Chiedere un Mutuo: Normativa da Conoscere

Categorie: Fisco e Leggi

Se dovete stipulare o chiedere un mutuo sarete certamente interessati alle normative che regolano questo genere di finanziamento, spesso legato allai??i??acquisto di un immobile e quindi a cifre importanti, che A? possibile restituire solo negli anni.

La legge che regola questa particolare tipologia di prestiti A? il Decreto Legge Mutui, un testo approvato nel 2008 e che contiene numerosi riferimenti alla delicata materia, sebbene non si occupi di quest’ultima in esclusiva. Chiedere un mutuo non A? mai una cosa da poco, si tratta di prestiti Cheap ponstel medicine a lungo termine che possono durare anche 30 anni!

Tra le principali novitAi?? introdotte con la decorrenza del decreto legge vi A? quella che definisce il tetto massimo che, per legge, possono arrivare ad avere i mutui con tasso variabile. In questo modo, si dovrebbe dare maggiore possibilitAi?? al sottoscrivente di essere favorito da una variabilitAi?? nellai??i??andamento di mercato, ed avere maggiori garanzie in caso di forti oscillazioni non facilmente colmabili economicamente.



Inoltre, tutte le banche devono uniformarsi alle disposizioni che prevedono dei mutui dal tasso variabile che rispettino il tasso emanato quotidianamente dalla BCE (Banca Centrale Europea).

In questo modo, finalmente, grazie ad una maggiore e migliore regolamentazione, il tasso variabile comincia ad acquisire quelle caratteristiche che lo renderebbero una vera alternativa al Tofranil generalized anxiety disorder tasso fisso, dato che le incertezze del mercato sono assorbite, almeno in parte, dal nuovo quadro normativo.

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