100% mortgage? All offers to order
The ambition of everyone who borrows from banks to buy a house is waived 100% Mortgage. With this incentive, in fact, there is a series of invaluable benefits. One above all is the advantage of not having to give an advance. And precisely because it is a privileged procedure, it is not easy to get a 100% mortgage, and also because credit institutions require very consistent guarantees. There is a class of people, however, under 36 Draghi government He wanted to encourage.
Who is Preferred to Get a 100% Mortgage Loan
with the decree Duplicate support, the Council of Ministers stipulated that for those under the age of thirty-six who are interested in obtaining a 100% mortgage, the capital share guarantee is provided by the state. Other benefits are:
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Exemption from registration taxes in case of buying and selling between individuals.
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Tax exemption in the case of businesses subject to value added tax.
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Mortgage and property tax free.
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Reduce value added tax By 4% in the case of buying a home from builder.
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Exemption from the alternative tax of 0.25%.
In the latter case, the credit institution retains a percentage of the amount presented as an alternative tax.
What are the best offers from banks?
As reported by the economic portal Idealista.itThere are some 100% mortgage offers. credit institutions Really very useful. Let’s see what it is in a nutshell:
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Credit Agricole Youth Mortgage: flat rate €324 per month, tan 1.05% and crown 1.28%.
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Mortgage with guarantee: Sardinian Bank at a fixed rate of 329 euros per month, Tan 1.15% and Taeg 1.29%.
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Prima Casa Youth Mortgage Guarantee Fund: variable rate for Intesa San Paolo at €389 per month, Tan 0.50% and Taeg 0.55%.
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Mortgage for youth under the age of 36: variable rate for Bper Bank at €394 per month, tan 0.60% and crown 0.72%.
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