In order to facilitate access to credit by households to purchase and the energy efficiency of the dwelling house, the stability Law 2014 (law 27 December 2013, n. 147, art. 1, paragraph 48, became. c), He was established at the Ministry of Economy and Finance, the Guarantee Fund for loans for first home.
Thanks to the Fund, is the state to provide citizens with guarantees for the lighting of mortgage loans for the purchase – or for the purchase and renovation and enhancement of energy efficiency – of housing units to be used for main house first house.
The bottom, It had an initial budget of about 650 million euro, hypothesized the activation of about 20 billion euro in new loans (www.dt.tesoro.it). It provides for the issuance of guarantees to cover 50% of the principal amount of the mortgage (until 250.000 €) in particular to young couples, and, It is a prime example of cooperation between Banks and Institutions, for the benefit of the families that still incorporate the effects of the crisis but aspire to purchase a principal residence. A now joined 142 banks (representing more than 70% in terms of bank branches). The list is available at the website of the Manager Consap (Consap).
In a recent press release of ABI (Italian Banking Association) states that "between February and October 2015 They totaled 304 million euro new loans guaranteed and other 34,5 million in dispensing step, for a total of 338,5 million euro”.
Therefore, The Fund has also contributed at the growth of the mortgage market for the purchase of properties, which surged, in the first ten months of 2015, of +94,3% compared to the same time span of 2014.
Alex Gaetani