \u00a0<a href=\"https:\/\/wa.me\/393397150157?text=Vistoperitalia.it,%20richiedo%20informazioni%20su:\">WhatsApp:\u00a0 +39 339 7150157<\/a><\/strong><\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-588_81b78a-64 .kt-svg-icon-list-single{font-size:20px !important;color:var(--global-color-8) !important;}.kt-svg-icon-list-item-588_81b78a-64 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-588_81b78a-64 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_phone kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6 19.79 19.79 0 0 1-3.07-8.67A2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72 12.84 12.84 0 0 0 .7 2.81 2 2 0 0 1-.45 2.11L8.09 9.91a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45 12.84 12.84 0 0 0 2.81.7A2 2 0 0 1 22 16.92z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Chiama subito: <a href=\"tel:+3902667124.17\"><strong>+39.02.667.124.17<\/strong><\/a> o <a href=\"tel:+39055285313\"><strong>+39.055.28.53.13<\/strong><\/a><\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-588_ca9fad-49 .kt-svg-icon-list-single{font-size:20px !important;color:var(--global-color-8) !important;}.kt-svg-icon-list-item-588_ca9fad-49 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-588_ca9fad-49 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_mail kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M4 4h16c1.1 0 2 .9 2 2v12c0 1.1-.9 2-2 2H4c-1.1 0-2-.9-2-2V6c0-1.1.9-2 2-2z\"\/><polyline points=\"22,6 12,13 2,6\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Email: <a href=\"mailto:info@vistoperitalia.it\"><strong>info@vistoperitalia.it<\/strong><\/a><\/span><\/li>\n<\/ul><\/div>\n\n\n<div class=\"gb-container gb-container-465ab27b\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-270ae49e\">\n<div class=\"gb-grid-column gb-grid-column-3873761c\"><div class=\"gb-container gb-container-3873761c\">\n<style>.kb-image8413_cfed85-05 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image8413_cfed85-05 size-full\"><img decoding=\"async\" width=\"800\" height=\"405\" src=\"https:\/\/www.vistoperitalia.it\/wp-content\/uploads\/2025\/03\/recensioni-google.png\" alt=\"\" class=\"kb-img wp-image-7043\" srcset=\"https:\/\/www.vistoperitalia.it\/wp-content\/uploads\/2025\/03\/recensioni-google.png 800w, https:\/\/www.vistoperitalia.it\/wp-content\/uploads\/2025\/03\/recensioni-google-300x152.png 300w, https:\/\/www.vistoperitalia.it\/wp-content\/uploads\/2025\/03\/recensioni-google-768x389.png 768w\" sizes=\"(max-width: 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img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading8413_a8fdad-5c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading8413_a8fdad-5c\"><a href=\"https:\/\/www.vistoperitalia.it\/testimonianze\/\"><strong>Curioso di sapere come lavoriamo? Dai un\u2019occhiata alle recensioni su Google e scopri le esperienze dei nostri clienti.<\/strong><\/a><\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"gb-headline gb-headline-ba93ab85 gb-headline-text\">Qu\u00e9 hacer si se deniega el visado tur\u00edstico. Gesti\u00f3n del aval y nueva solicitud<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Recibir un \u00abNo\u00bb de la Embajada o el Consulado es un momento dif\u00edcil. Has preparado los documentos, has pagado el aval, has esperado y, aun as\u00ed, el <strong>visado tur\u00edstico ha sido denegado<\/strong>. M\u00e1s all\u00e1 de la decepci\u00f3n, surge de inmediato un problema pr\u00e1ctico y econ\u00f3mico: <strong>\u00bfqu\u00e9 ocurre con el dinero del aval bancario o de seguro que ya has contratado?