Mortgage regulation

REGULATION
mortgage regulation
Reference Decrees and Press Releases

Comunicazione alla clientela a seguito all'Ordinanza del Capo Dipartimento della Protezione Civile n. 619 del 5 dicembre 2019 (italian)

Comunicazione alla clientela a seguito all’Ordinanza del Capo Dipartimento della Protezione Civile n. 619 del 5 dicembre 2019 pubblicata sulla Gazzetta Ufficiale n. 291 del 12/12/2019, in cui si disciplina la sospensione dei mutui come ” Primi interventi urgenti di protezione civile in conseguenza degli eventi meteorologici che, a partire da settembre 2019, hanno interessato le province di Agrigento, Catania, Enna, Messina, Palermo, Ragusa, Siracusa e Trapani”.

Comunicazione alla Clientela

Ordinanza della Protezione Civile n. 619 del 05/12/2019

Delibera Consiglio dei Ministri del 21 novembre 2019 (italian)

Delibera Consiglio dei Ministri del 21 novembre 2019 (G.U. n. 281 del 30/11/2019): proroga di 12 mesi dello stato di emergenza nei territori delle regioni Calabria, Emilia-Romagna, Friuli Venezia Giulia, Lazio, Liguria, Lombardia, Sardegna, Sicilia, Toscana, Veneto e delle province autonome di Trento e Bolzano colpiti dagli eccezionali eventi meteorologici verificatisi a partire dal 2 ottobre 2018 e nel territorio della provincia di Trapani in conseguenza degli ulteriori eccezionali eventi meteorologici verificatisi nei giorni dall’8 all’11 novembre 2018.

Comunicazione alla Clientela

Delibera Consiglio dei Ministri del 21 novembre 2019

Comunicazione alla clientela a seguito all'Ordinanza del Capo Dipartimento della Protezione Civile n. 616 del 16 novembre 2019 (italian)

Comunicazione alla clientela a seguito all’Ordinanza del Capo Dipartimento della Protezione Civile n. 616 del 16 novembre 2019, pubblicata sulla Gazzetta Ufficiale n. 273 del 21/11/2019, in cui si disciplina la sospensione dei mutui come da “Disposizioni urgenti di protezione civile in conseguenza degli eventi meteorologici verificatisi a partire dal giorno 12 novembre 2019 nel territorio del comune di Venezia”.

Comunicazione alla Clientela

Ordinanza della Protezione Civile n. 616 del 16/11/2019

Comunicazione alla clientela a seguito all'Ordinanza del Capo Dipartimento della Protezione Civile n. 615 del 16 novembre 2019 (italian)

Comunicazione alla clientela a seguito all’Ordinanza del Capo Dipartimento della Protezione Civile n. 615 del 16 novembre 2019, pubblicata sulla Gazzetta Ufficiale n. 274 del 22/11/2019, in cui si disciplina la sospensione dei mutui come da “Disposizioni urgenti di protezione civile in conseguenza degli eventi meteorologici verificatisi nei giorni dal 19 al 22 ottobre 2019 nel territorio della Provincia di Alessandria”.

Comunicazione alla Clientela

Ordinanza della Protezione Civile n. 615 del 16/11/2019

Resolution of the Council of Ministers dated 31 July 2019 (italian)

Resolution of the Council of Ministers dated 31 July 2019 (published in the Official Journal No. 183 dated 6 August 2019): Extension of the state of emergency due to the collapse of a section of the Polcevera viaduct of the A10 motorway, in the municipality of Genoa, known as the Morandi bridge, on the morning of 14 August 2018″.

Ordinance of the Head of the Civil Protection Department No. 598 dated 25 July 2019 (italian)

Communication to customers following the Ordinance of the Head of the Civil Protection Department No. 598 dated 25 July 2019 published in the Official Journal No. 182 dated 5 August 2019, which regulates the suspension of mortgages with reference to the “First urgent civil protection measures following the weather events that hit the territory of the provinces of Brescia, Lecco and Sondrio on 11 and 12 June 2019.”

Circular ABI Prot. UCR/000063 dated 11 January 2019: Extension of the terms of suspension of mortgage and loan instalment payments for the earthquakes of 2012 (italian)

Circular ABI Prot. UCR/000063 dated 11 January 2019: Extension of the terms of suspension of mortgage and loan instalment payments for the earthquakes of 2012 and after the 2014 flood as per Article 3, Paragraph 2bis, first sentence of Law Decree No. 4 dated 28 January 2014, converted with amendments by Law No. 50 dated 28 March 2014.

