Considerato l'attuale contesto caratterizzato dai bassi tassi di interesse i requisiti richiesti per la concessione di ipoteche sono troppo severi e discriminano i giovani: lo sostiene il presidente della direzione di Raiffeisen, Patrik Gisel,
"Una giovane famiglia non ha alcuna chance di ottenere un mutuo", afferma Gisel in un'intervista pubblicata domenica dalla SonntagsZeitung: "I criteri relativi alla sostenibilità sono troppo severi.
Attualmente - spiega il manager 54enne - chi chiede un credito ipotecario di 600'000 franchi con una durata di 10 anni paga 750-800 franchi al mese. La banca concede però il prestito solo se sarebbe in grado di versare allo stesso scopo 2500 franchi. Questo perché l'istituto nei suoi calcoli ricorre a un interesse teorico del 5%, cui si aggiungono ammortamento (1%) e manutenzione (1%). Una famiglia deve quindi essere in grado di far fronte a un onere del 7% dell'ipoteca.
I requisiti minimi, spiega il banchiere, sono necessari ma quelli in vigore eccedono per prudenza: solo i più anziani hanno mezzi a sufficienza nella cassa pensione per accedere ad un prestito. In Svizzera, l'età media di chi accede ad un'ipoteca è infatti di 50 anni.
ATS/Red.MM
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