{"id":60740,"date":"2024-09-25T09:56:41","date_gmt":"2024-09-25T07:56:41","guid":{"rendered":"https:\/\/www.fondapi.it\/la-prestation-de-retraite-anticipee-temporaire-p-r-a-t\/"},"modified":"2025-11-11T08:58:21","modified_gmt":"2025-11-11T07:58:21","slug":"la-prestation-de-retraite-anticipee-temporaire-p-r-a-t","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/rachat-du-fonds-de-pension\/la-prestation-de-retraite-anticipee-temporaire-p-r-a-t\/","title":{"rendered":"La Prestation de Retraite Anticip\u00e9e Temporaire (P.R.A.T)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"60740\" class=\"elementor elementor-60740 elementor-58987\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66417d7f e-flex e-con-boxed e-con e-parent\" data-id=\"66417d7f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-312fe3cf e-flex e-con-boxed e-con e-child\" data-id=\"312fe3cf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a62d007 elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"1a62d007\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-breadcrumbs jet-blocks\">\n\t\t<div class=\"jet-breadcrumbs\">\n\t\t<div class=\"jet-breadcrumbs__content\">\n\t\t<div class=\"jet-breadcrumbs__wrap\"><div class=\"jet-breadcrumbs__item\"><a href=\"https:\/\/www.fondapi.it\/fr\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Accueil\">Accueil<\/a><\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-348a1740 elementor-widget elementor-widget-html\" data-id=\"348a1740\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>document.addEventListener(\"DOMContentLoaded\", function() {\n  var observer = new MutationObserver(function(mutations) {\n    mutations.forEach(function(mutation) {\n      var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n      if (link) {\n        link.addEventListener(\"click\", function(event) {\n          event.preventDefault();\n        });\n      }\n    });\n  });\n\n  observer.observe(document.body, { childList: true, subtree: true });\n\n  var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n  if (link) {\n    link.addEventListener(\"click\", function(event) {\n      event.preventDefault();\n    });\n  }\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-27058b32 e-flex e-con-boxed e-con e-child\" data-id=\"27058b32\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24df5e61 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"24df5e61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">COMMENT \u00c7A FONCTIONNE<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41de3130 e-flex e-con-boxed e-con e-parent\" data-id=\"41de3130\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2c207b42 e-con-full e-flex e-con e-child\" data-id=\"2c207b42\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94826e8 elementor-widget elementor-widget-heading\" data-id=\"94826e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Qu'est-ce que la Prestation de Retraite Anticip\u00e9e Temporaire (P.R.A.T) ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fe4e4d elementor-widget elementor-widget-text-editor\" data-id=\"7fe4e4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La Prestation de Retraite Anticip\u00e9e Temporaire (P.R.A.T) est l&rsquo;une des prestations que le fonds de pension peut verser. Elle a \u00e9t\u00e9 con\u00e7ue pour permettre aux travailleurs d&rsquo;acc\u00e9der de mani\u00e8re anticip\u00e9e \u00e0 une rente compl\u00e9mentaire avant l&rsquo;\u00e2ge normal de la retraite. Introduite en 2017 pour offrir plus de flexibilit\u00e9 aux travailleurs proches de la retraite, la P.R.A.T repr\u00e9sente une option importante pour ceux qui souhaitent compl\u00e9ter leurs revenus en attendant la pension publique.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bde2938 elementor-widget elementor-widget-heading\" data-id=\"bde2938\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00c0 quoi sert la Prestation de Retraite Anticip\u00e9e Temporaire (P.R.A.T) ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-037ab35 elementor-widget elementor-widget-text-editor\" data-id=\"037ab35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;objectif principal de la P.R.A.T est de fournir un soutien \u00e9conomique temporaire aux travailleurs qui quittent, volontairement ou non, le march\u00e9 du travail de mani\u00e8re anticip\u00e9e. Cet instrument permet d&rsquo;utiliser le capital accumul\u00e9 dans le fonds de pension compl\u00e9mentaire, offrant une rente trimestrielle jusqu&rsquo;\u00e0 l&rsquo;atteinte de l&rsquo;\u00e2ge de la retraite. