{"id":4617,"date":"2009-01-03T11:26:48","date_gmt":"2009-01-03T11:26:48","guid":{"rendered":"https:\/\/archivioturi.lavocedelpaese.info\/index.php\/2009\/01\/03\/swap-oggi-paghiamo-molto-meno-di-ieri-quando-il-tasso-era-al-57\/"},"modified":"2009-01-03T11:26:48","modified_gmt":"2009-01-03T11:26:48","slug":"swap-oggi-paghiamo-molto-meno-di-ieri-quando-il-tasso-era-al-57","status":"publish","type":"post","link":"https:\/\/archivioturi.lavocedelpaese.info\/index.php\/2009\/01\/03\/swap-oggi-paghiamo-molto-meno-di-ieri-quando-il-tasso-era-al-57\/","title":{"rendered":"SWAP: OGGI PAGHIAMO MOLTO MENO DI IERI, QUANDO IL TASSO ERA AL 5,7%"},"content":{"rendered":"<div style=\"text-align: center\">\n<img loading=\"lazy\" decoding=\"async\" src=\"images\/stories\/archiviofoto\/debra_rutsche.jpg\" alt=\"debra_rutsche.jpg\" title=\"debra_rutsche.jpg\" style=\"margin: 5px; width: 320px; height: 196px\" width=\"320\" height=\"196\" \/>\n<\/div>\n<p>\n&nbsp;\n<\/p>\n<p>\n<meta 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0;}\n@font-face\n{font-family:Verdana;\npanose-1:2 11 6 4 3 5 4 4 2 4;\nmso-font-charset:0;\nmso-generic-font-family:swiss;\nmso-font-pitch:variable;\nmso-font-signature:536871559 0 0 0 415 0;}\n\/* Style Definitions *\/\np.MsoNormal, li.MsoNormal, div.MsoNormal\n{mso-style-unhide:no;\nmso-style-qformat:yes;\nmso-style-parent:\"\";\nmargin:0cm;\nmargin-bottom:.0001pt;\nmso-pagination:widow-orphan;\nfont-size:12.0pt;\nfont-family:\"Times New Roman\",\"serif\";\nmso-fareast-font-family:\"Times New Roman\";}\n.MsoChpDefault\n{mso-style-type:export-only;\nmso-default-props:yes;\nfont-size:10.0pt;\nmso-ansi-font-size:10.0pt;\nmso-bidi-font-size:10.0pt;}\n@page Section1\n{size:595.3pt 841.9pt;\nmargin:70.85pt 2.0cm 2.0cm 2.0cm;\nmso-header-margin:35.4pt;\nmso-footer-margin:35.4pt;\nmso-paper-source:0;}\ndiv.Section1\n{page:Section1;}\n-->\n<\/style>\n<p><!--[if gte mso 10]>\n\n\n<style>\n\/* Style Definitions *\/\ntable.MsoNormalTable\n{mso-style-name:\"Tabella normale\";\nmso-tstyle-rowband-size:0;\nmso-tstyle-colband-size:0;\nmso-style-noshow:yes;\nmso-style-priority:99;\nmso-style-qformat:yes;\nmso-style-parent:\"\";\nmso-padding-alt:0cm 5.4pt 0cm 5.4pt;\nmso-para-margin:0cm;\nmso-para-margin-bottom:.0001pt;\nmso-pagination:widow-orphan;\nfont-size:11.0pt;\nfont-family:\"Calibri\",\"sans-serif\";\nmso-ascii-font-family:Calibri;\nmso-ascii-theme-font:minor-latin;\nmso-fareast-font-family:\"Times New Roman\";\nmso-fareast-theme-font:minor-fareast;\nmso-hansi-font-family:Calibri;\nmso-hansi-theme-font:minor-latin;\nmso-bidi-font-family:\"Times New Roman\";\nmso-bidi-theme-font:minor-bidi;}\n<\/style>\n\n\n<![endif]-->\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">La questione del debito che il Comune di Turi ha contratto con i<br \/>\ncosiddetti &ldquo;swap&rdquo;, ossia la finanza derivata, &egrave; complessa. L&rsquo;Assessore al<br \/>\nbilancio nella precedente Giunta De Grisantis, Menico Coladonato, ha fornito<br \/>\nuna spiegazione quanto mai dettagliata sulle modalit&agrave; che indussero<br \/>\nquell&rsquo;Amministrazione a compiere un passo cos&igrave; azzardato. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\"><o:p>&nbsp;<\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">Azzardo che, peraltro, &egrave; stato compiuto da Comuni come Napoli e<br \/>\nMilano. Tutti hanno creduto che si potessero rinegoziare i mutui e pagare<br \/>\nminori interessi. Non &egrave; stato cos&igrave;. