Waiting for it to resolve the mystery of the Imu, Italians who own their own home remain in suspense. But for those who are buying the house, there is a small breath of fresh air: home loans are becoming lighter, even if only slightly. According to the latest data released by Bank of Italy, between February and March interest rates on loans to households for house purchase fell from 4,61% to 4,54%.
Another category is that of Italians who have yet to take out a mortgage. For them there is an important new arrival: Isvap (the insurance supervisory institute) published the implementing Regulation on life insurance policies associated with mortgages, in implementation of the provisions of the liberalization decree. The rules will enter into force on July 18st and are the result of a public consultation - concluded on April XNUMXth - with subjects such as Ania, Sna (the national union of insurance agents), Abi, Adiconsum and Altroconsumo.
The Regulation provides for a new important obligation for banks. From this summer, institutions that require you to take out life insurance in order to take out a mortgage or loan will have to present customers with estimates from at least two different insurance companies, which in turn must not be attributable to the same banks. Thus, credit institutions are prohibited from playing the double (and advantageous) role of intermediaries and beneficiaries of mortgage insurance, confirming an Isvap provision that entered into force on 2 April.
Before the delivery of the estimates, the customer is granted 10 working days to analyze the market and check which policy is best suited to your needs. At the end of the deadline, it will be necessary to decide whether to accept one of the proposals made by the bank or to continue with the one chosen personally. Isvap will also publish a list of all insurance companies and their products.
