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loans, the rate only read from 2009

Tremonti: a table with consumers to resolve the knots and petrol bills

Di Stefano Lepri
secure the mortgage you can switch banks without charge to the notary, maybe the rate will remain at the old IRPEF deductible amount, before the renegotiation, the 20 million under the budget law for those who have difficulty paying will go to those who have already suffered the seizure of the house. Economy Minister Giulio Tremonti so perfect agreement with the banks, but which will start from 2009 and will allow those who have an adjustable rate mortgage to pay installments in 2006, and meanwhile announced a comparison with the consumer groups' also full of bills and gasoline. " In the early days, consumer groups had been critical about mutui.Una long meeting at the ministry has persuaded the other night many, if not all.

The key point is that on which he also insisted yesterday the Antitrust Authority: banks to compete among themselves. Some have already offered better terms than those established between ABI and the Government with the free people who want portability renegotiate the mortgage to choose from. According to the Antitrust Authority "should be explicit in the agreement" between government and Banking Association (ABI) "the possibility that individual banks to adopt more favorable terms with respect to the measure." Otherwise, customers may be led to believe that the criteria of the Convention (the arithmetic average rate reported rates of 2006, the IRS postponed payments over 0.50) are immutable. The costs of the notary Tremonti is clear: "to clarify the absence of costs, in particular notary" if necessary "with a provision of law." The agreement, the minister said, "is a matter of civilization, is made for the peace of families."

The text will be known in thirty days. Within three months, banks will have to get customers to their proposals in the autumn, renegotiate, 2009 shall be effective from the lower rate. The times are not short. According to market forecasts, rates remain high in 2008, then begin to come down, both because the European Central Bank lowered its reference rate (currently 4%) and because the result of the financial crisis will bring the Euribor, which many variable mortgages are hooked, closer to the ECB rate. The worst phase, 2008, must still be addressed at the highest rate. Moreover, it ensures Tremonti, who also will be allowed to renegotiate the time is past due for up to six installments.

And if any bank does not join? "I do not think it suits them," answered the minister of Economy, politely threatening. The president of the bank Corrado Faissola, also attended the press conference, is concerned that the government plans to tax more the banks: it is true that their profits are high, but lower than that of many competitors Europe, and already heavily taxed, he said. The shadow minister of the Democratic Party, Pierluigi Bersani, said that the conversion of Tremonti to the portability of loans is "hypocritical" because in 2007 the center-right "was up against the aggression." With consumers' will set up an observatory for the transparency of the calculator. " The dialogue on fuel bills and will open soon, according to the Ministry of Economic Development.

Source: www.lastampa.it