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\"><o:p>&nbsp;<\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">I tassi sono d&rsquo;improvviso aumentati. La recessione mondiale ha<br \/>\nfatto il resto. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\"><o:p>&nbsp;<\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">&ldquo;Nonostante quanto accaduto, e che continuer&agrave; ad esplodere, noi<br \/>\nnon siamo andati oltre quel 6%. Il tasso EURIBOR ha toccato, come punta<br \/>\nmassima, il 5,3%&rdquo;. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\"><o:p>&nbsp;<\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">Un tasso pur sempre inferiore al tasso medio che pagava il<br \/>\ncomune di Turi, rispetto ai mutui che sono stati, poi, rinegoziati. Coladonato<br \/>\nci dice che, addirittura, oggi il problema &egrave; di assai minore rilevanza, visto<br \/>\nche il tasso &egrave; sceso al 4,2%. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\"><o:p>&nbsp;<\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">&ldquo;Che &egrave; ovviamente molto meno di quanto pagavamo noi, quando il<br \/>\ntasso medio degli interessi era al 5,7%&rdquo;. Una riflessione, a questo punto,<br \/>\ntuttavia, si impone. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\"><o:p>&nbsp;<\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">E&rsquo; vero. Il tasso &egrave; sceso. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\"><o:p>&nbsp;<\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">Tuttavia, &egrave; un valore, in ogni caso, superiore a quello<br \/>\npreventivato e, soprattutto, contrattato con la banca dal Comune. Questo<br \/>\nimplica che un Comune, quando redige un bilancio di previsione ad inizio anno,<br \/>\nprevede quali saranno le spese per interessi sui mutui contratti. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\"><o:p>&nbsp;<\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">Se le previsioni sono di un tasso sufficientemente costante,<br \/>\nun&rsquo;Amministrazione si rende conto di potere risparmiare rispetto a ci&ograve; che,<br \/>\ncomunque, versava in precedenza. Quel risparmio potrebbe essere reinvestito,<br \/>\nche so, in spesa corrente, ossia per un migliore funzionamento della macchina<br \/>\namministrativa o in fiere e sagre, tanto per citare qualche esempio banale. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\"><o:p>&nbsp;<\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">Quella Giunta non ha fatto i conti, per&ograve;, con la possibilit&agrave; che<br \/>\nquel tasso possa schizzare d&rsquo;improvviso verso l&rsquo;alto. A quel punto, le previsioni<br \/>\ndi un risparmio vengono meno. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\"><o:p>&nbsp;<\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">Ci si trova di fronte ad un improvviso debito fuori di quel<br \/>\nbilancio di previsione. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">Ossia, si sfora comunque sui conti. &ldquo;Assolutamente no&rdquo; &ndash; replica<br \/>\ndeciso Coladonato &ndash; &ldquo;Nel bilancio di previsione si opera una stima. In genere,<br \/>\nla si approva a fine anno. Poi, magari, viene approvata nel corso dei primi<br \/>\nmesi dell&rsquo;anno successivo. In corso d&rsquo;anno, si pu&ograve; sempre rettificare&rdquo;. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\"><o:p>&nbsp;<\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">Quindi, se un&rsquo;Amministrazione, ad esempio, stima che il costo<br \/>\ndella bolletta elettrica per tutti gli immobili comunali raggiunge, mese dopo<br \/>\nmese, un certo valore. Ha un determinato andamento. