The fall in property prices, inevitable consequence of the crisis, pushes more into debt to have the peace of the brick.
A friend asked me what are your rights with respect to the bank that is providing a loan.
I gave this answer:
First of all you can get a free guide to mortgages, prepared by the Bank of Italy.
Along with this you will receive an information sheet outlining the features, the risks and costs of the loan.
The Information Sheet is accompanied by a spreadsheet for comparison to general information on mortgage and related species in the first home purchase loans.
The gratuity is guaranteed for the full copy of the contract and the Document Summary, parti.Tali obviously not binding documents also find them on the website of the Bank of your choice.
You have the right to know in advance the APR (annual percentage rate) and the infant Tegm (global average effective rate) as already required by law 108/96 and you can find both on the premises of the bank on the same site.
Particular attention must satisfy the conditions to put it down to those reported in the tables that you can receive digital or printed form, how you can receive a copy of the contract signed by the intermediary and a copy of the summary document to be preserved.
Everything that I said to my friend made a less complex time exploring the intricate world of mortgages enabling customers to be fully aware of their rights by making choices of convenience much more aware.