By: GZ on Venerdì 06 Luglio 2007 13:02
Tutto si regge (nei mercati finanziari, ma anche in politica) sul fatto a differenza di 15 anni fa non c'è inflazione e c'è crescita
Ma nell'indice del costo della vita non risulta se una famiglia con un mutuo di 114.000 sterline ha un aumento di 100 sterline al mese ora, ad esempio in inghilterra quando a settembre quelli con il tasso fisso a due anni se lo vedono resettato in su di un 1/3 perchè il mutuo lo hanno fatto con tassi al 4.6% ed ora sono vicini al 7%. Per una famiglia media 100 sterline in più al mese da pagare è un aumento del costo della vita di almeno il 5%, che non viene rilevato nelle solite statistiche
Nell'ultimo anni i tassi inglesi sono saliti di un 1.25%, cosa che succedeva anche una volta, tutti ricordano quando negli anni '80 o anche inizio anni '90 i tassi erano più alti. Solo che allora non avevi 2mila miliardi di debito delle famiglie quasi tutti fatti a causa dell'inflazione degli immobili. La chiamano la "Bomba a Orologeria dei Mutui", ora ci sono inchieste in parlamento.
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....Families on two-year fixed deals have been shielded from rate increases, but ^face a 30 per cent rise in their costs when they fix them again this autumn#http://www.telegraph.co.uk/news/main.jhtml;jsessionid=PLKRLJJRRARVFQFIQMGSFFOAVCBQWIV0?xml=/news/2007/07/06/nrates106.xml^ at much higher rates.
Someone who took out a £114,000 mortgage in September 2005, when the average fixed rate deal hit a low of 4.6 per cent, could face an extra bill of £100 a month said the CML.
This mortgage "time bomb" will force the Bank to pause for the next few months, until it becomes clear how serious the problem is, though most fear the relentless rise in rates has yet to finish.
The squeeze is expected to leave thousands more facing the prospect of insolvency or losing their homes. With tens of thousands of families already having to pay for repairs after the flood damage across the country, the impact is likely to be even worse than expected.
The interest rise came as the Tories began an investigation into the poverty and social breakdown that has caused average British debt to soar to £54,452 - twice the level in Continental Europe. Total personal debt has reached a record £1.38 trillion.
A social justice policy group headed by Iain Duncan Smith, the former Tory leader, published plans to freeze out loan sharks and expand credit unions offering cheaper loans to low income families.
With the economy expected to slow next year, commentators predicted that the growing debt crisis was likely to be one of the key issues at the next election.
The rising costs come at the toughest time for household finances in decades, as rising tax and household bills eat into families' wages. The resulting squeeze on disposable incomes is the biggest since 1982, according to recent figures from the Office for National Statistics, with take-home pay rising by only 1.1 per cent in 2006.
Faced with rising costs, families are having to dig into their savings