The municipalities concerned follow:

– Municipalities referred to in Paragraphs 1 and 1-bis of Article No. 3 of the Law Decree No. 4/2014 (converted into Law No. 50/2014): Bastiglia, Bomporto, San Prospero, Camposanto, Finale Emilia, Medolla, San Felice sul Panaro;

– Municipalities referred to in Article No. 1 of the Law Decree No. 74/2012 (converted into Law No. 122/2012): municipalities in the provinces of Bologna, Modena, Ferrara, Mantua, Reggio Emilia and Rovigo, affected by the earthquakes of 20 and 29 May 2012;

– Municipalities referred to in Article No. 67-septies of the Law Decree No. 83/2012 (converted into Law No. 134/2012): Ferrara, Mantua, as well as, where there is a causal link between the damage and the indicated seismic events, the municipalities of Castel d’Ario, Commessaggio, Dosolo, Pomponesco, Viadana, Adria, Bergantino, Castelnovo Bariano, Fiesso Umbertiano, Casalmaggiore, Casteldidone, Corte dé Frati, Piadena, San Daniele Po, Robecco d’Oglio, Argenta. (italian)

First urgent civil protection interventions as a result of the earthquake on 26 December 2018.” (italian)

Civil Protection Department Commissioner Ordinance (here in after referred to as “OCDPC”) No. 566 dated 28 December 2018 “First urgent civil protection interventions as a result of the earthquake that hit the territory of the municipalities of Zafferana Etnea, Viagrande, Trecastagni, Santa Venerina, Acireale, Aci Sant’Antonio, Aci Bonaccorsi, Milo, Aci Catena in the province of Catania on 26 December 2018.”

Attachment: OCDPC No. 566 dated 28 December 2018, published in the Official Journal No. 1 dated 2 January 2019

Extension of the terms of payment of mortgage instalments following the earthquake of August 2017 (italian)

OCDPC N. 558 dated 15 November 2018 “First urgent civil protection interventions as a result of exceptional weather events affecting Calabria, Emilia Romagna, Friuli Venezia Giulia, Lazio, Liguria, Lombardy, Tuscany, Sardinia, Sicily, Veneto and the autonomous provinces of Trento and Bolzano affected by exceptional weather events from October 2018.”

Attachment: Law Decree No. 109 dated 28 September 2018, published in the Official Journal No. 226 dated 28 September 2018

Extension of the state of emergency as a result of exceptional weather events occurred on 9 and 10 September 2017 (italian)

Resolution of the Council of Ministers dated 6 September 2018: Extension of the state of emergency as a result of exceptional weather events occurred on 9 and 10 September 2017 in the municipalities of Livorno, Rosignano Marittimo and Collesalvetti, in the province of Livorno. (published in the Official Journal No. 213 dated 13 September 2018)

Attachment: Resolution of the Council of Ministers dated 6 September 2018

Further urgent measures in favor of the populations of the regions of Abruzzo, Lazio, Marche and Umbria (italian)

Further urgent measures in favor of the populations of the regions of Abruzzo, Lazio, Marche and Umbria, affected by the earthquakes occurred on 24 August 2016.

Collapse of Morandi bridge - Communication to customers following the Ordinance of the Head of the Civil Protection Department No. 539 dated 20 August 2018 (italian)

Communication to customers following the Ordinance of the Head of the Civil Protection Department No. 539 dated 20 August 2018, published in the Official Journal No. 194 dated 22 August 2018, which regulates the suspension of mortgages with reference to the “First urgent civil protection interventions as a result of the emergency caused by the collapse of a section of the Polcevera viaduct of the A10 motorway, known as the Morandi bridge, in the Municipality of Genoa, on the morning of 14 August 2018.”

Law Decree No. 109 dated 28 September 2018 on “Urgent provisions for the city of Genoa, the security of the national network of infrastructure and transport, the earthquakes of 2016 and 2017, work and other emergencies.” – with Article No. 43 on the suspension of mortgage repayments on damaged buildings – converted into Law No. 130 dated 16 November 2018, published in the Official Journal No. 269 dated f 19 November 2018 – Ordinary Supplement No. 55, without amendment of the aforementioned Article 43.

ABI Notice dated 4 December 2018 – New Agreement for Genoa between the ABI Liguria Regional Committee and the Associations representing companies, in particular the suspension of instalments; possible facilities for liquidity requirements and new investments; cooperation on facilities from Public Administrations.

