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Repayment Mortgages - Request by January

Mortgages 2009: exceeded limit of 4% to 31
Expires January, the opportunity to present self-certification form for those who signed adjustable rate mortgages in 2009 have exceeded the limit of 4%.
the Government, faced with rising rates, which in 2008 seemed to be on a relentless pace, decided to put a roof for 2009, a ceiling was set at 4%: Who will be found to pay interest beyond that threshold, therefore entitled to a refund.
Many have already received the refund automatically, based on lists sent by the Inland Revenue to the banks.
But many, as evidenced by some consumer groups, have not seen anything yet. E 'was therefore no time to fit in the date of deadline.
The application form must be submitted to your bank by January 31.
have the right to enjoy the benefit of the law is not fixed-rate mortgages (variable-rate and mixed), entered into before October 31, 2008 for the purchase, renovation and construction of the main building, excluding houses, villas and castles.

a refund is calculated on the contractual rate paid to the first installment of the loan (the so-called rate is considered "finished", the parameter that is derived from the sum between the index - usually the Euribor - and the spread).
If this is less than 4%, the contribution by the state will be equal to the interest paid over 4% on all installments paid in 2009. If the contractual rate is above 4%, the integration is done from this level.
to download a form certifying follow the link on www.mutuohelp.it

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suspension rate mortgage loan between friends

One of the consequences of the financial crisis, the dimunuzione of disposable income of households, found on the front of the payment of loan installments, a solution tamponatoria, temporary but interesting.
in December 2009 was signed an agreement Abi - Consumers' Association which covers the mortgage payment DDEL which is intended to provide a tool immediate help to families by providing:

• the suspension of the repayment of loans at least 12 months, even with customers with delays in payments of up to 180 consecutive days;
• for loans of up to 150,000 euro on for the purchase, construction or renovation of main
• to customers with a taxable income up to € 40,000 per annum ;
• who have suffered or are in the years 2009 and 2010 especially adverse events (death, loss of employment, onset di condizioni di non autosufficienza, ingresso in cassa integrazione).

L’iniziativa costituisce la misura minima alla quale le banche associate sono invitate ad aderire , ferma restando la piena libertà di ciascuna banca di offrire al cliente in sede di adesione al Piano condizioni migliori rispetto a quanto previsto dall’Accordo.

I clienti potranno fare la richiesta per attivare la sospensione del rimborso a partire dal 1° febbraio 2010 , con riferimento ad eventi accaduti dal gennaio 2009 in poi.

La lista delle banche aderenti verrà pubblicata nel sito internet dell’ABI ( www.abi.it ), dove sarà anche possibile "Download" the model of the form suspension request by the customer. This model will also be distributed at the branches of member banks.

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Supreme Court allows

It was resolved by a ruling of Supreme Court the question whether a friend had borrowed money from crime. Until now it was not considered just a thing lawful. The Italian courts had not yet been commented on, but it was likely to fall into the ' abusive use of credit.

If you lend money to a friend asking for the interest could be a serious offense, so in these situations, the most loyal and knowledgeable refrained from helping financially a friend.

The fifth section of the Criminal Court of Cassation (Case 2404/2010) has given the green light to the loan between friends. It is the misuse of credit. The ruling clarifies the scope of Article. 132 of Legislative Decree no. 385/1993 and draws art. 106 of that order to clarify what is meant by financial asset.

Commenting on the merits, the Supreme Court has indicated that it should not be considered as "financial activities" , given that the offer is not directed to the public and is not an ongoing activity, but occasional.

Discipline is very similar to that of the company where the art. 2082 of the Civil Code states which can be regarded entrepreneur

E 'professional contractor who exercises an economic activity organized in order to produce or exchange goods or services.

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How is a bank loan not paid?

This is the question that depopulated in the various forums and blogs in the network of those who are finding it difficult to pay the mortgage or not paying more for various reasons but most often a logical consequence of life of all days.
"I lost my job," "I'm sick," "I have suffered a fraud" These are just some of the most popular reasons from those who complain of not being able to stop paying the installment of the silent era.
Then begins the dark, and advice is not always given on the basis of correct information.
It is those who do not care about nothing "because my brother told me that with two kids, you can not throw out of the house ..." and who does not sleep at night, relies on fixer you promise to solve everything, but other than pay them in advance also important figures, then ends up with eviction because the executive is entrusted to the "mosquito" as they say in Milan !
Perhaps it is best to do a bit of clarity.
Let's start with your comments to this article and if you like, including an indication of your own experience.
Your questions will be examined by some experts to ask of a response.