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esta gu\u00eda explica exactamente qu\u00e9 ocurre con tu garant\u00eda financiera en caso de denegaci\u00f3n y c\u00f3mo actuar para no perder toda tu inversi\u00f3n, bas\u00e1ndose en la normativa y los contratos est\u00e1ndar utilizados por las entidades financieras.<\/p>\n\n\n\n<h3 class=\"gb-headline gb-headline-5f8c6a32 gb-headline-text\"><strong>EL PRIMER PASO: ENTENDER POR QU\u00c9 FUE DENEGADO<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de preocuparse por el dinero, hay que leer la motivaci\u00f3n de la denegaci\u00f3n. Aunque hayas presentado el aval, el visado puede ser denegado.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Las fuentes nos indican que el motivo m\u00e1s frecuente, incluso cuando existen garant\u00edas econ\u00f3micas, es el <strong>riesgo migratorio<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>El caso del empleo ausente:<\/strong> Si el invitado no tiene un trabajo estable en su pa\u00eds de origen (p. ej., T\u00fanez), el Consulado puede denegar el visado indicando: <em>\u00abno hay certeza de que regrese al vencimiento del visado\u00bb<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Medios insuficientes:<\/strong> En ocasiones, la denegaci\u00f3n se produce porque, pese al aval, no se han demostrado otros requisitos o la documentaci\u00f3n estaba incompleta.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una vez recibida la resoluci\u00f3n de denegaci\u00f3n (el acto oficial), debes actuar de inmediato para gestionar el aval.<\/p>\n\n\n\n<h3 class=\"gb-headline gb-headline-4d0914c6 gb-headline-text\"><strong>QU\u00c9 OCURRE CON EL AVAL?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si has contratado una p\u00f3liza con una entidad financiera o aseguradora pagando una prima (p. ej., 110 o 135 euros) sin bloquear dinero en cuenta, la situaci\u00f3n es diferente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfEst\u00e1 previsto el reembolso de la prima pagada?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Generalmente NO.<\/strong> Las condiciones contractuales son claras: <em>\u00aben caso de no concesi\u00f3n del visado NO podr\u00e1 haber [&#8230;] reembolso alguno de los costes incurridos\u00bb<\/em>. El motivo es t\u00e9cnico: la agencia ha prestado su servicio (emitir la garant\u00eda y asumir el riesgo). La decisi\u00f3n de la Embajada es ajena al asegurador.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La \u00abCl\u00e1usula de salvaguarda\u00bb: descuento del 50%<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sin embargo, analizando los contratos espec\u00edficos (como el de la Finanziaria Romana citado en las fuentes), existe una salida para quienes deseen volver a presentar la solicitud.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El <strong>Art\u00edculo 6<\/strong> de algunos contratos contempla la posibilidad de solicitar la emisi\u00f3n de un <strong>nuevo aval<\/strong> en condiciones ventajosas si el primer visado fue denegado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C\u00f3mo funciona la bonificaci\u00f3n:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Coste:<\/strong> Pagas solo el <strong>50%<\/strong> del precio inicial por la nueva p\u00f3liza.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Plazos:<\/strong> Debes solicitarlo en los <strong>30 d\u00edas<\/strong> siguientes a la fecha de inicio de la primera p\u00f3liza.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Documentos:<\/strong> Debes enviar el <strong>formulario oficial de denegaci\u00f3n<\/strong> (la resoluci\u00f3n de rechazo) expedido por la Embajada o el Consulado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Condici\u00f3n:<\/strong> El formulario de denegaci\u00f3n debe enviarse en un plazo de 15 d\u00edas desde la fecha en que fue expedido.