{"id":9514,"date":"2017-10-04T15:00:11","date_gmt":"2017-10-04T13:00:11","guid":{"rendered":"http:\/\/www.ortalloggi.com\/problemi-laccesso-al-mutuo-la-garanzia-statale\/"},"modified":"2021-05-06T15:27:52","modified_gmt":"2021-05-06T13:27:52","slug":"problems-with-access-to-the-mortgage-here-is-the-state-guarantee","status":"publish","type":"post","link":"https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/","title":{"rendered":"Having problems accessing your mortgage? Here comes the Italian state&#8217;s guarantee!"},"content":{"rendered":"<h4 style=\"text-align: justify;\"><span style=\"text-decoration: underline;\"><span style=\"color: #000000; text-decoration: underline;\">Having problems accessing your mortgage? Here comes the Italian state&#8217;s guarantee!<\/span><\/span><\/h4>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">I am a great fan of the Revenue Agency guides because, in a changing context of regulation, they always explain the various topics in a clear and precise way.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">This article is, in fact, drawn and inspired by the brochure &#8220;House? Conviene!&#8221; of September 2017, disclosed by the Revenue Agency. I translated it for you. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The Guarantee Fund for the purchase and renovation of the first home allows you to apply for mortgages up to \u20ac 250,000 using state guarantees for the half of the amount. You can find the normative references to Article 1, paragraph 48, Law no. 147 of 2013 and the Interministerial Decree of 31 July 2014.<\/span><\/p>\n<h5 style=\"text-align: justify;\"><span style=\"color: #000000;\">To whom it is addressed<\/span><\/h5>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">For those who require a mortgage for their first home, not more than 250,000 euros. The mortgage must be paid only for the purchase or purchase and restructuring and \/ or increase of the energy efficiency of a property located in Italy that respects the following characteristics:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li><span style=\"color: #000000;\">It must be used as a main dwelling;<\/span><br \/>\n<span style=\"color: #000000;\">It does not have to belong to the categories of the Italian land registry A1 (noble dwellings), A8 (villas) and A9 (castles, palaces);<\/span><br \/>\n<span style=\"color: #000000;\">It must not have luxury features (according to the Decree of the Ministry of Public Works of 2\/8\/1969).<\/span><\/li>\n<\/ul>\n<h5 style=\"text-align: justify;\"><span style=\"color: #000000;\">What are the benefits<\/span><\/h5>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The Fund offers state guarantees equal to 50% of the capital of the mortgage required, thus facilitating access to credit. It is open to all, regardless of age, but provides for a rate applied to the mortgage not higher than the average global average rate (TEGM) published quarterly by the Ministry of Economy and Finance under the anti-wear law for:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li><span style=\"color: #000000;\">Young couples (where at least one of the two components did not exceed 35 years);<\/span><\/li>\n<li><span style=\"color: #000000;\">Young people under the age of 35 who hold an atypical employment relationship;<\/span><\/li>\n<li><span style=\"color: #000000;\">Single-parent family\u00a0 with underage children.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">By accessing the Fund, the bank, guaranteed by the State, can not apply for additional personal guarantees (eg parental or relative guarantees) in addition to the mortgage and any insurance.<\/span><\/p>\n<h5 style=\"text-align: justify;\"><span style=\"color: #000000;\">How do you get it<\/span><\/h5>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The application for access to the Fund must be submitted directly to the Bank to which the mortgage is asked.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">If you need a facsimile to prepare the application for access to the fund you will be able to download this document.<\/span><\/p>\n<p><a href=\"http:\/\/www.ortalloggi.com\/problemi-laccesso-al-mutuo-la-garanzia-statale\/domanda-di-accesso-al-fondo-di-garanzia-prima-casa-pagina-1\/\" rel=\"attachment wp-att-9510\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-9510 alignleft\" src=\"http:\/\/www.ortalloggi.com\/wp-content\/uploads\/2017\/10\/domanda-di-accesso-al-fondo-di-garanzia-prima-casa-pagina-1.jpg\" alt=\"domanda di accesso al fondo di garanzia prima casa - pagina 1\" width=\"417\" height=\"590\" srcset=\"https:\/\/www.ortalloggi.com\/wp-content\/uploads\/2017\/10\/domanda-di-accesso-al-fondo-di-garanzia-prima-casa-pagina-1.jpg 638w, https:\/\/www.ortalloggi.com\/wp-content\/uploads\/2017\/10\/domanda-di-accesso-al-fondo-di-garanzia-prima-casa-pagina-1-212x300.jpg 212w, https:\/\/www.ortalloggi.com\/wp-content\/uploads\/2017\/10\/domanda-di-accesso-al-fondo-di-garanzia-prima-casa-pagina-1-106x150.jpg 106w\" sizes=\"(max-width: 417px) 100vw, 417px\" \/><\/a><a href=\"http:\/\/www.ortalloggi.com\/wp-content\/uploads\/2017\/10\/domanda-di-accesso-al-fondo-di-garanzia-prima-casa-pagina-2.