August 2009

Monday, August 31, 2009

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Refund Loans Mortgages, Loans

"I'm going to stop to ask for the" top 4% 'and not even know what it is, "writes Claudio from Reggio Emilia. "I spoke directly to the director, but did not know if taking in the spread of 4% or less, and still asked me to not relied on because it was just a bill," said David Catania.

Vito instead was told that, given the fall in Euribor, "the mortgage is so convenient to wait a while 'is the minimum," while Paul gave assurances that "everything they hope to close by year-end."

are many examples of this tone that readers have sent in 24 mortgages on the refusal of the facilities provided by the Dl crisis (now launched 9 months ago) to the benefit of variable mortgages. All or almost, because some customers report that they have received a letter from the bank that promises the payment of the balance and some more fortunate that it has actually already received. "But no one explains how it was calculated, how do I know that the figures are right?" adds Angela Bari

Hence something is moving, and September could be really good month to finally get the subsidy. Plus 24 on newsstands tomorrow has prompted the major national banks as they are organizing to ensure the settlements and also addresses the issue of mixed-rate mortgages, which could turn in yet, "Italian-style pie."

Street: www.ilsole24ore.com

Wednesday, August 26, 2009

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September 2009

are in list prices, but remain in the drawers of the subsidiaries. There is talk of ECB rate mortgages, mortgage loans that have as a benchmark for calculating the rate the rate set by the European Central Bank. The survey shows a clear tendency in the subsidiaries not to offer the product. The advantages of a mortgage (almost) unknown

are in list prices, but remain in the drawers of the subsidiaries. There is talk of ECB rate mortgages. Those mortgage loans, that is, that as a benchmark for calculating the rate, the rate set by the European Central Bank, which is now 1% (the lowest rate) and maybe even come up to a distance 0 , 50% by the end of 2009. The other variables are parametrari Euribor, which is a likely value of the humors of the international market and that a month has started to rise again after be precipitated from 5.38 to 1 October 2008, 24% today. It 'basically a rate policy, the ECB, which should be protected from speculation in the markets: the Euribor, in fact, ricominicato a slow climb from mid-May.

To speak first of the ECB's variable rate was the Bank of Italy Governor Mario Draghi, the end of October 2008, the month notorious for overheating in interest rates. "Because of the tensions in the interbank markets and the scarcity of trade," remarked the Governor during the day of savings, "the Euribor not more adequately reflects the costs of collection. Looking forward, it is appropriate that banks use to index variable-rate mortgages parameters more closely related to the actual cost of borrowing. "She had echoed Lorenzo Bini Smaghi, member of the board of the European Central Bank, which was deployed on the positions of Draghi, saying flatly that "the interbank rate is totally out of line and pay the price are the citizens who have their mortgage indexed to Euribor."

investigation for MigliorMutuo OF 2009, ongoing these days, shows a desolate scene: the tests made in branch showed first of all a lack of knowledge of the product by the bank ("I have to ask," "I do not know," was the most frequent response). Secondly, and this is more serious, have not shown a clear willingness to give the product to whoever requests it explicitly. Why? The responses were varied: the sincerest has put his finger on the "convenience" means the ECB rate mortgage is not at all a good deal for the bank, because the rates are too low. But on the contrary a great deal for the customer.

Mutual ECB instead of drive?

For example: if you ask your mortgage ECB today, the departure of Tan is on average (see table below) of 1, 85% (but in fact the actual average is 2%), while the coupled to a variable Euribor is equal to 1, 4% (although the spread of the variable is still climbing, and some banks have already attested to 1, 6%). It means that an ECB loan costs about 25% more. A loan of € 100 thousand in 15 years has a starting rate of € 690 if you require a mortgage of ECB and € 680 if you require a traditional variable. This is because the spread increased to eliminate the advantage of the ECB reference rate (ECB = 1% against 1.24% in the three-month Euribor). Despite this "architectural barriers" raised by the banks, the ECB is mutual beneficial, because it is expected that the rate drops to almost zero share in the coming months, to remain fixed for a period not less than 3 years with the possibility of gradual deviations, "political," aimed at families. In summary, mutual ECB, while variable, might be a valid substitute for fixed, now at a disadvantage compared to the variable by 3 percentage points. Which is really a lot, also calculating short payback periods (5 to 10 years).

only exceptions, BPM and Ing direct: in the first case, the mortgage subsidiary is known, but it is difficult to obtain unless you are a customer for several years. For ING, this is a mortgage online, and the response was fast as always.

