Mutuo Costruzione e Completamento, qualche suggerimento

Categorie: Mutui

Se abbiamo intenzione di costruire la casa dei nostri sogni, magari grazie allai??i??acquisto o allai??i??ereditAi?? di un terreno edificabile, possiamo comunque recarci in banca per richiedere un finanziamento atto allo scopo, a patto di seguire qualche piccolo consiglio ed essere attenti ad alcuni particolari. Non dimentichiamo che questo genere di mutuo si puA? accendere anche nel caso in cui si voglia, e si possa, ampliare la propria abitazione, magari aumentandone la cubatura per ricavarne una stanza in piA?.

La prima regola da seguire A? sempre valida, in entrambi i casi: bisogna recarsi presso un istituto di credito non appena si A? deciso il da farsi, progetti alla mano e non a lavori iniziati. Le banche preferiscono di gran lunga finanziare dei progetti e non dei lavori giAi?? in fase avanzata di realizzazione.



Il secondo punto riguarda le scadenze da ottemperare. Fate bene i vostri conti, tenendo in considerazione che la banca non erogherAi?? il denaro richiesto nel mutuo in una sola soluzione ma piA? plausibilmente in diverse tranche. Se non avete calcolato ciA?, potreste trovarvi poi in difficoltAi?? con i vostri fornitori.

Infine, il terzo punto non puA? non ricordarvi di segnare, e rispettare, la data di consegna indicata: potrebbe essere questa una chiara condizione indicata dalla banca che, se non ottemperata, potrebbe causarvi delle penali.

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