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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.