Italians do not like banking.
probably because the costs are the most expensive in Europe and why we do not
there is genuine competition between operators. For this reason, perhaps, between the sheets
Pierluigi Bersani of the most appreciated by consumers have been those in
banking.
With the decree on the liberalization of 2006 was, in fact, provided for the abolition of
closure costs of the current account. But, you know, there
deaf as those who do not want to hear.
a note dated February 21, 2007, the Ministry is
was forced to clarify that the provision applies to all contracts of indefinite duration or
continuous or periodic such as the current account, deposit securities
in government (securities account), the opening credit, debit and
credit card with the exception of the loan agreement (for which specific measures were taken
).
Note that the prohibition of the costs of closing costs cover both
specifically mentioned in the contract as "closing costs", both
those relating to additional services required by the bank to the customer in the occasion of
& # 39; extinction ratio (ie counts liquidation
transferring securities from another institution). Judging by the complaints that come
National Consumers Union, however, many customers see
require sums not due just to discourage the closure of
account. The second
Bersani Decree (or "Bersani Bis) on the mortgages in the second
Bersani Decree has occurred, however, mortgage
for buying a first home. It was, first, provided the ban
application of penalty clauses in case the customer requires
or partial early repayment of the loan agreement and, secondly
place was covered the possibility of renegotiating the terms of
loan from their bank and the subrogation of a mortgage (cd
"portability" of mortgage) that is and the transfer of the loan to another bank
willing to engage in better condition. In both cases, the rules
tend to favor the ability of the borrower to terminate the contract without constraint
charges or fees and "carry" the loan from a bank other than on terms more
; advantageous. There is, however, saying that while
renegotiation of the operation is completely free of charge, the operation
of subrogation is in fact not completely free because they need the intervention of the notary
whose plot - as per commitment
National Council of Notaries - is limited to a few hundred euro and
whose spending is in most cases supported by the new bank
successor to acquire the customer.
But that effort to convince the banks that this was the path indicated by the legislature
: more than a year after the entry into force of these rules,
fact, there are few banks that implement the renegotiation
and "portability" of the loan at no cost to investors so that
the Antitrust Authority has opened twenty-three well-training at the expense of banks
more important.
Action in the 2008 Budget
Finally, the 2008 Budget has taken action which has changed the second
Bersani decree to try to actually make the free
renegotiation and the 'portability' and envisaged the establishment of a solidarity fund
to cover losses arising from the possibility, recognized
to borrowers in difficulty, not to pay two installments (for a maximum of 18 months
), in which case the duration of the loan agreement and guarantees would be linked to it
renewed for a period of time equal to
suspension.
Source: http://iltempo.ilsole24ore.com
