Tassi di interesse: meccanismi e caratteristiche

Quando chiediamo un prestito, quale che sia lai??i??importo e la finalitAi??, sappiamo che dobbiamo sempre restituire alla societAi?? presso la quale ci siamo rivolti una cifra superiore a quella ottenuta.

A? il cosiddetto tasso dai??i??interesse che fa alzare il costo della rata: la banca o la societAi?? finanziaria A? come un qualunque ai???negozioai??? che vende una merce ad un prezzo maggiorato per poter ottenere un guadagno sulla stessa.

In pratica, il tasso sui prestiti o il tasso sui mutui altro non A? che il compenso percepito dal creditore e che dovrebbe servire a risarcire questai??i??ultimo dal mancato investimento della somma prestata in altri prodotti finanziari redditizi.



Per calcolare quanto dovuto, viene stilato un piano di ammortamento: la somma prestata, maggiorata con il tasso dai??i??interesse previsto in fase di contratto, viene suddivisa in base agli anni prestabiliti per rientrare del debito stipulato. In questo modo, ogni mese, si avrAi?? una rata che comprende il capitale e il tasso dai??i??interesse da restituire. Questo, in linea generale, perchAi?? poi esistono comunque diverse modalitAi?? per ripagare il dovuto, a seconda che si scelgano ammortamenti che prevedono rate variabili o fisse.

Nessun istituto di credito puA? mai superare un determinato tasso dai??i??interesse, altrimenti, cosAi?? come previsto per legge, si ottiene il ai???tasso di usuraai??? perseguibile dalle AutoritAi?? di polizia.

Ricordiamo che il tasso di usura si calcola sulla base dei tassi medi applicati da banche e finanziarie, maggiorato perA? del 50%.

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