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Derby Inter Milan, the player who has more debts

If you are a football club, even if you have many debts and not pay them, when you win the championship you are not removed.
If you are instead a poor man and do not pay your mortgage, your home is sold at auction.
and Inter Milan, who now play a big derby, they are technically insolvent for many years under the normal laws of the market. A company that does not earn for years and years is the subject of deep investigation. If you do not get why are you open? In football it's normal.
If the comparison between an ordinary citizen and a sports club may seem daunting, we see what happens in between does not settle the debts of a company stock and company normale. Entrambi sono sottoposte allo stesse regole, allo stesso codice civile, ma una non pagando vince e l’altra non pagando chiude. Perché? E soprattutto, è giusto, è sopportabile?
Si può ritenere che queste divaricazioni delle regole porti sempre di più in una direzione dove l'anarchia prende il sopravento sulle regole del vivere civile.
Questo lo vediamo anche nella libertà all'atto vandalico di chi viene ancora insistentemente chiamato ultras o più bonariamente tifoso. Forse è il caso di prendere un pò più di coraggio e chiamare le cose con il loro nome e pretendere una giustizia più vera.

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Banks, flying the suffering in one year, 46% more

Peggiora ancora la qualità credit.
In November 2009, gross NPLs of Italian banks amounted to 58 billion euro, 1.4 billion more than in October 2009 and 18.4 billion more than in November 2008. The annual change has brought so +46.5%. In relation to employment suffering amounted to 3.25%, with this indicator fell from 2.27% in November 2008 to more than 3.3% in November last year. Bad debts, net of depreciation, in November - according to new reports are available only for the period between December 2008 and November 2009 - amounted to € 34.7 billion, 1.4 billion more than in October 2009 and 13 billion more than at the end of 2008. The ratio of net / total loans stood at 1.97% (1.24% in December 2008). The ratio of net / regulatory capital amounted to 11.91% in November 2009 (7.84% at end 2008). entire article on repubblica.it

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auctioned the first property of Ricucci

judicial From the auction will not save anyone. It 's so in fact that the auction proceedings of the buildings of Milan Magiste Property Stefano Ricucci has found the first buyer. After more failed attempts deserts, was sold yesterday at an office away Porrone Bassano, a stone's throw from the Duomo. A real estate company bought was for 1.92 million La Mimosa euro, which is slightly above the starting price. The office is on the second floor of a three-storey building, with wooden floors, coffered sopraporte painted and fine stained glass. Another apartment is located in Via Pellico next to the gallery in a nineteenth-century building, adorned with marble and ceramics.

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Here's how the bank has ruined my life pretending to pay the widow

'First Official? We want to tell how a bank has ruined the lives of our family for 10 years for a debt of 35 million lire of 1998 '
un'altroi \u200b\u200barticle is instructive feature in the Journal of Southern an article of January 22.
's a story of bad mortgages and foreclosures as many finata in this case.
Yes, because although they are often the best solution to solve the problems with the lender (the bank) would be to sell the property before the auction that will never come to the actual market value of the house, but a "sale" often piloted that almost never solves the problem of debt and are losing all of the debtor and the bank except the usual "suspects" who buy at an auction for a few close friends even if it is defined as public and make the bargain.
When there's half a foreclosure, the owner can no longer sell and powerless until you see the bloodbath of the auction! Now something is moving, some consumer association or any company better specialized advice and assistance to owners to reach a mediation out of court "to save both ways.
In these cases, however, we must move without delay!

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mortgage, arrested in Rome

"Since my husband was killed in prison I was desperate, I had no money, pretend to be able to pay the mortgage on the house."
From an article published Saturday, January 9 on a Sardinian newspaper.
is where you should never come when we no longer pay the mortgage.
E 'certain, however, that in some cases, no one helps you or inform you about how you have to behave when you are in difficulty and are unable to pay the mortgage payments.
Worse, you do not know what will happen and no one gives you the right information on what to do.
Here then, MutuoHelp blog is an opportunity to exchange experiences and help in finding the correct information on how to behave and where to go to assert their rights.

Good luck ....