{"id":11564,"date":"2022-12-15T13:37:09","date_gmt":"2022-12-15T12:37:09","guid":{"rendered":"https:\/\/www.vistoperitalia.it\/?p=11564"},"modified":"2022-12-15T13:37:09","modified_gmt":"2022-12-15T12:37:09","slug":"texte-garantie-bancaire-visa-touristique-italie","status":"publish","type":"post","link":"https:\/\/www.vistoperitalia.it\/fr\/texte-garantie-bancaire-visa-touristique-italie\/","title":{"rendered":"Garantie Bancaire pour Visa Touristique : que dit le texte de la garantie ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La <strong>garantie bancaire (fideiussione) pour visa touristique<\/strong> est un document officiel indispensable pour qui veut h\u00e9berger un citoyen \u00e9tranger en Italie. Ce n&rsquo;est pas une simple formalit\u00e9 :&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">c&rsquo;est une garantie \u00e9conomique exig\u00e9e par la loi <a href=\"https:\/\/www.gazzettaufficiale.it\/atto\/serie_generale\/caricaDettaglioAtto\/originario?atto.dataPubblicazioneGazzetta=2000-03-17&amp;atto.codiceRedazionale=000A3095&amp;elenco30giorni=false\"><strong>(Direttiva del Ministero dell&rsquo;Interno du 1\/3\/2000 \u2014 Directive du Minist\u00e8re de l&rsquo;Int\u00e9rieur)<\/strong><\/a> qui sert \u00e0 prouver \u00e0 l&rsquo;Ambassade que l&rsquo;invit\u00e9 dispose des fonds n\u00e9cessaires pour vivre en Italie sans peser sur l&rsquo;\u00c9tat.&nbsp;<\/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>Comprendre ce qui est \u00e9crit dans le texte de la garantie est fondamental : une erreur dans les clauses ou dans le montant peut entra\u00eener le refus imm\u00e9diat du Visa.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>QU&rsquo;EST-CE QUE LA GARANTIE BANCAIRE POUR VISA TOURISTIQUE<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginez que vous invitiez un ami \u00e0 d\u00eener. S&rsquo;il oublie son portefeuille, vous vous portez garant pour lui et vous r\u00e9glez l&rsquo;addition. La <strong>garantie bancaire pour visa touristique<\/strong> fonctionne exactement de la m\u00eame mani\u00e8re, mais \u00e0 plus grande \u00e9chelle et avec des r\u00e8gles pr\u00e9cises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&rsquo;est un contrat par lequel une personne qui vit en Italie (appel\u00e9e \u00ab Contractant \u00bb ou \u00ab Sponsor \u00bb) s&rsquo;engage \u00e0 se porter garante \u00e9conomiquement pour un citoyen \u00e9tranger (appel\u00e9 \u00ab B\u00e9n\u00e9ficiaire \u00bb) qui souhaite venir en Italie pour le tourisme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u00c0 quoi sert-elle exactement ?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&rsquo;\u00c9tat italien veut \u00eatre s\u00fbr d&rsquo;une chose : que la personne qui entre en Italie ait les moyens de manger, de dormir et de voyager. Si l&rsquo;\u00e9tranger ne dispose pas de cet argent, l&rsquo;Ambassade ne lui accorde pas le visa.<strong> La Garantie Bancaire est la garantie que le citoyen \u00e9tranger dispose en Italie des moyens n\u00e9cessaires pour y s\u00e9journer<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Qui doit la faire ?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ce n&rsquo;est pas l&rsquo;\u00e9tranger qui vit \u00e0 l&rsquo;\u00e9tranger qui la fait. C&rsquo;est celui qui l&rsquo;invite en Italie qui doit la demander. Peuvent la faire :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un <strong>citoyen italien<\/strong>.<\/li>\n\n\n\n<li>Un <strong>citoyen \u00e9tranger<\/strong> qui vit en Italie avec un titre de s\u00e9jour (permesso di soggiorno) en r\u00e8gle.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Avec notre service, <strong>vous obtenez <\/strong><a href=\"https:\/\/www.vistoperitalia.it\/fr\/?page_id=11675\"><strong>la Garantie Bancaire<\/strong><\/a><strong> et <\/strong><a href=\"https:\/\/www.vistoperitalia.it\/fr\/?page_id=11700\"><strong>la Police Sant\u00e9&nbsp; <\/strong><\/a><strong>en quelques \u00e9tapes<\/strong>, sans devoir ouvrir de compte courant et <strong>sans d\u00e9poser d&rsquo;argent \u00e0 la banque.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Appelez tout de suite, nos conseillers sont pr\u00eats \u00e0 r\u00e9pondre gratuitement \u00e0 toutes vos questions :<\/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 ul.kt-svg-icon-list{grid-row-gap:12px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items588_f1dd92-00 .kb-svg-icon-wrap{font-size:25px;}.