{"id":6203,"date":"2013-01-11T20:12:08","date_gmt":"2013-01-11T19:12:08","guid":{"rendered":"https:\/\/www.okversilia.net\/b\/?p=6203"},"modified":"2013-01-14T16:36:49","modified_gmt":"2013-01-14T15:36:49","slug":"banche-lo-spread-scende-ma-non-cala-la-rata-del-mutuo","status":"publish","type":"post","link":"https:\/\/www.okversilia.net\/b\/2013\/01\/11\/banche-lo-spread-scende-ma-non-cala-la-rata-del-mutuo\/","title":{"rendered":"Banche lo spread scende ma non cala la rata del mutuo"},"content":{"rendered":"<p style=\"text-align: justify;\"><a href=\"https:\/\/www.okversilia.net\/b\/2013\/01\/banche-lo-spread-scende-ma-non-cala-la-rata-del-mutuo\/mutui-case\/\" rel=\"attachment wp-att-6204\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-thumbnail wp-image-6204\" alt=\"mutui-case\" src=\"https:\/\/www.okversilia.net\/b\/https:\/\/www.okversilia.net\/b\/wp-content\/uploads\/2013\/01\/mutui-case-150x147.jpg\" width=\"150\" height=\"147\" srcset=\"https:\/\/www.okversilia.net\/b\/https:\/\/www.okversilia.net\/b\/wp-content\/uploads\/2013\/01\/mutui-case-150x147.jpg 150w, https:\/\/www.okversilia.net\/b\/https:\/\/www.okversilia.net\/b\/wp-content\/uploads\/2013\/01\/mutui-case.jpg 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a>ROMA \u2013 Perch\u00e9 lo spread tra BTp e Bund continua a calare e, invece, il tasso dei mutui resta ingessato ai livelli record di un anno fa? Non \u00e8 una domanda retorica: al momento sembra pi\u00f9 un quesito irrisolvibile, un enigma se non si vuol pensar male e dar retta alle pallide giustificazione delle banche. Nemmeno il Sole 24 Ore sa rispondere, anche se, il sospetto che gli istituti di credito italiani ci marcino un po\u2019 esiste, ovvero che \u201cuno spread elevato sia in fondo soltanto un alibi per generare ricavi alle spalle di famiglie e imprese\u201d.<!--more--><\/p>\n<p style=\"text-align: justify;\">Il punto \u00e8 proprio questo. Le banche non stanno trasferendo a famiglie e imprese i vantaggi che stanno ricevendo dall\u2019abbassamento dello spread. E in Italia, accendere un mutuo vuol dire sobbarcarsi un tasso, in media, del 4,05%, un punto percentuale in pi\u00f9 della disastratissima Spagna (lo dice la Bce). Finora, nell\u2019ultimo travagliato anno, tutto era colpa del famigerato spread. Ora che \u00e8 sceso pi\u00f9 in basso della cosiddetta quota Monti (287 punti) contro i 575 punti del novembre 2011, lo Stato spende meno per finanziarsi, i titolo bancari hanno recuperato quasi l\u201980% delle perdite da luglio, ma per imprese e famiglie il mutuo resta lo stesso. A meno di considerare lo sconto minimo di 41 punti qualcosa.<\/p>\n<p style=\"text-align: justify;\">La formazione del tasso di interesse sul mutuo \u00e8 data dall\u2019Euribor (il tasso con cui le banche si prestano i soldi fra loro e che qualcuno ha provato perfino a manipolare) e dallo spread, cio\u00e8 il differenziale tra i tassi di interesse di Btp e italiani e bund tedeschi. Un anno fa le famiglie italiane pagavano in media il 3,55% per il differenziale aggiuntivo, lo spread bancario che si somma al tasso Euribor (quest\u2019ultimo pari nel febbraio 2012 a 1,08% per la scadenza a tre mesi). Oggi, invece, con l\u2019Euribor tra l\u2019altro ai minimi storici (pari allo 0,19% per i tre mesi), quel costo \u201cbancario\u201d \u00e8 sceso al 3,14%: uno \u201csconto\u201d di soli 41 punti base.<\/p>\n<p style=\"text-align: justify;\">Le banche, chiamate in causa, danno la colpa al costo della raccolta, ancora troppo elevata rispetto a prima del crack Lehmann. Poi le leggi italiane sono troppo stringenti: ogni mutuo deve prevedere un accantonamento patrimoniale, in Italia mediamente pi\u00f9 alto. Altra giustificazione (invero un po\u2019 debole) la lentezza delle giustizia civile italiana (per recuperare ad esempio un immobile ci possono volere dieci anni). Ma perch\u00e9, prima del crack Lehmann la giustizia civile italiana era forse veloce?