Analizza i Tassi di Interesse del Mutuo

Categorie: Mutui

In Europa, i tassi di interesse per un mutuo sono praticamente gli stessi, essendo regolati da parte della Banca Centrale, che determina il costo del denaro.
Per il tasso fisso prenderemo in esame lai??i??indice Eurirs (detto anche Irs), mentre per quello variabile dovremo considerare lai??i??Euribor.
Un mutuo potrebbe anche essere richiesto in valuta straniera. In tal caso si applica il cosiddetto Libor, un acronimo che sta per London Inter Bank Offered Rate e che puA? essere considerato lo speculare dellai??i??Euribor ma per il calcolo delle variazioni che si verificano in quei prestiti che non sono in euro. Il Purchase lady era review tasso capped rate o Cap A? usato sempre per i tassi variabili.
Quando si sceglie di adottare questo indice come riferimento si stipula da contratto un limite massimo oltre il quale non si potrAi?? mai andare, anche se nel mercato reale si dovesse verificare un aumento maggiore.
In questo modo, ci si riesce a tutelare dalle eventuali crescite di mercato senza perdere la convenienza che solo un tasso variabile puA? offrire.
Attenzione, perA?, perchAi?? si presuppone che lo spread, in presenza di un mutuo con cap, sia piA? elevato di quanto non sia con un tasso variabile nominale. Assignment
Infine, il tasso bilanciato A? composto da una parte di tasso fisso e da una parte di tasso variabile, che il mutuatario puA? combinare a seconda della propria convenienza secondo le regole contrattuali.

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