Come non Correre Rischi con i Mutui in Valuta Estera

Categorie: Agevolazioni Mutui

Con un mercato globalizzato come quello attuale, non A? raro pensare di trovarsi a poter scegliere dei mutui che non siano nella propria valuta di riferimento, ma in una straniera. Spesso, poi, si viene a conoscenza di Stati in cui i tassi di interesse sono molto contenuti, intorno allai??i??1%, e ci si chiede perchAi?? non stipulare allai??i??estero un finanziamento, vista lai??i??estrema vantaggiositAi?? delle condizioni di sottoscrizione.
In effetti, A? possibile anche da noi sottoscrivere dei mutui che siano in unai??i??altra valuta ma non A? detto che, nella realtAi??, si tratti poi di una scelta realmente conveniente.
Infatti, il piano di ammortamento sarAi?? poi completamente organizzato sulla divisa estera e, se non si possiede una fonte diretta di introiti in tale valuta, si sarAi?? sempre soggetti alle oscillazioni del mercato valutario.
Da un punto di vista tecnico, per la banca il mutuatario avrAi?? accettato di accollarsi il cosiddetto rischio di cambio: non va dimenticato che, a ciA?, si dovrAi?? aggiungere anche il costo della commissione a favore della banca che effettua lai??i??operazione di conversione della valuta.
In piA?, A? facile che si sia costretti anche allai??i??apertura di un conto corrente nella divisa del mutuo, ovviamente soggetto al pagamento di imposte e bolli. Where to buy alavert
Dunque, A? consigliabile effettuare questo genere di operazione soltanto se si percepisce un reddito nella stessa valuta in cui si accenderebbe il mutuo, visto che parte dei costi verrebbero tagliati allai??i??origine.

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