ABI Notice dated 4 December 2018 – Suspension of mortgage instalments and loans for Genoese citizens following an agreement between the ABI Liguria Regional Committee and the main local consumer Associations (Adiconsum, Adoc, Assoutenti, Casa del Consumatore, Codacons, Federconsumatori, Lega Consumatori Liguria, Sportello del Consumatore, Sportelli Consumatori in Rete).

Attachment: Civil Protection Ordinance No. 539 dated 20 August 2018

Attachment: Text of the Law Decree No. 109 dated 28 September 2018, co-ordinated with Conversion Law No. 130 dated 16 November 2018

New agreement for the 2019 Credit with the Associations representing the companies

New agreement for the 2019 Credit with the Consumer Associations for the suspension of the instalments of mortgages and loans to Genoese citizens

Agreement between ABI and the Extraordinary Commissioner of the Government for Reconstruction "Sisma 2016" (italian)

Agreement between ABI and the Extraordinary Commissioner of the Government for Reconstruction “Sisma 2016”, for the redefinition of the amortisation plans for suspended loans pursuant to Article 14, paragraph 6 of Decree Law No. 244 of 30 December 2016, converted with amendments by Law No. 19 of 27 February 2017.

Notice to customers following the OCDPC No. 507 dated 16 February 2018 (italian)

Notice to customers following the OCDPC No. 507 dated 16 February 2018, published in the Official Journal No. 47 dated 26 February 2018 and the ABI Notice Protocol No. UCR/ULG/000529 dated 20 March 2018, which regulates the suspension of loans in reference to the “Urgent civil protection measures as a result of the aggravation of the large landslide movement in the municipality of Stigliano in the province of Matera”.

It should be noted that for the exercise of the right to suspend mortgage repayments, a formal written request must be submitted within 30 days from 20 March 2018.

Attachment: ABI Notice UCR/ULG/000529 dated 20 March 2018

Measures to suspend the payment of mortgage and loan instalments for seismic events in 2012 and floods in 2014 (italian)

We inform our customers to read the ABI Notice Protocol No. UCR/ULG/000088 dated 16 January 2018, concerning the “Measures to suspend the payment of mortgage and loan instalments for seismic events in 2012 and floods in 2014 as well as in the municipalities of Ischia affected by the earthquake in August 2017 (2018 Budget Law)”; it should also be noted that, in order to exercise the right to suspend mortgage instalments, a formal written request must be submitted within 30 days from 30 January 2018.

Sisma Centro Italia 2016 (italian)

Sisma Centro Italia 2016 – Extension of the suspension of the payment terms of the instalments of loans and financing – Collegato Fiscale 2017.

First emergency civil protection measures following the exceptional weather events that took place from 30 July to 8 August 2017 (italian)

Communication to customers following the Civil Protection Ordinance No. 492 dated 29 November 2017, published in the Official Journal No. 288 dated 11 December 2017, entitled “First emergency civil protection measures following the exceptional weather events that took place from 30 July to 8 August 2017 in the municipalities of Antey-Saint-André, Bionaz, Brissogne, Brusson, Courmayeur, Morgex, Ollomont, Oyace, Pollein, Rhemes-Notre-Dame, Rhemes Saint Georges, Saint-Vincent and Valtournenche in the Autonomous Region of Valle d’Aosta.

Attachment: Civil Protection Ordinance No. 492 dated 29 November 2017

Communication to customers following the Civil Protection Ordinance No. 480 dated 8 September 2017 (italian)

Communication to customers following the Civil Protection Ordinance No. 480 dated 8 September 2017: “Further urgent action for the earthquake in the municipalities of Casamicciola Terme, Forio and Lacco Ameno on the island of Ischia, published in the Official Journal No. 218 dated 18 September 2017.”

Law No. 45: Conversion into Law, with amendments, of the Law Decree No. 8 dated 9 February 2017 (italian)

Law No. 45: Conversion into Law, with amendments, of the Law Decree No. 8 dated 9 February 2017, containing new urgent measures in favor of the populations affected by the 2016 and 2017 earthquakes, in force since 11 April 2017 (published in the Official Journal No. 84 dated 10 April 2017).

Extension of the suspension of loan instalments in the Milleproroghe Law Decree 2017 on 31 December 2017 (italian)

ABI Notice – UCR/ULG/000653 dated 29 March 2017: “Extension of the suspension of loan instalments in the Milleproroghe Law Decree 2017 on 31 December 2017.”