<\/p>\n<p style=\"text-align: justify;\">Banche lo spread scende ma non cala la rata del mutuo<\/p>\n<p style=\"text-align: justify;\">fonte:\u00a0<a title=\"Mutui: lo spread scende ma la rata no. Il braccino corto delle banche\" href=\"http:\/\/www.blitzquotidiano.it\/economia\/mutui-lo-spread-scende-ma-la-rata-no-il-1444728\/\" target=\"_blank\">blitzquotidiano.it<\/a><\/p>\n<h2><a title=\"Permalink to Pignoramenti casa in aumento si puo evitare l\u2019asta\" href=\"https:\/\/www.okversilia.net\/b\/2013\/01\/pignoramenti-casa-in-aumento-si-puo-evitare-lasta\/\" rel=\"bookmark\">Pignoramenti casa in aumento si puo evitare l\u2019asta<\/a><\/h2>\n","protected":false},"excerpt":{"rendered":"<p>ROMA \u2013 Perch\u00e9 lo spread tra BTp e Bund continua a calare e, invece, il tasso dei mutui resta ingessato ai livelli record di un anno fa? Non \u00e8 una domanda retorica: al momento sembra pi\u00f9 un quesito irrisolvibile, un &hellip; <a href=\"https:\/\/www.okversilia.net\/b\/2013\/01\/11\/banche-lo-spread-scende-ma-non-cala-la-rata-del-mutuo\/\">Continua a leggere<span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","ngg_post_thumbnail":0,"footnotes":""},"categories":[238,239,46],"tags":[299,1542,1544,1543,415,1541],"class_list":["post-6203","post","type-post","status-publish","format-standard","hentry","category-immobiliare-notizie-immobiliare-investimenti","category-italia-notizie-immobiliare-investimenti","category-notizie-immobiliare-investimenti","tag-banche","tag-btp-e-bund","tag-differenziale","tag-euribor","tag-mutui","tag-spread"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - 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Unali","image":{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/secure.gravatar.com\/avatar\/de39df6de400608bd806c9031495130db7b31b426d8d0c0afb6165dfcb07af98?s=96&d=wavatar&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/de39df6de400608bd806c9031495130db7b31b426d8d0c0afb6165dfcb07af98?s=96&d=wavatar&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/de39df6de400608bd806c9031495130db7b31b426d8d0c0afb6165dfcb07af98?s=96&d=wavatar&r=g","caption":"Fabrizio Unali"},"url":"https:\/\/www.okversilia.net\/b\/author\/admin\/"}]}},"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"wysija-newsletters-max":false,"1536x1536":false,"2048x2048":false,"wptouch-new-thumbnail":false,"post-thumbnail":false},"uagb_author_info":{"display_name":"Fabrizio Unali","author_link":"https:\/\/www.okversilia.net\/b\/author\/admin\/"},"uagb_comment_info":0,"uagb_excerpt":"ROMA \u2013 Perch\u00e9 lo spread tra BTp e Bund continua a calare e, invece, il tasso dei mutui resta ingessato ai livelli record di un anno fa? Non \u00e8 una domanda retorica: al momento sembra pi\u00f9 un quesito irrisolvibile, un &hellip; Continua a leggere&rarr;","_links":{"self":[{"href":"https:\/\/www.okversilia.net\/b\/wp-json\/wp\/v2\/posts\/6203","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.okversilia.net\/b\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.okversilia.net\/b\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.okversilia.net\/b\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.okversilia.net\/b\/wp-json\/wp\/v2\/comments?post=6203"}],"version-history":[{"count":5,"href":"https:\/\/www.okversilia.net\/b\/wp-json\/wp\/v2\/posts\/6203\/revisions"}],"predecessor-version":[{"id":6207,"href":"https:\/\/www.okversilia.net\/b\/wp-json\/wp\/v2\/posts\/6203\/revisions\/6207"}],"wp:attachment":[{"href":"https:\/\/www.okversilia.net\/b\/wp-json\/wp\/v2\/media?parent=6203"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.okversilia.net\/b\/wp-json\/wp\/v2\/categories?post=6203"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.okversilia.net\/b\/wp-json\/wp\/v2\/tags?post=6203"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}