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-537eeabe e-con-full e-flex e-con e-child\" data-id=\"537eeabe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f66d401 elementor-widget elementor-widget-image\" data-id=\"1f66d401\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1335\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/riscatto.webp\" class=\"attachment-full size-full wp-image-60741\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/riscatto.webp 1335w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/riscatto-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/riscatto-684x1024.webp 684w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/riscatto-768x1151.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/riscatto-1025x1536.webp 1025w\" sizes=\"(max-width: 1335px) 100vw, 1335px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bf1c6ce e-flex e-con-boxed e-con e-parent\" data-id=\"bf1c6ce\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-247cda9 e-con-full e-flex e-con e-child\" data-id=\"247cda9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-370cf97 elementor-widget elementor-widget-image\" data-id=\"370cf97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1335\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp\" class=\"attachment-full size-full wp-image-60742\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi.webp 1335w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-684x1024.webp 684w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-768x1151.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/costi-1025x1536.webp 1025w\" sizes=\"(max-width: 1335px) 100vw, 1335px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-009036c e-con-full e-flex e-con e-child\" data-id=\"009036c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f361f1 elementor-widget elementor-widget-heading\" data-id=\"3f361f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Conditions d'acc\u00e8s \u00e0 la P.R.A.T\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c232aec elementor-widget elementor-widget-text-editor\" data-id=\"c232aec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Il est possible de demander la P.R.A.T (pour <strong>cotisation<\/strong>) lorsque :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac42f8a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ac42f8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">vous avez cess\u00e9 votre activit\u00e9 professionnelle (licenciement, d\u00e9mission, retraite anticip\u00e9e) ;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">il vous reste au plus 5 ans avant l'\u00e2ge de la retraite (\u00e0 partir de 62 ans) ;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">vous avez au moins 20 ans de cotisations vers\u00e9es dans votre r\u00e9gime de retraite obligatoire ;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">vous avez au moins 5 ans de participation \u00e0 un r\u00e9gime de retraite compl\u00e9mentaire.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dda5df7 elementor-widget elementor-widget-text-editor\" data-id=\"dda5df7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong>N.B. Pour pouvoir verser la P.R.A.T, l&rsquo;adh\u00e9rent doit pouvoir recevoir au moins 2 versements. La P.R.A.T ne peut donc pas \u00eatre demand\u00e9e lorsqu&rsquo;il reste moins de 6 mois avant l&rsquo;\u00e2ge de la retraite. <\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f2a4d8 elementor-widget elementor-widget-text-editor\" data-id=\"3f2a4d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ou (pour <em><strong>ch\u00f4mage de plus de 24 mois<\/strong><\/em>) lorsque toutes ces conditions sont r\u00e9unies :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fe2234 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7fe2234\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">vous avez cess\u00e9 votre activit\u00e9 professionnelle (d\u00e9mission, licenciement) ;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">vous \u00eates sans emploi depuis plus de 24 mois ;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">il vous reste au plus 10 ans avant l'\u00e2ge de la retraite (\u00e0 partir de 57 ans) ;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">vous avez au moins 5 ans de participation \u00e0 un r\u00e9gime de retraite compl\u00e9mentaire.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3933a29 e-con-full e-flex e-con e-parent\" data-id=\"3933a29\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-903faaa elementor-hidden-mobile e-con-full e-flex e-con e-child\" data-id=\"903faaa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dceabf5 e-flex e-con-boxed e-con e-parent\" data-id=\"dceabf5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0a8e828 e-con-full e-flex e-con e-child\" data-id=\"0a8e828\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bd287d elementor-widget elementor-widget-heading\" data-id=\"3bd287d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mode de calcul, de versement et dur\u00e9e de la P.R.A.T<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9901db elementor-widget elementor-widget-text-editor\" data-id=\"e9901db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La P.R.A.T est vers\u00e9e trimestriellement jusqu&rsquo;\u00e0 l&rsquo;atteinte de l&rsquo;\u00e2ge normal de la retraite. Le montant de la rente est calcul\u00e9 en fonction du capital accumul\u00e9 dans le fonds de pension compl\u00e9mentaire et peut \u00eatre modul\u00e9 selon les besoins du demandeur. <\/p><p>En particulier, l&rsquo;adh\u00e9rent peut demander le versement en P.R.A.T d&rsquo;une partie seulement de son capital accumul\u00e9 dans le fonds de pension. Le montant du versement trimestriel d\u00e9pendra : <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7828e14 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7828e14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Du montant affect\u00e9 \u00e0 la P.R.A.T.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Du nombre de trimestres qui pourront \u00eatre vers\u00e9s dans l'intervalle entre l'activation de la P.R.A.T et l'atteinte de l'\u00e2ge de la retraite.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Les sommes vers\u00e9es p\u00e9riodiquement seront d\u00e9sinvesties au fur et \u00e0 mesure et prendront la valeur de part correspondant au mois de d\u00e9sinvestissement du versement trimestriel ; le montant versable au titre de la P.R.A.T sera \u00e9gal \u00e0 la contre-valeur du nombre de parts d\u00e9sinvesties et liquid\u00e9es lors du versement.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Les versements \u00e0 effectuer, recalcul\u00e9s \u00e0 chaque fois, tiendront donc compte de l'augmentation ou de la diminution de la valeur du montant r\u00e9siduel engag\u00e9 au titre de la P.R.A.T : il en r\u00e9sulte que les montants vers\u00e9s au titre de la P.R.A.T ne seront pas \u00e9gaux dans le temps.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd02806 elementor-widget elementor-widget-text-editor\" data-id=\"dd02806\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"text-decoration: underline;\"><strong>N.B. Pour pouvoir verser la P.R.A.T, l&rsquo;adh\u00e9rent doit pouvoir recevoir au moins 2 versements. La P.R.A.T ne peut donc pas \u00eatre demand\u00e9e lorsqu&rsquo;il reste moins de 6 mois avant l&rsquo;\u00e2ge de la retraite. <\/strong><\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18162df e-con-full e-flex e-con e-child\" data-id=\"18162df\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18306fa elementor-widget elementor-widget-image\" data-id=\"18306fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1333\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/comparto.webp\" class=\"attachment-full size-full wp-image-60743\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/comparto.webp 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/comparto-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/comparto-682x1024.webp 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/comparto-768x1152.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/comparto-1024x1536.webp 1024w\" sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f886b1 e-flex e-con-boxed e-con e-parent\" data-id=\"8f886b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6b3cc46 e-con-full e-flex e-con e-child\" data-id=\"6b3cc46\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0a37dd elementor-widget elementor-widget-heading\" data-id=\"d0a37dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Essayez notre simulateur pour estimer le versement trimestriel de la P.R.A.T<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08fca47 elementor-widget elementor-widget-html\" data-id=\"08fca47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div><style>\n        #rita-calculator {\n            font-family: 'Work sans', sans-serif;\n            line-height: 1.6;\n            padding: 60px;\n            background-color: #F4F4F3;\n        }\n        #rita-calculator .container {\n            max-width: 600px;\n            margin: 0 auto;\n            background-color: #fff;\n            padding: 40px;\n            border-radius: 5px;\n            box-shadow: 0 0 10px rgba(0,0,0,0.1);\n        }\n        #rita-calculator h1 {\n            text-align: center;\n            color: #333;\n        }\n        #rita-calculator label {\n            display: block;\n            margin-bottom: 5px;\n        }\n        #rita-calculator input,\n        #rita-calculator select {\n            width: 100%;\n            