In 2023 Mortgage disbursements in Italy decreased
Source: Kìron Partner
2023
“Italian families, tells us the Credit Brokerage Company of the Tecnocasa Group, in 2023 have received financing for the purchase of a home for 10.822,1 million euro, compared to the same quarter of the previous year, there was a change in disbursements equal to -15,8%, for an equivalent value of -2.032,5 million euros".
2024
The good news is that in 2024 the average rates of new mortgages for home purchases continue to fall. In fact, it tells usHELP (Italian Banking Association) than in March 2024 he touched the 3,79% (it was to 4,42 in December 2023) and in June it is destined to fall further.
The fixed rate is currently preferable because it is lower than the variable rate.
Mortgages: what to do
However, buying a house with a mortgage remains an important family commitment.
Ecco allora il suggerimento “principe” per la scelta della tipologia di mutuo (scelta del tasso fisso o variabile, somma anticipo, etc..):
evaluate some fundamental elements relating to one's family situation, always related to the time horizon and that is to say the total duration of the loan that is to be requested,,it,In particular, it is necessary to take into account,,it,• the sustainability of the installment and its impact on the family budget,,it,monthly income,,it,reduced the financial commitment connected to the payment of the loan installment and any other financing,,it,must be in line with family economic needs,,it.
In particolare è necessario tenere in considerazione:
• the sustainability of the instalment and its impact on the family budget: il reddito mensile, decurtato dell’impegno finanziario connesso al pagamento della rata del mutuo e di eventuali altri finanziamenti, deve essere in linea con le esigenze economiche familiari;
• personal characteristics and, in particular, la possibilità di poter far fronte al rischio aumenti anche sensibili dei tassi e, accordingly, dell’importo delle rate;
• the financial structure of the family budget and possible evolutions/changes (tipologia di reddito, prospettive di crescita professionale/reddituale, etc..);
• future projects, che possono impattare sulle risorse economiche della famiglia (matrimonio, nascita di un figlio, etc..).
Indicazioni ancora più valide proprio per il rilevante impegno finanziario che si andrà ad affrontare e per il quale, in a big citythey serve on average 6,9 annual salary to repay the mortgage for the purchase of your own home .
Alex Gaetani