With the occasion of the boom they are experiencing the subrogation of mortgages in 2015 (the incidence of subrogation of total new loans amounted, in the first 8 months 2015, to about 29% Source ABI), I come to speak of the opportunity provided to borrowers to try to ask a bank to take over the Institute that provided the original loan, to have a different rate (possibly lowest) and perhaps a different duration (possibly shorter).
The whole, thanks to the so-called Bersani Law 2007, without charge (expertise, investigation, notary, etc.), nè penali di estinzione.
The new bank takes over all collateral and guarantees accessory to the credit which the subrogation refers and the same substitution involves the transfer of the contract under the conditions agreed between the customer and the new bank with exclusions of criminal or other charges of any kind, nor can they be requested to the customer fees or commissions for the grant of new funding, for the investigation and the findings.
Let's focus at this time on the penalty for the extinction of the entry into force of the Law Bersani not pay it anymore.
In fact, at European level there is a new directive (Mortage credit directive) which provides that individual States could establish a "compensation" for the bank in case of costs due to the early repayment of the loan.
I suggest to follow the evolution of the path of transposition by Italy, He must do so within the 31 March 2016.
Must also be given that the so-called compensation (qualified in the Directive as "fair and not excessive") worth it or not for the loans already in place or just for those of new signing, and what are the rules by which the European directive will be introduced in our country.
Keeping in mind that before the Bersani Law were penalties amounting to ranging from 1% to 2% of the amount repaid early.
Alex Gaetani