padding: 8px;\n            margin-bottom: 10px;\n            border: 1px solid #ddd;\n            border-radius: 4px;\n            box-sizing: border-box;\n        }\n        #rita-calculator button {\n            width: 100%;\n            padding: 10px;\n            background-color: #324f69;\n            color: #fff;\n            border: none;\n            border-radius: 4px;\n            cursor: pointer;\n            font-weight: bold;\n        }\n        #rita-calculator button:hover {\n            background-color: #3a98b9;\n            font-weight: bold;\n        }\n        #rita-calculator #result {\n            margin-top: 20px;\n            padding: 10px;\n            background-color: #e9ecef;\n            border-radius: 4px;\n        }\n        #rita-calculator .alert {\n            color: red;\n            font-weight: bold;\n            margin-top: 10px;\n        }\n        #rita-calculator .info {\n            color: #324f69;\n            font-weight: bold;\n            margin-top: 10px;\n        }\n        @media all and (max-width: 480px) { \n            #rita-calculator {\n            padding: 0px;\n        }\n        }\n    <\/style>\n<\/head>\n\n    <div id=\"rita-calculator\">\n        <div class=\"container\">\n            <h3 style=\"font-size: 32px;\">Calculateur P.R.A.T<\/h3>\n            <form id=\"ritaForm\">\n                <label for=\"birthDate\">Date de naissance :<\/label>\n                <input type=\"date\" id=\"birthDate\" required=\"\">\n                \n                <label for=\"capital\">Capital constitu\u00e9 dans le Fonds (\u20ac) :<\/label>\n                <input type=\"number\" id=\"capital\" placeholder=\"Ex. 100000\" required=\"\">\n                \n                <label for=\"percentage\">Pourcentage du capital pour la P.R.A.T (%) :<\/label>\n                <select id=\"percentage\" required=\"\">\n                    <option value=\"100\">100%<\/option>\n                    <option value=\"90\">90%<\/option>\n                    <option value=\"80\">80%<\/option>\n                    <option value=\"70\">70%<\/option>\n                    <option value=\"60\">60%<\/option>\n                    <option value=\"50\">50%<\/option>\n                    <option value=\"40\">40%<\/option>\n                    <option value=\"30\">30%<\/option>\n                    <option value=\"20\">20%<\/option>\n                    <option value=\"10\">10%<\/option>\n                <\/select>\n\n                <label for=\"unemployed\">Sans emploi depuis plus de 24 mois ?<\/label>\n                <select id=\"unemployed\" required=\"\">\n                    <option value=\"no\">Non<\/option>\n                    <option value=\"yes\">Oui<\/option>\n                <\/select>\n                \n                <button type=\"submit\">Calculer<\/button>\n            <\/form>\n            <div id=\"result\"><\/div>\n        <\/div>\n    <\/div>\n\n    <script>\n        document.addEventListener('DOMContentLoaded', function() {\n            document.getElementById('ritaForm').addEventListener('submit', function(e) {\n                e.preventDefault();\n                calculateRITA();\n            });\n        });\n\n        function calculateRITA() {\n            const birthDate = new Date(document.getElementById('birthDate').value);\n            const capital = parseFloat(document.getElementById('capital').value);\n            const percentage = parseFloat(document.getElementById('percentage').value);\n            const unemployed = document.getElementById('unemployed').value === 'yes';\n\n            const today = new Date();\n            const minRitaAge = new Date(birthDate.getFullYear() + 62, birthDate.getMonth() + 3, birthDate.getDate());\n            const minRitaUnemployedAge = new Date(birthDate.getFullYear() + 57, birthDate.getMonth() + 3, birthDate.getDate());\n            \n            let alertMessage = '';\n            let infoMessage = '';\n            let isEligible = true;\n\n            if (today < minRitaUnemployedAge) {\n                const timeDiff = minRitaUnemployedAge - today;\n                const yearDiff = Math.floor(timeDiff \/ (365.25 * 24 * 60 * 60 * 1000));\n                const monthDiff = Math.floor((timeDiff % (365.25 * 24 * 60 * 60 * 1000)) \/ (30.44 * 24 * 60 * 60 * 1000));\n                \n                alertMessage = `<div class=\"alert\">Sembra che ti manchino ancora ${yearDiff} anni e ${monthDiff} mesi per poter richiedere la R.I.T.A per <strong>inoccupazione superiore a 24 mesi<\/strong>. Contatta il Fondo per chiarimenti.