Mortgages, Abi: no foreclosure risk “It ‘s just a chance to be agreed” – TGCOM

 
 
 

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Video Tgcom24 – Economy

March 2, 2016

In the case of seven unpaid installments, the legislative decree transposing the EU Directive provides for the possibility of skipping expensive judicial executive procedure. Banners of grillini in Parliament: “The house does not touch.” Four expelled from the Chamber

 
 
 
 
 
 
 
 
 
 

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23:37 – The news immediately made me shudder: foreclosed home with seven installments of the mortgage do not pay. But the president of the ‘ Abi , Antonio Patuelli, ensures that that passage, contained in a European Directive, was not incorporated in the legislative decree in the approval process at the Finance Committee of the Chamber. And just in committee and in the House broke out brawl: protesting M5s.

“No risk exists – but says Patuelli -. It’s not about the past and it is left to the free choice” .Quel detail, he adds, “it was not required by ABI”. And, if it is indeed a point of the directive arrived from Brussels on the matter mortgage , the government document transposing the directive “relates only eventualities, possibilities for the future – says Patuelli -. It ‘one thing left to free negotiation between families and banks. It has nothing to do with the past and with non-performing loans. ”

The foreclosure cases … – In fact, the foreclosure case after seven unpaid installments really exists. But, as pointed out technical of the Senate, it is not a transposition of the European Directive but a provision already provided for in the Banking Law. A chance anyway, not a certainty. What changes with the Directive is that the bank may adopt procedures to manage relationships with consumers in difficulty in payments and that, when you conclude new mortgages, the parties may agree the possibility of skipping the judicial “long and complex enforcement procedures” extinguishing the debt with the transfer of ownership of the property to the bank, subject to the right of the excess debt. In short, an agreement between the parties that eliminates the appeal to the judge and associated red tape.

… and the Fund loans – In addition, the Ministry of Economy remember that there is a mutual fund that allows you to pause for up to 18 months for payment of the installment to providing interest on outstanding debt during the period of the stop. An important aid for home buyers, they say the Treasury, noting that the EU directive, which refer to a claim secured by a mortgage, has been so welcomed in the text of the decree, but choosing “to introduce consumer protection elements” in that directive were not there.

M5s Protest in committee and in plenary – To prevent the discussion of the legislative decree transposing the Directive on mortgage loans, the Movement 5 Star has first occupied the hall in front of the Finance Committee exposing a sign “the house is untouchable”, then he protested in the house during question time. The committee began the session after the 5stelle released the corridor, but the Vice President of the Chamber and the directory component M5s Luigi Di Maio has announced that “this provision shall not vote thanks to our blocking action of the Committee and then try to stop it in another way. the hell with institutional correctness, with the house no joke! “.

” the government – says Di Maio – says he has never pulled back from confrontation, but this measure the comparison can not be done, it’s a joke, had to think about it first. the Commission’s opinion is not binding, so the government, if it really wants to talk to, or withdraw, or change it or delete it. ”

Four expelled from the Chamber – Then the banners have moved in the House and M5s MPs waved them right up to the presidential desk where the same Di Maio drew all ‘ order parliamentarians. Three expelled from 5stelle: Marco Brugnerotto, Iva Della Valle and Nicola Bianchi. Expelled even the Democratic Party Emanuele Fiano, also he fell to protest at the chairman’s desk to complain about the attitude of pentastellati

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Credit

Antonio Patuelli