Piano di Ammortamento alla francese, Ecco Come Funziona

Categorie: Fisco e Leggi

Attenzione al tipo di ammortamento che avete scelto per ripianare il mutuo contratto con la banca. Se avete optato per uno cosiddetto ai???alla franceseai???, tra lai??i??altro fra i piA? diffusi, potreste pagare piA? di quanto previsto dal tasso dai??i??interesse scritto sul contratto.

In realtAi?? questo spiacevole ai???effetto collateraleai??? A? quanto accade a causa della natura stessa del piano di ammortamento, che spesso prevede delle rate semestrali ma un tasso dai??i??interesse annuale. Questa differenza provoca una variazione, in termini finanziari anche se non monetari, che va a tutto vantaggio del soggetto erogatore del credito. Infatti, A? decisamente piA? favorevole, per una banca poter disporre dei soldi ricevuti a sei mesi, provvedendo ad un reinvestimento immediato.



Per quello che riguarda i tassi dai??i??interesse, comunque, il problema con il piano di ammortamento alla francese riguarda la capitalizzazione composta degli stessi, qualora non sia stata sostituita con quella semplice. CiA? che si verifica A?, in pratica, il calcolo degli interessi sugli interessi, condizione che A? irrispettosa delle regole imposte dal Codice Civile. La Corte di Cassazione, con la sentenza 2593 ha, infatti, espressamente dichiarato illegale tale pratica e il Tribunale di Bari, nel 2008, ha recepito tale pronunciamento, dichiarando nel torto gli istituti di credito e attribuendo sentenza favorevole al mutuatario.

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