Few mortgages suspended and Isee revised for those on lay-offs

A suspension or reduction of work due to labour layoffs can plunge a family into crisis, especially if the worker concerned is the only source of income. The Cig treatment, equal to 80% of the global salary, can push entire households already in a corner into 'temporary poverty', not to mention the fact that sometimes the cushion is paid with a few months delay. And compared to the pandemic years, the emergency measures put in place for this group of workers are no longer so incisive.

From January 2024, for example, the Gasparrini Fund for the suspension of first home mortgage instalments became inaccessible for many families. The moratorium, which by law can also be applied for by those who have suffered a temporary suspension (or a reduction in hours) of more than 30 days, had been extended in the access criteria to a broader audience during the pandemic period. After the explosion of moratorium applications during Covid (18,070 applications in 2021), the long wave of the inflationary crisis and the rise in interest rates had kept the number of applications high in 2023 as well, a total of 4,917 between January and October.

This year the number of applications fell to just 1,547 in the first ten months. As of 2024, in fact, the fund managed by Consap is once again precluded to households with Isee over 30 thousand euro, self-employed persons, and if the value of the property exceeds 250 thousand euro. In addition, the suspension can no longer be requested by those who purchased their homes through the Mutui Prima casa fund, thus covered by a public guarantee. These are all derogations introduced during the emergency phase, no longer in force. Barring any new derogations, therefore, the moratorium on first home mortgages remains the prerogative of the few.

Families of unemployed persons can update their Isee by requesting the current Isee, which is provided in the event of suspension or reduction of employment, and updated with the income and assets of the last 12 months or, in some cases, the last two months. From the Inps, however, they point out that even this formula is not very widespread: only 174,405 households requested it in 2024 (1.62% of the total number of certified Isees), compared to 190,725 processed in 2023 (1.7%).