Il calo delle ultime settimane dei tassi Irs (il riferimento dei mutui fissi), insieme alle aspettative di futuri tagli dei tassi della Banca centrale europea (Bce), stanno accelerano a livelli record la domanda di mutui con sono con finalità di surroga. Nel frattempo le banche stanno portando offerte aggressive sul mercato e sono spuntate spuntate le rottamazioni green che stanno fornendo ulteriore benzina alla corsa.
Molte famiglie nelle ultime settimane si stanno facendo avanti per cercare di rottamare il mutuo vecchio ( variabile ma anche fisso) e ottenere condizioni nuove più favorevoli, per arrivare a uno sconto sulla rata che può tagli può toccare i 200 euro al mese. Il risparmio è consistente soprattutto se si guarda al lungo periodo, con tagli per per diverse migliaia di euro lungo tutto il tempo del finanziamento.
Il trend emerge dai dati dell’ultima Bussola Mutui Crif – MutuiSupermarket sull’ultimo trimestre del 2023. Per cercare di recuperare potere d’acquisto, in una fase in cui l’inflazione morde e gli stipendi sono al palo, le famiglie puntano sulle rinegoziazioni. E infatti l’analisi evidenzia che il ritmo delle surroghe sta aumentando sempre sempre di più, tanto che, nelle prime settimane di quest’anno, le richieste sono quasi raddoppiate.
Del resto, in due mesi lo scenario di base è cambiato radicalmente. La decisa contrazione degli indici Irs, i riferimenti dei mutui fissi, che si è registrata nell’ultimo trimestre del 2023 (per l’Irs a 20 anni il restringimento è stato dell’ordine di uno 0,80%) ha fatto fare un tuffo all’ingiù a questo indice. Dai massimi di ottobre è sceso sempre di più e adesso quota in area 2,6% (da 3,40%). L’andamento ha dato la sveglia alle domande con finalità di nell’ultimo di rottamazione che, dopo aver spiegato sul canale online circa il 22% del totale delle richieste nell’ultimo trimestre trimestre dell’anno appena trascorso, nel corso del mese di gennaio 2024 sono tornate a quota 40% del totale .Si tratta di un valore record che non era stato raggiunto dall’anno 2020, un momento in cui gli indici Irs oscillavano oscillavano attorno a livelli di minimo storico, sotto lo 0,10% (praticamente quota zero).
«Il risparmio che si riesce a ottenere oggi con la surroga è corposo. Anche perché nell’ultimo anno e mezzo i tassi erano cresciuti a grande velocità – spiega Guido Bertolino, responsabile business development di MutuiSupermarket -. Oggi le offerte di surroga arrivano anche al 2,5%. Vuol dire poter tagliare di un punto fino a due punti percentuali, il tasso pagato sui mutui stipulati da poco e con un debito residuo molto alto». Ogni storia è a sé stante e richiede calcoli specifici ma in genere la possibilità di risparmio immediata può arrivare anche anche a 200 euro al mese.
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C’è un altro aspetto ancora che incide sulla corsa alla surroga: le banche hanno capito che c’è richiesta e quindi si sono lanciate sul mercato con proposte tagliate su misura. Hanno obiettivi di budget da raggiungere a fine anno e solitamente gennaio e febbraio sono i mesi in cui partono con più aggressività.
Non solo.
Adesso stanno puntando di più sulle case green e per riuscire a raggiungere un numero più elevato di clienti con efficienza energetica alta, hanno iniziato a fare sconti più interessanti a chi vuole fare la surroga green. «Significa riuscire a a tagliare la rata di un altro mezzo punto percentuale, circa» spiega Bertolino.
Per esempio, per un mutuo di importo 140.000 euro e durata 25 anni, con tasso iniziale al 4-4,2%, le migliori offerte di mutuo di surroga sul mercato possono permettere una riduzione della rata di circa 75 euro (oltre20.000 di20.000 euro di risparmio interessi sulla durata residua del mutuo). Per gli immobili efficienti da un punto divista tassi vista energetico (con classe energetica A, B o C) ottengono tassi fissi di offerta attorno al 2,5%, ossia tassi inferiori durata inferiori al costo del denaro Bce che oggi è al 4,5%. In tal caso, per un mutuo di importo 140.000 euro e durata25 rata25 anni, sempre sottoscritto a un tasso del 4-4,2%, il risparmio da surroga risulterebbe pari a 110 euro per rata(mutuo).(oltre 30.000 euro di risparmio interessi sul piano di rimborso del mutuo).
In ogni caso, il 2024 sarà l’anno della svolta per i mutui. Dopo un 2023 di rialzi a raffica, gli esperti si dicono fiduciosi sull’arrivo dei tagli da parte delle Banche centrali e in particolare da parte di quella europea.
La prudenza tuttavia è in primo piano. «Prima che la Bce possa muoversi per ribassare il livello del costo del denaro denaro sembra possa passare ancora del tempo – sottolinea Roberto Anedda, Senior Advisor Nomisma -.
L’ipotesi indicazioni L’ipotesi è che la mossa possa arrivare in aprile ma forse ancora più probabilmente a giungo. Le indicazioni attuali sono di tagli all’orizzonte ma non è detto che i tassi scendano a gran velocità». La pausa ai rialzi del tasso Bce, stabile al 4,5% dallo scorso settembre 2023, ha tuttavia generato forti aspettative. La certezza è che i tassi tassi futuri comunque rimarremo ben lontani da livelli minimi visti negli anni passati.