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:var(--global-kb-font-size-md, 1.25rem);line-height:1.5em;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items588_f1dd92-00 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-588_736a65-c0 .kt-svg-icon-list-single{font-size:25px !important;color:var(--global-color-8) !important;}.kt-svg-icon-list-item-588_736a65-c0 .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_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: 800px) 100vw, 800px\" \/><\/figure>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-78c2d852\"><div class=\"gb-container gb-container-78c2d852\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading8413_a8fdad-5c, .wp-block-kadence-advancedheading.kt-adv-heading8413_a8fdad-5c[data-kb-block=\"kb-adv-heading8413_a8fdad-5c\"]{padding-top:var(--global-kb-spacing-xs, 1rem);text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading8413_a8fdad-5c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading8413_a8fdad-5c[data-kb-block=\"kb-adv-heading8413_a8fdad-5c\"] 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>CE QUE DOIT CONTENIR LE TEXTE DE LA GARANTIE<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le texte de la garantie n&rsquo;est pas libre.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il doit suivre des r\u00e8gles pr\u00e9cises \u00e9tablies par la loi. S&rsquo;il manque un \u00e9l\u00e9ment, le document n&rsquo;est pas valable. Analysons les parties techniques du contrat en nous appuyant sur les documents officiels.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Les R\u00e9f\u00e9rences de loi (Le pr\u00e9ambule)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le texte doit commencer par citer les bonnes lois. Il ne suffit pas de dire \u00ab je me porte garant pour lui \u00bb. Le contrat doit citer explicitement :<\/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\">L&rsquo;<strong>Article 4 du Texte Unique sur l&rsquo;Immigration<\/strong> (D.Lgs. 286\/98 \u2014 D\u00e9cret l\u00e9gislatif 286\/98)<\/a> : c&rsquo;est la loi qui oblige \u00e0 prouver les moyens de subsistance.<\/li>\n\n\n\n<li>La <strong>Directive du Minist\u00e8re de l&rsquo;Int\u00e9rieur du 1er Mars 2000<\/strong> : c&rsquo;est la r\u00e8gle qui \u00e9tablit le montant exact requis.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Qui sont les protagonistes<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le texte doit identifier clairement trois figures :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Le Contractant :<\/strong> celui qui fait l&rsquo;invitation. Doivent y figurer le nom, le pr\u00e9nom, le code fiscal (codice fiscale) et l&rsquo;adresse.<\/li>\n\n\n\n<li><strong>Le B\u00e9n\u00e9ficiaire (Personne garantie) :<\/strong> l&rsquo;\u00e9tranger qui arrive. Il faut indiquer le nom, le pr\u00e9nom, la date de naissance, la nationalit\u00e9 et surtout le <strong>num\u00e9ro de passeport<\/strong>.<\/li>\n\n\n\n<li><strong>Le Garant (Fideiussore) :<\/strong> la Banque ou la Soci\u00e9t\u00e9 financi\u00e8re qui signe le document et poss\u00e8de l&rsquo;autorisation de la Banque d&rsquo;Italie.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. L&rsquo;Objet de la Garantie<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C&rsquo;est la partie centrale. <strong>Le texte doit indiquer que la soci\u00e9t\u00e9 garantit au B\u00e9n\u00e9ficiaire le paiement des sommes n\u00e9cessaires \u00e0 sa subsistance en Italie, jusqu&rsquo;\u00e0 un montant maximal \u00e9tabli. En pratique, on \u00e9crit que si le Contractant ne paie pas les frais de l&rsquo;invit\u00e9, la garantie intervient.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. La Dur\u00e9e (Attention ici !)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le texte figurent deux dates diff\u00e9rentes qu&rsquo;il ne faut pas confondre :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dur\u00e9e de la garantie :<\/strong> c&rsquo;est la p\u00e9riode pendant laquelle le contrat est valable (souvent 6 mois).<\/li>\n\n\n\n<li><strong>Dur\u00e9e du s\u00e9jour :<\/strong> c&rsquo;est la p\u00e9riode effective pendant laquelle l&rsquo;invit\u00e9 restera en Italie <strong>(maximum 90 jours pour le tourisme).<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le texte doit pr\u00e9ciser que la couverture vaut pour les jours de pr\u00e9sence effective (ex. 90 jours) \u00e0 partir du moment o\u00f9 l&rsquo;\u00e9tranger entre en Italie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>POURQUOI LE TEXTE EST-IL SI IMPORTANT<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">On ne peut pas \u00e9crire une lettre \u00e0 la main sur une feuille de papier. Le Consulat ou l&rsquo;Ambassade contr\u00f4lent chaque virgule.