EMERGENZA COVID-19: sospensione mutui prima casa – accesso al fondo Gasparrini

The Legislative Decree Cura Italia, in art. 54, established the so-called Implementation of the "first home" mortgage solidarity fund, derogating, by virtue of the health emergency in progress, from the ordinary regulations of the so-called. Gasparrini Fund, already established with Law 244/2007, which provides the right for holders of a mortgage contracted for the purchase of their first home who are in situations of temporary difficulty envisaged by the regulation, to benefit from the suspension of payment of installments for up to 18 months.

What's new in the time of the health emergency?

Following the COVID-19 emergency and thanks to the publication in the Official Gazette. of the Implementation Decree of the aforementioned art. 54 of the Legislative Decree Cura Italia, the operations of the Gasparrini fund have been extended, allowing access to it also to employees with reduction or suspension of working hours (for example due to layoffs) for a period of at least 30 days and to self-employed workers and professionals who have suffered a drop in their turnover of more than 33% compared to the turnover of the last quarter of 2019.

How to access the Gasparrini Fund?

To quickly obtain the suspension of the loan, the citizen, in possession of the requirements for access to the Fund and who finds himself in situations in which its intervention is expected, must contact the bank that granted the loan, which upon presentation of the necessary documentation proceeds with the suspension of the loan

For all cases of access to the Fund:

1. the presentation of the equivalent economic situation indicator (ISEE) is no longer required;
2. it is also possible to benefit for those who have already benefited from the suspension in the past (provided that the amortization has resumed 3 months ago);
3. it has been established that the Fund bears 50% of the interest that accrues during the suspension period.

Which form should be submitted and how?

The new forms, updated and simplified compared to the previous model, have recently been published for submitting the application for mortgage suspension by accessing the Solidarity Fund for mortgages for the purchase of a first home.

To further facilitate and speed up the procedures, the new form, available on the websites of the Treasury Department of the Ministry of Economy and Finance, Consap and the Register, can be completed directly online and sent according to the methods indicated by each bank.