NovitAi?? sui Mutui dal Decreto sullo Sviluppo

Categorie: Mutui

A? stato approvato proprio in questi giorni il decreto sviluppo che ha ripensato alcune regole legate ai mutui, soprattutto dal punto di vista della rinegoziazione di quelli a tasso variabile in tasso fisso. Tuttavia, non sono mancate le polemiche, legate al tasso di usura, la cui soglia ha subito comunque delle variazioni. Stando a quanto dichiarato dallai??i??Abi, perA?, nessuno scandalo nella normativa italiana, visto che questai??i??ultima altro non farebbe se non allinearsi a quella giAi?? in vigore nel resto dai??i??Europa.
Non dello stesso avviso le associazioni dei consumatori, che hanno rilasciato dichiarazioni al vetriolo, sostenendo che, in questo modo, altro non accade se non legalizzare lai??i??usura.
Lai??i??Abi risponde ancora, sottolineando che soltanto in Italia e in Francia esiste una normativa che, stabilito il tasso di usura, lo rende rilevante anche dal punto di vista penale. In tutti gli altri Stati, invece, esistono sAi?? delle soglie per i tassi dai??i??interesse ma non sono cosAi?? stringenti come nel nostro Paese: una condizione che favorirebbe sAi?? gli istituti di credito, ma anche paradossalmente i clienti, che potrebbero beneficiare di maggiori possibilitAi?? presso i circuiti legali di prestito. Forse unai??i??argomentazione un poai??i?? debole che, a quanto pare, non ha convinto i consumatori, i quali temono, invece, un aumento tout court dei costi per un finanziamento o per un mutuo.

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