Things the subrogation?
It's about the mortgage portability with which to obtain the reduction in the duration of the mortgage and the payment ofmeno “quota” interessi, anche grazie al ricalcolo suldebito residuo that, nel frattempo, has decreased.
It was one of the so-called "liberalization sheets" implemented at the timeMinistro alle Attività produttive Pierluigi Bersani, che ha dato la possibilità di surrogare il proprio mutuo senza affrontarne i costi (notary, perizia immobiliare, etc.) trasformando i sottoscrittori di mutuo in una sorta di“speculatori” finanziari alla ricerca di un guadagno economico.
How it works
The new bank takes over all real and personal guarantees ancillary to the credit to which the subrogation refers and the same subrogation entails the transfer of the contract under the conditions stipulated between the customer and the new bank with the exclusion of penalties or other charges of any nature, nor can they be asked from the customer expenses or commissions for granting the new loan, for the investigation and the findings.
Still relevant?
Today it is even more important to try to exploit mortgage portability seeing, the increase in the cost of money, skyrocketing inflation, ecc. he saw the mortgage payments (with variable rate) grow suddenly, as some readers of my blog tell meEconomiafamiliare.it, also until 300 euros per month more.
The "principal" suggestion for choosing the type of mortgage remains valid (scelta del tasso fisso o variabile, somma anticipo, etc..):
evaluate some fundamental elements relating to one's family situation, always related to the time horizon and that is to say the total duration of the loan that is to be requested,,it,In particular, it is necessary to take into account,,it,• the sustainability of the installment and its impact on the family budget,,it,monthly income,,it,reduced the financial commitment connected to the payment of the loan installment and any other financing,,it,must be in line with family economic needs,,it.
The story of Alfonso
Six years ago, on the occasion of the tenth anniversary of theLaw 40/2007 which has "unlocked" in our countryil mercato della portabilità del mutuo per i cittadini mutuatari (la surroga era prevista già dal nostroCodice Civile all’art.1202) I wanted to "celebrate" this anniversary by telling it in a short film (unico in Italia ad averlo fatto) the story a reader of my blog told me.
The protagonist Alfonso (fictitious name) he was already on his second subrogation and since there is no limit to the number of subrogations that can be made, in the short film we can see clearly how the banks were already back then, they were reluctant to welcome “serial surrogates”.
Alex Gaetani