The “House Plan” launched by the Council of Ministers in question by the government could double in a decree law and draft law.

On the one hand the new possibility to build new housing for housing and economic plans of the other peoples the opportunity to sell the same property to the locals. Other the possibility of expansion of cubic and surfaces.

Today in various newspapers, “the sole24ore”, “Rome”, “Gazzetta di Modena”, the news that opens a window of opportunity for all those people who reside in public housing in order to buy the house itself, through soft loans and even changing the rent in the mortgage, even if it was not yet decided whether this legislation will become part of the decree that the Council of Ministers will launch next Friday on the “House Plan”, but as the saying Well begun … … … … …. Is half done!

In addition, about 550,000.00 Euros was allocated for new buildings to be allocated primarily to young couples, followed by the elderly and students, which in time will redeem the country by offering subsidized loans.

This measure provides for the development of a plan of divestiture of assets ERP (People’s Economic Construction), giving support to vulnerable families, who might buy the house they inhabit, after due review by the Government of the rent is paid regularly to avoid delinquency and abusiveness.

Tags : Home, House

With the entry into force of the implementing decree Tremonti Bond, concerning the suspension of payment of mortgage payments for workers on layoff or recipients of unemployment benefits, legislation aimed at alleviating the suffering of many Italian families, many users complain survey conducted by Mutui24, forum de “IlSole24Ore, the failure to quickly lure of this decree.

In fact to complete the process leading to the adoption of the facilities it will take time: Technically the decree merely speaks of “short-term interventions to help families in need on those loans for the purchase of a principal in return request to the banks for the underwriting of bonds. And the press with which the Ministry of Finance has accompanied the signing of the decree which calls on banks to make available “for workers in layoffs or recipients of unemployment benefits, suspend the payment of the installment loan for at least 12 months’.

Banks interested in issues of bonds will first sign a protocol with the Ministry with details of users and providing access to facilities, which will surely by the time. Not only that, there’s also the question that the actions planned by DL will not affect all borrowers, but only those who signed product groups will advance to the bank that actually Tremonti bond (including Intesa Sanpaolo, UniCredit and Monte Paschi Bank popular).

Many banking groups have in fact developed in recent months programs devoted specifically to aid customers in difficulties with the payment of installments, among them the same UniCredit (with the program “Together 2009″) and MPS, or have launched products that provide the suspension of the installment for certain periods or the occurrence of specific events such as the loss of their employment.

A solution can resolve most situations regardless of whether the bank has requested the Tremonti Bond or not, is that of the “Solidarity Fund” to the benefit of loans for buying a first home that provides for the suspension of up to 18 months for who can prove that it is unable to meet payments.

Good news to date is that the timing for the activation of this facility could be ripe, as the decree has established anti-crisis by the end of March (60 days from the date of conversion, which occurred January 28) the term up for ‘adoption of the Rules of the Fund by the Ministry of Finance.

In contrast to the loop bond Tremonti today publishes this news:

(ANSA) – ROMA, 19 MAR – The credit squeeze intensifies and affects a growing number of companies unable to obtain the loans required. A stress and ISAE survey among 7000 companies, for a total of 50,000 interviews. The results show that among manufacturing firms in February to 8% did not obtain the required expectations, in large part to a rejection of the bank itself. This is a rate almost double compared with a year earlier.

Twice last year, means an equally tightening credit that will further crisis.

It seems that despite the possibility of using the facilities state banks do not want to take the risk and the commitment to a policy even more risky to make a loan. Not only in normal parameters, but prefer to restrict to an even more severely the supply of liquidity.

The result is a general slowing of any economic recovery or otherwise encounters more difficulties for all those companies that need funding to meet commitments have occurred in recent years.

In the long term bond nicknamed Tremonti able to get us through this announcement and now close to the initial level of credit?