<\/div>`;\n                isEligible = false;\n            } else if (today >= minRitaUnemployedAge && today < minRitaAge) {\n                if (unemployed) {\n                    infoMessage = `<div class=\"info\">Attenzione: si tratta di RITA per inoccupazione superiore a 24 mesi<\/div>`;\n                } else {\n                    const timeDiff = minRitaAge - today;\n                    const yearDiff = Math.floor(timeDiff \/ (365.25 * 24 * 60 * 60 * 1000));\n                    const monthDiff = Math.floor((timeDiff % (365.25 * 24 * 60 * 60 * 1000)) \/ (30.44 * 24 * 60 * 60 * 1000));\n                    \n                    alertMessage = `<div class=\"alert\">Sembra che ti manchino ancora ${yearDiff} anni e ${monthDiff} mesi per poter richiedere la R.I.T.A. per contribuzione. Tuttavia, potresti essere idoneo per la RITA per inoccupazione se sei inoccupato da pi\u00f9 di 24 mesi. Contatta il Fondo per chiarimenti.<\/div>`;\n                    isEligible = false;\n                }\n            }\n\n            if (!isEligible) {\n                showResult(alertMessage);\n                return;\n            }\n\n            const quarters = calculateQuartersToRetirement(birthDate);\n\n            if (quarters === 0) {\n                showResult(\"Hai gi\u00e0 raggiunto o superato l'et\u00e0 pensionabile.\");\n                return;\n            }\n\n            const capitalForRITA = capital * (percentage \/ 100);\n            const quarterlyAmount = capitalForRITA \/ quarters;\n            const annualAmount = quarterlyAmount * 4;\n\n            let resultMessage = `\n                ${alertMessage}\n                ${infoMessage}\n                Trimestri alla pensione: ${quarters}\n                Rata trimestrale lorda: \u20ac${quarterlyAmount.toFixed(2)}\n            `;\n\n            showResult(resultMessage);\n        }\n\n        function calculateQuartersToRetirement(birthDate) {\n            const today = new Date();\n            const retirementDate = new Date(birthDate.getFullYear() + 67, birthDate.getMonth() + 3, birthDate.getDate());\n            \n            const diffTime = retirementDate - today;\n            const diffDays = Math.ceil(diffTime \/ (1000 * 60 * 60 * 24));\n            return Math.max(0, Math.ceil(diffDays \/ (365.25 \/ 4)));\n        }\n\n        function showResult(message) {\n            document.getElementById('result').innerHTML = message.replace(\/\\n\/g, '<br>');\n        }\n    <\/script><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-82dee71 e-con-full e-flex e-con e-child\" data-id=\"82dee71\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8794fbd elementor-widget elementor-widget-heading\" data-id=\"8794fbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Avertissements<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ba67a0 elementor-widget elementor-widget-text-editor\" data-id=\"7ba67a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tCe simulateur fournit une estimation indicative du montant de la P.R.A.T (Prestation de Retraite Anticip\u00e9e Temporaire). Les montants calcul\u00e9s sont uniquement \u00e0 titre informatif et ont pour seul objectif d&rsquo;offrir un ordre de grandeur pour une \u00e9valuation pr\u00e9liminaire. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bee8b0 elementor-widget elementor-widget-text-editor\" data-id=\"4bee8b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Simulation<\/strong> : les montants affich\u00e9s sont bas\u00e9s sur des hypoth\u00e8ses et des param\u00e8tres actuels, et ne repr\u00e9sentent pas une garantie ou un engagement de la part du Fonds de Pension. Le montant effectif de la P.R.A.T pourra varier en fonction du moment r\u00e9el d&rsquo;acceptation de la demande. <\/li><li><strong>Variations de la valeur de part<\/strong> : le montant simul\u00e9 est susceptible de variations, li\u00e9es \u00e0 d&rsquo;\u00e9ventuelles fluctuations de la valeur de part du compartiment d&rsquo;investissement choisi. Par cons\u00e9quent, la valeur finale du versement pourrait diff\u00e9rer de celle indiqu\u00e9e. <\/li><li><strong>Montant brut et net<\/strong> : le simulateur affiche un montant brut. Le montant net effectif d\u00e9pendra de la fiscalit\u00e9 applicable, qui varie en fonction des ann\u00e9es d&rsquo;adh\u00e9sion cumul\u00e9es par l&rsquo;adh\u00e9rent. <\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf8d5cf elementor-widget elementor-widget-text-editor\" data-id=\"bf8d5cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Ce simulateur doit \u00eatre utilis\u00e9 exclusivement comme un outil d&rsquo;orientation g\u00e9n\u00e9rale.