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>V\u00e9rification de la formulation :<\/strong> les fonctionnaires consulaires savent que la loi exige des r\u00e9f\u00e9rences sp\u00e9cifiques (comme la Directive de 2000). Si le texte de votre garantie ne cite pas ces lois, ils pensent que le document est faux ou inutile.<\/li>\n\n\n\n<li><strong>Le risque de refus :<\/strong> si le texte ne garantit pas clairement les moyens de subsistance, le Visa est refus\u00e9 avec la motivation : \u00ab ne dispose pas de moyens de subsistance suffisants \u00bb.<\/li>\n\n\n\n<li><strong>Diff\u00e9rence entre conforme et g\u00e9n\u00e9rique :<\/strong> un texte g\u00e9n\u00e9rique dit \u00ab je me porte garant pour mon ami \u00bb. Un texte conforme dit \u00ab Je me constitue garant au sens de l&rsquo;art. 4 T.U. 286\/98 pour le montant pr\u00e9vu par le Tableau A \u00bb. Seul le second est accept\u00e9.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>MONTANT DE LA GARANTIE : COMMENT LE CALCULER<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vous ne pouvez pas d\u00e9cider vous-m\u00eame du montant \u00e0 inscrire dans le texte. Le montant est fix\u00e9 par la loi en fonction de la dur\u00e9e du s\u00e9jour de l&rsquo;invit\u00e9 en Italie. Le tableau de r\u00e9f\u00e9rence est celui du Minist\u00e8re de l&rsquo;Int\u00e9rieur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici comment se calcule le montant (chiffres indicatifs bas\u00e9s sur la directive) :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>De 1 \u00e0 5 jours :<\/strong> une somme fixe de <strong>269,60 euros<\/strong> au total est requise.<\/li>\n\n\n\n<li><strong>De 6 \u00e0 10 jours :<\/strong> <strong>44,93 euros<\/strong> par jour sont requis.<\/li>\n\n\n\n<li><strong>De 11 \u00e0 20 jours :<\/strong> une somme fixe de <strong>51,64 euros<\/strong> + <strong>36,67 euros<\/strong> par jour est requise.<\/li>\n\n\n\n<li><strong>Au-del\u00e0 de 20 jours :<\/strong> une somme fixe de <strong>206,58 euros<\/strong> + <strong>27,89 euros<\/strong> par jour est requise.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple pratique pour 90 jours (le cas classique) :<\/strong> pour un visa touristique standard de 3 mois (90 jours), le montant g\u00e9n\u00e9ralement utilis\u00e9 est d&rsquo;environ <strong>3 905 euros<\/strong>. C&rsquo;est le chiffre magique qui doit figurer dans le texte de la garantie pour \u00eatre tranquille.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>ERREURS COURANTES DANS LE TEXTE DE LA GARANTIE<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame si vous payez, si le texte est erron\u00e9, le Visa n&rsquo;arrive pas. Voici les erreurs que beaucoup commettent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Montant erron\u00e9 :<\/strong> inscrire un chiffre inf\u00e9rieur \u00e0 celui requis par le tableau minist\u00e9riel. Si l&rsquo;invit\u00e9 reste 90 jours mais que vous ne garantissez que 1 000 euros, le visa est refus\u00e9.<\/li>\n\n\n\n<li><strong>Dur\u00e9e incoh\u00e9rente :<\/strong> la garantie doit couvrir <em>toute<\/em> la p\u00e9riode. Si l&rsquo;invitation est pour 90 jours, la garantie ne peut pas durer 30 jours.<\/li>\n\n\n\n<li><strong>Absence de signature du b\u00e9n\u00e9ficiaire :<\/strong> certains contrats exigent la signature ou les donn\u00e9es pr\u00e9cises du passeport. Si le num\u00e9ro de passeport est erron\u00e9 dans le texte, le document n&rsquo;est pas valable.<\/li>\n\n\n\n<li><strong>Confusion entre Garantie et Assurance sant\u00e9 :<\/strong> ce sont deux choses diff\u00e9rentes ! La garantie assure les fonds pour vivre. L&rsquo;assurance sant\u00e9 couvre les frais m\u00e9dicaux (30 000 euros). Il faut <strong>les deux<\/strong>, pas une seule.<\/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>COMMENT OBTENIR UNE GARANTIE AVEC UN TEXTE CONFORME<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour ne pas se tromper sur le texte, la meilleure solution est de s&rsquo;adresser \u00e0 des soci\u00e9t\u00e9s sp\u00e9cialis\u00e9es qui utilisent des mod\u00e8les d\u00e9j\u00e0 approuv\u00e9s par les Ambassades.