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\"><o:p>&nbsp;<\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">Nessuno pu&ograve; prevedere quale andamento potr&agrave; assumere la curva<br \/>\ndel prezzo del petrolio. &ldquo;In corso d&rsquo;anno, c&rsquo;&egrave; la manovra di riequilibrio di<br \/>\nbilancio ovvero di assestamento o, ancora, con delle variazioni urgenti di<br \/>\nbilancio si opera un adeguamento. Ma non si tratta di un debito fuori<br \/>\nbilancio&rdquo;. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\"><o:p>&nbsp;<\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">E se il prezzo di un barile di greggio dovesse scendere da <st1:metricconverter productid=\"140 a\" w:st=\"on\">140 a<\/st1:metricconverter> 50 dollari? In tal<br \/>\ncaso, le stime cautelative, prudenziali effettuate in relazione ai costi di<br \/>\ngestione delle utenze possono anche subire in corso d&rsquo;anno delle variazioni al<br \/>\nribasso. Questo &egrave; presumibile sia accaduto un po&rsquo; a tutti i Comuni, Turi<br \/>\ncompreso. <o:p><\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\"><o:p>&nbsp;<\/o:p><\/span>\n<\/p>\n<p class=\"MsoNormal\">\n<span style=\"font-size: 10pt; font-family: 'Verdana','sans-serif'; color: #333333\">In sede di riequilibrio o nel corso della manovra di<br \/>\nassestamento di bilancio, ci conferma ancora Coladonato, l&rsquo;Assessore al<br \/>\nbilancio, con il Responsabile di Ragioneria, provveder&agrave; a destinare in maniera<br \/>\ndiversa le somme che cautelativamente erano state poste a disposizione per<br \/>\ncoprire una determinata spesa. Risorse che serviranno a coprire altre spese. Un<br \/>\ncontratto di swap prevede, inoltre, una polizza assicurativa. E questa presenta<br \/>\nalcune clausole. Vedremo cosa ci dir&agrave; nel merito l&rsquo;ex Assessore.<o:p><\/o:p><\/span>\n<\/p>\n<p>&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<div style=\"text-align: center\">\n<img loading=\"lazy\" decoding=\"async\" src=\"images\/stories\/archiviofoto\/debra_rutsche.jpg\" alt=\"debra_rutsche.jpg\" title=\"debra_rutsche.jpg\" style=\"margin: 5px; width: 320px; height: 196px\" width=\"320\" height=\"196\" \/>\n<\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","footnotes":""},"categories":[4],"tags":[],"class_list":["post-4617","post","type-post","status-publish","format-standard","hentry","category-politica"],"_links":{"self":[{"href":"https:\/\/archivioturi.lavocedelpaese.info\/index.php\/wp-json\/wp\/v2\/posts\/4617","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/archivioturi.lavocedelpaese.info\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/archivioturi.lavocedelpaese.info\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/archivioturi.lavocedelpaese.info\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/archivioturi.lavocedelpaese.info\/index.php\/wp-json\/wp\/v2\/comments?post=4617"}],"version-history":[{"count":0,"href":"https:\/\/archivioturi.lavocedelpaese.info\/index.php\/wp-json\/wp\/v2\/posts\/4617\/revisions"}],"wp:attachment":[{"href":"https:\/\/archivioturi.lavocedelpaese.info\/index.php\/wp-json\/wp\/v2\/media?parent=4617"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/archivioturi.lavocedelpaese.info\/index.php\/wp-json\/wp\/v2\/categories?post=4617"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/archivioturi.lavocedelpaese.info\/index.php\/wp-json\/wp\/v2\/tags?post=4617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}