Loan And Mortgage Information

Should you overpay your mortgage installments?

There’s a simple rule when it comes to debts. Unless the debt is interest free, continuing to borrow the money is costing you money. If you can earn interest on savings or get a return on other investments, it usually benefits you to pay off the debts and invest your money. Except, if you are [...]

Loan modifications and refinancing

No matter how careful people are, debts can get on top of them. For almost every family, the monthly mortgage installment will be their biggest payment. If there’s an emergency of some kind and more money has to be borrowed on a loan or credit cards, this can disturb the delicate balance between paycheck and [...]

New low Euribor 1.83%

Incredible is falling dramatically as the Euribor.
Only a year ago told the climb to levels highs and today we are with the Euribor rate at 3 months to 1.83%.
A historic low and as it counterbalances the weight of the past.
Already some reports were received of the new adjustments rata lighter than before and will continue [...]

Mortgages Movirata, adapts to your income

Loan from bank Movirata Etruria.
A new type of loan to suit upon swinging of the income of Italians.
The idea is to change the amortization in relation to the ability of the borrower.
In addition to this there is a suspension of payments for 12 months, but the time limit for consecutive terms not to pay the [...]

Braking the banks on loans to fixed rate

Federconsumari Adusbef requested an investigation to determine the nth behavior “unfair” by some banks to the detriment of millions of consumers. Many citizens, who wish to apply for financing with fixed rate, say that they feel “the bank no longer offers a fixed rate mortgage.”
In parallel, some banks have already changed or are changing the [...]

Subsidized loans for homosexuals

Arcigay The Lesbian and Gay Association was able to conclude an agreement with a branch of Italian bank BHW Bausparkasse AG.
Thanks to these agreements, the bank will provide loans with a lower spread of 0.15%.
The only clause to be observed is the property and that the two people live.
Republic has also published statements on which [...]

ECB cuts rates by 0.5% as announced

As announced a few days ago the central bank has decided to cut the cost of borrowing by 0.5 percentage points. The British bank has followed the lead of the same decline.
Hoping that this moves closer to new markets, the statements show that this may not be the last fall:

The President of ECB Jean Claude [...]

4% rebates on loans Variables - Provisions

As my article of February 22 last year, found now on discount loans, variable rate of 4%, with a measure of the revenue n.32583, you specify the provisions implementing Article 2 paragraph 3 of the Decree Law 29 November 2008 n.185, which explains the procedures for communication to banks and financial intermediaries of the taxpayers, [...]

Euribor and Irs in downhill ….

Euribor interbank rate at three months, fell by more than 3.5% compared to October 2008, bringing families to an average saving of 200 Euros per month, which can reach to over 400 for a thirty-year loan of 200 thousand Euros. These are the data processed by Mutuionline, which are based on the rate of 1, [...]

Rate of Suspension and Solidarity Fund

With the entry into force of the decree implementing Tremonti Bond on the suspension of payment of installments of the loan for the workers in layoffs or property of the unemployment benefits, legislation designed to alleviate the suffering of many Italian families, many users complain survey conducted by Mutui24, forum de “IlSole24Ore”, the speed of [...]