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d18b377 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"d18b377\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ed706a7 e-con-full e-flex e-con e-child\" data-id=\"ed706a7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-a3ea1b3 e-con-full e-flex e-con e-child\" data-id=\"a3ea1b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40c9fe1 elementor-widget elementor-widget-html\" data-id=\"40c9fe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async=\"\"><\/script>\n<div class=\"trustpilot-widget\" data-locale=\"it-IT\" data-template-id=\"54ad5defc6454f065c28af8b\" data-businessunit-id=\"636d0a1b79e3f339e1d60a3b\" data-style-height=\"240px\" data-style-width=\"100%\" data-theme=\"light\" data-stars=\"1,2,3,4,5\" data-review-languages=\"it\" data-font-family=\"Lato\" data-text-color=\"#000000\">\n  <a href=\"https:\/\/it.trustpilot.com\/review\/fondapi.it\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b5943bd e-con-full e-flex e-con e-parent\" data-id=\"b5943bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-8b004d0 elementor-hidden-mobile e-con-full e-flex e-con e-child\" data-id=\"8b004d0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f494ae9 e-flex e-con-boxed e-con e-parent\" data-id=\"f494ae9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2cf35af e-con-full e-flex e-con e-child\" data-id=\"2cf35af\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9ee860 elementor-widget elementor-widget-heading\" data-id=\"d9ee860\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fiscalit\u00e9 avantageuse appliqu\u00e9e \u00e0 la P.R.A.T<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc645a5 elementor-widget elementor-widget-text-editor\" data-id=\"dc645a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La partie imposable de la P.R.A.T est soumise \u00e0 une retenue \u00e0 la source avec un taux d&rsquo;imposition de 15 % r\u00e9duit de 0,30 point de pourcentage pour chaque ann\u00e9e au-del\u00e0 de la quinzi\u00e8me ann\u00e9e de participation \u00e0 des r\u00e9gimes de retraite compl\u00e9mentaire, avec une r\u00e9duction maximale de 6 points de pourcentage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31c6753 elementor-widget elementor-widget-heading\" data-id=\"31c6753\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Avantages et inconv\u00e9nients<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e258462 elementor-widget elementor-widget-text-editor\" data-id=\"e258462\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Avantages de la P.R.A.T :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4239f4 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a4239f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Flexibilit\u00e9 dans la sortie du monde du travail ;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Soutien \u00e9conomique temporaire ;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Utilisation du capital accumul\u00e9 dans les fonds de pension ;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Imposition de l'ensemble du capital de retraite entre 15 % et 9 % (selon l'anciennet\u00e9 d'adh\u00e9sion accumul\u00e9e).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33a5e5d elementor-widget elementor-widget-text-editor\" data-id=\"33a5e5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Inconv\u00e9nients de la P.R.A.T :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71cfc92 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"71cfc92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">R\u00e9duction du capital disponible au moment de la retraite ordinaire (car la P.R.A.T entame directement le capital accumul\u00e9 dans le fonds de pension) ;<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Impact possible sur la future pension publique (d\u00fb \u00e0 la sortie anticip\u00e9e du monde du travail).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9e4a6b5 e-con-full e-flex e-con e-child\" data-id=\"9e4a6b5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90e48f3 elementor-widget elementor-widget-image\" data-id=\"90e48f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1335\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/tfr.webp\" class=\"attachment-full size-full wp-image-60744\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/tfr.webp 1335w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/tfr-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/tfr-684x1024.webp 684w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/tfr-768x1151.