Come avviene il Frazionamento di un Mutuo Edilizio

Categorie: Mutui

Per realizzare delle nuove costruzioni A? quasi del tutto impossibile procedere senza che si accenda un mutuo: il costo per la realizzazione di un immobile, infatti, A? estremamente elevato e nessuna impresa edilizia potrebbe effettuarlo senza un finanziamento da parte di un istituto di credito. Order lady era side
Questo genere di esigenza viene risolta grazie alla stipula di un mutuo edilizio, un contratto pensato appositamente per le imprese costruttrici.
I mutui edilizi sono dei finanziamenti di importo considerevole che vengono garantiti tramite unai??i??ipoteca iscritta sul terreno sul quale avviene la realizzazione degli appartamenti.
La somma viene offerta dalla banca in una serie di tranche, a seconda della progressione dei lavori e del conseguente aumento di valore della costruzione.
Lai??i??acquirente di una singola unitAi??, comunque, dovrAi?? rispondere alla banca esclusivamente della quota di mutuo proporzionale alla porzione di fabbricato acquistato, cosAi?? come previsto dal Testo Unico Bancario.
La determinazione del frazionamento avviene a lavori ultimati e dopo che sono state vendute un discreto numero di unitAi?? immobiliari.
A? questo lai??i??atto che determina in che misura il debito dovrAi?? essere ripartito tra le differenti unitAi??, sempre comunque rispettando la volontAi?? e la possibilitAi?? dellai??i??acquirente e per un limite massimo dellai??i??80% del valore dellai??i??appartamento in oggetto.

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