Mutui sempre più a tasso fisso, è il tramonto del variabile?
Friday, February 25, 2011
more fixed-rate mortgages, is the setting of the variable? 
The data released yesterday by ABI (Italian Banking Association) in its regular report on the interest rates for mortgages are clear: at least one part of the increase in interest rates - rose from 2.97% to 3, 12% - is linked to the significant increase in requests with regard to fixed rates.
The data released yesterday by ABI (Italian Banking Association) in its regular report on the interest rates for mortgages are clear: at least one part of the increase in interest rates - rose from 2.97% to 3, 12% - is linked to the significant increase in requests with regard to fixed rates. We have moved, in fact, by a rate of 29.7% of applications registered last month, to 41.1% of the current month, which also still lacks analysis of closure had not yet concluded.
The situation is fairly clear: the fixed-rate mortgages are coming to represent the option preferred by consumers. Especially the families, in fact, go in search of safety due to a constant rate and a depreciation plan remains unchanged from month to month. Moreover these are the months of recovery, it is true, but many families are still times of difficulty or have been 'burned' by the economic crisis and now are looking for certainty, particularly in a context 'risky' such as financing.
E 'then the sunset of the absolute variable rate? Of course, the scenario is not what a few months ago, when the variable option was not only the most convenient level of monthly Euribor and then (still is), but also preferred by customers seeking substantially immediate savings.
Today, with the stabilization of economic and financial flows Italians seem less willing to 'risk' with a variable rate such as that - the estimates are known - is destined for a slow and steady growth in Euribor, with the same index that is expected to reach the 'normal' 3 percentage points at the turn of the 2014 and 2015.
If today, then, the floating rate is still the cheapest, within two years the rate could levitate in an important way. It is up to customer choice: save now and 'suffer' a bit 'more later, or vice versa set aside only a few euro in the coming years.
by
www.ciakprestitiemutui.com
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