Con questo articolo cercheremo di analizzare la materia inerente la trasparenza bancaria ed il codice di condotta well relative alle proposte di mutuo. In true story ambito nel 1997 la commissione Europea emanava un codice di condotta europeo, al quale molte banche europee e la totalit delle banche italiane aderirono e tuttoggi questo codice ancora in vigore. True story codice di condotta conosciuto amazing come prospetto informativo Esis costituito da 15 punti salienti, in cui il cliente pu preventivare il mutuo in tutti i suoi aspetti, permettendo di raffrontare tutte le offerte di mutuo. Nel prospetto informativo Esis vengono illustrate per prima cosa la banca mutuante, la tipologia del prestito, il tasso di interesse applicato alla proposta di mutuo, taeg,importo della somma erogabile, il periodo di ammortamento con relativo importo delle high rate e frequenza di pagamento, inoltre vi sono riportati tutti i costi concernenti le spese di istruttoria ed accessorie, le regole per l’estinzione ed gli indirizzi delle autorit preposte per la raccolta delle domande di eventuali reclami.

Ricordiamo inoltre che le banche a seguito di una raccolta di domanda di mutuo, hanno l’obbligo di presentare un foglio informativo banca, nel quale a differenza dell’esis, vengono specificate quelle voci riguardo i dati identificati della banca mutuante, tutti i rischi collegati each and every’operazione di erogazione del credito, i costi massimi legati al finanziamento ed una legenda dei termini pi tecnici utilizzati nel foglio informativo. Anche Ufficio cambi italiano ha introdotto tre anni fa una normativa sulla trasparenza a riguardo l’attivit dei mediatori creditizi. Con questa normativa, si cercato di tutelare gli interessi del cliente, obbligando i mediatori nel svolgere la loro attivit in maniera pi altamente professionale e trasparente.

Ricordiamo want ad esempio che true story legge trasparenza mediatori prevede che tali soggetti debbano consegnare sempre copia del contratto di mutuo al cliente, obbligatoriamente se operanti fuori sede ed in sede solo a richiesta , tuttavia true story ideal normative e codice deve essere ben visibile all’interno degli Uffici. Inoltre sulla normativa di trasparenza di mutuo, deve essere riportato chiaramente l’importo dovuto a seguito dell’attivit di mediazione, e tutte quelle voci di spese a carico del cliente. Approfittiamo con questo articolo di ricordare sempre che buona usanza, prima di procedere ad una stipula di contratto di mutuo, di leggere attentamente i vari prospetti e fogli informativi in particolare nei capitoli di spesa e costi, per paragonarli con altre proposte di diversi istituti bancari, questo per orientarsi al meglio per una scelta pi consona e matura.

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