Sting on mortgages, how much does the monthly premium increase cost

It’s official there B.C.E. I decided to raise i Taxi That brings it to 3.50%. Refinance3% for those related to artificial intelligence deposits And 3.75% on that Marginal loans. This will inevitably translate into a greater burden on those forms of financing that many Italians use to make their purchases. It is impossible not to think about the consequences Mortgages.

The sting and the risk of not being able to pay the premium

sting Mortgages And loansUnfortunately, he served. After yesterday’s further adjustment to interest rates, the cost of money rose to 3.5%, a level not reached since 2008. Mortgages, especially variable ones, will become a pocket risk for Italians.

Commenting on the situation, Codacons spoke in no uncertain terms of a “sledgehammer”. This is the prevailing feeling. Many now families Who fear they will no longer be able to pay premiums from the mortgage.

How is the situation now

To date, 6.8 million households are in debt, and 3.5 million have to pay installments. While on the other hand those who have a mortgage will be better protected Fixed exchange ratewho resorted to Factor He does not sleep peacefully. at discretion Fabisince the European Central Bank started tweaking i TaxiPremiums for variable rate mortgages grew by an average of 54%. to make Examplewho paid 500 euros now has to pay 770. And that’s not all, because with this new increase of half a point expected March 22nd The situation will only get worse.

the consequences They will also appear on loans. second Mutuisupermarket.italready now Tig from 3.5% to 4.5%. It goes up more than fixed mortgages, data around 3.8-4%, which grew anyway compared to 1.8%.

According to Fabi, with Euribor Up by half a point, we will soon see variable rates that will rise from 0.6% recorded at the end of 2021 to 4.9%.

problems for them too collectibles to premiums. If the average interest rate at the end of 2021 is around 8.1%, according to Fabi, the value could soon reach 11.9%.

are also at risk industries And investmentssince i loans Companies will rise by more than 4%, which will cause severe consequences for the economy.

Deposits and bonds

If, on the one hand, mortgages increase, that won’t happen rewards Provided by credit institutions to those who entrusted them with money.

According to the data provided by my dadthis past February differential Between the average interest rate on loans and the rate of financing of households and companies reached 295 points (259 points in January).

The race for alternatives

discount MutuiOnline.itThe premium, which previously could have been 22% of the average household income, will now be able to reach 30%. Currently, as experts have also suggested, a form of defense is the fixed price. That is why the latter rush to substituteNo old replacement Variable mortgage with a mortgage Fixed exchange rate. However, this is an alternative that not everyone follows, perhaps because it is not easy to meet all the requirements.