{"id":6882,"date":"2024-10-31T21:06:53","date_gmt":"2024-10-31T21:06:53","guid":{"rendered":"https:\/\/thedocegroup.com\/?p=6882"},"modified":"2025-09-26T15:27:03","modified_gmt":"2025-09-26T15:27:03","slug":"cose-la-legge-sulle-procedure-di-liquidazione-degli-immobili","status":"publish","type":"post","link":"https:\/\/thedocegroup.com\/it\/what-is-the-real-estate-settlement-procedures-act\/","title":{"rendered":"Che cos'\u00e8 il Real Estate Settlement Procedures Act?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6882\" class=\"elementor elementor-6882\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7428f94 e-flex e-con-boxed e-con e-parent\" data-id=\"7428f94\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-965eab5 elementor-widget elementor-widget-text-editor\" data-id=\"965eab5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Quando accendete un mutuo negli Stati Uniti, potete farlo sapendo di godere di molte tutele previste dalla legge. Una di queste tutele deriva dal Real Estate Settlement Procedures Act (RESPA) del 1974.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Il RESPA impone agli istituti di credito ipotecario di rivelare tutti i costi del prestito. Inoltre, vieta le tangenti, limita i requisiti per i conti vincolati e impedisce i requisiti per l'assicurazione del titolo di propriet\u00e0.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Informazioni richieste<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Il RESPA impone agli istituti di credito di fornire quanto segue:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/ul>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Un aggiornamento <a href=\"https:\/\/www.consumerfinance.gov\/rules-policy\/regulations\/1024\/6\/\" target=\"_blank\" rel=\"noopener\">Opuscolo informativo speciale<\/a> che fornisce informazioni sul mutuo e sul processo di chiusura<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Una comunicazione di tutti i costi di chiusura del prestito<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Una stima del prestito\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>Il preventivo del prestito deve contenere le seguenti informazioni:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/ul>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Le condizioni del prestito<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>L'importo del prestito<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Tutte le spese di origine<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Pagamenti mensili stimati<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Principale<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Interesse<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Assicurazione ipotecaria<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Costi di chiusura<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Contabilit\u00e0 di deposito per le imposte sulla propriet\u00e0, l'assicurazione del proprietario di casa e l'assicurazione contro le inondazioni.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>In parole povere, un creditore ipotecario deve dirvi esattamente cosa pagherete e perch\u00e9 prima di firmare sulla linea tratteggiata.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Vedi anche: <a href=\"https:\/\/thedocegroup.com\/what-is-a-mortgage-note\/\" target=\"_blank\" rel=\"noopener\">Cosa sono le note ipotecarie? Informazioni essenziali per gli acquirenti di case\u00a0<\/a><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Prevenzione delle tangenti<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Un fornitore di mutui non pu\u00f2 pagare un agente immobiliare o un altro professionista perch\u00e9 gli porti affari.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Il motivo per cui il RESPA vieta questa pratica \u00e8 quello di garantire che i consumatori non siano spinti ad accettare un mutuo ipotecario o un altro da un referente di parte, ma piuttosto prendano decisioni informate che permettano loro di fare shopping per trovare l'offerta migliore.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>\u00c8 impossibile prendere una decisione informata quando non si sa se il proprio agente immobiliare di fiducia sta guadagnando con il mutuo scelto. Non possono nemmeno ricevere regali o oggetti di valore. Che sia $10 o $1.000.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Questo non significa che il vostro agente immobiliare non possa consigliarvi un prestatore. Molti lo fanno! Ma non possono guadagnare da questa relazione. Possono fare pubblicit\u00e0 congiunta, segnalare i prestatori senza percepire un compenso, approfittare di attivit\u00e0 di promozione incrociata, vendere spazi pubblicitari sui rispettivi siti web dietro pagamento di un compenso e di un'informativa, e distribuire materiale di marketing aziendale.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Vedi anche: <a href=\"https:\/\/thedocegroup.com\/what-role-do-real-estate-agents-play-during-the-home-buying-process\/\" target=\"_blank\" rel=\"noopener\">Che ruolo hanno gli agenti immobiliari nel processo di acquisto di una casa?<\/a><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Regolamenti del fondo fiduciario<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Sebbene gli istituti di credito e i servizi di prestito possano raccogliere fondi per pagare le tasse sulla propriet\u00e0, l'assicurazione del proprietario di casa e i conti vincolati, devono attenersi a norme rigorose.