en
NOMECOGNOME

You are in

Claim for the renegotiation of a mortgage loan (art. 21)

The service allows the submission of a claim to renegotiate the mortgage loan rate for the holder of the loan registered in the Unified Scheme of Credit and Social Benefits.
Addressed to:
Categories
Pensioners- Civil Servants
Fund of membership
-
Age
-

Publication: 6 September 2019 Latest update: 30 September 2024

What is it?

The new 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 decision of the INPS Extraordinary Commissioner 72/2023;
  • doest not allow to move from the fixed rate to the floating rate and vice versa;

On the other hand, to discover how to request a change in the rate from variable to fixed and vice versa, read the relevant information sheet.

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 decision of the INPS Extraordinary Commissioner 72/2023.

How does it work?

Renegotiation (pursuant to Article 21(5)):

  • is prepared by the Credit operators of the competent Headquarters/Regional Credit Pole;
  • is signed by the Director of the Provincial Headquarters/Regional Credit Pole Headquarters/Metropolitan Directorate Headquarters of the latter;
  • is signed by the borrower;
  • there are no charges for the borrower.

The new (renegotiated) 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 decision

The deadline to define the decision 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 attached to the Regulation shows both the deadlines for defining the decisions established by the Institute that are longer than the normal 30-day period, and the indication of the relative manager.

These might interest you

  • Credit and welfare for civil servants Loans and advance payments

    Claiming the granting of a mortgage loan

    The service allows to submit the claim for obtaining a mortgage loan for those registered in the Unified Scheme of Credit and Social Benefits with a permanent employment contract and a length of service of more than one year.
  • Loans and advance payments Credit and welfare for civil servants

    Arrears without fault: suspend amortisation or renegotiate loan

    The service allows to send the claim to suspend the amortisation or to renegotiate the loan for borrowers in situations of arrears without fault who are registered in the Unified Scheme of Credit and Social Benefits.
  • Loans and advance payments Credit and welfare for civil servants

    Claim succession or takeover in a mortgage loan

    The service allows you to claim activation of succession in the ownership of the mortgage to the spouse, if still alive, or to the children, if members of the family unit. The deadline for the definition of the decision has been set at 75 days.