Calcolare la rata del fitto

Categorie: Come Risparmiare

Calcolare la rata del fitto A? molto importante: in pratica, dovremo scegliere il tipo di locazione a noi piA? consono anche in base a quale spesa ci A? possibile sostenere ogni mese. Meglio non affidarsi ad un conto, per cosAi?? dire, a occhio, ma cercare di parametrizzarlo il piA? possibile, in modo da non avere brutte sorprese in futuro. Purtroppo, per molti la scelta di andare in affitto A? una necessitAi?? e non una scelta, dato che non si possiede un capitale avanti sul quale poter chiedere un mutuo in banca. In effetti, quindi, si tratta spesso di soluzioni temporanee o di ripiego, e anche questa considerazione ha un suo valore. PerchAi?? dobbiamo sapere se vogliamo riuscire a conservarci qualche soldo per poi poter affrontare lai??i??acquisto di una casa, oppure siamo certi che questo tipo di eventualitAi??, almeno su di un periodo medio breve, non ci interessa affatto. Una volta trovata la risposta a questa domanda, potremo piA? serenamente procedere ai calcoli che il nostro stile di vita cai??i??impone.



Tuttavia, sarebbe sempre preferibile avere come parametro di riferimento il ai???rapporto rata redditoai??? (RRR). Nel caso di un fitto, questa percentuale arriva al 40% dello stipendio mensile netto. Se perA? riusciamo a mantenerci, anche solo di poco, al di sotto di questa percentuale, potremo stare abbastanza tranquilli e far fronte a qualche eventuale spesa imprevista, cosAi?? come farci passare qualche sfizio, di tanto in tanto.

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