Come funziona il Mutuo Cointestato

Categorie: Mutui

Chiedere un mutuo puA? essere unai??i??attivitAi?? che impegna notevole tempo, perchAi?? molte sono le opzioni che A? possibile scegliere e di cui ci si puA? avvalere o meno.
Avere una panoramica chiara di alcune di queste puA? senzai??i??altro rivelarsi un ottimo modo per non dover perdere ulteriore tempo e chiedere solo le informazioni che realmente interessano, a colpo sicuro.
In questo caso, parliamo dunque, della possibilitAi??, ad esempio, di cointestare il mutuo fra i coniugi.
Lai??i??ipoteca rimane unica ma puA? essere sfruttata da piA? persone, due in questo caso, che comunque sono responsabili finanziariamente entrambi allo stesso modo del risanamento del debito.
In realtAi??, per la banca, potrebbe rappresentare un punto a favore di chi richiede il mutuo: due individui che se ne accollano lai??i??ammortamento, infatti, offrono certamente piA? garanzie di una soltanto.
In taluni casi possono anche essere richiesti degli sgravi fiscali per gli interessi passivi oppure ottenere comunque degli ulteriori vantaggi.
E in caso di separazione? Purtroppo, bisogna anche valutare questa possibilitAi??: infatti, le soluzioni al problema non mancano e possono essere molto varie, ma tutto A? legato al tipo di separazione che viene richiesta e agli accordi circa la separazione dei beni.
Non da ultima, anche la presenza di figli sarAi?? una discriminante importante che potrAi?? far prendere delle decisioni piuttosto che delle altre, magari in previsione di una successiva donazione.

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