Women Strip For Free'

Mortgages: banks do not pretend to understand

The 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 21 February 2007 the Ministry was forced to clarify
that the provision applies to all contracts of indefinite duration or
continuous or periodic such as the current account in the custody
administration (account securities), 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
At the extinction ratio (eg counts of 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 requests the termination
Advance or part of the loan agreement and, secondly
place was governed the possibility of renegotiating the terms of
loan from their bank and the subrogation of a mortgage (cd
'portability & # 224; "the loan) that is transferring the mortgage 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 the operation
rescheduling 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 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 well
training at the expense of twenty-three 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 provides for the establishment of a solidarity fund
to cover losses arising from the possibility recognized
to borrowers in trouble, 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.