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The expansionary drive of the mortgage market continues, which, according to the ABI, shows an increase of 38% in the first nine months of the year.

Banks - with a series of institutional interlocutors and consumer associations - since 2009 have been carrying out initiatives to suspend payments to distressed borrowers and to push for purchase thanks to the Guarantee Fund.
Suspension of mortgage repayments 2016. The Italian Banking Association explained that the banks have started a series of initiatives in collaboration with institutional interlocutors and Consumer Associations, starting from the "Abi Family Plan" of 2010 and continuing with the suspension of mortgage repayments in progress, since 2009 - or since the beginning of the crisis - they have involved 186,618 families and about 14 billion of outstanding debt.
Last June, during the "Fare Casa" seminary organized at the Ministry of Economy in collaboration with the ABI, it emerged that from May 2013 to the end of May of this year Italian families in difficulty were able to benefit from a suspension of mortgages for over 3 billion euros.
In detail, in the last three years, over 35 thousand mortgages have been suspended through the solidarity fund for the suspension of installments of mortgages for the first home, for a total residual debt of over 3 billion.
Guarantee fund for the purchase of the first house.
It is not only a matter of moratoriums, but also of credit support, such as in the case of the "Guarantee Fund for the purchase of the first house". This fund, according to the updates relating to the first half of November, recorded 15,767 requests for access, for a countervalue of 1.8 billion euro.
2016 mortgages disbursements.
The ABI has announced that there is an increase in mortgages to families that are positively affected by the houses purchase market recovery in Italy and explained that, in particular, new mortgage loans increased by 38% in the period of January-September 2016 compared to the same period of 2015.
Moratorium loans companies.
On the business front, however, the Italian Banking Association has made it known that Italian banks have intervened during the crisis. The ABI has highlighted that the financing activity has been affected by negative factors of demand and the deterioration of credit quality. This, however, "has not prevented the continuation of major initiatives that, starting from the first 'Common Notice for the suspension of installments’ to the initiative currently under way ‘2015 Credit Agreement ', has allowed the moratorium to installments for 434,808 SMEs with a residual debt of 125 billion € and an additional liquidity made available to businesses for 24.7 billion €".
Figures to be added to "the limits set for applications for loans of performing SMEs that intend to make investments in tangible and intangible assets instrumental to business activity. To date, this is 21,397 SMEs for a counter-value of € 6.3 billion. ".

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The expansionary drive of the mortgage market continues, which, according to the ABI, shows an increase of 38% in the first nine months of the year.


Agenzia Gamma Immobiliare s.r.l.

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