Come Avviene la Cancellazione dellai??i?? Ipoteca nei Mutui non Fondiari

Categorie: Fisco e Leggi, Mutui

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Non si tratta di una buona notizia per tutti coloro i quali hanno contratto un mutuo ipotecario non fondiario quella di cui tratteremo in questo articolo. Infatti, oltre ad alcune limitazioni, tuttavia alquanto modeste, che la normativa giAi?? prevede per i debitori dei mutui di tale natura, si aggiunge adesso un costo ulteriore per tutti coloro i quali vogliano cancellare lai??i??ipoteca.
E ciA? a partire proprio da questai??i??anno, il 2011.
Infatti, se dal 2007 era possibile ottenere il cancellamento dellai??i??ipoteca automaticamente e senza spese aggiuntive, a prescindere dal fatto che il mutuo fosse o meno fondiario, con la nuova normativa in proposito si fa un passo indietro, almeno dal punto di vista dellai??i??utente.
Il Decreto Legislativo 141/2010, infatti, ha messo in relazione la precedente opportunitAi?? con l’articolo 40 bis del Testo Unico Bancario, che concerne esclusivamente i mutui fondiari e ne A? scaturita una nuova interpretazione. Il beneficio siglato in passato rimane solo per quelli espressamente indicati, escludendo gli altri.
Per i restanti, significa dovere spendere un migliaio di Euro per il pagamento della parcella di un notaio che potrAi?? provvedere alla cancellazione, dopo essersi fatto consegnare da parte dellai??i??ex creditore un atto di assenso alla cancellazione, da consegnare alla Conservatoria dei Registri per tutte le formalitAi?? di rito.

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