Viaggio tra le filiali per scoprire come sono cambiate le condizioni per il cliente
Ormai avere da una banca il 100% della somma spesa è quasi impossibile
Sorpassato il "fisso". Ma gli istituti aumentano i costi e tagliano le somme prestate.
In difficoltà non solo le aziende, ma anche famiglie e giovani coppie
di GIOVANNI PARENTE
ROMA - È un'impresa e non solo per le aziende. La montagna del credito è dura da scalare. Anche per le famiglie o le giovani coppie. Questo nonostante la difesa del sistema bancario da parte del presidente dell'Abi, Corrado Faissola. Trovare un finanziamento al 100% per l'acquisto della house is now almost a rarity. Among those monitored by MutuiOnline, there were 11 banks in 2007 which offered a loan for the full value of the property now became three. One difficulty that obstacle becomes (almost) insurmountable when the request for a loan or a mortgage come from those who have a stable job or who has lost a job and decided to go it alone.
The confirmation comes from a trip to the Republic has made one of the subsidiaries of large banks in some streets of Rome. The motivation to cross the threshold of the bank's real estate market is an opportunity: a flat value of 200 thousand euro. At the door of Intesa Sanpaolo visited, you can for the applicant (permanent employees) a mortgage to 100%. But the monthly payment with a fixed rate mortgage at 6.2% for thirty years, is of 1,225 € per month. Given that the rate can not exceed one third of monthly income, the person who wants to buy (and debt) should gain from permanent employment at least € 3,600 per month. Conditions (permanent employee status and good pay) not exactly commonplace for today's thirtysomethings. The alternative is to lower the threshold for funding, down 80%. Therefore already have their own means of availability to add 40 thousand € 160 thousand provided by the bank. The installment, always choosing a thirty-year mortgage falls to about 930 euro by a fixed rate to 5.7%.
Another bank, another scenario. This time the prospective purchaser is a thirty year old, interested in buying a house with his partner, only that the work is not stable. The consultant to the subsidiary of the Monte dei Paschi di Siena financed out 80% is a variable mortgage with a ceiling (the maximum rate applicable is 5.5%) and is part of a monthly payment of just over 700 € . But, since it is time worker, it is necessary that there be a guarantor. Without "San precarious" embodied by one of the parents and especially from his paycheck or his pension, no mortgage. In
trip there are those who, like the branch of Unicredit offers un prodotto per lavoratori (dipendenti o autonomi) con contratti a termine o a progetto. I paletti però non mancano. Il finanziamento può arrivare al 70% del valore dell'immobile (l'80% se si ha una continuità lavorativa di 60 mesi), fino a un massimo di 200mila euro. E con un mutuo a trent'anni i primi venti sono a tasso fisso e gli altri dieci variabili. Ipotizziamo un mutuo di 150mila euro a vent'anni, tasso fisso a 6,40%, la rata mensile sarà quasi 1.200 euro (polizza assicurativa inclusa).
Nel tour non manca una banca straniera: una filiale di Barclays. La coppia interessata all'acquisto è composta da un autonomo e da una precaria. Si oscilla fra una rata per un mutuo a tasso variabile di 619 euro e una con fixed-rate loan of nearly 900 €. All right? Not just because the self must be "long course". So without an income tax records that it finds in recent years, problems can arise. For example, if the person has lost his job last year and chose to start his own business in early 2009, the certainty of the loan just before it becomes a probability on which to evaluate. So the top of the mountain is always there at the top.
(collaborated Rosa Serrano)
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