Attachment 1: List of municipalities in the Veneto region affected by weather events

Attachment 2 – List of municipalities in the Veneto and Emilia Romagna region affected by the 2012 earthquake

Extension of the declaration of the state of emergency for bad weather of 23 and 24 November 2016 (italian)

Resolution of the Council of Ministers dated 23 February 2017: “Extension of the declaration of the state of emergency for bad weather of 23 and 24 November 2016 in the province of Cuneo and Turin to the provinces of Alessandria and Asti, published in the Official Journal No. 57 dated 9 March 2017.”

Piedmont - ABI Notice dated 21 February 2017, following the Civil Protection Ordinance No. 430 dated 10 January 2017 (italian)

ABI Notice Protocol UCR/ULG000351 dated 21 February 2017, following the Civil Protection Ordinance No. 430 dated 10 January 2017 “First urgent civil protection interventions as a result of the exceptional weather events that occurred in the last ten days of November 2016 in the territory of the Piedmont region: List of Municipalities.”

Liguria - ABI Notice dated 22 February 2017, following the Civil Protection Ordinance No. 434 dated 11 January 2017 (italian)

ABI Notice Protocol UCR/000365 dated 22 February 2017, following the Civil Protection Ordinance No. 434 dated 11 January 2017 “First urgent civil protection interventions as a result of exceptional weather events occurred on 24 and 25 November 2016 in the territory of the provinces of Imperia and Savona: List of municipalities.”

Liguria - Communication to customers following the Civil Protection Ordinance No. 434 dated 11 January 2017 (italian)

Communication to customers following the Civil Protection Ordinance No. 434 dated 11 January 2017 “First urgent civil protection interventions as a result of exceptional weather events occurring on 24 and 25 November 2016 in the provinces of Imperia and Savona,” published in the Official Journal No. 18 dated 23 January 2017.”

ABI Notice dated 5 January 2017 concerning the Law Decree No. 244 dated 30 December 2016 (italian)

ABI Notice dated 5 January 2017 concerning the Law Decree No. 244 dated 30 December 2016 on the “Extension and definition of terms”. “Extension of the terms provided for by the Law Decree No. 189 dated 17 October 2016 converted, with amendments, by Law No. 229 dated 15 December 2016 with urgent measures in favor of the populations hit by the earthquake of 24 August 2016.

Piedmont - Communication to customers following Civil Protection Ordinance No. 430 dated 10 January 2017 (italian)

Communication to customers following Civil Protection Ordinance No. 430 dated 10 January 2017 “First urgent civil protection measures as a result of exceptional weather events in the last ten days of November in the Piedmont region” published in the Official Journal No. 12 dated 16 January 2017.

Suspension of payments of the capital share of mortgages and consumer credit (italian)

Suspension of payments of the capital share of mortgages and consumer credit: extension of the “Agreement for the suspension of credit to households” signed by ABI and the Consumer Associations on 31 March 2015.

Facsimile application – declaration in lieu of certification and deed of notoriety (italian)

Sardinia - Communication to customers following the Civil Protection Ordinance No. 360 dated 14 July 2016 (italian)

Communication to customers following the Civil Protection Ordinance No. 360 dated 14 July 2016 “Urgent civil protection measures as a result of exceptional weather events that on 30 September to 10 October 2015 hit the territory of the provinces of Olbia-Tempio, Nuoro and Ogliastra,” published in the Official Journal No. 173 dated 26 July 2016.

Latium, Marche, Umbria and Abruzzo - Communication to customers following the Civil Protection Ordinance no. 388 dated 26 August 2016 (italian)

Communication to customers following the Civil Protection Ordinance no. 388 dated 26 August 2016 “First urgent civil protection interventions following the exceptional seismic event that hit the territory of the Lazio, Marche, Umbria and Abruzzo Regions on 24 August 2016,” published in the Official Journal No. 201 dated 29 August 2016

ABI Notice dated 7 November 2016 concerning the Law Decree No. 189 dated 17 October 2016 (italian)

ABI Notice dated 7 November 2016 concerning the Law Decree No. 189 dated 17 October 2016, containing urgent provisions in favor of the populations hit by the earthquake of 24 August 2016: suspension of loan instalments.

Sisma Centro Italia - Conversion into law, with amendments, of the Law Decree No. 189 dated 17 October 2016 (italian)

Conversion into law, with amendments, of the Law Decree No. 189 dated 17 October 2016, containing urgent measures in favor of the populations hit by the earthquake of 24 August 2016, published in the Official Journal No. 294 dated 17 December 2016.