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Pr\u00e9parez les documents :<\/strong> il vous faudra vos documents (carte d&rsquo;identit\u00e9, code fiscal), votre justificatif de revenu (bulletin de salaire ou d\u00e9claration Unico) et la copie du passeport de l&rsquo;invit\u00e9.<\/li>\n\n\n\n<li><strong>Choisissez l&rsquo;organisme :<\/strong> vous pouvez aller \u00e0 la banque (si vous voulez bloquer l&rsquo;argent) ou vous adresser \u00e0 un interm\u00e9diaire d&rsquo;assurance sp\u00e9cialis\u00e9 (pour ne payer que la prime sans bloquer de capitaux).<\/li>\n\n\n\n<li><strong>R\u00e9ception rapide :<\/strong> de nombreux services en ligne permettent de recevoir le document sign\u00e9 num\u00e9riquement par e-mail en 24\/48 heures.<\/li>\n\n\n\n<li><strong>Signature num\u00e9rique :<\/strong> les documents modernes arrivent avec une signature num\u00e9rique, pr\u00eats \u00e0 \u00eatre imprim\u00e9s et apport\u00e9s au Consulat.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Chez <a href=\"http:\/\/www.vistoperitalia.it\/fr\/\">vistoperitalia.it<\/a>, nous travaillons depuis des ann\u00e9es avec <a href=\"https:\/\/www.italiafideiussioni.it\/mandato-diretto-finanziaria-romana-spa\/\"><strong>la Finanziaria Romana Spa<\/strong><\/a>, soci\u00e9t\u00e9 autoris\u00e9e par la Banque d&rsquo;Italie \u00e0 \u00e9mettre des garanties et cautions aupr\u00e8s du public.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>FAQ (QUESTIONS R\u00c9ELLES)<\/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>Combien de temps dure la garantie ?<\/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 garantie a g\u00e9n\u00e9ralement une validit\u00e9 de 6 mois ou 1 an \u00e0 compter de la date d&rsquo;\u00e9mission, mais elle couvre effectivement la p\u00e9riode de s\u00e9jour de l&rsquo;invit\u00e9 (ex. maximum 90 jours) \u00e0 l&rsquo;int\u00e9rieur de ce laps de temps.<\/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> Que signifie \u00ab b\u00e9n\u00e9fice de discussion pr\u00e9alable \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\">C&rsquo;est une formule technique pr\u00e9sente dans le contrat. Elle signifie que, en cas de dette, le cr\u00e9ancier doit d&rsquo;abord essayer de demander l&rsquo;argent \u00e0 celui qui a fait l&rsquo;invitation (le Contractant). Ce n&rsquo;est que s&rsquo;il ne paie pas que la Garantie intervient.<\/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>Est-elle remboursable si le Visa est refus\u00e9 ?<\/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>Non.<\/strong> La prime pay\u00e9e pour la garantie (dans le cas des assurances\/soci\u00e9t\u00e9s financi\u00e8res) n&rsquo;est pas rembours\u00e9e car le service d&rsquo;\u00e9mission a \u00e9t\u00e9 rendu, ind\u00e9pendamment de la d\u00e9cision de l&rsquo;Ambassade.<\/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>Puis-je utiliser la m\u00eame garantie pour plusieurs voyages ?<\/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\">Oui, si la garantie est valable 6 mois ou 1 an et pr\u00e9voit des entr\u00e9es multiples, vous pouvez l&rsquo;utiliser pour entrer et sortir plusieurs fois, \u00e0 condition de ne pas d\u00e9passer le total des jours garantis (ex. 90 jours au 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>L&rsquo;assurance sant\u00e9 est-elle comprise dans le texte de la garantie ?<\/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\">Non. Ce sont deux documents distincts. <a href=\"https:\/\/www.vistoperitalia.it\/fr\/?page_id=11715\"><strong>La garantie assure les moyens de subsistance.<\/strong><\/a> <a href=\"https:\/\/www.vistoperitalia.it\/fr\/?page_id=11719\"><strong>L&rsquo;assurance sant\u00e9 doit garantir 30 000 euros<\/strong><\/a> pour les frais m\u00e9dicaux urgents. Vous devez faire les deux.<\/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>Combien co\u00fbte une garantie assurantielle ?<\/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\">Le co\u00fbt varie, mais chez <a href=\"http:\/\/divistoperitalia.it\">vistoperitalia.it<\/a>, <strong>il est de 110,00 euros pour 30 jours.<\/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>Que se passe-t-il si je n&rsquo;ai pas de bulletin de salaire ?<\/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 le Contractant n&rsquo;a pas de revenu justifiable, une tierce personne peut intervenir comme \u00ab Garant \u00bb (un membre de la famille ou un ami disposant d&rsquo;un revenu) qui signe les documents pour appuyer la demande.<\/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>Ce d\u00e9cret vaut-il aussi pour les citoyens europ\u00e9ens ?