La corsa degli svizzeri alla proprietà immobiliare prosegue, anche se procede ad un ritmo leggermente più lento rispetto al recente passato. Fra il 2003 e il 2015 le ipoteche sono aumentate in media del 4,2% all'anno, con tassi ancora più elevati in Ticino e in Romandia.
Nel 2015, rivela uno studio dalla SUP di Lucerna, la crescita è stata inferiore alla media pluriennale (+2,6%) ma ha portato il totale dei crediti concessi per le costruzioni a 924 miliardi. Pertanto è possibile che oggi, 18 novembre 2016, la cifra sia già attorno ai mille miliardi di franchi.
I cantoni più dinamici sono stati Vallese (+6%), Ginevra, Vaud, Ticino e Friburgo e Neuchâtel (tutti +5%). In media Grigioni, Zugo e Zurigo (+4,1%). A chiudere la classifica sono: Sciaffusa, S. Gallo, Appenzello, Glarona, Untervaldo e Basilea Città (2,5-3%).
I crediti ipotecari rappresentano l'86% dei prestiti concessi ai clienti dalle banche che, grazie al differenziale sui tassi, hanno generato 24 miliardi. Le più attive nel settore sono gli istituti cantonali (36% del mercato).
Diem/ATS
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