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Nulla cambia per gli inquilini: l’Ufficio federale delle abitazioni ha lasciato immutato lunedì all’1,75% il tasso ipotecario di riferimento che contribuisce alle determinazione degli affitti in Svizzera. Nel terzo esame annuale, l’UFAB ha quindi confermato le previsioni formulate dagli esperti.
L’anno scorso erano stati registrati due incrementi, i primi dal 2008: si era cominciato in giugno (all’1,50%) e il secondo (all’1,75%) era arrivato in dicembre. Questo aveva portato una parte dei locatori ad aumentare le pigioni, con progressioni che hanno superato anche il 10% e che si erano andate ad aggiungere ad ulteriori salassi sul fronte dei costi dell’abitazione, a partire dai prezzi del riscaldamento e dell’elettricità.
Ora la tendenza si è di nuovo invertita, il quadro generale dei tassi è orientato all’ingiù e sono prevedibili ulteriori tagli al costo del denaro sulla scia di un’inflazione tornata nettamente al di sotto del 2% (1,3% annuo in luglio, il dato di agosto sarà reso noto martedì). Non ancora abbastanza, però, per determinare una nuova correzione.
Cosa è e a cosa serve il tasso di riferimento
Pubblicato a scadenza trimestrale, il tasso d’interesse di riferimento è basato su un tasso d’interesse medio dei crediti ipotecari svizzeri, ponderato secondo il volume dei prestiti. Viene calcolato in quarti di punto percentuali. Questo tasso d’interesse medio, riferito al 30 giugno è sceso dall’1,72% all’1,67% del trimestre precedente. Con l’arrotondamento commerciale, il tasso d’interesse di riferimento, determinante sotto il profilo del diritto della locazione, si conferma così all’1,75%. Rimarrà a questo livello finché il tasso d’interesse medio non scenderà sotto l’1,63% o non supererà l’1,87%. Un incremento dà diritto ai padroni di casa di aumentare la pigione, a condizione che il contratto sia stato sottoscritto quando il tasso era inferiore. Gli inquilini hanno invece il diritto di chiedere un ritocco verso il basso dell’affitto in caso di ribasso del tasso, se il nuovo livello è inferiore a quello al momento della firma.
RG 09.00 del 02.09.2024
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