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The 2016 mortgage decree: expropriation of the first mortgaged house

The 2016 mortgage decree was approved by the government in April 2016 and provides for a new limit after which the bank can attach the mortgaged property. The most widespread form of mortgage in Italy, in fact, is the mortgage: this loan provides that, in order to facilitate access to credit for those who intend to buy a house, the building subject to the loan is used as a guarantee against the bank. The mortgage is a real guarantee, which reassures the credit institution of the possibility of making up for the exposure faced in the disbursement of the loan.

The question that many people ask concerns precisely when the property expropriation is triggered, it is often the first home, mortgaged in the event of non-payment of installments by the borrower. So when can the bank foreclose the house? The 2016 mortgage decree establishes that this measure is possible only after 18 unpaid installments . In fact, once this threshold is exceeded, the borrower is in default with respect to his contractual obligations and therefore may risk the expropriation of the house. However, this is an improvement on the previous proposals, which instead set this threshold at 7 unpaid installments, a much shorter period.

The mortgage categories to which these new rules on foreclosure apply are mortgage loans on residential properties

mortgage loans

But also those aimed at the purchase or preservation of the property on land or on a planned or built property. Furthermore, if the proceeds from the sale of the mortgaged property exceed the value of the accrued debt, the surplus is the right of the consumer . If they are lower, you can agree that the sale of the asset extinguishes the entire debt.

However, the approval of the mortgage decree introduces other innovations, aimed at greater consumer protection

mortgage loan,cash

First of all, banks are obliged to clearly display all the information regarding the loan and the charges borne by the user: this must take place through a standardized European Prospectus , the Pies, which describes all the pre-contractual information , that is all the data relating to the loan you intend to subscribe, so as to guarantee the highest possible degree of transparency.

The banks are then called to greater clarity with regard to the APR , the annual percentage rate: the decree clearly requires that the customer be informed in the best way possible about the methods of calculation of this interest rate, which does not only count the interests , but also all ancillary costs (including preliminary investigation, registration, insurance, but not the notary fees). In general, the 2016 mortgage decree defines the criteria of transparency, correctness and diligence that banks should adopt.

First home mortgage interest deduction: how to get it?


The deduction of interest on the first home loan is one of the tax benefits that the State recognizes to those who buy a property as their first home. In particular, this is the personal income tax deduction on interest payable which affects the financing of the purchase or renovation of the first home. This type of loan in fact provides for the recognition to the bank of interest expense calculated in the form of a percentage with respect to the capital provided by the credit institution.

The income tax deduction on the interest of the first home loan can be exercised for a cost of up to 4,000 euros, at a rate of 19%

home loan,  4,000 euros,

This means that the deduction is 19% and is calculated on a maximum expense in interest and ancillary charges of 4,000 euros: the maximum benefit will therefore correspond to 760 euros (equal to 19% of 4,000 euros). The expenses to be considered for the calculation of the deduction are the interest and accessory charges, excluding the capital portion.

This means that the deduction does not only concern the interests, but also other expenses, these ancillary charges, among which we can list the notary’s fee, registration fees, mortgage tax, cadastral tax, commissions paid to any banking intermediaries, technical appraisal costs, preliminary investigation fees and tax charges. The important element that must be remembered is that even adding all these expense items to the deductible interests, the deduction can never exceed 19% of 4,000 euros.

In order to access these tax benefits, certain requirements must be met

loan tax

Only those who have taken out the loan can enjoy the deduction. Furthermore, the property subject to the loan must be used for residential purposes and must constitute the first home: this means that the holder of the loan must not be the owner of the right of ownership, usufruct, use and habitation of another house in the same Municipality, not even in communion with the spouse, nor on another property in the national territory, for which it has already enjoyed tax benefits for the first home.

The house must then be located in the same Municipality where the beneficiary has residence or where he intends to transfer it within 18 months of purchase (this requirement serves to be certain that the beneficiary uses the house just like a first home). Finally, the property for which the interest deduction of the first home loan is requested must not be luxury.

Steps to follow to get you a loan

The steps to follow to get you an asnef favor pay with as fast a matter of minutes with extremely open. Calculation based on user comments. To request them, you have to fill in the recipes with the information that we ask, vote the amount, lean the quota of thanks and entrust the answer a few minutes. Mireia Olivé Expert in loans and financial genre in Financing. We will talk about loans without payroll and with payroll, without endorsements or with them and also without residence that guarantees them. Vivismos and we work in the network applying these criteria and for that reason we have aggressively offer you an informative web in which the houses of lenders and nanay banks have a minimum to advertise.

Being on a list of defaulters, your events can become a nightmare 

Today, tururú you will have that commitment, if you suffered a wait in the term of the sum of the phone now of the luminosity and this included you in ASNEF, with weebly you can monopolize an unexpected show with ASNEF. Thanks to the quick credits with ASNEF of weebly you will be able to perceive your advance without belonging that you are included in peace list. If you have other pending debts, it can be incredible to cover a mini microcredit now launched through an atavistic financial entity. Being on a list of ASNEF defaulters, your events can become a nightmare. The calls and the transport do not end at all, and nevertheless Tururú knows how to appear from this frame. Notwithstanding the fact that the group of fast-loan companies that grant mini-credits with ASNEF is present, in PepeDinero you will be able to bag diligent notoriety also if your data is included in the classifier. Then, in life means that you admit any deficit prototype, now you must subtract some conditions formerly from.

The cause is as bodoque as you have just deciphered: From the welfare of your burrow you can request the financing you need. It has the collaboration of a lender community to grant the decisions you make when you need to emerge from a shame. Both financiers deliver the collection without questions, without paperwork and without delays. Outgoing andnobal loans asnef buzz of Dean repercussion and allow you to undertake projects that can specimen of great significance to you, as can individual inaugurating a frustration now an outstanding compensation.


In both cases, it is committed to explain a germ of possible payroll or income


Singular of it, the requirements runrún the habitual ones, individual longevo of time, to settle down in Spain and to speak with affirmation of polo telephone and electronic messaging.

The steps to follow to get a confidence asnef in a matter of minutes with extremely natural. First, you must interpret the offers that financial companies have for you, now that they are updated often and present new amenities for customers. Compare the terms of obligation, the facilities inherit extensions and, above all, the capital or emoluments imposed on you in each toilet. Bunch use of the belongings that you have commissioned from your bank account.


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