The crisis we are experiencing from 2007 we can divide, in order of appearance, in three parts: financial, economic and employment.
The latter is the one that sees companies in difficulty forced, to resort, when possible, of social welfare (is. layoffs) and in the worst cases to lay off and close all of the activities. So you end up with the unemployed person.
This means less revenue in the family and contraction of the outputs.
For Italian workers the most important output is the mortgage with which you purchased the home that you live (the so-called first home).
Here comes into play the possibility of suspending, for a maximum of eighteen months, payment of the installment loan due to "Solidarity fund mortgages first home" undertaking the payment of financial charges, equal to the interest accrued on the outstanding debt during the period of suspension, excluding the credit spreads charged by the lender.
The suspension is scheduled for mortgages of no more than 250 thousand Euros, paid at least one year, and with the indicator ISEE of the holder of the mortgage not exceeding 30 thousand euro.
There are no fees and / or costs of investigation.
You can request the suspension of the occurrence of one of the three cases provided:
Cessazione of the employment relationship;
Termination of employment under Article. 409, 3 of the Code of Civil Procedure;
For death or serious physical disability recognition of civil not less than 80 per cent.
In the presence of mutual joint account, such events may also refer to one of the borrowers.
Requests for access to the benefit of the suspension should be submitted at the issuing bank that sends everything to the Consap (on site www.consap.it you can learn more and limitations to the possibility of suspension), it verified the assumptions release the 'no objection' to the suspension of payment of loan installments, which in turn will notify the bank concerned.
Alex Gaetani
You can find out more about mortgages, reading the following books: