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Consumer credit consumer credit. No more traps

La riforma del credito al consumo delinea uno scenario sempre più orientato alla trasparenza per chi deve richiedere un finanziamento

Il provvedimento emanato lo scorso 9 Febbraio da Banca D’Italia definisce l’ultimo passaggio della riforma del credito al consumo che era stata avviata con la direttiva europea 2008/48/CE e recepita con il decreto legislativo 141/2010, applicato per gradi da settembre scorso .

Le novità introdotte in materia di finanziamenti fanno capo al decreto del ministero dell’Economia del 3 di febbraio con il quale si assegnavano a Banca d’Italia alcune deleghe di definizione operativa to reform the sector. The provisions introduced above refer to the obligations of the transparency to the consumer, with emphasis on the relationship between agent and client that takes on a more and more, so much so that the center of the system has gradually shifted from 'credit consumption ' (with focus on the good) to' consumer credit '.

objective of the reform: increase the degree of transparency and comparability of offers for those who wish to apply for a loan or financing . Some of the new features can be read below.

pre-contractual phase

When precotrattuale is provided a standard called "Standard European Consumer Credit" that the company providing the financing to be completed to inform the customer in full and in accordance with the law on funding, before the itself is bound by an irrevocable contract. The customer has the right to get free, upon request, a copy of the contract liable for the conclusion.

Another important element for the comparability of tenders is APR, the rate that fully expresses the total cost of financing, because in addition to interest includes all cost items a carico del consumatore (compensi degli intermediari, commissioni, imposte etc). Banca D’Italia nel provvedimento dedica molto spazio al Taeg , oltre ad un allegato dove è possibile trovare la formula matematica utilizzata per calcolarlo. Nel foglio informativo il Taeg deve essere indicato insieme all’importo totale dovuto dal consumatore ed è necessario inserire un esempio che esemplifichi le ipotesi di calcolo. La pubblicità stessa si fa più chiara, il Taeg deve essere esposto in forma ben evidente, concisa e graficamente evidenziata insieme a durata, rata, debito totale da rimborsare, importo del credito, tassi di interesse.

Diritto di recesso

A step forward has been made in this direction. Who can turn back now a loan within 14 days after the conclusion of the contract at no cost nor committee, noted that before this right was exercisable within 10 days but only for contracts at a distance or away from business premises. Those who do so also for withdrawing the bill to cover the claim, if activated, that it is also an ancillary service must be clearly explained to the consumer before the contract is signed. The right of withdrawal must be printed clearly in the policy.

lapse

Again there was una evoluzione rispetto alle norme precedenti. Il consumatore ha ora la possibilità di rimborsare anticipatamente il debito residuo andando a decurtare interessi e costi dal contratto in essere, senza più pagare un indennizzo al finanziatore nel caso in cui l’importo rimborsato anticipatamente corrisponda all’intero debito residuo e sia uguale o minore di 10mila euro. In caso di estinzione anticipata la penale comunque non potrà essere più alta dell’1% dell’importo rimborsato se alla conclusione del contratto manca più di un anno e dello 0,5% se manca meno di un anno.

Responsabilità e tutele

Nel provvedimento si dettano indicazioni precise per garantire responsible behavior in all the practices of grant funding. It was also established that the consumer should receive the statement of notice of trespass by the third business day following the end of the month relevance. Last

detail not mentioned is that if you purchase a product defective rate is not delivered or the consumer has the right to terminate the contract after formal notice of the seller, without having to pay the installments of obtaining financing, but rather financial reimbursement from those already paid.

To read the full measure, you can visit the following link: http://www.bancaditalia.it/vigilanza/banche/normativa/disposizioni/provv ...

Linda Iulianella, Soldionline.it

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47. Cordova

Today we take our cue from the € 2 commemorative coin issued by Spain last year and take a ride in Andalusia, Cordoba, UNESCO World Heritage city. Ready? Via ... Of course we start from the inside of the Cathedral of Santa Maria (or Great Mosque) depicted on a coin:

This is the nave

Still columns:

Tower dell'Alminar ( the minaret - mosque, the church was 785 to 1236, when it was reconquered by the Christians):

This is instead the historical center:

A beautiful night view of the Guadalquivir river which crosses the city:

And finally a look at the Roman bridge in the background with the ubiquitous Cathedral:

Photography: Money © Repp / city and cathedral © Wikipedia

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inflation. Roma won the race in the long run

A photograph long-term trend. The Office has carried out studies of Gabetti research that compares the average prices of homes in the first ten Italian cities, from 1999 to 2010. The result speaks for itself: the price per square foot of homes have seen price increases that move between 30 and 80%.

particularly in Rome where in 1999 the average cost per square foot to buy a house, stood at € 2462 and in 2010 traveled about 4262, an increase of 73%. Or in Milan, where in 1999 the average price was 2455 and today is € 3977 (+ 62%). "How macro trends - Lodi explains Guido, director of studies - Rome and Milan have certainly had a good performance as the per capita income per capita is now higher than it was ten years ago and there are more attractive to investors. In addition, both cities have benefited from significant residential projects, including medium and high level. Rome also saw a growth of GDP higher than all other Italian cities and thus the market was more dynamic. "

Other centers that have marked significant increases were Naples and Palermo. In the capital of Campania has increased from € 1532 per square meter in 1999 to 2755 euro del 2010: un rincaro dell'80%, il più alto segnato in Italia. A Palermo invece il differenziale di costo è stato del 74%: undici anni fa il prezzo al metro quadro era di 1194 euro mentre l'anno scorso ha superato di misura i duemila euro. Secondo Lodigiani, le motivazioni che segnano le variazioni nei due capoluoghi sono i «prezzi di partenza più bassi, l'aumento degli uffici e quindi dei dipendenti, la crescita dei mutui, nonché le riqualificazioni di alcune zone nei centri storici. In generale, Napoli e Palermo partivano da valori contenuti e quindi è più naturale che abbiano incassato delle variazione più significative».

Insomma, per chi non avesse approfittato in questi anni degli incrementi recorded in Milan, Rome, Naples and Palermo, the best choice is to invest in cities where housing prices has not exploded in the last decade. As in Bologna, where in 1999 he paid € 2365 per square meter to buy a house in 2010 and just over three thousand euro: an increase of only 31%. But Bologna in recent months has increased the attractiveness for real estate investors due to the recent completion of the station's Table "Bologna has paid more than other towns in the hinterland growth - concludes Lodi - where today there is much new such as in San Lazzaro. And the hinterland is well connected to the city and offers quality homes: well invested little houses in town. " But given the low margins of price increase so far scored in the center, now investing in the city the two towers would be an opportunity.

- Gianluca Schinaia, Il Sole 24 Ore, 26 February 2011