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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