Tipologie per il Piano di Ammortamento del Mutuo

Categorie: Mutui

Il piano di ammortamento indica il modo e i tempi con i quali saranno restituiti i soldi avuti in prestito dalla propria banca o dalla propria finanziaria.

Non A? molto complicato, una volta che si A? scelta la tipologia di riferimento, venire a conoscenza dellai??i??importo da corrispondere mese per mese, grazie ad alcune pratiche tabelle che ciascuna banca A? sempre tenuta a far visionare ai propri clienti.

Le tipologie dei piani di ammortamento si dividono in tre grandi categorie: alla francese, alla tedesca e allai??i??italiana.

Il piA? comune dei piani di ammortamento usati A? quello alla francese. Esso prevede una rata sempre costante, quale che sia la durata del mutuo, e ciA? A? possibile in quanto glai??i??interessi dovuti sono sempre quelli massimi, cosAi?? come A? stato previsto in sede contrattuale. Di conseguenza, la quota capitale A? calcolata semplicemente sottraendo la quota dai??i??interessi al totale dovuto.



Per il piano di ammortamento allai??i??italiana, invece, la rata non A? costante ma sempre variabile. Il meccanismo prevede che glai??i??interessi da corrispondere cambino a seconda del capitale residuo.

Il piano di ammortamento alla tedesca, infine, prevede che la rata dai??i??interessi sia pagata in anticipo e la quota capitale solo successivamente. Il che significa, in pratica, che le prime rate sono costituite quasi del tutto da interessi mentre le ultime sono di quota capitale.

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