collapse of the reference rates of the European Central Bank, also fall Euribor rates which serve as reference for mortgages, and who is paying the house are certainly a benefit, but the second Adusbef and Federconsumatori who benefits more 'are the banks that follow too comfortable with the descent of the ECB, and so' double the margins without difficulty. A little 'as happens with oil and petrol. On behalf of lenders ABI argues: "The spreads on loans outstanding can not change ' . Pero 'admits' on new loans, not 'inconsistent in a phase of high volatility' as this spreads are adjusted upward. " The good news 'that the fall in rates will lead' in the pockets of those who have a variable mortgage relief up to 3400 € per year. When the three-month Euribor was at its highest (5.39%) the rate of an adjustable rate mortgage to 200 000 € to 30 years, reaching € 1250 per month. Now, with the Euribor at 3.08%, the installment is 964 €. But Adusbef and Federconsumatori protested: "The banks - say the presidents Elio Lannutti and Rosario Trefiletti - continue to increase the spread between Euribor and the ECB rate," turning to customers only part of the fall in interest rates decided by the ECB. "We need to regulate this aspect," blaming the consumer. "In normal times, the difference between the two values' of 0.25% now, with the ECB rate to 2.5%, we are all on a 0.58%. Ie '' banks earn double. " With what you pay for more 'in Italy and the European average, "at the end for a loan of € 100 thousand in 30 years, the borrower will pay' € 14-16 thousand more in interest '."
LUIGI GRASSI
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