<\/p>\n\n\n\n<h3 class=\"gb-headline gb-headline-72cfa24e gb-headline-text\"><strong>\u00bfPUEDO REUTILIZAR EL ANTIGUO AVAL?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Muchos usuarios preguntan: <em>\u00abTengo un aval ya contratado, el visado fue denegado o ha vencido, \u00bfpuedo usarlo para una nueva solicitud?\u00bb<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La respuesta es <strong>NO<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 La p\u00f3liza pierde su eficacia al vencimiento o si la entrada no se produce en los plazos previstos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 No es posible \u00abreciclar\u00bb el documento antiguo, ya sea en papel o digital, para una nueva solicitud con fechas de viaje distintas. Hay que contratar uno nuevo (aprovechando, si est\u00e1 previsto en el contrato, el descuento del 50%).<\/p>\n\n\n\n<h3 class=\"gb-headline gb-headline-e56fb62c gb-headline-text\"><strong>CHECKLIST: QU\u00c9 HACER JUSTO DESPU\u00c9S DE LA DENEGACI\u00d3N<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si el visado ha sido denegado, sigue este procedimiento paso a paso basado en las directrices contractuales:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1. <strong>Obt\u00e9n el formulario de denegaci\u00f3n:<\/strong> Pide al invitado que te env\u00ede de inmediato un escaneo legible del documento oficial de rechazo expedido por el Consulado. Debe constar la fecha y la firma.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. <strong>Verifica la fecha:<\/strong> Comprueba la fecha de la denegaci\u00f3n. Los plazos son estrechos (habitualmente 15 o 30 d\u00edas) para activar las cl\u00e1usulas de bonificaci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3. <strong>Contacta con la agencia\/financiera:<\/strong> Env\u00eda un correo certificado o un correo electr\u00f3nico certificado (PEC, seg\u00fan lo indicado en el Art. 7 de los contratos) junto con el formulario de denegaci\u00f3n para solicitar si es posible emitir una nueva p\u00f3liza a coste reducido.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4. <strong>Si deseas intentarlo de nuevo:<\/strong> Si tienes intenci\u00f3n de presentar una nueva solicitud, recuerda que deber\u00e1s cambiar las fechas. El nuevo aval deber\u00e1 cubrir el nuevo per\u00edodo de viaje solicitado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5. <strong>Si no deseas intentarlo de nuevo (banco):<\/strong> Si ten\u00edas un aval bancario, armate de paciencia. El dinero volver\u00e1 a la cuenta solo una vez transcurrido el per\u00edodo t\u00e9cnico de validez de la garant\u00eda (habitualmente 6 meses + 180 d\u00edas de seguridad).<\/p>\n\n\n\n<h2 class=\"gb-headline gb-headline-53357331 gb-headline-text\"><strong>ERRORES QUE NO SE DEBEN REPETIR EN LA NUEVA SOLICITUD<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si decides volver a presentar la solicitud y contratar el nuevo aval, aseg\u00farate de no cometer los errores que podr\u00edan haber causado el problema, verificando la conformidad con la <strong>Directiva del 1 de marzo de 2000<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Importe correcto:<\/strong> Verifica que la suma garantizada cubra exactamente los d\u00edas solicitados.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;\u25e6 1-5 giorni: <strong>269,60 euro<\/strong> (quota fissa)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;\u25e6 6-10 giorni: <strong>44,93 euro<\/strong> al giorno<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;\u25e6 11-20 giorni: <strong>51,64 euro<\/strong> (fissa) + <strong>36,67 euro<\/strong> al giorno<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;\u25e6 Oltre 20 giorni: <strong>206,58 euro<\/strong> (fissa) + <strong>27,89 euro<\/strong> al giorno.