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Tags : debt, debt consolidation

Within this week the Italian Banking Association (ABI) will send a circular to all banks that contains new provisions and the model of self through which borrowers can attest that he is eligible to access the discounts on variable mortgages under the decree anti-crisis (DL 185/2008, ratified by Law 2 / 2009), the so-called “ceiling of 4%.

The modules will soon be available in bank branches or directly downloaded from the website www.abi.it and are intended only for those borrowers not included in the lists submitted on March 11 by the Inland Revenue to individual banks (by mistake or because the loan was contracted between January 1 and October 31, 2008). For all others, to the State aid is automatic and requires no self-certification.

The document, which technically is a statement affidavit made pursuant to Presidential Decree 28 December 2000 No 445, must include the generality (or co-holders), the directions clearly identify the loan agreement and the characteristics that allow access to the benefit of State: rate is not fixed, the date of conclusion or assumption made before 31 October 2008; purpose of acquisition, construction or renovation of housing outside the main land categories A1, A8 and A9 (mansions, villas and castles).

Tags : loans, Mortgages

A Memorandum of Understanding was signed by the President’s ABI and the Minister Brunetta to facilitate access to public services through branches and innovative channels of the banking sector.

I.e. with the Project Goals friends was shaping up to be an instrument of modernization of public administration services, which will pass through the bank branches with less red tape and delays.

Soon it will be possible through the bank branch to withdraw a certificate or family status, renew your passport, pay a ticket or health INPS contributions through their account online.

This project, sponsored by Italian banks in cooperation with governmental bodies, and through the adoption of appropriate agreements can choose independently which services provide and through what channel, the only purpose of facilitating the citizens and businesses throughout the country.

Source: ABI News

Tags : Banks, loans, Mortgages

With the economic crisis of recent years, saving has become increasingly difficult and for this l Holland has had an idea very particular.

To increase competition among banks, but to give everyone the opportunity to get the money you thought of putting the savings at auction.

Just like an object, the money is spent “at stake” to the bank the highest bidder.
Customer (at no cost to participate) will give the money to be deposited; the banks will make several offers which can then be assessed.

Important feature of this offer is that time of deposit and sum terms are decided by the customer, then the bank will be offering a rate of interest.

It will be easy or hard competition agreements between banks allow you to keep certain range of offers?

Tags : savings

University studies at a cost not always affordable for all families.
However, it is definitely a good investment for the future, considering also the crisis of labor strikes in recent years.
And then here’s how they can cover the costs of this study with funding.

His name is just “funding for the studies” and gives the bank can demonstrate to all those who attend the training. However, the bank wants more guarantees and therefore requires a minimum income in relation to the money it provides. If the bank is not considered covered by the income of the applicant then must take a guarantor.

Funding may be a figure from 2500 until the 30900th Euro emitted as the fifth assignment of salary or personal loan.
But the money will be granted by bank transfer or bank draft.

According sole24ore PattiChiari losing pieces.
The banks involved in the project increased from 150 to 100 (source Radiocor).
Because of the decline, the new obligations imposed by the reform of governance:

adherence to all thirty projects of the consortium but also the costs for banks of medium size reach the hundreds of thousands per year.

The common denominator is that PattiChiari is’ self ‘, characterized by’ costly organizational innovation “, to appear without an obvious advantage in terms of reputation, and indeed many have judged the results” disappointing “in light of the serious injury of September, during the crisis at Lehman. As you know the list of bonds to low risk (as noted by the same Sole24ore) one of the first initiatives launched during the launch of the Consortium at the time of financial scandals, also contained the day of the announcement Lehman default (mid-September ) designation, between titles secure bond from U.S. bank.

I must admit that the banks here have a point.
Pattichiari is not sponsored a duty and adherence to these projects does not encourage the banks with the arrival of more customers or acknowledgment on the “final consumer”.
Rather than convince the bank to join would be much easier to explain to people that PattiChiari are valid, famous and safe.

This would allow a greater peace of mind to accession.
Moreover, it takes false steps that could undermine the system of trust and security that can make these projects.
Next PattiChiari, we must insist on the right way!