1. Acceptance of Terms
By requesting a mortgage quote from HOME MORTGAGES ITALY S.r.l., you accept these Terms and Conditions. If you do not agree, please do not use our services.
🏠 Commitment to Homeownership: Choosing HOME MORTGAGES ITALY means choosing expert guidance for your home financing journey in Italy.
2. Company Information
Company Name: HOME MORTGAGES ITALY S.r.l.
VAT Number: IT12345678901
Address: Via Mutui Casa 10, 00100 Rome (RM), Italy
Phone: +39 06 1234 5678
Email: info@homemortgagesitaly.it
Website: www.homemortgagesitaly.it
3. Services Offered
3.1 Mortgage Services
- Free mortgage quote comparison
- Bank rate analysis and negotiation
- Pre-approval assistance
- Loan application processing
- Refinancing services
- Investment property financing
3.2 Available Products
| Loan Type |
Interest Rate Range |
Max LTV |
Term |
| First Home Fixed Rate |
2.1% - 2.8% |
80% |
10-30 years |
| Variable Rate Mortgage |
2.5% - 3.2% |
75% |
10-30 years |
| Refinancing |
2.3% - 3.0% |
80% |
Remaining term |
| Investment Property |
3.0% - 3.8% |
70% |
10-25 years |
| Young Buyers Program |
1.8% - 2.5% |
85% |
10-30 years |
4. Free Quote Service
4.1 What's Included
- Personalized rate comparison from 15+ banks
- Credit score assessment
- Eligibility check for government programs
- Monthly payment calculations
- Pre-approval letter assistance
4.2 Quote Validity
- Quotes valid for 60 days
- Subject to credit approval
- Rates may vary based on market conditions
5. Fees and Commissions
5.1 Service Fees
- Free initial consultation and quote
- Application fee: €500 (refundable upon approval)
- Valuation fee: €300-500 (paid to third party)
- Notary and registration fees: As required by law
5.2 Payment Methods
- Bank transfer
- Credit/debit card
- Direct debit for loan payments
5.3 Right of Withdrawal
You have 14 days to withdraw from the loan agreement without penalty, in accordance with Italian consumer protection laws.
6. Loan Processing and Approval
6.1 Application Process
- Initial consultation and documentation
- Credit check and bank submission
- Property valuation
- Final approval and disbursement
6.2 Processing Time
- Pre-approval: 24-48 hours
- Full approval: 2-4 weeks
- Disbursement: 5-10 business days after approval
7. Interest Rates and Terms
7.1 Rate Types
- Fixed Rate: Rate locked for loan term
- Variable Rate: Rate adjusts with Euribor + spread
- Mixed Rate: Fixed for initial period, then variable
7.2 Rate Guarantees
- Rate lock period: 60 days
- Early repayment penalties apply
- Rate review clauses as per contract
8. Government Programs
8.1 First Home Buyer Incentives
- Tax deductions on interest payments
- Reduced registration fees
- Lower down payment requirements
8.2 Young Buyers Program
Special conditions for buyers under 36 years old, including zero down payment options and subsidized rates.
🏠 Making Homeownership Accessible: Our partnership with government programs helps more Italians achieve their homeownership dreams.
9. Responsibilities
9.1 Client Responsibilities
- Provide accurate financial information
- Disclose all existing debts
- Maintain employment stability
- Keep insurance current
9.2 Company Responsibilities
- Provide accurate rate comparisons
- Ensure regulatory compliance
- Protect client data privacy
- Provide ongoing support
10. Insurance Requirements
10.1 Required Insurance
- Property insurance (fire, theft, natural disasters)
- Life insurance (optional but recommended)
- Disability insurance (optional)
10.2 Insurance Management
- We can arrange insurance through partners
- Annual premium reviews
- Claims assistance
11. Default and Recovery
- Late payment fees as per contract
- Default procedures in accordance with Italian law
- Debt collection through authorized agencies
- Foreclosure procedures as last resort
12. Data Protection
Your personal and financial data is protected in accordance with GDPR and Italian privacy laws. See our Privacy Policy for details.
13. Regulatory Compliance
- Authorized by Bank of Italy
- Registered with OAM (Organismo degli Agenti in Attività Finanziaria)
- Member of ANASF (Associazione Nazionale degli Agenti e dei Mediatori Creditizi)
- Compliant with EU Mortgage Credit Directive
14. Applicable Law
These terms are governed by Italian law. Any disputes will be resolved through the competent courts in Rome, Italy.
15. Contact Information
For questions about these terms, contact us at:
Email: legal@homemortgagesitaly.it
Phone: +39 06 1234 5678
Address: Via Mutui Casa 10, 00100 Rome (RM), Italy
🏠 Your Trusted Mortgage Partner: HOME MORTGAGES ITALY is committed to transparent, ethical, and professional mortgage services.
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