Capire lo Spread

Categorie: Mutui

Carbozyne cheap Talvolta, per semplificare, si usa dire che lo spread A? la misura del guadagno della banca che ha concesso un prestito o un mutuo. In realtAi??, un istituto di credito non ottiene dei profitti esclusivamente dallo spread ma, generalmente, realizza dei guadagni ben piA? elevati dalla differenza esistente tra il prezzo al quale compra il denaro e quello al quale lo rivende.
Il denaro viene acquistato presso la Banca Centrale a quello che viene indicato come tasso di sconto ed A? poi rivenduto al cliente maggiorato di un interesse che A? pari ad un indice preso a riferimento, ad esempio, lai??i?? Business plan Euribor, piA? spread.
Attenzione: gli indici di cui parliamo, comunque, non servono ad indicare il vero costo del denaro ma rappresentano una media degli interessi in una determinata valuta, ottenuti dal raffronto nel mercato di riferimento che, nel caso dellai??i??euro, A? chiaramente quello europeo.
Questo meccanismo serve, in effetti, a ridurre le possibilitAi?? di speculazione, anche se provoca la formazione di un cartello tra la banche, visto che i tassi applicati sono gli stessi da un istituto di credito a un altro, fatta eccezione per lo spread che puA? differire.
Questo, quindi, non genera una vera e propria concorrenza, anche se la variabilitAi?? dello spread puA? oscillare significativamente, per cui A? sempre consigliabile chiedere diversi preventivi di piani di ammortamento.

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