<\/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\">Non, le Decreto Flussi (d\u00e9cret annuel italien fixant les quotas d&rsquo;entr\u00e9e de travailleurs \u00e9trangers) s&rsquo;adresse sp\u00e9cifiquement aux travailleurs non communautaires, c&rsquo;est-\u00e0-dire aux citoyens provenant de pays hors de l&rsquo;Union europ\u00e9enne. Les citoyens europ\u00e9ens disposent d\u00e9j\u00e0 de la libert\u00e9 de circuler et de travailler au sein de l&rsquo;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>Le texte de la garantie doit-il \u00eatre en 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\">Les Ambassades exigent des documents sign\u00e9s num\u00e9riquement. De nombreuses agences envoient le fichier avec une signature num\u00e9rique qui a valeur l\u00e9gale et peut \u00eatre imprim\u00e9.<\/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>Puis-je faire la garantie directement en Russie ou dans le pays de l&rsquo;invit\u00e9 ?<\/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\">Non, la garantie pour l&rsquo;invitation <strong>doit \u00eatre souscrite en Italie par celui qui invite<\/strong> (le citoyen italien ou r\u00e9sident) aupr\u00e8s d&rsquo;un organisme autoris\u00e9 \u00e0 op\u00e9rer en Italie.<\/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>La garantie sert-elle aussi pour le Visa \u00c9tudes ?<\/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\">Oui. Pour le visa \u00e9tudes aussi, il faut prouver les moyens de subsistance. Le texte et le montant changent l\u00e9g\u00e8rement (validit\u00e9 souvent de 12 mois pour l&rsquo;ann\u00e9e scolaire).<\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<p class=\"gb-headline gb-headline-ee48baa2 gb-headline-text\">Avec notre service, <strong>vous obtenez <\/strong><a href=\"https:\/\/www.vistoperitalia.it\/fr\/?page_id=11675\"><strong>la Garantie Bancaire<\/strong><\/a><strong> et <\/strong><a href=\"https:\/\/www.vistoperitalia.it\/fr\/?page_id=11700\"><strong>la Police Sant\u00e9&nbsp; <\/strong><\/a><strong>en quelques \u00e9tapes<\/strong>, sans devoir ouvrir de compte courant et <strong>sans d\u00e9poser d&rsquo;argent \u00e0 la banque.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Appelez tout de suite, nos conseillers sont pr\u00eats \u00e0 r\u00e9pondre gratuitement \u00e0 toutes vos questions :<\/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 ul.kt-svg-icon-list{grid-row-gap:12px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items588_f1dd92-00 .kb-svg-icon-wrap{font-size:25px;}.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:var(--global-kb-font-size-md, 1.25rem);line-height:1.5em;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items588_f1dd92-00 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-588_736a65-c0 .kt-svg-icon-list-single{font-size:25px !important;color:var(--global-color-8) !important;}.kt-svg-icon-list-item-588_736a65-c0 .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_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: 800px) 100vw, 800px\" \/><\/figure>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-78c2d852\"><div class=\"gb-container gb-container-78c2d852\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading8413_a8fdad-5c, .wp-block-kadence-advancedheading.kt-adv-heading8413_a8fdad-5c[data-kb-block=\"kb-adv-heading8413_a8fdad-5c\"]{padding-top:var(--global-kb-spacing-xs, 1rem);text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading8413_a8fdad-5c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading8413_a8fdad-5c[data-kb-block=\"kb-adv-heading8413_a8fdad-5c\"] 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=\"gb-headline gb-headline-ba93ab85 gb-headline-text\">Que faire si le visa touristique est refus\u00e9 ? Gestion de la Garantie et Nouvelle Demande<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Recevoir un \u00ab Non \u00bb de l&rsquo;Ambassade ou du Consulat est un moment difficile. Vous avez pr\u00e9par\u00e9 les documents, vous avez pay\u00e9 la garantie, vous avez attendu, et pourtant le <strong>Visa Touristique a \u00e9t\u00e9 refus\u00e9<\/strong>. Outre la d\u00e9ception, un probl\u00e8me pratique et \u00e9conomique se pose aussit\u00f4t : <strong>qu&rsquo;advient-il de l&rsquo;argent de la garantie bancaire ou assurantielle que vous avez d\u00e9j\u00e0 souscrite ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce guide explique exactement ce qui arrive \u00e0 votre garantie financi\u00e8re en cas de refus et comment agir pour ne pas perdre tout votre investissement, en s&rsquo;appuyant sur les r\u00e9glementations et les contrats standards utilis\u00e9s par les organismes financiers.