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Duraci\u00f3n coherente:<\/strong> Si solicitas 90 d\u00edas, el aval debe cubrir 90 d\u00edas. Recuerda que la duraci\u00f3n m\u00e1xima para turismo es de 90 d\u00edas.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1003_f834fe-45, .wp-block-kadence-advancedheading.kt-adv-heading1003_f834fe-45[data-kb-block=\"kb-adv-heading1003_f834fe-45\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1003_f834fe-45 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1003_f834fe-45[data-kb-block=\"kb-adv-heading1003_f834fe-45\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1003_f834fe-45 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1003_f834fe-45[data-kb-block=\"kb-adv-heading1003_f834fe-45\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading1003_f834fe-45 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1003_f834fe-45\"><strong>FAQ &#8211; PREGUNTAS FRECUENTES SOBRE LA DENEGACI\u00d3N<\/strong><\/h2>\n\n\n<div class=\"gb-container gb-container-e3d4f1ba gb-accordion\">\n<div class=\"gb-container gb-container-ff1a1431 gb-accordion__item gb-accordion__item-open\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-29607c40 gb-accordion__toggle gb-block-is-current\" id=\"gb-accordion-toggle-29607c40\"><span class=\"gb-button-text\"><strong><strong>\u00bfSe devuelve la prima del aval si el visado es denegado?<\/strong>\u00a0<\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-a570fd99\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-a570fd99\">\n\n<p class=\"wp-block-paragraph\"><strong>No,<\/strong> los contratos especifican que no hay reembolso porque el servicio de emisi\u00f3n ya se ha prestado y el riesgo ha sido asumido. La decisi\u00f3n sobre el visado es potestad de la Embajada.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-bdf6637b gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-1dda5f59 gb-accordion__toggle\" id=\"gb-accordion-toggle-1dda5f59\"><span class=\"gb-button-text\"><strong><strong>\u00bfPuedo recurrir contra la denegaci\u00f3n?<\/strong><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-3da91369\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-3da91369\">\n\n<p class=\"wp-block-paragraph\"> Las fuentes indican que es posible presentar una nueva solicitud de visado si las condiciones cambian o se aclaran, pero no detallan los procedimientos legales de recurso (tribunales administrativos) m\u00e1s all\u00e1 de la posibilidad de volver a presentar la solicitud con nueva documentaci\u00f3n.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-20d4cfb6 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-8b53d83b gb-accordion__toggle\" id=\"gb-accordion-toggle-8b53d83b\"><span class=\"gb-button-text\"><strong><strong>\u00bfCu\u00e1nto tiempo es v\u00e1lido mi aval bancario si no lo utilizo?<\/strong><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-aa9e1fad\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-aa9e1fad\">\n\n<p class=\"wp-block-paragraph\">El aval tiene habitualmente <strong>una vigencia de 6 meses.<\/strong> Si no se ejecuta (es decir, si el Estado no reclama el dinero), el dep\u00f3sito bancario se desbloquea despu\u00e9s de un per\u00edodo de seguridad que puede llegar al doble de la duraci\u00f3n de la garant\u00eda.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-606251c9 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-106525db gb-accordion__toggle\" id=\"gb-accordion-toggle-106525db\"><span class=\"gb-button-text\"><strong><strong>\u00bfQu\u00e9 debo enviar para obtener el descuento en la nueva p\u00f3liza?