Finanziamenti a tasso 0 – Cosa si nasconde dietro?
A seconda dell’operatore finanziario a cui ci si affida si possono ottenere differenti preventivi per uno stesso prestito. Rata, spese di istruttoria, tasso annuale nominale (Tan) sono solo alcuni dei valori da prendere in considerazione nell’individuare l’offerta più conveniente ed economica.
TAN E TAEG
TAN e TAEG sono due tra gli elementi costitutivi di un prestito, insieme al capitale finanziato, alla durata, alle rate e alle condizioni e rappresentano rispettivamente il Tasso Annuo Nominale e il Tasso Annuo Effettivo Globale d’interesse. Si tratta di parametri di interesse cruciale per chi stipula il finanziamento, perché è proprio da questi, e in particolare dal TAEG, che si capisce quanto il prestito ci verrà a costare a conti fatti. Volendo quindi confrontare e scegliere la soluzione migliore per le nostre esigenze, sono questi i numeri che dobbiamo mettere a confronto.
COS’E’ IL TAN
Il TAN, Tasso Annuo Nominale, è una cifra percentuale che indica su base annua il tasso di interesse puro, ovvero la misura degli interessi dovuti. Tuttavia è calcolato senza tenere conto di una serie di voci che incidono sull’importo finale, quali i costi di istruttoria, apertura pratica e incasso delle rate, oneri fiscali e eventuali spese assicurative obbligatorie.
COS’E’ IL TAEG
A considerare tali somme è il TAEG, Tasso Annuo Effettivo Globale, che indica il costo complessivo del prestito. Il TAEG è l’indicatore che rende semplice e immediato confrontare la convenienza di due prestiti: il più vantaggioso sarà quello con il tasso effettivo inferiore.
Una particolare attenzione meritano i finanziamenti a tasso zero. Il TAN nullo non esclude la presenza di ulteriori costi: è utile ancora valutare sempre il TAEG, in quanto considerato come strumento di trasparenza nei contratti di credito.
Il consiglio della Banca d’Italia è di diffidare di soluzioni particolarmente facili, verificando sempre i tassi di interesse, le spese accessorie e le altre condizioni economiche previste dal contratto.
QUALE VARIABILE CONSIDERARE?
A conti fatti, ed è il caso di dirlo, il vero indicatore che deve essere preso in considerazione per valutare quale sia effettivamente il costo di un finanziamento e quale sia il prestito più conveniente tra le diverse offerte che ci vengono proposte è il tasso annuo effettivo globale ( TAEG )
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