Come valutare i Requisiti di un Immobile per la Concessione di un Mutuo

Categorie: Mutui

Senza un immobile sul quale iscrivere unai??i??ipoteca, sarebbe praticamente impossibile poter ottenere la concessione di un mutuo.
Infatti, A? lai??i??ipoteca che garantisce il debito presso la banca e, per questo motivo, viene richiesto che gli immobili abbiano delle caratteristiche fondamentali, senza le quali non sarAi?? facile avere dei finanziamenti superiori a circa 30 mila euro.
Prima di tutto, viene richiesto che il bene periziato sia esattamente quello presente al catasto: lai??i??identificazione avviene attraverso i dati catastali ufficiali che possono individuare planimetria, confini e ubicazione dellai??i??immobile.
Sempre tramite perizia, andrAi?? poi valutato il Purchase geriforte syp valore dellai??i??immobile, e sarAi?? questo parametro a determinare in che misura lai??i??unitAi?? abitativa possa rappresentare una garanzia per il mutuo.
Due sono i ai???valoriai??? di cui si parla. Il valore commerciale identifica il prezzo al quale A? possibile vendere unai??i??unitAi?? immobiliare, il valore cauzionale, invece, rappresenta quello che si ottiene moltiplicando il valore commerciale per un coefficiente dato, pari al 90% o al 95%, ottenendo un risultato sempre inferiore a quello di vendita e che puA? rappresentare uno svantaggio per lai??i??utente, qualora la banca si basi proprio su ciA? per la concessione del mutuo.
Anche lai??i??indice di commerciabilitAi?? di un immobile A? importante e non ha a che vedere con il valore commerciale. A? il caso, ad esempio, di edifici storici o siti in aree particolari: se dovesse sussistere questo tipo di problematica, la banca potrebbe rifiutare di acquisire lai??i??immobile a garanzia ipotecaria.

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