At the start of the Solidarity Fund for loans to purchase their first home Starting today operates the decree by the Ministry of Economy and of Finance issued the Rules with the implementing rules of the Solidarity Fund for loans to purchase their first home. But to the full utilization of the provisions will facilitate further compliance is necessary to wait by the Treasury. Therefore, borrowers can not immediately go to the bank to ask for the suspension.
By Decree of the Ministry of Economy and Finance on June 21 No 132, published in the Official Journal n, 192, Aug. 18 is operating the solidarity fund for loans first home. The Solidarity Fund allows families in difficulty and that have certain requirements to withhold payment of the loan of art for a maximum period of 18 months and not more than two times over the Paini depreciation.
Subjective to enjoy the benefits
access to the benefit of the beneficiaries must be in possession at the date of application, the following personal qualifications:
a) title on the property covered by the loan agreement;
b) ownership of a loan amount paid up to € 250 thousand in amortization of at least one year;
c) the equivalent economic situation indicator (ISEE) not exceeding 30 000 euro.
The requirements
Qualification and 'the incident subject of at least one of the following events, such as to determine the beneficiary's temporary inability to provide for the payment of installments to their natural expiry date:
a) loss of employment for an indefinite period or term of the employment contract or quasi-subordinate treated with no less than three months without a new employment relationship;
b) death or development of conditions for long-term care one of the members of the family, where they both breadwinners for at least 30 percent of total taxable income of the household residing in the home of the beneficiary,
c) payment of medical expenses or home care documented in an amount not less than € 5 000 per year;
d) expenses for maintenance, renovation or functional adaptation of the property covered by the loan incurred for the necessary works and can not be postponed for an amount directly attributable to the household residing in the home of the beneficiary, not less than € 5 000;
e) aumento della rata del mutuo, regolato a tasso variabile, rispetto alla scadenza immediatamente precedente, direttamente derivante dalle fluttuazioni dei tassi di interesse, di almeno il 25 per cento in caso di rate semestrali e di almeno il 20 per cento in caso di rate mensili.
Caratteristiche abitazione
L'immobile non deve rientrare nelle categorie catastali A/1, A/8 e A/9, non deve avere le caratteristiche di lusso e deve costituire l'abitazione principale del beneficiario alla data di presentazione della domanda. Le modalità di presentazione della domanda.
The aspiring beneficiary must submit to the bank granting an application for suspension, using the model that will be available on the Treasury Department (www.dt.tesoro.it / fondomutuiprimacasa - site still under construction), indicating the period of time for which you intend to use the suspension of the rate of pay f. dumb.
The request must contain, in addition to the ISEE certification issued by an authorized person, the demonstration that inhibits the payment of installments.
If it appears that the granting of the facilities was determined by false statements or false claims including documents made by the beneficiary or other person competent to issue the documents, the operator, after notification of the accusation to the law, provides for the withdrawal of benefits for themselves and send the documents to the court.
The withdrawal of subsidy to the beneficiary entails the obligation to repay the Fund, within the limits set by the revocation order, the sum paid to the bank, revalued according to the official indices of inflation relative to the ISTAT "consumer price index for families of workers and employees' fees plus interest at the statutory rate.
Timing
The bank acquired the documentation submitted by the beneficiary and verified the completeness and formal regularity has 10 days to send it to the Solidarity Fund (with legal entity managed by a Venture fully public), stating the cost.
The Fund will examine the case and provide any authorization to the credit institution within 15 days.
Acquired the green light to the bank, within five days of receipt of the response of the Manager, comunica al beneficiario la sospensione dell'ammortamento del mutuo e ne dà comunicazione alla Banca d'Italia, ai fini dell'attività di vigilanza.
La banca, una volta che il beneficiario, anche prima della scadenza del periodo indicato nella domanda, abbia ripreso il pagamento delle rate, comunica al Gestore, entro cinque giorni, l'ammontare dei costi e degli oneri finanziari sostenuti per la sospensione dell'ammortamento del mutuo, chiedendone il rimborso.
Entro quindici giorni dalla richiesta il Gestore provvede al pagamento della somma dovuta alla banca.
Ringraziamo l'avv.Massimo Chimienti for collaboration and information that regularly sends us.
