- Tassi di interesse fermi al 4,50%: nessun taglio dalla BCE
- IRS in risalita: questo è il momento migliore per stipulare un mutuo a tasso fisso
Il 2023 ha registrato una diminuzione della domanda di mutui del 17,2%, principalmente a causa dell'intensificarsi della lotta all'inflazione da parte della BCE. Quest'ultima ha incrementato i tassi di interesse di 450 punti base in 14 mesi a partire da luglio 2022, influenzando notevolmente il mercato immobiliare, strettamente connesso a quello dei mutui.
Nella prima conferenza del 2024, la BCE ha confermato la decisione già prevista, mantenendo invariati i tassi al 4,5%.
A gennaio, i tassi fissi rimangono stabili, rappresentando un periodo favorevole per considerare un mutuo a tasso fisso. Al contrario, rimandare nella speranza di ottenere tassi ancora più vantaggiosi potrebbe rivelarsi rischioso, dato che l'IRS è in risalita, generando incertezza nelle banche e una rivalutazione delle loro offerte.
Coloro che desiderano optare per un mutuo a tasso variabile con la stessa convenienza di quello fisso dovrebbero essere disposti ad attendere almeno un anno. Al momento, i tassi variabili si attestano al 3,90%, ma per eguagliare quelli fissi, sarebbe necessario un taglio di 130 punti base.
Andamento storico e atteso del costo del denaro
Nel grafico qui proposto, mostriamo come nel 2022, l’IRS ha cominciato a scontare i tassi prima dell’Euribor. Prima che si verifichi una discesa anche dei variabili, si dovrà attendere un taglio dei tassi da parte della BCE.
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)
Andamento del mercato dei mutui 2024
Secondo le analisi condotte dal nostro osservatorio, l'andamento del mercato dei mutui nel mese di gennaio 2024, evidenziando un leggero incremento dello 0,03% nell'IRS a 20 anni per i mutui a tasso fisso, posizionandosi al 2,63%. Intanto, l'Euribor, l'indice corrispondente ai mutui a tasso variabile registra una media del 3,93% e una modesta diminuzione dello -0,01%
Simulazione Migliori Mutui Green a Tasso Fisso per immobili di classe energetica A, B o C.
Analizziamo una simulazione basata su un immobile a Milano dal valore di € 200.000, importo richiesto € 160.000 e durata del mutuo 30 anni, richiedente di 34 anni con reddito mensile € 2.400.
Simulazione a Tasso Fisso - LTV 80%
* Offerta valida anche per immobili di Classe energetica B
** Offerta valida anche per immobili di Classe energetica B e C
*** Offerta valida anche per immobili di qualsiasi Classe energetica
Simulazione Migliori Mutui a Tasso Fisso per immobili di classe energetica D o inferiore
Ora analizziamo una simulazione basata su un immobile situato a Milano del valore di € 200.000, importo richiesto € 160.000 e durata del mutuo 30 anni, richiedente di 34 anni con reddito mensile € 2.400
Simulazione a Tasso Fisso - LTV 80%
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