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-9511\" src=\"http:\/\/www.ortalloggi.com\/wp-content\/uploads\/2017\/10\/domanda-di-accesso-al-fondo-di-garanzia-prima-casa-pagina-2.jpg\" alt=\"domanda di accesso al fondo di garanzia prima casa -pagina 2\" width=\"377\" height=\"533\" srcset=\"https:\/\/www.ortalloggi.com\/wp-content\/uploads\/2017\/10\/domanda-di-accesso-al-fondo-di-garanzia-prima-casa-pagina-2.jpg 638w, https:\/\/www.ortalloggi.com\/wp-content\/uploads\/2017\/10\/domanda-di-accesso-al-fondo-di-garanzia-prima-casa-pagina-2-212x300.jpg 212w, https:\/\/www.ortalloggi.com\/wp-content\/uploads\/2017\/10\/domanda-di-accesso-al-fondo-di-garanzia-prima-casa-pagina-2-106x150.jpg 106w\" sizes=\"(max-width: 377px) 100vw, 377px\" \/><\/a><\/p>\n<p><span style=\"color: #000000;\">For any information about the process of buying a house in Italy, write to\u00a0<span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"mailto:info@ortalloggi.com\" target=\"_blank\" rel=\"noopener noreferrer\">info@ortalloggi.com<\/a><\/span>, I will be happy to answer your questions.<\/span><\/p>\n<p><span style=\"color: #000000;\">Alice\u00a0 \u2013\u00a0<span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"http:\/\/www.ortalloggi.com\/\">www.ortalloggi.com<\/a><\/span><\/span><\/p>\n<h5><span style=\"color: #000000;\">To find out more<\/span><\/h5>\n<p><span style=\"color: #000000;\">To find out more, I have prepared for you a list of institutional websites where you will surely find the answers to your questions! The sites are in Italian only!<\/span><\/p>\n<ul>\n<li><span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"http:\/\/www.casa.governo.it\" target=\"_blank\" rel=\"noopener noreferrer\">Casa Governo<\/a><\/span><\/li>\n<li><span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"http:\/\/www.dt.mef.gov.it\" target=\"_blank\" rel=\"noopener noreferrer\">Dipartimento del Tesoro<\/a>\u00a0<\/span><\/li>\n<li><span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"http:\/\/www.consap.it\" target=\"_blank\" rel=\"noopener noreferrer\">Concessionaria Servizi Assicurativi Pubblici<\/a><\/span><\/li>\n<li><span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"http:\/\/www.abi.it\" target=\"_blank\" rel=\"noopener noreferrer\">Associazione Bancaria Italiana<\/a><\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Having problems accessing your mortgage? Here comes the Italian state&#8217;s guarantee! I am a great fan of the Revenue Agency guides because, in a changing context of regulation, they always explain the various topics in a clear and precise way. This article is, in fact, drawn and inspired by the brochure &#8220;House? Conviene!&#8221; of September&#8230;<\/p>\n","protected":false},"author":9,"featured_media":14594,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[402,482],"tags":[1112,1101,472,1113,1114,1115,1116,766,528,1117,1118,449,1119],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Having problems accessing your mortgage? Here comes the Italian state&#039;s guarantee! - Ortalloggi<\/title>\n<meta name=\"description\" content=\"PProblems with access to the mortgage? Here is the Italian state guarantee! How to get a loan without third-party guarantees, with the facsimile.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Having problems accessing your mortgage? Here comes the Italian state&#039;s guarantee! - Ortalloggi\" \/>\n<meta property=\"og:description\" content=\"PProblems with access to the mortgage? Here is the Italian state guarantee! How to get a loan without third-party guarantees, with the facsimile.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/\" \/>\n<meta property=\"og:site_name\" content=\"Ortalloggi\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/alice.pellegrino?ref=bookmarks\" \/>\n<meta property=\"article:published_time\" content=\"2017-10-04T13:00:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-05-06T13:27:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.ortalloggi.com\/wp-content\/uploads\/2017\/10\/Copertine-blog-ENG-21.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Alice Pellegrino\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alice Pellegrino\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/\",\"url\":\"https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/\",\"name\":\"Having problems accessing your mortgage? Here comes the Italian state's guarantee! - Ortalloggi\",\"isPartOf\":{\"@id\":\"https:\/\/www.ortalloggi.com\/#website\"},\"datePublished\":\"2017-10-04T13:00:11+00:00\",\"dateModified\":\"2021-05-06T13:27:52+00:00\",\"author\":{\"@id\":\"https:\/\/www.ortalloggi.com\/#\/schema\/person\/fb2e4816ebf15c3932adf8743a3bf566\"},\"description\":\"PProblems with access to the mortgage? Here is the Italian state guarantee! How to get a loan without third-party guarantees, with the facsimile.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.ortalloggi.