<\/strong><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-8fb7bf5b\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-8fb7bf5b\">\n\n<p class=\"wp-block-paragraph\">Debes enviar el \u00abformulario oficial de denegaci\u00f3n\u00bb fechado y firmado por el organismo competente (Consulado\/Embajada) en un plazo de 15 d\u00edas desde su expedici\u00f3n, junto con la solicitud de emisi\u00f3n del nuevo aval.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-9d69a715 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-3e6085d2 gb-accordion__toggle\" id=\"gb-accordion-toggle-3e6085d2\"><span class=\"gb-button-text\"><strong><strong>\u00bfEl seguro m\u00e9dico sigue siendo necesario si el visado es denegado?<\/strong><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"><\/path><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-381c666d\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-381c666d\">\n\n<p class=\"wp-block-paragraph\">No, el seguro m\u00e9dico sirve para los gastos m\u00e9dicos durante la estancia. Si la estancia no tiene lugar, la p\u00f3liza no es necesaria, pero tambi\u00e9n en este caso el reembolso de la prima depende de las cl\u00e1usulas espec\u00edficas de la compa\u00f1\u00eda (habitualmente no reembolsable, como el aval).<\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-9fb0c703\">\n\n<p class=\"has-text-align-left wp-block-paragraph\"><strong>DOCUMENTOS<\/strong><\/p>\n\n\n<div class=\"gb-grid-wrapper gb-grid-wrapper-b9745ecb\">\n<div class=\"gb-grid-column gb-grid-column-a921b048\"><div class=\"gb-container gb-container-a921b048\">\n\n<p class=\"gb-headline gb-headline-7d98d9fc\"><span class=\"gb-icon\"><svg viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M208 48L96 48c-8.8 0-16 7.2-16 16l0 384c0 8.8 7.2 16 16 16l80 0 0 48-80 0c-35.3 0-64-28.7-64-64L32 64C32 28.7 60.7 0 96 0L229.5 0c17 0 33.3 6.7 45.3 18.7L397.3 141.3c12 12 18.7 28.3 18.7 45.3l0 149.5-48 0 0-128-88 0c-39.8 0-72-32.2-72-72l0-88zM348.1 160L256 67.9 256 136c0 13.3 10.7 24 24 24l68.1 0zM240 380l32 0c33.1 0 60 26.9 60 60s-26.9 60-60 60l-12 0 0 28c0 11-9 20-20 20s-20-9-20-20l0-128c0-11 9-20 20-20zm32 80c11 0 20-9 20-20s-9-20-20-20l-12 0 0 40 12 0zm96-80l32 0c28.7 0 52 23.3 52 52l0 64c0 28.7-23.3 52-52 52l-32 0c-11 0-20-9-20-20l0-128c0-11 9-20 20-20zm32 128c6.6 0 12-5.4 12-12l0-64c0-6.6-5.4-12-12-12l-12 0 0 88 12 0zm76-108c0-11 9-20 20-20l48 0c11 0 20 9 20 20s-9 20-20 20l-28 0 0 24 28 0c11 0 20 9 20 20s-9 20-20 20l-28 0 0 44c0 11-9 20-20 20s-20-9-20-20l0-128z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.italiafideiussioni.it\/wp-content\/uploads\/2021\/05\/Diritti-del-Cliente-Finanziaria-Romana.pdf\">Derechos del cliente<\/a><\/span><\/p>\n\n\n\n<p class=\"gb-headline gb-headline-0c25116b\"><span class=\"gb-icon\"><svg viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M208 48L96 48c-8.8 0-16 7.2-16 16l0 384c0 8.8 7.2 16 16 16l80 0 0 48-80 0c-35.3 0-64-28.7-64-64L32 64C32 28.7 60.7 0 96 0L229.5 0c17 0 33.3 6.7 45.3 18.7L397.3 141.3c12 12 18.7 28.3 18.7 45.3l0 149.5-48 0 0-128-88 0c-39.8 0-72-32.2-72-72l0-88zM348.1 160L256 67.9 256 136c0 13.3 10.7 24 24 24l68.1 0zM240 380l32 0c33.1 0 60 26.9 60 60s-26.9 60-60 60l-12 0 0 28c0 11-9 20-20 20s-20-9-20-20l0-128c0-11 9-20 20-20zm32 80c11 0 20-9 20-20s-9-20-20-20l-12 0 0 40 12 0zm96-80l32 0c28.7 0 52 23.3 52 52l0 64c0 28.7-23.3 52-52 52l-32 0c-11 0-20-9-20-20l0-128c0-11 9-20 20-20zm32 128c6.6 0 12-5.4 12-12l0-64c0-6.6-5.4-12-12-12l-12 0 0 88 12 0zm76-108c0-11 9-20 20-20l48 0c11 0 20 9 20 20s-9 20-20 20l-28 0 0 24 28 0c11 0 20 9 20 20s-9 20-20 20l-28 0 0 44c0 11-9 20-20 20s-20-9-20-20l0-128z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.italiafideiussioni.it\/wp-content\/uploads\/2021\/05\/Contratto-Fideiussione-Visto-Turismo.pdf\">Contrato