Differenza tra Mutuo Ipotecario e Mutuo Fondiario
Tempo di lettura: 3 minuti

Per scegliere consapevolmente la tipologia di mutuo più adatta alla propria situazione bisogna sicuramente conoscere la principale differenza tra mutuo ipotecario e mutuo fondiario.

DIFFERENZA TRA MUTUO IPOTECARIO E MUTUO FONDIARIO

Differenza tra Mutuo Ipotecario e Mutuo Fondiario

Stai cercando di valutare la forma di finanziamento più adatta alle tue esigenze, magari per finanziare una tua idea di business, o semplicemente per le tue esigenze personali (in tal caso avrai già sviluppato il tuo BUSINESS PLAN), probabilmente hai già individuato il mutuo come strumento adatto a te e stai cercando informazioni in rete per effettuare una valutazione sul contratto che ti ha proposto la tua banca.

Molto probabilmente vorresti comprendere la differenza tra Mutuo Ipotecario e Mutuo Fondiario. Bene, in questo breve articolo noi di Commercialista-Consulente.it – Commercialisti e Avvocati Esperti di Mutui Bancari – spieghiamo in maniera semplice e sintetica tale differenza.

COS’E’ IL MUTUO FONDIARIO?

Il mutuo fondiario è un finanziamento erogato esclusivamente per l’acquisto, la costruzione, ristrutturazione della prima casa, cioè dell’abitazione principale. Il piano di ammortamento può avere una durata minima di 18 mesi e massima di 30 anni.

La garanzia è costituita dalla necessaria iscrizione di ipoteca sull’ immobile acquistato. Tale tipologia di mutuo permette di avere sia un tasso di interesse agevolato sia delle spese fiscali e notarili ridotte.

Vi sono, però, anche dei limiti perchè l’importo erogabile non può superare l’80% del valore dell’immobile stesso A PENA DI NULLITA’ DEL CONTRATTO CON TUTTI I VANTAGGI CHE NE CONSEGUONO PER IL MUTUATARIO (si veda: ” NULLITA’ DEL MUTUO FONDIARIO”). In altri termini, il mutuatario dovrà pagare il 20% del valore dell’immobile in anticipo.

Vi sono diversi tipi di mutui fondiari, tra cui abbiamo il mutuo fondiario:

  • a tasso fisso che prevede che, per tutta la durata del contratto, sia pagata una rata di uguale importo con tasso d’interesse calcolato sulle condizioni del mercato al momento della stipula;
  • a tasso variabile che prevede che i tassi di interesse mutano a seconda all’andamento di mercato, con conseguente cambio nel tempo dell’importo della rata;
  • a tasso misto laddove per alcuni periodi si applica il tasso variabile e per altri il tasso fisso;
  • a rata costante, laddove la rata è sempre uguale, ma in base all’andamento del tasso Euribor e di conseguenza al variare dei costi connessi al tasso di interesse sarà possibile avere una diversa durata del piano di ammortamento;
  • a tasso variabile con cap ossia un mutuo con tasso variabile ma che prevede un tetto massimo;
  • a rata crescente che prevedono un aumento della rata nel corso del tempo.

COS’E’ IL MUTUO IPOTECARIO ?

Il mutuo ipotecario, invece, è un finanziamento che ha un piano di ammortamento che va da 5 a 30 anni; viene spesso utilizzato per l’acquisto della casa (non della prima casa), ma può essere richiesto anche per altri scopi (per esempio, per il consolidamento dei debiti).

Può essere erogato anche per somme superiori al limite dell’80% del valore dell’immobile.

È, quindi, la scelta migliore per chi non ha liquidità in anticipo.

A pari del mutuo fondiario, è prevista l’iscrizione di ipoteca sull’immobile.

Il mutuo ipotecario di distingue a seconda dei diversi tassi di interesse, e così abbiamo il mutuo ipotecario:

  • a tasso fisso;
  • a tasso variabile;
  •  a tasso variabile con tetto massimo;
  • a tasso doppio poiché la rata è divisa in due parti: su una viene calcolato il tasso fisso e sull’altra il tasso variabile.

Detto ciò, le differenze tra il mutuo fondiario e il mutuo ipotecario sono le seguenti:

  • l‘ammontare concesso poiché nel mutuo fondiario è pari massimo all’80% del valore dell’immobile, mentre nel mutuo ipotecario tale limite non opera potendo la banca decidere anche di finanziare l’intero importo;
  • le finalità perché, come prima detto,il mutuo fondiario può essere concesso solo in limitati casi;
  • le spese notarili sono più basse nel mutuo fondiario;
  •  il tasso di interesse agevolato per il mutuo fondiario.

Dal punto di vista delle banche, il mutuo fondiario risulta più conveniente anche perché la banca, non subisce l’eventuale revocatoria fallimentare potendo, invece, chiedere l’esecuzione dell’ipoteca, anche quando è già instaurata la procedura concorsuale; l’istituto di credito ha, quindi, una maggiore garanzia per il mutuo fondiario rispetto a quella per il mutuo ipotecario.


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