The opportunity to claim the costs of formalizing mortgage loans has been extended until April 14, 2024, giving an additional period to mortgage borrowers. It is affected by this banking application.
The decision is based on the decision of a case filed by the Organization for Consumer Affairs (OCU) in 2015, which argued that it was bad faith to make banks pay customers for all costs associated with the formalization of mortgages.
Originally, the deadline to request ended in January 2023, but Extended due to suspension of procedural deadlines During the state of alarm in 2020 due to the pandemic.
The Regulation provides for a five-year period for judicial requests in these cases, with the addition of 82 calendar days for suspension during the state of alarm. This means that Those who face these costs will be able to request a refund of their payments until mid-April 2024.
But, This offer is valid for those affected only. mortgages Those hired before June 16, 2019The date when the new real estate loan law comes into force.
concepts the mortgage costs Includes all property registration payments that may be requestedAdministration and evaluation, in addition to half of notary costs, according to information provided by OCU.
Extending this period, Consumers have a wider window to seek compensation Excessive costs associated with formalizing mortgage loans.