Street: http://www.osservatoriofinanziario.it

Tuesday, August 25, 2009

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ECB's variable rate mortgage rates will rebound in 2012, now the Euribor and 'lows

Nuovo minimo storico toccato dall'Euribor. Ma entro il 2012 i tassi torneranno a salire

L’Euribor a tre mesi, ovvero il tasso di riferimento per i prestiti interbancari, ha registrato un nuovo minimo storico, arrivando a quota 0,849%. In discesa anche la scadenza a sei mesi, da 1,111% a 1,107%, mentre la scadenza a una settimana è risalita da 0,342% a 0,345%.

Per i consumatori che hanno aperto un mutuo per la casa basato su tasso variabile, il nuovo minimo storico toccato dall’Euribor is good news, because it is the main reference rate for variable rate mortgages. In other words, more than the Euribor drops also decreases the monthly payment to be paid to pay off the mortgage. This is a trend that lasts at least a decade, but is intended, according to analysts, to reverse. There are many experts and market observers speculate that a future resumption of inflation. Most economists, specifically provides that the three-month Euribor will again rise as the global economy will begin to write the first substantial signs of recovery, perhaps as early as the end of the quarter.

Recall Euribor is taken as the parameter not only for adjustable-rate mortgages, but also for other forms of investment, such as variable-rate bonds, some mutual funds and derivatives contracts. Euribor future will be decisive in going the strategy of the European Central Bank.

waiting to learn the moves of the ECB, the markets show a 3-month Euribor, which will remain unchanged for September, to 0.82% and below 1% even at year end. By the end of 2012, however, the Euribor looks set to pull up and get 3%.

Street: http://www.businessonline.it

Tuesday, August 11, 2009

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suspension of mortgage payments for those on a case - Banco Popular

Banco Popolare (which is part of the Credito Bergamasco) suspend the payment of installments of loans to workers in distress. The aid, intended for example to workers in case integration was made possible thanks to an agreement with the Ministry of Economy: the suspension can be up to 12 months at no cost and with a consequent prolongation of the repayment period.

from the end of last July, are entitled to suspend all subscribers of a loan for the purchase primary residences that have benefited from measures of income support for suspension from work (wage supplementation ordinary or special) or have lost their jobs are employees or are in possession of the requirements for the award of a lump sum of Article 19, paragraph 2.

The applicant should simply go to the door where it maintains its relationship loan, forward the request for suspension: INPS will then provide confirmation to the bank by providing information on its database.

The suspension of mortgage payments is accompanied by a series di altre iniziative: dalla possibilità di rinegoziare la durata o il tipo di mutuo, alla proposta di un pacchetto completo per la portabilità del mutuo.

Via: http://www.ecodibergamo.it/

Monday, August 10, 2009

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portability calculator: Good news for mortgage holders

A circa due anni di distanza dallo scoppio della crisi sui mutui subprime, partita dagli Stati Uniti ed allargatasi poi al resto del mondo, con le conseguenze ancora oggi ben visibili, per i titolari di un mutuo in Italia ci sono notizie positive. Da due giorni sono infatti entrate in vigore le norme sulla portabilità del mortgage (subrogation). The Dl Anti-Crisis (78/2009) Art. 2 provides that banks seeking to lengthen the time for the transfer of the loan at no cost to another financial institution will incur a penalty. With the new rule, if, after a period of 30 days from the request by the new bank to the bank outlet, the mortgage has not yet been transferred, the holder of the loan can claim compensation of 1% of value of mortgage for each month or fraction thereof, of delay. The penalty shall be paid by the bank outlet, which, however, could claim against the new bank if the reasons for the delay were attributable to it.

Since where, over two years ago, came into force on the assignment, such situations have in fact occurred very frequently, so that the Antitrust Authority fined in August 2008, with 23 banks for a total of about 10 miliioni euro. The Administrative Court annulled the penalty, however, and soon the State Council will again give its opinion.

With the introduction of new rules and greater ease of transfer of mortgage from one institution to another, the attention of holders of mortgage from now on will therefore be more focused on the trend of interest rates and conditions offered by various banks, that could lead to savings very significant even after many years after the conclusion of the mortgage.

