È uno degli incubi peggiori degli italiani: non riuscire a pagare le rate, non rispettare un debito, e dunque perdere la casa. Con tanto di pignoramento e vendita all’asta. Un’incubo che riguarda sempre più famiglie. Almeno secondo i dati raccolti dalle associazioni dei consumatori Adusbef e Federconsumatori. Che hanno spulciato negli archivi delle sezioni fallimentari dei tribunali delle principali città italiane. Traendone uno scenario preoccupante: nel 2009 c’è stato un vero e proprio boom di pignoramenti ed esecuzioni immobiliari, aumentate del 15,2% in un anno.
Nel triennio 2007-2009, sempre secondo i dati diffusi dalle due associazioni, i pignoramenti sono addirittura aumentati del 60.5%, reaching 130 000 homes to be auctioned. Leading the list of the foreclosures is Milan, where legal proceedings have affected approximately 2,733 homes, with an estimated increase of 15.5% in one year. Below, in this nice little chart, Rome (altitude 2,157 executions, +18.1%) and Monza (1,040 auctions, +20.2% on 2008). "The unsustainable economic crisis - says the president dell'Adusbef, Elio Lannutti - brings more Italian families can not meet the mortgage repayments, commitment increasingly heavy eating 33% of your income, this translates into a risk Real insolvent for at least 350 000 families. " A concern
which is also confirmed by official data. As those of Bank of Italy: the flow of new bad debts on loans to households, adjusted in relation to loans, rose in the third quarter of 2009 at an altitude of 1.5% against 0.9% in the same period in 2008. And Caritas, in a report on the credit spread a few days ago, warned: a family of 4 among those who will buy the house with a mortgage over the next year would slip below the poverty line. Precisely for this reason, the ABI launched yesterday, in agreement with 13 consumer associations, the 12-month suspension of payment of installments of loans for families in difficulty, active since February 2010. A measure that
But the Adusbef judged insufficient by not signing the memorandum of understanding and even inviting consumers to "tighten their belts and pay, where possible, the rate loans trying not to further benefit with a" moratorium "onerous, particularly in against the interests, the gentlemen bankers ". For Adusbef and Federconsumatori measures are therefore more effective. It is especially urgent intervention of the government: "After the decree of providence and saving banks for business, the government issued an emergency ordinance also" save-families "- asking the two groups - with tax cuts of at least 1,500 € favor of fixed-income workers and retirees. Otherwise the gap will widen social.
http://www.lastampa.it/redazione/cmsSezioni/economia/200912articoli/50543girata.asp
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