Accollante, accollato e accollatario nella Stipula del Mutuo

Categorie: Mutui

Quando si stipula un mutuo ci si trova di fronte ad una serie di termini nuovi, che di certo non fanno parte del parlare comune e che non sempre ci vengono spiegati dal nostro consulente finanziario.

A? il caso, ad esempio, delle figure di accollante, accollato, accollatario.

Lai??i??accollante, detto in parole povere, A? colui il quale decide di acquistare un immobile. Nel caso in cui il compratore stia portando a termine una procedura di acquisto su una casa gravata da ipoteca, puA? decidere di farsi carico della stessa e onorare il debito presso lai??i??istituto bancario, pagando le rate del vecchio mutuo che ancora devono scadere.

Lai??i??accollato A?, invece, chi mette in vendita unai??i??abitazione ed, eventualmente, cede unai??i??ipoteca allai??i??accollante. Attenzione a specificare con dovizia di particolari tutte le specifiche relative al mutuo che si sta cedendo o prendendo in carico, e quindi: durata, date e scadenze relative alle rate, doveri e diritti dellai??i??acquirente e del venditore, onde evitare di ritrovarsi in condizioni poco chiare successivamente.

Terza figura, infine, da prendere in considerazione in un atto di compravendita immobiliare A? quella dellai??i??accollatario. Si tratta, in pratica, della banca o della finanziaria, che erogano il mutuo e permettono lai??i??iscrizione di unai??i??ipoteca finalizzata allai??i??acquisto.

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