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Having problems accessing your mortgage? Here comes the Italian state&#8217;s guarantee!\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.ortalloggi.com\/#website\",\"url\":\"https:\/\/www.ortalloggi.com\/\",\"name\":\"Ortalloggi\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.ortalloggi.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.ortalloggi.com\/#\/schema\/person\/fb2e4816ebf15c3932adf8743a3bf566\",\"name\":\"Alice Pellegrino\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.ortalloggi.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/04582b809431f8b427194fecf02bcaa1?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/04582b809431f8b427194fecf02bcaa1?s=96&d=mm&r=g\",\"caption\":\"Alice Pellegrino\"},\"sameAs\":[\"http:\/\/www.ortalloggi.com\",\"https:\/\/www.facebook.com\/alice.pellegrino?ref=bookmarks\"],\"url\":\"https:\/\/www.ortalloggi.com\/en\/author\/aliceorta2020\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Having problems accessing your mortgage? Here comes the Italian state's guarantee! - Ortalloggi","description":"PProblems with access to the mortgage? Here is the Italian state guarantee! How to get a loan without third-party guarantees, with the facsimile.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/","og_locale":"en_US","og_type":"article","og_title":"Having problems accessing your mortgage? Here comes the Italian state's guarantee! - Ortalloggi","og_description":"PProblems with access to the mortgage? Here is the Italian state guarantee! How to get a loan without third-party guarantees, with the facsimile.","og_url":"https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/","og_site_name":"Ortalloggi","article_author":"https:\/\/www.facebook.com\/alice.pellegrino?ref=bookmarks","article_published_time":"2017-10-04T13:00:11+00:00","article_modified_time":"2021-05-06T13:27:52+00:00","og_image":[{"width":1024,"height":600,"url":"https:\/\/www.ortalloggi.com\/wp-content\/uploads\/2017\/10\/Copertine-blog-ENG-21.png","type":"image\/png"}],"author":"Alice Pellegrino","twitter_misc":{"Written by":"Alice Pellegrino","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/","url":"https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/","name":"Having problems accessing your mortgage? Here comes the Italian state's guarantee! - Ortalloggi","isPartOf":{"@id":"https:\/\/www.ortalloggi.com\/#website"},"datePublished":"2017-10-04T13:00:11+00:00","dateModified":"2021-05-06T13:27:52+00:00","author":{"@id":"https:\/\/www.ortalloggi.com\/#\/schema\/person\/fb2e4816ebf15c3932adf8743a3bf566"},"description":"PProblems with access to the mortgage? Here is the Italian state guarantee! How to get a loan without third-party guarantees, with the facsimile.","breadcrumb":{"@id":"https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.ortalloggi.com\/en\/problems-with-access-to-the-mortgage-here-is-the-state-guarantee\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.ortalloggi.com\/en\/"},{"@type":"ListItem","position":2,"name":"Having problems accessing your mortgage? Here comes the Italian state&#8217;s guarantee!"}]},{"@type":"WebSite","@id":"https:\/\/www.ortalloggi.com\/#website","url":"https:\/\/www.ortalloggi.com\/","name":"Ortalloggi","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.ortalloggi.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.ortalloggi.com\/#\/schema\/person\/fb2e4816ebf15c3932adf8743a3bf566","name":"Alice Pellegrino","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.ortalloggi.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/04582b809431f8b427194fecf02bcaa1?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/04582b809431f8b427194fecf02bcaa1?s=96&d=mm&r=g","caption":"Alice Pellegrino"},"sameAs":["http:\/\/www.ortalloggi.com","https:\/\/www.facebook.com\/alice.pellegrino?ref=bookmarks"],"url":"https:\/\/www.ortalloggi.com\/en\/author\/aliceorta2020\/"}]}},"_links":{"self":[{"href":"https:\/\/www.ortalloggi.com\/en\/wp-json\/wp\/v2\/posts\/9514"}],"collection":[{"href":"https:\/\/www.ortalloggi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ortalloggi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ortalloggi.com\/en\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ortalloggi.com\/en\/wp-json\/wp\/v2\/comments?post=9514"}],"version-history":[{"count":4,"href":"https:\/\/www.ortalloggi.com\/en\/wp-json\/wp\/v2\/posts\/9514\/revisions"}],"predecessor-version":[{"id":14595,"href":"https:\/\/www.ortalloggi.com\/en\/wp-json\/wp\/v2\/posts\/9514\/revisions\/14595"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ortalloggi.com\/en\/wp-json\/wp\/v2\/media\/14594"}],"wp:attachment":[{"href":"https:\/\/www.ortalloggi.com\/en\/wp-json\/wp\/v2\/media?parent=9514"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ortalloggi.com\/en\/wp-json\/wp\/v2\/categories?post=9514"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ortalloggi.com\/en\/wp-json\/wp\/v2\/tags?post=9514"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}