Idealista Mutui fornisce informazioni dettagliate sulle diverse soluzioni di finanziamento, consentendo agli utenti di confrontare i prodotti di diverse banche senza pressioni o vincoli. Inoltre, la piattaforma è sempre aggiornata con le migliori offerte disponibili sul mercato, facilitando la scelta del mutuo ideale. consiglio
Change mortgage
Send us your information, and we will take care of everything without you even having to leave the house.
- This is a completely free service.
- We work with several banks and provide the most competitive offers.
- We resolve all your doubts.
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Opinions of idealista/mutui
Barbara è stata una consulente davvero preziosa, paziente e molto attenta alle mie esigenze. Scrupolosa nel verificare anche i dettagli delle offerte in base alle mie necessità, preparata nel guidarmi nella scelta e presente nel monitoraggio delle tempistiche.
Non è facile destreggiarsi in queste pratiche burocratiche, ma con il team di Idealista, soprattutto Fabio ed Ermanno, siamo riusciti ad ottenere quello di cui avevamo bisogno. Servizio eccellente, ti seguono passo passo e sono disponibili per qualsiasi necessità. Sicuramente lo consiglio.
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See all reviewsMortgage transfer FAQs
How does a mortgage transfer work?
A mortgage transfer, sometimes known as a subrogation or simply changing your mortgage provider, is the transfer of a mortgage from your current bank to another in order to obtain better conditions. The only parameter that cannot be changed is the remaining amount.
The procedure to carry out a mortgage transfer in Italy may vary from one bank to another, but normally it is sufficient to sign a formal request addressed to the new bank. The current bank will then send a communication to the entity that originally disbursed the loan, in addition to taking care of all the technical (valuation and the notary) and bureaucratic formalities of the transfer.
What are the costs of a mortgage transfer in Italy?
In the case of a mortgage transfer there are no costs for the debtor, as they are all borne by the new bank: valuation and valuation fees, while the payment made when taking out the loan is applied to substitute tax.
Find out moreWhen is it a good idea to transfer your mortgage?
Assuming that it is theoretically possible to apply for mortgage transfer at any time, the greatest advantage in terms of savings in the instalment is obtained when you have a relatively "recent" mortgage, i.e., with a total amount of interest to be paid that is still considerable.
Find out moreWhat is the difference between a mortgage transfer and simply changing mortgage?
The fundamental difference is that when transferring your mortgage to another bank it is not possible to request new liquidity from the new bank. The amount of the debt remaining cannot be modified, so the new bank will provide the applicant with the exact amount needed to pay off the loan at the original bank to the very last cent! In summary, with a transfer it is only possible to change the contractual conditions (mainly the interest rate). If you decide to completely change your mortgage, on the other hand, you may be able to request more money, depending on the situation.
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