Liberazione dell'immobile pignorato Art 560 cpc
Summary
TLDRThe recent decree has introduced significant changes to the rules for the release of mortgaged property, offering a positive development for homeowners. Notably, Article 560 of the Civil Procedure Code has been amended to allow debtors residing in the mortgaged property with their family to continue living there until the transfer decree is issued after a judicial auction. This change, which does not apply to second homes or different types of properties, could potentially lower the resale value of the property and lead to more abandoned auctions, affecting the sale price and debt reduction. The long-term impact of these modifications requires further analysis and time to manifest.
Takeaways
- 🏠 New rules for the eviction of mortgaged properties have been introduced, offering significant changes and simplifications.
- 📜 Important modifications were made to Article 560 of the Italian Civil Procedure Code, affecting the occupation of mortgaged properties until the transfer decree is issued.
- 👨👩👧👦 The debtor and their family residing in the mortgaged property are allowed to continue living there until the full payment is made by the auction buyer and the transfer decree is issued.
- 🏠 It is implied that only the primary residence can benefit from this provision, excluding second homes and different nature properties.
- ⚖️ In cases where the debtor does not cooperate with the auction process, such as denying visits to potential buyers or causing damage to the property, the judge can decree the eviction of the mortgaged property.
- 📅 The provisions of Article 560 are not retroactive, applying to mortgages subsequent to the publication in the Official Gazette.
- 🗓️ The changes have been generally applied since February 2019, providing more time for debtors to find a new arrangement.
- 💰 A potential downside for debtors could be a decrease in the resale value of the property due to the presence of the debtor.
- 🔍 For judicial auction buyers, there might be hesitancy in purchasing an occupied property, potentially leading to fewer bidders and lower sale prices.
- 💲 The benefits for auction participants may be tied to the quicker release of the property, expected to occur two to three months after the transfer decree.
- 📉 For creditors, the downside may be a reduction in the number of potential buyers, resulting in lower prices and extended sale times.
Q & A
What recent changes have been introduced regarding the eviction of mortgaged properties?
-Significant changes have been introduced to the eviction process of mortgaged properties, including simplifications and significant modifications to Article 560 of the Italian Civil Procedure Code (CPC). These changes allow residents, including debtors and their families, to continue living in the mortgaged property until the issuance of the Transfer Decree, provided the debtor can prove it is their main residence.
What does the most relevant change to Article 560 CPC entail?
-The most relevant change to Article 560 CPC grants the debtor residing in the mortgaged property, along with their family, the right to continue living there until the entire purchase amount from a judicial auction has been paid and the Transfer Decree has been issued by the judge, confirming the property transfer.
Are there exceptions to the eviction rules for mortgaged properties?
-Yes, there are exceptions where the judge can decree the eviction of the mortgaged property even if the debtor resides in it. This occurs when the debtor does not cooperate with the procedure, such as denying access to potential buyers during the auction or causing damage to the property, thereby obstructing the normal sale process.
What is the impact of the new provisions on non-residential properties or secondary homes?
-The new provisions do not apply to secondary homes or properties of a different nature. It is implied that these types of properties cannot benefit from the provision allowing the debtor to continue living in the mortgaged property until the Transfer Decree is issued.
Do the provisions of Article 560 have retroactive effects?
-No, the provisions of Article 560 do not have retroactive effects. They apply to mortgages subsequent to their publication in the Official Gazette, which means the changes have been generally applied from February 2019 onwards.
What are the potential advantages for debtors with the new regulations?
-For debtors with mortgaged properties, the new regulations are beneficial as they allow them to continue living in their property without worrying about finding new accommodation until the property is sold. This could potentially give them two or more years of additional time in their home, which is a significant outcome.
What could be a potential disadvantage of the new provisions for debtors?
-A potential disadvantage for debtors is that the new provisions might lower the resale value of the property. The presence of the debtor in the property could lead to more abandoned auctions, resulting in a lower sale price and a reduced debt reduction.
How might the changes affect judicial auction buyers?
-The changes might deter non-speculative participants from judicial auctions who may be wary of purchasing an occupied property. This could reduce the number of potential buyers and favor speculators who might acquire the properties at lower prices.
