You are in
Whatsapp
Twitter
Facebook
LinkedinSurvivors family members
-
-
Publication: 3 April 2017 Latest update: 22 May 2022
What is it?
It is a claim for succession in the ownership of the loan agreement upon the death of the holder.
Who is it aimed at?
The surviving spouse or, in his/her absence, by the children who are members of the family unit as identified by the Reference Regulations (i.e. those in force at the time the mortgage claim was submitted by the mortgage holder).
The children, if minors, can take over the loan, under the guardianship of the person designated by the judge.
How does it work?
In the event of the death of a borrower, who is the sole holder of an INPS mortgage loan, during the amortisation period, it is permitted, subject to the online submission of a claim, for the spouse or children to succeed to the loan if they are members of the family unit, as identified by the relevant regulations.
In the event that the property is inherited by different parties:
- the amortisation is interrupted on the date of death of the mortgage holder;
- the inheritors of the property will pay off the loan in full immediately.
The claim for succession can be made by accessing the reserved area of the INPS site, through the dedicated service, by the following subjects:
- the spouse of the borrower;
- in the absence of the spouse, the children of the borrower;
- if there are only minor children, by the guardian.
The guardian submitting the claim must:
- login with your credentials;
- enter the details of the legal appointment order.
The loan will then be transferred to the guardian.
At the end of the preliminary investigation of the claim by the provincial offices, the loan will be registered:
- to the surviving spouse;
- to the children. The children must be part of the family unit, as identified by the relevant regulations.
The new holder may not be a member of the Unified Scheme of Credit and Social Benefits.
If the claim is rejected, a notification is sent to the interested parties.
INPS provides a Guide for preparation of the succession claim in question (pdf 3.8MB).
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.