<\/p>\n\n\n\n<h3 class=\"gb-headline gb-headline-5f8c6a32 gb-headline-text\"><strong>LA PREMI\u00c8RE \u00c9TAPE : COMPRENDRE POURQUOI IL A \u00c9T\u00c9 REFUS\u00c9<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de s&rsquo;inqui\u00e9ter de l&rsquo;argent, il faut lire la motivation du refus. M\u00eame si vous avez pr\u00e9sent\u00e9 la garantie, le visa peut \u00eatre refus\u00e9.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les sources nous indiquent que le motif le plus fr\u00e9quent, m\u00eame en pr\u00e9sence de garanties \u00e9conomiques, est le <strong>risque migratoire<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Le cas de l&rsquo;absence d&#8217;emploi :<\/strong> si l&rsquo;invit\u00e9 n&rsquo;a pas d&#8217;emploi stable dans son pays d&rsquo;origine (ex. Tunisie), le Consulat peut refuser le visa en \u00e9crivant : <em>\u00ab il n&rsquo;y a pas de certitude qu&rsquo;il reparte apr\u00e8s l&rsquo;expiration du visa \u00bb<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Moyens insuffisants :<\/strong> parfois, le refus survient parce que, malgr\u00e9 la garantie, d&rsquo;autres conditions n&rsquo;ont pas \u00e9t\u00e9 prouv\u00e9es ou la documentation \u00e9tait incompl\u00e8te.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une fois obtenu le document de refus (la d\u00e9cision officielle), vous devez agir imm\u00e9diatement pour g\u00e9rer la garantie.<\/p>\n\n\n\n<h3 class=\"gb-headline gb-headline-4d0914c6 gb-headline-text\"><strong>QU&rsquo;ADVIENT-IL DE LA GARANTIE ?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous avez souscrit une police aupr\u00e8s d&rsquo;une soci\u00e9t\u00e9 financi\u00e8re ou d&rsquo;assurance en payant une prime (ex. 110 ou 135 euros) sans bloquer l&rsquo;argent sur le compte, la situation est diff\u00e9rente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le remboursement de la prime pay\u00e9e est-il pr\u00e9vu ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>G\u00e9n\u00e9ralement NON.<\/strong> Les conditions contractuelles sont claires : <em>\u00ab en cas de non-octroi du visa, il ne pourra y avoir [&#8230;] aucun remboursement des frais engag\u00e9s \u00bb<\/em>. La raison est technique : l&rsquo;agence a accompli son service (\u00e9mettre la garantie et assumer le risque). Le fait que l&rsquo;Ambassade dise non est une d\u00e9cision qui ne d\u00e9pend pas de l&rsquo;assureur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La \u00ab Clause de sauvegarde \u00bb : R\u00e9duction de 50 %<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toutefois, en analysant les contrats sp\u00e9cifiques (comme celui de la Finanziaria Romana cit\u00e9 dans les sources), il existe une issue pour qui souhaite refaire une demande.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&rsquo;<strong>Article 6<\/strong> de certains contrats pr\u00e9voit la facult\u00e9 de demander l&rsquo;\u00e9mission d&rsquo;un <strong>nouvel acte de garantie<\/strong> \u00e0 des conditions avantageuses si le premier visa a \u00e9t\u00e9 refus\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Comment fonctionne l&rsquo;avantage :<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Co\u00fbt :<\/strong> vous ne payez que <strong>50 %<\/strong> du prix initial pour la nouvelle police.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>D\u00e9lai :<\/strong> vous devez en faire la demande dans les <strong>30 jours<\/strong> suivant la date de prise d&rsquo;effet de la premi\u00e8re police.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Documents :<\/strong> vous devez envoyer le <strong>formulaire officiel de refus<\/strong> (le document de refus) d\u00e9livr\u00e9 par l&rsquo;Ambassade ou le Consulat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Condition :<\/strong> le formulaire de refus doit \u00eatre envoy\u00e9 dans les 15 jours suivant la date \u00e0 laquelle il a \u00e9t\u00e9 d\u00e9livr\u00e9.<\/p>\n\n\n\n<h3 class=\"gb-headline gb-headline-72cfa24e gb-headline-text\"><strong>PUIS-JE R\u00c9UTILISER L&rsquo;ANCIENNE GARANTIE ?