Clausola Floor nei Mutui a Tasso Variabile

Categorie: Mutui

I mutui possono essere scelti a tasso variabile oppure fisso, a seconda del tipo di investimento che si intende fare e del momento storico nel quale si stipula il contratto. Infatti, in linea di principio, il mutuo a tasso variabile A? conveniente se si pensa di poterlo estinguere nel giro di relativamente poco tempo, perchAi?? si A? messo nel conto la possibilitAi?? di entrare in possesso di una determinata somma, magari derivante dalla vendita di un altro immobile.



Attenzione, comunque, a tutte le clausole che sono contenute nei contratti di mutuo, che siano a tasso fisso o a tasso variabile. In questai??i??ultimo caso, un consiglio in piA? A? quello di verificare se A? prevista la cosiddetta clausola ai???floorai???. La clausola ai???floorai??? consiste, in pratica, nellai??i??inserimento di un tetto minimo del tasso dai??i??interesse, il che significa che, nel caso in cui tale parametro fosse fissato, poniamo, al 3% non si potrebbe mai scendere al di sotto di questa percentuale, neppure se lai??i??Euribor dovesse diminuire arrivando al 2%.

La pratica A? perfettamente legale e, una volta firmato tale contratto, non vi A? altra strada se non quella di surrogare il mutuo rivolgendosi ad un altro istituto di credito, ma la procedura potrebbe rivelarsi lunga e comunque poco agevole.

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