Street: http://www.viacasa.it/

Saturday, August 8, 2009

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"I pay two mortgages for 14 years and I do not go on vacation." "At the bank to more than half salary" They come up

The mirage of a house I am 36 years old, a biology degree, I live and work in Milan. For years I lived with scholarships and co.co.pro., Supported by parents. Now I've found the famous permanent position but the problems seem to increase. The 'only way to live is rented and shared. I buy a house but with a salary of € 1,300 you can not even aspire to 30 square meters.

Noi "forzati" dell' affitto Tornata dalle vacanze mi sono messa a fare conti e proiezioni sul mio reddito, che è vincolato - a 32 anni - a un contratto precario. I tassi di interesse sono così alti che per comprare un bilocale, prezzo medio 180.000 euro, bisogna restituirne alla banca almeno 35 mila euro in più, con rata mensile di 860 euro al mese, ben oltre la metà del mio stipendio. Trucchi di sopravvivenza Ho un mutuo ventennale a tasso variabile stipulato 4 anni fa. Posso però rinegoziarlo ogni 2 anni. Per cui un piccolo consiglio (psicologico): contro gli aumenti non possiamo far nulla, ma con due calcoli forse si scopre che poteva anche andare peggio. Sacrificarsi come i nonni Ho 37 anni e due mutui sulle spalle: il mio di 1.066 euro su stipendio netto di 2.600, più quello di mia madre vedova.

Ma anziché lamentarmi, mi sono dato da fare per risparmiare (14 anni senza vacanze), e per fare un minimo di carriera, come avrebbe fatto mio nonno. L' appartamento l' ho acquistato in due mesi su internet, senza mediazioni. Il mutuo tramite un broker on line; e la banca me l' ha concesso in 5 giorni consigliandomi il fisso. Il tasso fisso conviene Ho fatto un tasso fisso quando i tassi erano al minimo (2003) e ovviamente conveniva il variabile. Ma davvero qualcuno pensava che i tassi sarebbero rimasti ai minimi per sempre?

Meglio cambiare tasso Ho cambiato mutuo, ne ho sottoscritto uno online a tasso fisso e saldato il vecchio a tasso variabile. Ci sono dei costi ma mi sono messa al sicuro per i prossimi 25 anni. Problema che non ha età Il problema riguarda tutti, non solo giovani e single. Due anni fa la nostra rata di mutuo era di 1.200 euro/mese, ora ha superato i 1.500. Mio marito è rimasto senza lavoro. Non ci resta che venere la casa.

Tutta colpa dell' euro Prima dell' euro le case costavano la metà. Ho un mutuo ma ho acquistato casa quando i prezzi di riferimento erano ancora in lire. Oggi nel mio palazzo vendono gli appartamenti al doppio. Ma gli stipendi non sono raddoppiati. Proprietario in Germania Un anno fa ho deciso di trasferirmi in Germania e adesso, a 29 years, I have a home in the semi-periphery of a large city, I pay a mortgage that allows me to other expenditure on luxuries. And the mother returned to visit her once every two months with a low cost.

Street: www.corriere.it

Friday, August 7, 2009

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requests of mortgage loans in the U.S. Two

According to the index established by the Mortgage Bankers Associacion, United States Weekly mortgage applications rose 4.4%, returning to see a positive sign. The figure shows in particular an increase of 7.2% of applications to refinance a loan already 'in progress.

According

la Mba il dato e' stato supportato dai tassi in calo sui mutui a tasso fisso, sottolineando come su base annua il totale delle richieste sia in crescita del 18% rispetto alla stessa settimana di un anno prima. Va ricordato che l'indagine della Mba per elaborare l'indice copre circa la meta' di tutte le richieste di mutuo residenziale negli Usa.

Via: http://miaeconomia.leonardo.it/

Wednesday, August 5, 2009

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the same property, possible?

Io e il mio compagna abbiamo visto una casa di due piani e vorremmo comprarla per farci un b&b. L’immobile costa 400.000 €. E 'can take two different loans to 200,000 in two different banks? It 's a thing feasible?

E 'virtually impossible since there tied to the loan' on the ignition of the mortgage on the property. In accordance, in fact, when all of the mortgage loan is made to the bank on the unit 'of the property being financed. The mortgage is a guarantee that protects the bank and is publicly registered real estate to make it public.

