After nearly two years of unchallenged domination of the variable Italians are rediscovering the charm (and protection) of the fixed rate. From what the pulpit, both offline and online players, the sermon is the same. The fixed, thanks to an exceptional loss of Irs (European rates which, after adding the spread of the bank, will calculate the amount of mortgage repayments in installments blocked) prevails in the latest claims of "paintball" borrowers. Just as in those who, dissatisfied with the conditions of loans taken out at different times, the road test of the assignment, envisaged under the Civil Code but powerfully rilanciata dal decreto Bersani del 2007.
Surroghe (si può cambiare tasso e durata ma non importo) che oggi rappresentano, unitamente alle sostituzioni (si cambia anche l'importo) il 28% del mercato dei mutui, secondo le indicazioni di MutuiOnline.it. Un dato in linea con quello di Assofin, l'associazione del credito al consumo e del mercato immobiliare, secondo cui nei primi nove mesi del 2010 le surroghe costituiscono circa la metà degli "altri mutui" (quelli chiesti per finalità diverse dall'acquisto dalla prima casa) che inglobano il 30% del mercato.
Le surroghe spingono il tasso fisso
«La maggior parte delle richieste di surroghe riguarda il passaggio dal variabile to disk, or from an old drive to a new, cheaper fixed - explains Roberto Anedda, vice president of MutuiOnline.it - \u200b\u200bthat 65% of applications for mortgage loans over the past two months has been the preserve of the drive. "
The overtaking of fixed rate on variable also emerges from the revelations of Mutui.it that today 47% of the requests is a fixed rate for 31% of the variable (marginal mixed and other formulas). This trend will continue? Operators agree that 2011 will begin in the name of a fixed rate (even from a financial standpoint in the long run tends to be higher than the variable). "If the IRS will remain at levels well contained can not be excluded that the end of this year and next before confirming the resumption of the drive - says Giuseppe Piano Mortari, chief operating Assofin - that protects those possible tensions on the rates that some analysts do not exclude the medium term. "
- Vito Lops, Il Sole 24 Ore, 4 December 2010
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