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">De nombreux utilisateurs demandent : <em>\u00ab J&rsquo;ai une garantie d\u00e9j\u00e0 faite, le visa a \u00e9t\u00e9 refus\u00e9 ou a expir\u00e9, puis-je l&rsquo;utiliser pour une nouvelle demande ? \u00bb<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e9ponse des sources est <strong>NON<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 La police perd son efficacit\u00e9 \u00e0 l&rsquo;\u00e9ch\u00e9ance ou si l&rsquo;entr\u00e9e n&rsquo;a pas lieu dans les d\u00e9lais pr\u00e9vus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 Il n&rsquo;est pas possible de \u00ab recycler \u00bb l&rsquo;ancien document papier ou num\u00e9rique pour un nouveau dossier qui aura des dates de voyage diff\u00e9rentes. Il faut en souscrire une nouvelle (en profitant \u00e9ventuellement de la r\u00e9duction de 50 % si le contrat le pr\u00e9voit).<\/p>\n\n\n\n<h3 class=\"gb-headline gb-headline-e56fb62c gb-headline-text\"><strong>CHECKLIST : QUE FAIRE IMM\u00c9DIATEMENT APR\u00c8S LE REFUS<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si le visa a \u00e9t\u00e9 refus\u00e9, suivez cette proc\u00e9dure \u00e9tape par \u00e9tape bas\u00e9e sur les directives contractuelles :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1. <strong>R\u00e9cup\u00e9rez le formulaire de refus :<\/strong> faites-vous envoyer imm\u00e9diatement par l&rsquo;invit\u00e9 le scan lisible du document officiel de refus d\u00e9livr\u00e9 par le Consulat. La date et la signature doivent y figurer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. <strong>V\u00e9rifiez la date :<\/strong> contr\u00f4lez la date du refus. Vous avez des d\u00e9lais serr\u00e9s (souvent 15 ou 30 jours) pour activer les clauses d&rsquo;avantage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3. <strong>Contactez l&rsquo;Agence\/Soci\u00e9t\u00e9 financi\u00e8re :<\/strong> envoyez une lettre recommand\u00e9e ou une PEC (comme indiqu\u00e9 \u00e0 l&rsquo;Art. 7 des contrats) avec le formulaire de refus pour demander s&rsquo;il est possible d&rsquo;\u00e9mettre une nouvelle police \u00e0 co\u00fbt r\u00e9duit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4. <strong>Si vous voulez r\u00e9essayer :<\/strong> si vous comptez pr\u00e9senter une nouvelle demande, n&rsquo;oubliez pas que vous devrez changer les dates. La nouvelle garantie devra couvrir la nouvelle p\u00e9riode de voyage demand\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5. <strong>Si vous ne voulez pas r\u00e9essayer (Banque) :<\/strong> si vous aviez une garantie bancaire, armez-vous de patience. L&rsquo;argent ne reviendra sur le compte qu&rsquo;apr\u00e8s \u00e9coulement du d\u00e9lai technique de validit\u00e9 de la garantie (souvent 6 mois + 180 jours de s\u00e9curit\u00e9).<\/p>\n\n\n\n<h2 class=\"gb-headline gb-headline-53357331 gb-headline-text\"><strong>ERREURS \u00c0 NE PAS R\u00c9P\u00c9TER DANS LA NOUVELLE DEMANDE<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous d\u00e9cidez de refaire la demande et la nouvelle garantie, veillez \u00e0 ne pas commettre les erreurs qui ont pu causer le probl\u00e8me, en v\u00e9rifiant la conformit\u00e9 \u00e0 la <strong>Directive du 1er Mars 2000<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Montant correct :<\/strong> v\u00e9rifiez que la somme garantie couvre exactement les jours demand\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;\u25e6 1-5 jours : <strong>269,60 euros<\/strong> (somme fixe)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;\u25e6 6-10 jours : <strong>44,93 euros<\/strong> par jour<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;\u25e6 11-20 jours : <strong>51,64 euros<\/strong> (fixe) + <strong>36,67 euros<\/strong> par jour<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;\u25e6 Au-del\u00e0 de 20 jours : <strong>206,58 euros<\/strong> (fixe) + <strong>27,89 euros<\/strong> par jour.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 <strong>Dur\u00e9e coh\u00e9rente :<\/strong> si vous demandez 90 jours, la garantie doit couvrir 90 jours. N&rsquo;oubliez pas que la dur\u00e9e maximale pour le tourisme est de 90 jours.<\/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; QUESTIONS FR\u00c9QUENTES SUR LE REFUS<\/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>La prime de la Garantie est-elle restitu\u00e9e si le visa est refus\u00e9 ?<\/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\"><strong>Non,<\/strong> les contrats pr\u00e9cisent qu&rsquo;il n&rsquo;y a pas de remboursement car le service d&rsquo;\u00e9mission a \u00e9t\u00e9 fourni et le risque a \u00e9t\u00e9 assum\u00e9. L&rsquo;issue du visa rel\u00e8ve de la discr\u00e9tion de l&rsquo;Ambassade.