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Publication: 6 September 2019 Latest update: 1 August 2023
What is it?
The new mortgage loan regulations (approved by Presidential Decision 101/2018 and amended by Resolution of the Board of Directors no. 23 of 2022, art. 21(5)) provides for the possibility for the mortgage holder, registered with the Unified Scheme of Credit and Social Benefits, to claim the renegotiation of the rate.
Following renegotiation:
- the rates established by Decision of the Body vested with the powers of the Board of Directors no. 12 of 29 January 2020 will be applied;
- it will not be possible to claim renegotiation to move from the fixed rate to the floating rate and vice versa;
On the other hand, to discover how to request a change in the rate from variable to fixed and vice versa, read the relevant information sheet.
Who is it aimed at?
It is aimed at:
- those enrolled in the Unified Scheme of Credit and Social Benefits;
- holders of mortgages.
Applies to all mortgage or subrogation contracts:
- with semi-annual or quarterly or monthly depreciation in line with payments;
- who, at the time of submitting the claim, applied an interest rate different from that approved by decision no. 12 of 29 January 2020.
How does it work?
Renegotiation (pursuant to Article 21(5)):
- is prepared by the Credit operators of the competent Headquarters/Regional Credit Pole;
- is signed by the Director of the Provincial Headquarters/Regional Credit Pole Headquarters/Metropolitan Directorate Headquarters of the latter;
- is signed by the borrower;
- there are no charges for the borrower.
The new (renegotiated) rate will apply:
- only after acceptance of the new renegotiated rate;
- after signature of the Renegotiation Deed.
Claim
REQUIREMENTS
To access the benefit, you must have made all due payments, including the instalment immediately prior to submitting the claim.
For the application of the new renegotiated rate, a borrower with a fixed-rate loan is required to communicate either:
- use of the PagoPA bulletin;
- an active Sepa DD mandate.
WHEN CAN I CLAIM?
A claim can be submitted every year in the following time windows:
- from 1 April to 30 April with acceptance by 31 May;
- from 1 October to 31 October with acceptance by 30 November..
HOW CAN I CLAIM?
The claim must be made online using the appropriate service.
Processing times of the decision
The deadline to define the decision was set at 30 days by the Regulation for the definition of the terms to conclude the administrative proceedings adopted by INPS pursuant to Article 2 of Law no. 241/1990.
The table attached to the Regulation shows both the deadlines for defining the decisions established by the Institute that are longer than the normal 30-day period, and the indication of the relative manager.