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Possono richiedere un cuscinetto di 2-3 mesi di pagamenti pari a 1\/12 dell'importo totale annuo.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>In caso di pagamento eccessivo, gli istituti di credito o i servizi di prestito devono rimborsare il pagamento in eccesso.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Divieto di preferenza\u00a0<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Molti istituti di credito e agenti immobiliari hanno rapporti professionali anche con le societ\u00e0 di titoli. Ma non possono obbligarvi a utilizzare la societ\u00e0 di titoli di loro scelta. I venditori possono scegliere l'agente di liquidazione se pagano l'assicurazione sul titolo.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Anche in questo caso, l'agente pu\u00f2 suggerire una societ\u00e0 di titoli. Ma se volete utilizzarne una diversa e siete voi a pagarla, l'agente non pu\u00f2 rifiutarsi di procedere insistendo che usiate la societ\u00e0 scelta da lui.\u00a0<\/p>\n<h2><strong>Cosa vieta il RESPA?<\/strong><\/h2>\n<p data-start=\"81\" data-end=\"369\">Il RESPA vieta pratiche sleali come tangenti, pagamenti di rinvio e addebiti per servizi mai forniti. Ad esempio, la Sezione 8 rende illegale per chiunque dare o ricevere denaro, regali o qualsiasi cosa di valore in cambio dell'invio di clienti a un'azienda di servizi di liquidazione.<\/p>\n<p data-start=\"371\" data-end=\"590\">La legge controlla anche il modo in cui vengono gestiti i conti di garanzia. Gli istituti di credito non possono chiedere pi\u00f9 denaro del necessario per il deposito a garanzia. Inoltre, i venditori non possono obbligare gli acquirenti a utilizzare una specifica compagnia di assicurazione del titolo.<\/p>\n<h3><strong>Marketing e sponsorizzazione<\/strong><\/h3>\n<p data-start=\"100\" data-end=\"377\">La RESPA consente ai broker e agli istituti di credito di fare pubblicit\u00e0 insieme, ma ciascuna parte deve pagare la propria quota di costi. Se una parte paga pi\u00f9 della propria quota, non \u00e8 consentito. Anche la sponsorizzazione di eventi pu\u00f2 essere un problema se una parte utilizza l'evento principalmente per pubblicizzare i propri servizi.<\/p>\n<p data-start=\"379\" data-end=\"647\">I broker e gli agenti immobiliari non possono stipulare accordi di marketing in cui una delle due parti si fa pagare pi\u00f9 del valore effettivo del lavoro di marketing. Inoltre, un fornitore di servizi di liquidazione non pu\u00f2 affittare spazi per uffici da un altro fornitore a meno che non paghi il prezzo equo di mercato per quello spazio.<\/p>\n<h3 data-start=\"654\" data-end=\"673\"><strong>Commissioni di rinvio<\/strong><\/h3>\n<ul data-start=\"674\" data-end=\"899\">\n<li data-start=\"674\" data-end=\"756\">\n<p data-start=\"676\" data-end=\"756\">I broker non possono pagare gli agenti per inviare i clienti alla loro societ\u00e0 di mutui affiliata.<\/p>\n<\/li>\n<li data-start=\"757\" data-end=\"808\">\n<p data-start=\"759\" data-end=\"808\">I broker non possono pagare altri broker per le segnalazioni.<\/p>\n<\/li>\n<li data-start=\"809\" data-end=\"899\">\n<p data-start=\"811\" data-end=\"899\">Gli istituti di credito non possono offrire regali, denaro o incentivi agli agenti per aver inviato loro acquirenti di case.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"901\" data-end=\"973\">Tutte queste operazioni sono considerate tangenti e non sono consentite dalla RESPA.<\/p>\n<h3 data-start=\"980\" data-end=\"1018\"><strong>Accordi commerciali affiliati<\/strong><\/h3>\n<ul data-start=\"1019\" data-end=\"1534\">\n<li data-start=\"1019\" data-end=\"1310\">\n<p data-start=\"1021\" data-end=\"1310\">Se un broker indirizza un cliente a una societ\u00e0 di titoli di propriet\u00e0 con cui \u00e8 collegato, deve informare chiaramente il cliente di questo rapporto. Deve inoltre spiegare le tariffe della societ\u00e0 e i propri interessi finanziari in essa. I clienti devono essere informati della possibilit\u00e0 di scegliere un'altra societ\u00e0.<\/p>\n<\/li>\n<li data-start=\"1311\" data-end=\"1401\">\n<p data-start=\"1313\" data-end=\"1401\">I broker e le societ\u00e0 di intermediazione non possono creare attivit\u00e0 fittizie per guadagnare con i referral.<\/p>\n<\/li>\n<li data-start=\"1402\" data-end=\"1534\">\n<p data-start=\"1404\" data-end=\"1534\">Gli istituti di credito non possono obbligare i mutuatari a utilizzare i loro fornitori di servizi affiliati, ma possono offrire sconti se i clienti li scelgono.<\/p>\n<\/li>\n<\/ul>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Chi applica il RESPA?<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Il Consumer Financial Protection Bureau (CFPB) applica il RESPA. Se ritenete che il vostro prestatore o agente immobiliare abbia violato la legge, potete presentare un reclamo online. Potete anche assumere un avvocato immobiliare per avviare una causa civile per conto vostro. Avete un anno di tempo per intentare la causa.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>La CFPB pu\u00f2 intentare una causa entro tre anni, ma non \u00e8 detto che ne traiate vantaggio.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Si veda anche: Il ruolo del Consumer Financial Protection Bureau nei prestiti ipotecari<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Cosa succede ai prestatori che violano il RESPA?