<\/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>Puis-je faire un recours contre le refus ?<\/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\"> Les sources indiquent qu&rsquo;il est possible de pr\u00e9senter une nouvelle demande de visa si les conditions changent ou sont clarifi\u00e9es, mais elles ne d\u00e9taillent pas les proc\u00e9dures juridiques de recours (TAR\/Tribunaux) au-del\u00e0 de la possibilit\u00e9 de repr\u00e9senter la demande avec une nouvelle documentation.<\/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>Combien de temps ma garantie bancaire reste-t-elle valable si je ne l&rsquo;utilise pas ?<\/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\">La garantie a g\u00e9n\u00e9ralement <strong>une validit\u00e9 de 6 mois.<\/strong> Si elle n&rsquo;est pas appel\u00e9e (c&rsquo;est-\u00e0-dire si l&rsquo;\u00c9tat ne r\u00e9clame pas l&rsquo;argent), le d\u00e9p\u00f4t bancaire est d\u00e9bloqu\u00e9 apr\u00e8s une p\u00e9riode de s\u00e9curit\u00e9 pouvant atteindre le double de la dur\u00e9e de la garantie.<\/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>Que dois-je envoyer pour b\u00e9n\u00e9ficier de la r\u00e9duction sur la nouvelle police ?<\/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\">Vous devez envoyer le \u00ab formulaire officiel de refus \u00bb dat\u00e9 et sign\u00e9 par l&rsquo;Organisme comp\u00e9tent (Consulat\/Ambassade) dans les 15 jours suivant sa d\u00e9livrance, accompagn\u00e9 de la demande d&rsquo;\u00e9mission du nouvel acte.<\/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>Si le visa est refus\u00e9, l&rsquo;assurance sant\u00e9 sert-elle encore ?<\/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\">Non, l&rsquo;assurance sant\u00e9 sert pour les frais m\u00e9dicaux pendant le s\u00e9jour. Si le s\u00e9jour n&rsquo;a pas lieu, la police ne sert pas, mais dans ce cas aussi le remboursement de la prime d\u00e9pend des clauses sp\u00e9cifiques de la compagnie (souvent non remboursable comme la garantie).<\/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>DOCUMENTS<\/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\">Droits du client<\/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\">Contrat de garantie visa tourisme<\/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\">Guide de l&rsquo;arbitrage bancaire<\/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\">Politique de confidentialit\u00e9<\/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\"> <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\">Fiche d&rsquo;information<\/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\"> <a href=\"https:\/\/www.bancaditalia.it\/compiti\/vigilanza\/compiti-vigilanza\/tegm\/index.html\">Taux effectifs globaux moyens (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>La garantie bancaire (fideiussione) pour visa touristique est un document officiel indispensable pour qui veut h\u00e9berger un citoyen \u00e9tranger en Italie. Ce n&rsquo;est pas une simple formalit\u00e9 :&nbsp; c&rsquo;est une garantie \u00e9conomique exig\u00e9e par la loi (Direttiva del Ministero dell&rsquo;Interno du 1\/3\/2000 \u2014 Directive du Minist\u00e8re de l&rsquo;Int\u00e9rieur) qui sert \u00e0 prouver \u00e0 l&rsquo;Ambassade que &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Garantie Bancaire pour Visa Touristique : que dit le texte de la garantie ?\" class=\"read-more button\" href=\"https:\/\/www.vistoperitalia.it\/fr\/texte-garantie-bancaire-visa-touristique-italie\/#more-11564\" aria-label=\"En savoir plus sur Garantie Bancaire pour Visa Touristique : que dit le texte de la garantie ?\">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-11564","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>Texte Garantie Visa Touristique : les clauses obligatoires<\/title>\n<meta name=\"description\" content=\"Garantie Bancaire pour Visa Touristique : guide du texte de la garantie. Clauses obligatoires, calcul du montant et erreurs \u00e0 \u00e9viter pour le Visa Italie.\" \/>\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\/fr\/texte-garantie-bancaire-visa-touristique-italie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Texte Garantie Visa Touristique : les clauses obligatoires\" \/>\n<meta property=\"og:description\" content=\"Garantie Bancaire pour Visa Touristique : guide du texte de la garantie. 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