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/tfr-1025x1536.webp 1025w\" sizes=\"(max-width: 1335px) 100vw, 1335px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13e44f4 e-flex e-con-boxed e-con e-parent\" data-id=\"13e44f4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-030a01e e-con-full e-flex e-con e-child\" data-id=\"030a01e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63a0b43 elementor-widget elementor-widget-menu-anchor\" data-id=\"63a0b43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"telecharger-formulaire-PRAT\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b56dc64 elementor-widget elementor-widget-heading\" data-id=\"b56dc64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment demander la P.R.A.T<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea36fc0 elementor-widget elementor-widget-text-editor\" data-id=\"ea36fc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pour demander la P.R.A.T, il suffira d&rsquo;acc\u00e9der \u00e0 votre <strong><a href=\"https:\/\/funds.previnet.it\/w-horizon-fondapi\/login.html#\/\" target=\"_blank\" rel=\"noopener\">Espace personnel en ligne<\/a><\/strong>.<br>Dans la barre de menu en haut, cherchez et cliquez sur P.R.A.T et suivez la proc\u00e9dure guid\u00e9e de demande.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-753083f elementor-widget elementor-widget-text-editor\" data-id=\"753083f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>N.B. L&rsquo;envoi de la demande de P.R.A.T depuis l&rsquo;Espace personnel permet de r\u00e9duire consid\u00e9rablement les d\u00e9lais de traitement car Fondapi re\u00e7oit imm\u00e9diatement les formulaires et la documentation jointe \u00e0 l&rsquo;appui de la demande.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5ceb92 elementor-widget elementor-widget-text-editor\" data-id=\"e5ceb92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sinon, vous pouvez proc\u00e9der au remplissage manuel du formulaire de demande d&rsquo;activation de la P.R.A.T en le <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fondapi.it\/documenti\/rendita-integrativa-temporanea-anticipata\/\">t\u00e9l\u00e9chargeant ici<\/a><\/span>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbd4e52 elementor-widget elementor-widget-text-editor\" data-id=\"bbd4e52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Quels documents sont n\u00e9cessaires pour la demande de la Prestation de Retraite Anticip\u00e9e Temporaire (P.R.A.T) ?<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40825cd elementor-widget elementor-widget-text-editor\" data-id=\"40825cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;adh\u00e9rent qui souhaite proc\u00e9der \u00e0 la demande de P.R.A.T (pour <em><strong>cotisation<\/strong><\/em>) devra t\u00e9l\u00e9charger :<\/p><ul><li>une copie PDF de la pi\u00e8ce d&rsquo;identit\u00e9 ;<\/li><li>le code IBAN et l&rsquo;attestation de possession de celui-ci (des captures d&rsquo;\u00e9cran de la banque en ligne montrant le code IBAN et le nom du demandeur seront suffisantes) ;<\/li><li>(uniquement pour la retraite anticip\u00e9e) L&rsquo;attestation de pension de l&rsquo;INPS ;<\/li><\/ul><p> <\/p><p>L&rsquo;adh\u00e9rent qui souhaite proc\u00e9der \u00e0 la demande de P.R.A.T (pour <em><strong>ch\u00f4mage de plus de 24 mois<\/strong><\/em>) devra t\u00e9l\u00e9charger :<\/p><ul><li>une copie PDF de la pi\u00e8ce d&rsquo;identit\u00e9 ;<\/li><li>le code IBAN et l&rsquo;attestation de possession de celui-ci (des captures d&rsquo;\u00e9cran de la banque en ligne montrant le code IBAN et le nom du demandeur seront suffisantes) ;<\/li><li>Certification du Centre pour l&rsquo;Emploi indiquant la date d&rsquo;inscription sur les listes de ch\u00f4mage et attestation du maintien de ce statut.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f584925 e-flex e-con-boxed e-con e-parent\" data-id=\"f584925\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17765cb elementor-widget elementor-widget-jet-accordion\" data-id=\"17765cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:false,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingTablet&quot;:false,&quot;switchScrollingMobile&quot;:false,&quot;switchScrollingOffset&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingOffsetTablet&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingOffsetMobile&quot;:{&quot;size&quot;:0,&quot;unit&quot;:&quot;px&quot;},&quot;switchScrollingDelay&quot;:500,&quot;switchScrollingDelayTablet&quot;:500,&quot;switchScrollingDelayMobile&quot;:500}\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2461\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2461\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-left\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Combien co\u00fbte la P.R.A.T ?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2461\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>La P.R.A.T pr\u00e9voit un co\u00fbt de <strong>10,00 \u20ac une seule fois, imput\u00e9 sur le premier versement<\/strong> effectu\u00e9 et un co\u00fbt de <strong>6,00 \u20ac pour chaque versement trimestriel<\/strong> effectu\u00e9.