What are the benefits for creditors regarding the eviction process?
-For creditors, the benefits are tied to the eviction times of the property, which are presumably scheduled two or three months after the issuance of the Transfer Decree. This provides a clearer timeline for the resolution of debts.
What are the potential disadvantages for creditors with the new rules?
-The potential disadvantages for creditors include a possible reduction in the number of potential buyers, which could lead to lower sale prices and extended sale times, affecting the recovery of debts.
What is the long-term outlook for the changes to Article 560 CPC?
-The long-term outlook for the changes to Article 560 CPC requires a long-term analysis. It will be necessary to wait for concrete indications on what will happen in the future, as the full impact of these changes may not be immediately apparent.
Outlines
🏠 New Rules for Mortgaged Property Release
The recent decree has introduced significant changes in the field of mortgaged property release, which is excellent news for those who own a mortgaged property. The new regulations have simplified the process and made significant modifications to Article 560 of the Civil Procedure Code. The most relevant change allows the debtor, who resides in the mortgaged property with their family, to continue living there until the issuance of the Transfer Decree. This means that the property can be inhabited until the buyer from a judicial auction has paid the full purchase amount and the judge has issued the Transfer Decree, confirming the property ownership change. It's important to note that the debtor must prove that the property is their main residence, implying that second homes and properties of a different nature cannot benefit from this provision. There are exceptions where the court can decree the release of the mortgaged property even if the debtor resides in it, such as when the debtor does not cooperate with the procedure, for example, by denying access to potential buyers during the auction or causing damage to the property. The provisions of Article 560 are not retroactive, applying to mortgages subsequent to the publication in the Official Gazette. The changes have been applied in principle since February 2019. The modification has advantages and disadvantages from different perspectives: the debtor, the auction buyer, and the creditor. For the debtor, it allows them to not worry about finding a new arrangement until the property is sold, potentially gaining one to three years of time. A possible disadvantage could be that these new provisions might lower the resale value of the property. For auction buyers, there might be a reluctance to purchase an occupied property, potentially reducing the number of potential buyers and favoring speculators who buy at lower prices. For creditors, the disadvantages are evident as they might see a reduction in the number of potential buyers, leading to lower prices and extended sale times. Long-term analysis will be required to understand the full impact of these changes.
Mindmap
Keywords
💡liberation of mortgaged property
💡recent decree
💡Article 560 CPC
💡property transfer decree
💡main residence
💡exceptions to the liberation of mortgaged property
💡non-collaboration
💡retroactivity
💡judicial auction
💡buyers from judicial auctions
💡creditors
💡advantages and disadvantages
Highlights
New rules for the eviction of mortgaged property have been introduced.
Significant changes have been made to Article 560 of the Civil Procedure Code.
The debtor and their family can continue living in the mortgaged property until the transfer decree is issued.
The property can be lived in until the full purchase amount is paid by the auction winner.
The debtor must prove that the property is their main residence.
Second homes and properties of a different nature cannot benefit from this provision.
Judges can decree the eviction of the mortgaged property if the debtor does not cooperate with the procedure.
Damage to the property by the debtor can lead to a decree for eviction.
The article 560 provisions are not retroactive.
These principles apply to mortgages published in the Official Gazette from the date of publication onwards.
The changes have been applied in principle from February 2019.
For those with a mortgaged property, the change allows them not to worry about finding new accommodation until the property is sold.
The new regulation allows for gaining one to two or more years of time.
A potential disadvantage could be a decrease in the resale value of the property.
The presence of the debtor in the property might lead to more abandoned auctions, lowering the sale price.
For judicial auction buyers, there might be a reluctance to purchase an occupied property.
Speculators might benefit from buying properties at lower prices.
Advantages for auction participants are linked to the expected two or three months release time of the property after the transfer decree.
Creditors might see a reduction in potential buyers, leading to lower prices and extended sale times.
Long-term analysis is required for the modifications made to Article 560.
Concrete indications of what will happen in the future will only be available after some time.
