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La FINMA è favorevole all'inasprimento delle misure di autoregolamentazione per la concessione di ipoteche e ha approvato la proposta elaborata dall’Associazione svizzera dei banchieri. In una nota diramata mercoledì, l’organo di vigilanza ricorda che negli ultimi anni gli immobili da reddito hanno subito un forte rincaro. Alla luce di questa considerazione di fondo, vengono riconosciuti come “standard minimi” gli adeguamenti proposti in giugno.
Le nuove norme di autodisciplina prevedono, in sintesi, che per ottenere il finanziamento di un immobile da reddito il mutuatario debba disporre di fondi propri pari ad almeno il 25% del valore di anticipo, invece dell’attuale 10.
Le nuove misure riguardano solo le nuove operazioni e lasciano invariati sia i finanziamenti già in corso, sia gli standard vigenti per gli immobili di proprietà ad uso proprio. Le nuove disposizioni entreranno in vigore il 1° gennaio 2020, qualora il Consiglio federale dovesse dare il suo avallo.
Immobili da rendita, limitare i crediti ipotecari
Telegiornale 28.08.2019, 20:00
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