They go down again i interest rates on home loans. According to the monthly report published today by the ABI, in September the average return returned to the levels of last May, at 2,66%, the lowest figure in the last 5 years.
Of the total new mortgage disbursements, around two-thirds (64,9%) are fixed-rate mortgages. Furthermore, in the first eight months of 2015, home loans increased by 86,1% on an annual basis, but the incidence of subrogations on the total amounted to approximately 29%.
as to loan dynamics, the ABI points out that in September total disbursements to households and businesses amounted to 1.414 billion, marking an annual change close to zero (-0,2%) and recording the best result since April 2012.
Overall, total loans (which also include loans to the public administration) recorded an increase of 0,3% compared to a year earlier (+0,2% the previous month).
Based on a sample of 78 banks (representing around 80% of the market) loans to businesses only they scored in the first eight months of 2015 a about 15,9% increase compared to the January-August 2014 period.
as to collection, recorded a decrease of approximately 25,5 billion on the year last month, for a drop of 1,3% (it was -2% the previous month).
In detail, medium and long-term deposits, i.e. through bonds, fell by 13,8% in September, marking a decrease on an annual basis in absolute value of 51,8 billion euro, while deposits increased by 26,4, 3,3 billion compared to the previous year (+XNUMX% per annum).
