- BCE aumenta il tasso di interesse al 4,50% per combattere inflazione.
- Prosegue l’aumento del costo dei mutui a tasso variabile
- Con la surroga si blocca la rata gratuitamente
Il 14 settembre 2023, la Banca Centrale Europea (BCE) ha comunicato un aumento significativo del tasso di interesse principale dell'area euro, portandolo dall'attuale 4,25% al 4,50%.
Secondo quanto dichiarato dalla BCE nel comunicato ufficiale, l'obiettivo primario di questo rialzo dei tassi è di contribuire in modo sostanziale al raggiungimento dell'obiettivo di inflazione dell'Unione Europea, fissato al 2% entro la fine del 2025. Questa decisione avrà implicazioni dirette sui tassi Euribor, che a loro volta influenzano il costo dei mutui a tasso variabile.
Per meglio comprendere l’impatto degli aumenti del costo del denaro, la redazione di MutuiSupermarket ha simulato un mutuo medio di € 150.000 in 25 anni accesso a settembre 2021 a tasso variabile pari a Euribor 3 mesi + spread dell’1%. Il nostro mutuo tipo, in due anni ha visto schizzare la rata dai 528,75 euro iniziali agli 844,64 euro di questo mese. In seguito all’ultima decisione della BCE, abbiamo estrapolato le previsioni di mercato sull’Euribor dall’andamento dei Futures sull’Euribor stesso, scambiati al mercato Liffe di Londra.
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)
Se tali previsioni si avverassero, la rata del nostro mutuo continuerà la sua crescita fino a Febbraio 2024 dove raggiungerà il picco di 859 euro per poi declinare lentamente agli 830 euro di dicembre 2024.
I titolari di mutui a tasso fisso hanno, tuttavia, un’arma formidabile per difendersi dal caro tassi: la surroga che consente di cambiare banca e tipologia di tasso del proprio mutuo. Nel nostro esempio, se surrogassimo oggi il mutuo sottoscritto nel 2021 a tasso fisso mantenendo invariata la durata residua, la migliore offerta di surroga è quella di BPER che prevede un tasso fisso del 3,93% e una rata fissa di 774,65 euro. A conti fatti da qui a fine 2024, se le previsioni dei Futures sono esatte, con la surroga si risparmieranno 1.113,66 euro in soli 15 mesi.
Per chi possiede una casa di classe energetica A o B, i vantaggi aumentano in quanto BPER ha lanciato il nuovo Mutuo Promo Surroga che con un tasso fisso del 3,39% è attualmente il più vantaggioso di mercato e nel nostro esempio offrirebbe una rata di 734,25 euro e un risparmio totale fino a dicembre 2024 di 1.719,69 euro.
La Surroga: cos’è e come funziona
La surroga del mutuo, introdotta dal Decreto Bersani nel 2007, rappresenta la soluzione ideale per coloro che desiderano ridurre l'onere delle rate del proprio mutuo e risparmiare in termini di interessi da pagare sul finanziamento in corso.
Il nuovo mutuo di surroga dovrà essere pari all'ammontare ancora dovuto del mutuo precedente. Tuttavia, è possibile modificare il tipo di tasso o la durata del nuovo mutuo di surroga per adattarlo alle proprie esigenze finanziarie.
Tutte le spese associate all'acquisizione del nuovo mutuo di surroga, comprese quelle notarili, saranno coperte dalla nuova banca. Di conseguenza, la surroga non comporta alcun costo per il richiedente e non implica procedure burocratiche complesse, poiché sarà la nuova banca a gestire il passaggio da quella precedente.
L'aumento dei tassi d'interesse ha reso la surroga del mutuo un'opzione allettante per i mutuatari, permettendo loro di limitare l'incremento delle rate e di risparmiare notevolmente sugli interessi e senza avere costi aggiuntivi. È fondamentale valutare attentamente questa opportunità alla luce della situazione attuale del mercato finanziario.
Prevedere l'andamento dei tassi di interesse e adottare strategie adeguate è cruciale per chi detiene un mutuo a tasso variabile. La surrogazione a un tasso fisso può rappresentare una scelta vantaggiosa per proteggere il proprio bilancio familiare e garantire stabilità finanziaria nel contesto di un mercato in evoluzione.
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