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| Loans with the Bersani decree, you can transfer it to another bank without penalty |
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| News - News |
| Thursday, 09 April 2009 21:05 |
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The Bersani Decree on liberalization has also touched on the loans. The Dl liberalization, the Commission approved in productive activities in the House has extended loans (both to those issued by banks and those provided by financial) the rules for portability, the value of the property automatically canceled once the loan repaid, and the elimination of penalties for early repayment. With the Bersani decree was introduced freedom for the debtor to switch from one bank to another without charges and without losing the tax benefits. A freedom that may seem obvious, but that was not before the entry into force of Decree Law 7 / 07. Indeed, the mechanism used by this rule is that of subrogation by the will of the debtor, pursuant to art. 1202 d.c. This is an institution already provided by our system, but which until now was not applicable in the relations with credit institutions due to specific clauses, which were usually incorporated into loan contracts by the same institutions. With the entry into force of the law has allowed the debtor to switch banks, searching for best solutions. The bank can not object and the change must also be at no cost to the debtor, who does not even lose the tax benefits which it may have enjoyed. Change without charges, however, is subject to three conditions: - The new loan and the receipt of the old mortgage must be reduced to having certain date; - In the new mortgage must be indicated explicitly specifies the destination of the sum borrowed from the new bank; - The receipt issued by the bank must surrogate the statement of the borrower as to the origin of soma used in payment. The Decree Law also provides that: - May be replaced any type of bank financing (not only for the loans); - The old bank in no way entitled to oppose the client's choice; - Keeps the old mortgage registration, noting in the margin of the subrogation, this remark can be done simply by submitting to the office of the Territory of a certified copy of the subrogation. But actually how the banks. The supplement "Plus" de The Hours Sole24 conducted a sample survey taking about thirty institutions, which in late 2005 had a network of over 400 branches 33mila, accounting for over 73% of the Italian distribution (45,556 branches, 13881 and 31675 postal bank). "All institutions have been received - reported Il Sole 24 Ore - as must the rules by February 2 eliminates penalties for early repayment, and with some uncertainty in decision bureaucratic and tax issues, the provisions on subrogation . As for the early repayment penalties on existing contracts, however, all institutions are at the window waiting for shots within three months the agreement between Abi and associations of consumers or the ball go back a Banca d'Italia. " |
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