aval visado de turismo<\/a><\/span><\/p>\n\n\n\n<p class=\"gb-headline gb-headline-5a5ec962\"><span class=\"gb-icon\"><svg viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M208 48L96 48c-8.8 0-16 7.2-16 16l0 384c0 8.8 7.2 16 16 16l80 0 0 48-80 0c-35.3 0-64-28.7-64-64L32 64C32 28.7 60.7 0 96 0L229.5 0c17 0 33.3 6.7 45.3 18.7L397.3 141.3c12 12 18.7 28.3 18.7 45.3l0 149.5-48 0 0-128-88 0c-39.8 0-72-32.2-72-72l0-88zM348.1 160L256 67.9 256 136c0 13.3 10.7 24 24 24l68.1 0zM240 380l32 0c33.1 0 60 26.9 60 60s-26.9 60-60 60l-12 0 0 28c0 11-9 20-20 20s-20-9-20-20l0-128c0-11 9-20 20-20zm32 80c11 0 20-9 20-20s-9-20-20-20l-12 0 0 40 12 0zm96-80l32 0c28.7 0 52 23.3 52 52l0 64c0 28.7-23.3 52-52 52l-32 0c-11 0-20-9-20-20l0-128c0-11 9-20 20-20zm32 128c6.6 0 12-5.4 12-12l0-64c0-6.6-5.4-12-12-12l-12 0 0 88 12 0zm76-108c0-11 9-20 20-20l48 0c11 0 20 9 20 20s-9 20-20 20l-28 0 0 24 28 0c11 0 20 9 20 20s-9 20-20 20l-28 0 0 44c0 11-9 20-20 20s-20-9-20-20l0-128z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.italiafideiussioni.it\/wp-content\/uploads\/2021\/05\/GUIDA-ARBITRATO-BANCARIO-F_FIRO.pdf\">Gu\u00eda de arbitraje bancario<\/a><\/span><\/p>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-5b4ec30e\"><div class=\"gb-container gb-container-5b4ec30e\">\n\n<p class=\"gb-headline gb-headline-0429a450\"><span class=\"gb-icon\"><svg viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M208 48L96 48c-8.8 0-16 7.2-16 16l0 384c0 8.8 7.2 16 16 16l80 0 0 48-80 0c-35.3 0-64-28.7-64-64L32 64C32 28.7 60.7 0 96 0L229.5 0c17 0 33.3 6.7 45.3 18.7L397.3 141.3c12 12 18.7 28.3 18.7 45.3l0 149.5-48 0 0-128-88 0c-39.8 0-72-32.2-72-72l0-88zM348.1 160L256 67.9 256 136c0 13.3 10.7 24 24 24l68.1 0zM240 380l32 0c33.1 0 60 26.9 60 60s-26.9 60-60 60l-12 0 0 28c0 11-9 20-20 20s-20-9-20-20l0-128c0-11 9-20 20-20zm32 80c11 0 20-9 20-20s-9-20-20-20l-12 0 0 40 12 0zm96-80l32 0c28.7 0 52 23.3 52 52l0 64c0 28.7-23.3 52-52 52l-32 0c-11 0-20-9-20-20l0-128c0-11 9-20 20-20zm32 128c6.6 0 12-5.4 12-12l0-64c0-6.6-5.4-12-12-12l-12 0 0 88 12 0zm76-108c0-11 9-20 20-20l48 0c11 0 20 9 20 20s-9 20-20 20l-28 0 0 24 28 0c11 0 20 9 20 20s-9 20-20 20l-28 0 0 44c0 11-9 20-20 20s-20-9-20-20l0-128z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><a href=\"https:\/\/www.italiafideiussioni.it\/wp-content\/uploads\/2021\/05\/Informativa-Privacy-Finanziaria-Romana03-2019.pdf\">Pol\u00edtica de privacidad<\/a><\/span><\/p>\n\n\n\n<p class=\"gb-headline gb-headline-e88d122c\"><span class=\"gb-icon\"><svg viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M208 48L96 48c-8.8 0-16 7.2-16 16l0 384c0 8.8 7.2 16 16 16l80 0 0 48-80 0c-35.3 0-64-28.7-64-64L32 64C32 28.7 60.7 0 96 0L229.5 0c17 0 33.3 6.7 45.3 18.7L397.3 141.3c12 12 18.7 28.3 18.7 45.3l0 149.5-48 0 0-128-88 0c-39.8 0-72-32.2-72-72l0-88zM348.1 160L256 67.9 256 136c0 13.3 10.7 24 24 24l68.1 0zM240 380l32 0c33.1 0 60 26.9 60 60s-26.9 60-60 60l-12 0 0 28c0 11-9 20-20 20s-20-9-20-20l0-128c0-11 9-20 20-20zm32 80c11 0 20-9 20-20s-9-20-20-20l-12 0 0 40 12 0zm96-80l32 0c28.7 0 52 23.3 52 52l0 64c0 28.7-23.3 52-52 52l-32 0c-11 0-20-9-20-20l0-128c0-11 9-20 20-20zm32 128c6.6 0 12-5.4 12-12l0-64c0-6.6-5.4-12-12-12l-12 0 0 88 12 0zm76-108c0-11 9-20 20-20l48 0c11 0 20 9 20 20s-9 20-20 20l-28 0 0 24 28 0c11 0 20 9 20 20s-9 20-20 20l-28 0 0 44c0 11-9 20-20 20s-20-9-20-20l0-128z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">\u00a0<a href=\"https:\/\/www.italiafideiussioni.it\/wp-content\/uploads\/2022\/05\/3_148_FI-per-Agenti_-Ingresso-cittadini-extra-UE-n.