<\/p>\n<p>De plus, la demande de P.R.A.T n&rsquo;exon\u00e8re pas du paiement des frais \u00e0 supporter pendant la phase d&rsquo;accumulation (cf. fiche des co\u00fbts dans la Note d&rsquo;information) jusqu&rsquo;au moment o\u00f9 la position sera enti\u00e8rement liquid\u00e9e.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2462\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2462\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-left\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Que se passe-t-il en cas de d\u00e9c\u00e8s avant le paiement du dernier versement de P.R.A.T ?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2462\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>En cas de d\u00e9c\u00e8s pr\u00e9matur\u00e9 de l&rsquo;adh\u00e9rent qui recevait le versement en P.R.A.T du Fonds de pension, il faudra proc\u00e9der \u00e0 la <strong>r\u00e9vocation de la P.R.A.T<\/strong> via un formulaire sp\u00e9cifique et le <strong>capital restant<\/strong> \u00e0 verser suivra les r\u00e8gles pr\u00e9vues pour le <strong>rachat pour d\u00e9c\u00e8s pr\u00e9matur\u00e9<\/strong>.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2463\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2463\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-left\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Cession du cinqui\u00e8me active et versement de la P.R.A.T<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2463\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>Dans le cas o\u00f9 l&rsquo;adh\u00e9rent a une Cession du cinqui\u00e8me en cours, la rente sera vers\u00e9e pour 1\/5 en faveur de la Soci\u00e9t\u00e9 financi\u00e8re.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5508ae98 e-con-full e-flex e-con e-child\" data-id=\"5508ae98\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5503a710 elementor-widget elementor-widget-heading\" data-id=\"5503a710\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Vous avez encore des doutes ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca7598b elementor-widget elementor-widget-text-editor\" data-id=\"ca7598b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>R\u00e9servez un conseil t\u00e9l\u00e9phonique enti\u00e8rement gratuit et sans engagement ou envoyez un e-mail pour clarifier tout doute.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-615acfb3 e-con-full e-flex e-con e-child\" data-id=\"615acfb3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6864ffa1 elementor-widget elementor-widget-button\" data-id=\"6864ffa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/forms.office.com\/e\/3TMS2B7AMy\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Parlez \u00e0 un expert<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7865244f elementor-widget elementor-widget-button\" data-id=\"7865244f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/form.jotform.com\/232203763321344\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Envoyez un e-mail<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home COMMENT \u00c7A FONCTIONNE Qu&rsquo;est-ce que la Prestation de Retraite Anticip\u00e9e Temporaire (P.R.A.T) ? La Prestation de Retraite Anticip\u00e9e Temporaire (P.R.A.T) est l&rsquo;une des prestations que le fonds de pension peut verser. Elle a \u00e9t\u00e9 con\u00e7ue pour permettre aux travailleurs d&rsquo;acc\u00e9der de mani\u00e8re anticip\u00e9e \u00e0 une rente compl\u00e9mentaire avant l&rsquo;\u00e2ge normal de la retraite. Introduite [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":60865,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-60740","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La Prestation de Retraite Anticip\u00e9e Temporaire (P.R.A.T) - Fondapi<\/title>\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.fondapi.it\/fr\/comment-ca-fonctionne\/adhesion-des-travailleurs\/rachat-du-fonds-de-pension\/la-prestation-de-retraite-anticipee-temporaire-p-r-a-t\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La Prestation de Retraite Anticip\u00e9e Temporaire (P.R.A.T) - Fondapi\" \/>\n<meta property=\"og:description\" content=\"Home COMMENT \u00c7A FONCTIONNE Qu&rsquo;est-ce que la Prestation de Retraite Anticip\u00e9e Temporaire (P.R.A.T) ? La Prestation de Retraite Anticip\u00e9e Temporaire (P.R.A.T) est l&rsquo;une des prestations que le fonds de pension peut verser. Elle a \u00e9t\u00e9 con\u00e7ue pour permettre aux travailleurs d&rsquo;acc\u00e9der de mani\u00e8re anticip\u00e9e \u00e0 une rente compl\u00e9mentaire avant l&rsquo;\u00e2ge normal de la retraite. 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