Le ipoteche a tasso fisso di corta durata attualmente costano di più di quelle a media o lunga durata, anche se di poco. Solitamente è il contrario. Perché? "Il tasso di interesse a lungo termine già sta riflettendo la fiducia degli investitori nella capacità della Banca nazionale svizzera di riportare sotto controllo l'inflazione", spiega Claudio Saputelli, esperto di mercato immobiliare di UBS. In altre parole, "ci si aspetta che anche il tasso guida tornerà ben presto a scendere e che quindi il ciclo di rialzi sia quasi finito".
Quale consiglio dare quindi a chi oggi deve stipulare una nuova ipoteca o rinnovare quella esistente? Secondo Saputelli, "il tasso fisso, soprattutto a lungo termine, ha un costo un po' troppo alto e dovrebbe nei prossimi mesi riscendere". Oggi quindi "il Saron tutto sommato è più economico". Ma "se uno soffre di vertigini o non potrebbe sostenere il Saron in caso di ulteriori rialzi, allora ha senso mischiare i prodotti".
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