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Loan - new to the APR calculation of settlement of the loan costs

New rules for consumer credit , which will take effect in our country thanks to the legislative decree number 141 of 2010. The order contains important developments relating to contracts for grants and loans.
A major change concerns the so-called APR, a parameter that indicates or should indicate vistociò happened in the past, the total cost of financing. Under the new rules, the APR must include not only all the costs associated with the loan but also the management of current accounts and insurance if they are required to obtain financing.

Among other innovations in the regulation of consumer credit is the right of withdrawal, which allow consumers, free of charge cancel the loan within 14 days whether the signature is to be concluded at the branches of banks and financial institutions or elsewhere.
This right applies not only to the loan agreement but also for example the insurance policy that protects against the risk insolvency policy that is increasingly required to obtain financing.