{"id":14479,"date":"2018-10-19T08:27:22","date_gmt":"2018-10-19T06:27:22","guid":{"rendered":"https:\/\/www.immobilienbusiness.ch\/?p=14479"},"modified":"2018-10-19T08:27:22","modified_gmt":"2018-10-19T06:27:22","slug":"wohnen-eigentuemer-werden-immer-aelter","status":"publish","type":"post","link":"https:\/\/www.immobilienbusiness.ch\/it\/residential\/2018-10-19\/wohnen-eigentuemer-werden-immer-aelter\/","title":{"rendered":"Alloggi: I proprietari stanno invecchiando"},"content":{"rendered":"
\"\"
Secondo un nuovo studio del Credit Suisse, i proprietari di case in Svizzera stanno invecchiando (Immagine: arquiplay77 - depositphotos)<\/figcaption><\/figure>\n

I forti aumenti dei prezzi degli immobili e le condizioni normative pi\u00f9 rigide hanno portato i proprietari di case in Svizzera a diventare sempre pi\u00f9 vecchi. Secondo un'indagine di Credit Suisse (CS), il proprietario medio aveva ancora 54 anni nel 2000, mentre nel 2016 l'et\u00e0 media era gi\u00e0 di 58 anni. Quasi la met\u00e0 di tutti i pensionati (49,7%) vive ora in una propriet\u00e0, il che supera significativamente il tasso di propriet\u00e0 della casa di circa il 38% in tutte le fasce d'et\u00e0, continua lo studio.<\/p>\n

Nei prossimi anni, l'et\u00e0 media dei proprietari di case aumenter\u00e0 ancora di pi\u00f9, prevedono i ricercatori del CS. La generazione dei baby boomer, nata tra il 1946 e il 1964, rappresenta attualmente il 42% di tutti i proprietari di case in Svizzera.<\/p>\n

Dato che troppo pochi giovani stanno risalendo la piramide dell'et\u00e0, la quota degli over 65 nella popolazione dovrebbe aumentare dal 18,3 al 21,4 per cento nei prossimi dieci anni. Questo significa che la quota di persone anziane nel mercato degli alloggi, e specialmente nel mercato della propriet\u00e0 della casa, continuer\u00e0 a crescere.<\/p>\n

L'industria delle costruzioni si \u00e8 adattata agli anziani<\/h2>\n

L'industria dell'edilizia si \u00e8 adattata alla tendenza dell'invecchiamento della popolazione, dato che i nuovi edifici sono ora per lo pi\u00f9 costruiti per essere adatti all'et\u00e0. Il numero di forme ibride di alloggio, in cui gli appartamenti convenzionali sono combinati con case di riposo e di cura, \u00e8 anche in aumento.<\/p>\n

Quando si tratta di finanziare la propriet\u00e0 della casa, tuttavia, la situazione sembra diversa. Le attuali condizioni quadro per la concessione di mutui sono orientate verso i lavoratori, criticano i ricercatori di CS. Oltre ai requisiti minimi di equit\u00e0, ci\u00f2 si applica in particolare all'accessibilit\u00e0 figurativa, secondo la quale l'onere finanziario non pu\u00f2 superare un terzo del reddito lordo.<\/p>\n

Con il pensionamento, si perde una parte considerevole del reddito precedente: il reddito lordo dei 65-74enni \u00e8 del 38,5% inferiore a quello dei 55-64enni. Questo potrebbe diventare problematico se il proprietario vuole cambiare fornitore di mutui o se sta pianificando una ristrutturazione importante per la quale il mutuo deve essere aumentato. In considerazione dell'attuale contesto normativo e dei tassi d'interesse negativi, non ci si aspetta che le banche facciano degli aggiustamenti nei prestiti ipotecari. (ah)<\/em><\/p>","protected":false},"excerpt":{"rendered":"

Secondo un nuovo studio del Credit Suisse, i proprietari di case stanno invecchiando. Tuttavia, i criteri di concessione dei mutui sono principalmente orientati verso le persone che lavorano.<\/p>","protected":false},"author":3,"featured_media":7807,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"Eigent\u00fcmer","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"Laut einer neuen Studie der Credit Suisse werden Wohneigent\u00fcmer immer \u00e4lter. Die Kriterien der Hypothekenvergabe sind aber auf Berufst\u00e4tige ausgerichtet.","_yoast_wpseo_linkdex":75,"pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[986],"tags":[1146,1184,1740,1862],"class_list":["post-14479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-residential","tag-credit-suisse","tag-eigenheime","tag-studie","tag-wohnen"],"acf":[],"yoast_head":"\nWohnen: Eigent\u00fcmer werden immer \u00e4lter - IMMOBILIEN Business<\/title>\n<meta name=\"description\" content=\"Laut einer neuen Studie der Credit Suisse werden Wohneigent\u00fcmer immer \u00e4lter. 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