So you can 'practice. The board and 'whether there are advantages municipal, provincial or regional small business. They are, in fact, many national laws, and even more 'regional ones, which allow grants, soft loans and tax benefits or contributions to those who want to start a new facility.

Street: http://miaeconomia.leonardo.it

Tuesday, August 4, 2009

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MORTGAGE: support for families of Padua suspended for 12 months installment

provides a protocol between the prefecture , provincial government and banks. This is the first home mortgage discounts and allowances to workers

Residents of the province of Padua, who got a mortgage and to difficulties encountered related to the economic crisis, they have lost income or even employment, or - if employed or quasi-employees - were fired or in a wage supplementation, can now count on the benefits of the memorandum of understanding signed today in the prefecture by the Prefect Michele Lepri galleries, the Provincial President Barbara Degani and 16 banks.

Two support measures:

• the block - for a maximum period of 12 months - for payment of installments amortization of loans for first home in favor of the residents in the province that prove to be in financial difficulty;

• anticipation, by the banks which signed the Protocol of severance pay to workers INPS Redundancy Fund in ordinary or extraordinary, even by way of derogation, suspension, mobility or unemployment, in case of delays to the collection and concessional terms.

The agreement 'crisis' is a result of the work of the Provincial Board for the monitoring of credit established at the prefecture of Padua, to meet the needs related to economic and financial situation land, has set in motion a network of cooperation.

institutions that have joined the Protocol are: Banca Antonveneta (Gruppo Montepaschi), Banca Popolare di Verona, Cassa di Risparmio del Veneto (Gruppo Intesa - San Paolo), Unicredit Banca Veneto Federation of Banks and credit unions .

Street: www.interno.it

Sunday, August 2, 2009

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Mortgage Crisis: Measures on short-term loans and share capital payment calculator mortgage loans

ROME, Aug 1 - Monday should be approved 'by 'Abi and associations of industrialists, merchants and craftsmen for a moratorium on the draft credito. Secondo quanto l'ANSA e' in grado di anticipare, il testo contiene l'allungamento a 270 giorni delle scadenze del credito a breve termine per sostenere le esigenze di cassa'' con riferimento alle ''operazioni di anticipazione su crediti certi ed esigibili'', e la sospensione di 12 mesi del pagamento della quota capitale di rate di mutui e leasing.

Via: www.ansa.it

Saturday, August 1, 2009

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grow in 1st half of 2009. Growth due largely to the replacement operation

Più domande di mutui nel primo semestre dell’ anno, esattamente il 4% a parità di giorni lavorativi. Un dato apparentemente soddisfacente su cui però weigh requests for replacement. Moreover, the decrease of 17% of sales in the first quarter of 2009 leaves little room for 'optimism.

In June, according to data EURISC - CRIF, the demand for household loans was positive for the fifth consecutive month: +8%, for the same days, compared to the same month in 2008. The credit information system EURISC - Crif collects data from more than 70 million lines of credit, the vast majority of lending to the retail market.

Specifically, May and June 2008 were the first few months of consolidation of the negative trend in demand for loans, followed by the collapse of year-end. Since February 2009, the 'reverse trend: the demand for loans, supported by the operations of the renegotiation of existing loans, is back in positive territory. In March, reached the top, +21%, to settle back down to '8% in May and June.

'The end of the tunnel and the return of confidence - says Enrico Lodi, general manager of Credit bureau services Crif - is further reflected in the' analysis of aggregate demand in the first half of 'year the total growth was 4%, to values \u200b\u200bsimilar to those of 2007. "

But how important are the requests for 'buy houses? The 'last dato è relativo al primo trimestre e rappresentavano poco più del 40% del totale, in netto calo rispetto al passato; le sostituzioni, in grande crescita, pesavano per il 30% (dal 25% del trimestre precedente), mentre ristrutturazioni e liquidità incidevano ciascuna per il 15.

“Pur tenendo conto delle rinegoziazione - conclude Lodi - il trend positivo della domanda di nuovi mutui, specie se confrontato con le richieste di prestiti, trova spiegazione nella logica dell’ investimento. Inoltre, nell’ ultimo semestre, ha contribuito il calo dei tassi”.

Infine, nel primo semestre sono calate sia le classi di importo più elevate (oltre i 300 mila euro e tra 150 e 300 mila) sia i mutui superiori ai 25 anni.

Via: www.ilsole24ore.com