For a few days i rates applied to mortgages they started to rise again, exceeding the 2% threshold in the case of those indexed at a fixed rate. The result is that the variable rate of the fixed rate has in fact returned to being cheaper, after a long period in which the difference between fixed and variable rates for new loans was practically zero. Not only. Also according to Facile.it, from the comparison between April 2022 and April 2021 it emerged that, among the main evidences, there is a change in the identikit of the average applicant – a phenomenon substantially due to the increase in the share of Under 36s who started the procedures to obtain a mortgage – and the increase in the percentage weight of requests for financing for the purchase of a first home on the total number of applications presented; again, the determining factor for this is the increase in the number of young applicants.
WHAT HAS CHANGED
Looking at the fixed rate, this is how the values of the Euriris index and the best Taegs offered to the client have changed from January to today: Eurirs (20 years) went from 0.60 (January 4, 2022) to 1, 97 (May 9, 2022), while the customer fixed rate (best Teag) rose from 1.21% (January 22) to 2.12% (May 22). For those who have already signed a fixed-rate mortgage, nothing changes, for those who have to sign it today, the differences are about 45 euros on the monthly payment. As regards the variable rate, however, the 3-month Euribor went from -0.57 (January 4, 2022) to -0.40 (May 9, 22) and the rates proposed to the aspiring borrower (best Taeg) have changed. from 0.72% (January 22) to 0.75% (May 22). So in fact the monthly payment has remained practically unchanged. The variable rate, therefore, becomes an interesting alternative to the fixed rate again.
THE OFFERS
The great competition between credit institutions is, at this moment, keeping the costs of the best available offer practically unchanged for the customer who has to take out the loan. Looking at the future prospects, for fixed rates, guided by the IRS, we must look at the trend of the German Bund, while for the variable ones, guided by Euribor, the monetary policy of the ECB and the possible decision to increase the cost will be decisive. some money. «In general», say the experts of Facile.it and Mutui.it, «we expect an increase in the indices, but the extent of this will be linked to a series of highly uncertain variables such as, for example, the conflict in Ukraine, the cost of raw materials, the weight of inflation, the economic trend and, as mentioned, the decisions of the European Central Bank ».
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