Acquisti immobiliari: il "rent to buy"

di: Angela Piras - Federconsumatori - 19.05.2012
 

Il “rent to buy” è una particolare modalità di acquisto degli immobili. Un’alternativa funzionale per chi vuole acquistare casa, ma non ha a disposizione grosse somme di denaro.

Questa formula diffusa all’estero sta prendendo piede anche in Italia. Nel concreto, consente di acquistare casa e averne fin da subito la disponibilità, dietro pagamento di un canone di locazione mensile. Preliminare a ciò, l’atto di vendita e il versamento di una parte del prezzo dell’immobile, che di norma si aggira intorno al 5-6% del totale. In seguito il “proprietario” verserà ogni mese una somma corrispondente a canone e anticipo sul prezzo totale, per un periodo di tempo concordato tra le parti contraenti, ma che di norma va dai due ai cinque anni. In tutto questo periodo di tempo, il prezzo dell’immobile resterà bloccato e non sarà oggetto di rivalutazioni o adeguamenti. Una volta trascorso il periodo di tempo stabilito, al momento del rogito, l’acquirente salderà la parte restante del prezzo dell’immobile, spesso accendendo un mutuo.

Per certi versi il rent to buy presenta dei punti in comune con "l’affitto con riscatto”, in voga soprattutto negli anni cinquanta e sessanta in cui si voleva favorire l’acquisto della casa anche alle fasce meno abbienti. Dietro pagamento di un canone di locazione, della durata di diversi anni, l’inquilino poteva riscattare le case popolari, e acquistarne in definitiva la proprietà.

Commenti

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It's great to fish in the

It's great to fish in the summer when the air is warm and the lake is calm. There are fishermen, though, who can't wait for winter and the lake to freeze solid. Ice fishing is a sport that many people enjoy, extending the fishing season to year-round pleasure. What's more, ice fishing is a great family activity. ice fishing

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Per le giovani coppie, per

Per le giovani coppie, per chi vive di lavoro precario e non può accedere al mutuo o tante persone che hanno difficoltà con le operazioni tradizionali, sicuramente è l'opportunità per l'acquisto della casa. E' sicuramente un'opportunità molto vantaggiosa per l'acquirente, ma in tempi di crisi anche per il proprietario.

Il Rent to Buy grazie alla

Il Rent to Buy grazie alla sua flessibilità va incontro alle esigenze di coloro che devono vendere la propria casa per acquistarne una nuova. Acquistando la nuova casa con il "Rent to Buy", la si può abitare da subito, liberando così quella usata per venderla senza fretta al miglior prezzo. Non appena effettuato il rogito per la vendita dell'immobile usato si potrà così, con la liquidità ottenuta, provvedere a rogitare il nuovo, accendendo eventualmente un mutuo di importo inferiore e commisurato alle effettive necessità finanziarie del momento.

Con la modalità "rent to buy"

Con la modalità "rent to buy" potrebbe risultare rischioso versare acconti per bloccare l'acquisto di un immobile in costruzione, perchè, nel caso in cui fallisse l'impresa costruttrice, non ci sarebbe la garanzia di fidejussione, per tutelare l'acquirente, come avviene per un normale acquisto immobiliare.

Il "Rent to Buy" costituisce

Il "Rent to Buy" costituisce quindi una "leva finanziaria gratuita" ed è molto più conveniente del mutuo al 100%!

mi ha preso il commento

mi ha preso il commento precedente: volevo dire che è un normale atto di compravendita che avviene tra venditore e compratore senza che di mezzo vi sia alcun intermediario finanziario come invece si potrebbe supporre

bisogna però considerare il

bisogna però considerare il fatto che per costare di meno sicuramente avranno minore garanzia.E' tipico ad esempio la rinuncia sulla rivalsa il che comporta che se hai un sinistro e hai la revisione scaduta o guidi in stato di ebrezza l'assicurazione paga la controparte ma poi si rivale su di te.

Negli Stati Uniti, in

Negli Stati Uniti, in Australia, nel Regno Unito, in Irlanda, in Canada e in Spagna, la formula del "rent to buy" si è diffusa a seguito della crisi dei mutui sub-prime.