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Publication: 6 September 2019 Latest update: 23 June 2025
What is it?
The mortgage loan Regulations (approved by Decision No. 109 of the INPS Extraordinary Commissioner of 21 December 2023) provides for the possibility for the mortgage holder, registered with the Unified Scheme of Credit and Social Benefits, to claim the renegotiation of the loan at the rate in force at the time of the claim.
Renegotiation claim:
- entails the application of the rates approved by Board Resolution No. 44 of 12 March 2025;
- doest not allow to move from the fixed rate to the floating rate and vice versa;
On the other hand, to discover how to claim a change in the rate from variable to fixed and vice versa, read the relevant information sheet (in Italian).
Who is it aimed at?
It is aimed at:
- those enrolled in the Unified Scheme of Credit and Social Benefits;
- holders of mortgages.
Applies to all mortgage or subrogation contracts:
- with semi-annual or quarterly or monthly depreciation in line with payments;
- who, at the time of submitting the claim, applied an interest rate different from that approved by Board Resolution No. 44 of 12 March 2025.
How does it work?
Renegotiation (pursuant to Article 21):
- is prepared by the Credit operators of the competent Headquarters/Credit Pole;
- is signed by the Director of the Provincial Headquarters/Credit Pole/Metropolitan Directorate;
- is signed by the borrower;
- there are no charges for the borrower.
The (renegotiated) new rate will apply after:
- the acceptance of the new renegotiated rate;
- after signature of the Renegotiation Deed.
Claim
REQUIREMENTS
To access the benefit, you must have made all due payments, including the instalment immediately prior to submitting the claim.
WHEN CAN I CLAIM?
A claim can be submitted every year in the following time windows:
- from 1 April to 30 April with acceptance by 31 May;
- from 1 October to 31 October with acceptance by 30 November.
HOW CAN I CLAIM?
The claim must be made online using the appropriate service.
Processing times of the measure
The deadline to define the measure was set at 30 days by the Regulation for the definition of the terms to conclude the administrative proceedings adopted by INPS pursuant to Article 2 of Law no. 241/1990.
The table (in Italian) attached to the Regulation shows both the deadlines for defining the measures established by the Institute that are longer than the normal 30-day period, and the indication of the relative manager.