Transcripts
le nuove regole per la liberazione
dell'immobile pignorato nel campo della
liberazione dell'immobile pignorato sono
state introdotte importanti novità che
rappresentano un'ottima notizia per
coloro che si trovano nella situazione
di possedere un immobile pignorato con
l'entrata in vigore del recente decreto
semplificazioni sono state apportate
modifiche significative all'articolo 560
del codice di procedura civile le quali
rappresentano il testo definitivo in
materia
occupazione dell'immobile pignorato fino
al Decreto di trasferimento la modifica
più rilevante dell'articolo 560 CPC
riguarda la possibilità concessa al
debitore che risiede nell'immobile
pignorato insieme alla propria famiglia
di continuare ad abitarvi Fino
all'emissione del Decreto di
trasferimento Questo significa che
l'immobile può essere effettivamente
vissuto fino a quando l'acquirente
proveniente da una asta giudizia Gioia
non ha pagato l'intero importo
dell'acquisto e il giudice ha emesso il
decreto di trasferimento che attesta il
passaggio di proprietà è Importante
sottolineare che Il debitore deve
dimostrare che l'immobile è la sua
residenza principale Pertanto è
implicito che le seconde case e le
proprietà di diversa natura non possono
beneficiare di questa disposizione
eccezioni alla liberazione dell'immobile
pignorato esistono casi in cui il
giudice può decretare la liberazione
dell'immobile pignorato anche se Il
debitore risiede al suo interno la
risposta è sì ciò si verifica quando il
pignorato non collabora con la procedura
ad esempio negando la visita
dell'immobile agli acquirenti potenziali
durante l'asta o causando danni alla
struttura in generale qualora Il
debitore ostacoli il normale svolgimento
del procedimento di vendita
dell'immobile pignorato il giudice può
decidere di decretarne la liberazione è
importante sottolineare che questo punto
è già presente nell'articolo 560 e non è
stato modificato la retroattività delle
disposizioni dell'articolo 560 le
disposizioni dell'articolo 560 non hanno
carattere retroattivo pertanto tali
principi si applicano ai pignoramenti
successivi alla pubblicazione nella
Gazzetta Ufficiale
di conseguenza si può affermare che
queste modifiche sono state applicate in
linea di massima a partire dal mese di
febbraio 2019
vantaggi e svantaggi della modifica
dell'articolo 560 è utile analizzare le
modifiche apportate all'articolo 560 da
3 prospettive diverse quella del
debitore dell'acquirente proveniente
dall'asta giudiziaria e del creditore
per chi possiede un immobile pignorato
questa modifica rappresenta sicuramente
una buona notizia in quanto permette di
non preoccupa dimenticarsi di trovare
una nuova sistemazione almeno fino alla
vendita dell'immobile questa nuova
regolamentazione consente di guadagnare
Uno due o più anni di tempo un risultato
Certamente significativo un possibile
svantaggio potrebbe manifestarsi nel
caso in cui queste nuove disposizioni
abbassino il valore di rivendita
dell'immobile la presenza del debitore
all'interno dell'abitazione potrebbe
determinare un numero maggiore di aste
deserte con conseguente ribasso del
prezzo di vendita e una minore riduzione
del debito per quanto riguarda gli
acquirenti provenienti dalle aste
giudiziarie potrebbe esserci un
allontanamento da parte di coloro che
partecipano a tali eventi per fini non
speculativi questi acquirenti possono
nutrire timori o remore nell'acquistare
un immobile già occupato il che potrebbe
ridurre il numero di potenziali
acquirenti e favorire gli speculatori
che acquistano a prezzi più bassi gli
vantaggi per i partecipanti alle aste
sono legati ai tempi di liberazione
dell'immobile presumibilmente previsti
due o tre mesi dopo l'emissione del
Decreto di trasferimento per i creditori
gli svantaggi sono evidenti in quanto
potrebbero vedere ridursi il numero di
potenziali acquirenti con conseguenti
ribassi dei prezzi e allungamento dei
tempi di vendita tutti i ragionamenti
effettuati in merito alle modifiche
apportate all'articolo 560 richiedono
un'analisi a lungo termine
pertanto sarà necessario attendere per
avere indicazioni concrete su ciò che
accadrà nel prossimo futuro
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