<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>I trasgressori della RESPA possono essere obbligati a pagare multe e\/o a rimborsare i conti dei consumatori. Possono anche subire azioni legali. Nei casi pi\u00f9 gravi, i trasgressori del RESPA possono addirittura finire in prigione.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Proteggersi con il mutuo giusto\u00a0<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Se \u00e8 bello sapere che alcuni abusi nella concessione di mutui ipotecari sono contrari alla legge, \u00e8 ancora meglio sapere di avere un broker ipotecario che vi tratter\u00e0 bene a prescindere da tutto.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Dopotutto, quando qualcuno vi imbroglia, anche se siete nel giusto, pu\u00f2 volerci molto tempo per essere rimborsati. Per mantenere il denaro in tasca, rivolgetevi subito a un prestatore affidabile.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Il Doce <span style=\"font-weight: 400;\">Gruppo ipotecario <\/span>ha un curriculum di oltre 36 anni di trattamento corretto dei mutuatari e non intende fermarsi mai! <a href=\"https:\/\/thedocegroup.com\/contact\/\" target=\"_blank\" rel=\"noopener\">Fissate una consulenza gratuita<\/a> per ottenere un ottimo prestito a un ottimo tasso da un broker ipotecario che fa sempre la cosa giusta.\u00a0<\/p>\n<h2><b>Domande frequenti sul RESPA<\/b><\/h2>\n<h3><b>Che cos'\u00e8 il RESPA nel settore immobiliare?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">RESPA \u00e8 l'acronimo di Real Estate Settlement Procedures Act. Si tratta di una legge degli Stati Uniti che assicura che acquirenti e venditori di case ricevano informazioni chiare sui costi dell'acquisto di una casa. Inoltre, impedisce agli istituti di credito, agli agenti immobiliari e ad altri soggetti di elargire o ricevere pagamenti sleali (tangenti) durante il processo.<\/span><\/p>\n<h3><b>Qual \u00e8 lo scopo del RESPA?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Il Real Estate Settlement Procedures Act (RESPA) \u00e8 una legge che obbliga gli istituti di credito a fornire dettagli chiari sui costi di liquidazione. Inoltre, riduce i costi di chiusura bloccando le commissioni di riferimento e le tangenti. Il RESPA \u00e8 stato firmato nel dicembre 1974 ed \u00e8 entrato in vigore il 20 giugno 1975.<\/span><\/p>\n<h3><b>Cosa significa RESPA nel settore immobiliare?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">RESPA \u00e8 l'acronimo di Real Estate Settlement Procedures Act. Si tratta di una legge che assicura che acquirenti e venditori ricevano informazioni chiare sui costi di una transazione immobiliare, compresi aspetti quali <\/span><a href=\"https:\/\/thedocegroup.com\/the-role-of-appraisals-in-home-buying\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Le valutazioni nell'acquisto di una casa<\/span><\/a><span style=\"font-weight: 400;\"> e altri servizi richiesti.<\/span><\/p>\n<h3><strong data-start=\"1149\" data-end=\"1200\">Perch\u00e9 i servizi di liquidazione RESPA sono importanti?<\/strong><\/h3>\n<p data-start=\"1149\" data-end=\"1382\">Proteggono gli acquirenti dall'addebito eccessivo o dall'inganno. Richiedendo la piena divulgazione delle commissioni e vietando le tangenti, le norme immobiliari RESPA assicurano che i servizi di liquidazione siano equi e competitivi.<\/p>\n<h3><b>Quali prestiti sono coperti dal RESPA?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Il RESPA si applica alla maggior parte dei prestiti garantiti da un'ipoteca su una casa di una o quattro famiglie. Questo include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prestiti per l'acquisto di abitazioni<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/thedocegroup.com\/refinance-mortgage-florida\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Rifinanziamenti<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prestiti per il miglioramento della casa<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Linee di credito per la casa (HELOC)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Di solito non copre i prestiti per scopi aziendali, commerciali o agricoli.<\/span><\/p>\n<h3><b>In che modo la legge sulle procedure di liquidazione degli immobili protegge gli acquirenti di case?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Il Real Estate Settlement Procedures Act (Legge sulle procedure di liquidazione immobiliare) garantisce che gli acquirenti ricevano informazioni chiare sui costi di chiusura, sulle condizioni del prestito e sulle commissioni. Inoltre, impedisce pagamenti nascosti o tangenti tra istituti di credito, agenti immobiliari e fornitori di servizi di liquidazione.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>When you take out a mortgage in the United States, you can do so knowing you enjoy many protections under the law. One of those protections comes from the 1974 Real Estate Settlement Procedures Act, or RESPA. RESPA requires mortgage lenders to disclose all loan costs. It also prohibits kickbacks, limits escrow account requirements, and [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6883,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6882","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.7.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"When you take out a mortgage in the United States, you can do so knowing you enjoy many protections under the law. 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