-25.2_-dal-01.01.201.pdf\">Foglio informativo<\/a><\/span><\/p>\n\n\n\n<p class=\"gb-headline gb-headline-8567f1eb\"><span class=\"gb-icon\"><svg viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M419.5 96c-16.6 0-32.7 4.5-46.8 12.7-15.8-16-34.2-29.4-54.5-39.5 28.2-24 64.1-37.2 101.3-37.2 86.4 0 156.5 70 156.5 156.5 0 41.5-16.5 81.3-45.8 110.6l-71.1 71.1c-29.3 29.3-69.1 45.8-110.6 45.8-86.4 0-156.5-70-156.5-156.5 0-1.5 0-3 .1-4.5 .5-17.7 15.2-31.6 32.9-31.1s31.6 15.2 31.1 32.9c0 .9 0 1.8 0 2.6 0 51.1 41.4 92.5 92.5 92.5 24.5 0 48-9.7 65.4-27.1l71.1-71.1c17.3-17.3 27.1-40.9 27.1-65.4 0-51.1-41.4-92.5-92.5-92.5zM275.2 173.3c-1.9-.8-3.8-1.9-5.5-3.1-12.6-6.5-27-10.2-42.1-10.2-24.5 0-48 9.7-65.4 27.1L91.1 258.2c-17.3 17.3-27.1 40.9-27.1 65.4 0 51.1 41.4 92.5 92.5 92.5 16.5 0 32.6-4.4 46.7-12.6 15.8 16 34.2 29.4 54.6 39.5-28.2 23.9-64 37.2-101.3 37.2-86.4 0-156.5-70-156.5-156.5 0-41.5 16.5-81.3 45.8-110.6l71.1-71.1c29.3-29.3 69.1-45.8 110.6-45.8 86.6 0 156.5 70.6 156.5 156.9 0 1.3 0 2.6 0 3.9-.4 17.7-15.1 31.6-32.8 31.2s-31.6-15.1-31.2-32.8c0-.8 0-1.5 0-2.3 0-33.7-18-63.3-44.8-79.6z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">\u00a0<a href=\"https:\/\/www.bancaditalia.it\/compiti\/vigilanza\/compiti-vigilanza\/tegm\/index.html\">Tasas globales medias efectivas (TEGM)<\/a><\/span><\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El aval bancario para visado tur\u00edstico es un documento oficial indispensable para quienes desean acoger a un ciudadano extranjero en Italia. No es una mera formalidad:\u00a0 es una garant\u00eda econ\u00f3mica exigida por la ley (Directiva del Ministerio del Interior del 1\/3\/2000) que sirve para demostrar a la Embajada que el invitado dispone del dinero necesario &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Aval bancario para visado tur\u00edstico: \u00bfqu\u00e9 dice el texto de la garant\u00eda?\" class=\"read-more button\" href=\"https:\/\/www.vistoperitalia.it\/es\/aval-bancario-visado-turistico-texto-garantia\/#more-11754\" aria-label=\"Leer m\u00e1s sobre Aval bancario para visado tur\u00edstico: \u00bfqu\u00e9 dice el texto de la garant\u00eda?\">Leggi tutto<\/a><\/p>\n","protected":false},"author":2,"featured_media":862,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","footnotes":""},"categories":[3,1],"tags":[],"class_list":["post-11754","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fideiussioni","category-notizie-sui-visti-per-italia"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Texto aval visado tur\u00edstico Italia: cl\u00e1usulas obligatorias<\/title>\n<meta name=\"description\" content=\"Aval bancario para visado tur\u00edstico en Italia: cl\u00e1usulas obligatorias del texto, c\u00e1lculo del importe y errores que evitar para obtener el visado.\" \/>\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.vistoperitalia.it\/es\/aval-bancario-visado-turistico-texto-garantia\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Texto aval visado tur\u00edstico Italia: cl\u00e1usulas obligatorias\" \/>\n<meta property=\"og:description\" content=\"Aval bancario para visado tur\u00edstico en Italia: cl\u00e1usulas obligatorias del texto, c\u00e1lculo del importe y errores que evitar para obtener el visado.\" \/>\n<meta property=\"og:url\" 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class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.vistoperitalia.it\\\/es\\\/aval-bancario-visado-turistico-texto-garantia\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.vistoperitalia.it\\\/es\\\/aval-bancario-visado-turistico-texto-garantia\\\/\"},\"author\":{\"name\":\"vistoperitalia\",\"@id\":\"https:\\\/\\\/www.vistoperitalia.it\\\/es\\\/#\\\/schema\\\/person\\\/b3cff18e9141b102d8c6819c6c86ada8\"},\"headline\":\"Aval bancario para visado tur\u00edstico: \u00bfqu\u00e9 dice el texto de la 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