Suspension of home loan instalment payments

Article 102b of Provincial Law No. 21 of 13 November 1992 (Disciplina degli interventi provinciali in materia di edilizia abitativa), identifies 'Extraordinary measures to support families for the repayment of subsidised home loans'.

In particular, the Province promotes the suspension of the payment of subsidised home mortgage instalments for a period not exceeding 18 months (3 six-monthly instalments). The suspension results in the repayment plan being shifted for a similar period (the repayment plan is lengthened). The suspension with translation is also permitted in the years 2025, 2026 and 2027.

The suspension of the instalment payment must be requested from the bank before the instalment is due.

The borrower may ask the lending bank to suspend the payment of the principal portion of the instalment for a maximum of three instalments.

It remains the responsibility of the borrower to pay the full interest portion of the suspended instalments as the grant is suspended. Disbursement of the contribution resumes when the suspension is terminated.

Holders of home loans benefiting from the facilities provided by:

• Provincial Law No 21 of 13 November 1992
• Provincial Law 29 December 2005 No 20, Article 58 (Extraordinary Plan 2006-2007)
• Provincial Law 21 December 2007 No 23 Article 53 (Extraordinary Plan 2008)
• Provincial Law of 28 March 2009 n. 2, Article 30, Paragraph 4 (Home Savings)
• Provincial Law of 28 December 2009 No 19, Article 59 (Extraordinary Plan 2010)
• Provincial Law 22 April 2014, no. 1 article 54, paragraph 1 (2015-2018 Home Plan)

The reference legislation is indicated in the loan agreement.

For all information concerning the suspension of the payment of the subsidised home loan instalments, it is possible to contact

• the Comunità di valle/Territorio Val d'Adige to which the original application for a public contribution for the purchase, construction, renovation, and purchase/renovation of the main dwelling was submitted
• the Housing Policies Service of the Autonomous Province of Trento for members of housing cooperatives (with the exception of loans for housing cooperatives referred to in Article 54(1) of Provincial Law No 1 of 22 April 2014, for which it is necessary to apply to the reference Communities)

Article 32 of Provincial Law No. 3 of 13 May 2020 and Article 21 of Provincial Law No. 7 of 17 May 2021 provided for extraordinary measures on subsidised housing due to the Covid-19 epidemic emergency. In particular, it was established that the instalments falling due on 30 June 2020, 31 December 2020, 30 June 2021 and 31 December 2021 are not counted in the maximum period of 18 months provided for by Article 102 ter of Provincial Law no. 21 of 13 November 1992.