Market rates are falling following the rate cut by the ECB. On the other hand, government bond yields are also decreasing. The burden on financial investments remains that of the tax burden
Bank of Italy, what the quarterly economic bulletin says: the monetary tightening continues to impact the declining cost of credit, mortgages and loans to businesses. The increase in tourism prices slows the decline in inflation. Here are the GDP forecasts: +1,1%…
Home purchases without the use of mortgages grew by 5%. The corporate sector also saw clear growth (+73%). But banks, which prefer less risky assets, denied 300.000 families the requested mortgage. The files of…
The bank specializing in real estate loans and mortgages has announced a surprise capital increase of 228 million dollars, with the support of an Abu Dhabi sovereign wealth fund. Fitch had already shined a light on the real estate sector…
Complaints from customers of banks and financial companies to the Bank of Italy will increase in 2023, with a real boom in complaints related to the Superbonus. According to the Bank of Italy report, reports relating to scams are also growing...
The fixed rate is already discounting the next cuts, while the variable rate costs much more. Meanwhile there is a rush for subrogations: now they represent a third of the mortgages granted
In its latest report, the Autonomous Federation of Italian Banks takes stock of mortgages, certifying the drop in rates. Strong reduction for the fixed, but the variable is also starting to decline
New income meter, the taxman once again puts the spending capacity of taxpayers under the microscope to trace their income: from car expenses to house costs, from the cost of utilities to those for owning...
According to Bank of Italy, companies prefer to self-finance due to lower investments and high rates. Requests for family mortgages are also falling, while requests for consumer credit are growing
The Bankitalia survey suggests that while property prices have stabilized in the last quarter of 2023, the sales market is still weak due to difficulty in obtaining mortgages
China's generous discount on mortgages but the market is not convinced that it is enough to overcome the crisis of confidence in real estate. Btp-Bund spread at two-year low. Oil rises, gas is flat
Intesa Sanpaolo is thinking of a subrogation discount. Mortgages are also arriving for the real estate Scrooges
According to Bank of Italy, after 24 months of consecutive increases and after reaching the highest level of the last 15 years in November, last December mortgage rates for families fell to 4,82% against 4,92 in the month...
The market is buzzing with the first signs of a decline in mortgage rates. But experts are looking ahead: Italy is undervalued and must close the gap with its European colleagues. The Winter Olympic Games are approaching. It will all lead to a…
There is also an increasing demand for houses with a higher energy class, from E upwards. For those who need to take out a mortgage, rates are already showing a decline
In addition to the government's package of changes, those of the rapporteurs on the Budget law - The Bridge over the Strait also affecting Calabria and Sicily are added. The extension of the Superbonus remains out and the text is in strong...
The 40-year mortgage duration for young people reappears, banks compete by offering mortgages at lighter rates. But house prices are also recovering. Is this a good time to buy?
Mortgage renegotiations are on the increase among those who have an existing variable rate mortgage. This is how we are trying to cope with the rise in official rates, which the ECB has now put on hold
From 2024 you will return to paying registration, land registry and mortgage taxes and - if you buy from a builder - also VAT at 4%.
Already in September there was a clear recovery in mortgage requests, even before the announcement of the ECB's rate stop. It is still possible to use the Fund for the purchase of your first home by 31 December
After discussions with the Ministry of the Economy, the Banking Association issued a note to credit institutions to request measures to meet the subscribers, including the extension of the loan. Here's the news
According to the Crif Mortgage Barometer, in the first half of the year new mortgages disbursed recorded a drop of 21,6% and the average installment soared to 865 euros per month
The banks, through the voice of their association, summarize in a 5-point memorandum the possible strategies to get out of the grip of the floating rate
The increase in the installments of the variable rate mortgage push many to ask for the subrogation towards the fixed rate. But incomes have been eroded by rising rates and banks are increasingly selective
There are many calls for the extension of the variable mortgage to lighten the monthly installment. Bcc and savings banks are also ready. But is it really convenient for everyone? What are the pros and cons? Are there alternatives?
If on the one hand the governor of the Bank of Italy sees a satisfactory banking system, on the other he urges the banks to remunerate deposits and extend mortgages, while he shines a light on the first difficulties in repaying loans
During the annual meeting of the banking association, the president of the ABI says that the institutions are willing to extend the duration of the mortgages for those who are up-to-date with payments or make subrogations, but the EBA rules must be updated
Has the mortgage route really become impracticable for anyone wishing to buy a new home? Depends. Scanning the market, you can find interesting mortgage offers
The operation will make it possible to free up resources amounting to 2023 million between 2024 and 320, which will be made available to the territories
The real estate market is falling from the peaks of recent months to more balanced and all in all more sustainable levels. But now real estate investing, burdened with many "hidden" costs, has a competitor: fixed income.
The new rate hike decided by the ECB, in the order of 0,25%, will have important impacts on the pockets of Italians. Here are the main consequences according to Fabi's latest analysis
The initiative that allows for the remodeling of the repayment profile of 130.000 loans, for a residual debt of 24 billion, is underway. Application process entirely digital
For those under the age of 36, the preliminary investigation costs are halved and the monthly mortgage payment is 508 euros
With the new monetary tightening, the installment for a 20-year mortgage grows by 4,6% with an impact on the average income of a family growing to 30%
The vote on the amendments to the Milleproroghe decree has started in the Senate Commissions. Waiting for the government's decisions on bathing, health and education
The interest rate race will continue in 2023 too, according to experts, by June the 3-month Euribor will still grow by almost one and a half points
While mortgage rates immediately increased, adapting to the ECB's tightening, the banks that remunerate current accounts can be counted on the fingers of one hand, as they did before 2008
The Government presented the definitive amendments to the 2023 Maneuver - From POS to mortgages, from RDC to pensions, here is the latest news on the Maneuver
According to the analysis by the Gabetti Group, in the first half of 2022 would-be borrowers aimed to obtain an average of 159.790 euros, basically in line with 2022
OAM (the agents and brokers body) will be able to exercise the control and sanctioning powers of the body towards the European credit intermediaries operating in Italy in the real estate mortgage sector.
Expensive energy is easing but the increase in ECB rates explodes the expensive home loan
The main rate rises to 2%, the highest level since 2009. The conditions on Tltro loans have been changed. Lagarde: "In December we will discuss the App programme". Stock Exchanges improve
The increase in interest rates by the ECB has made mortgages more expensive: fixed, variable, capped or constant rate. Here's how housing finance is changing
The institute in Piazza Gae Aulenti makes available new loans for businesses for 5 billion and another 3 billion are modulated in various actions. The program aims to be a support against the negative effects on income and savings of…
Demand for homes is holding, prices are "stable" but mortgages are more expensive and difficult to obtain: two analyzes by Bank of Italy explain what is happening
The historic increase in interest rates established by the ECB will have direct effects on mortgage payments
Stock markets anxiously await US inflation data for 14pm today but Fed warns rates will soon rise another half point - Stock markets seen on the rise
The increase in prices will weigh on loans to individuals and on the demand for mortgages, with a possible general reduction in consumption and investment capacity. This is what emerges from the EY
The golden phase of interest rates is over - War and inflation also affect home loans: fixed rate soars, variable rate loans are more expensive with the ECB effect
According to a survey by Intesa Sanpaolo, in December new mortgages for the purchase of homes marked a change of 4,7% on an annual basis, the highest since November 2011
The reduction compared to the 2015 peak is as much as 81,3% - The growth trend of loans to businesses and households confirmed - Mortgage rates down
The former Banca di Cividale records a sharp increase in loans to households and businesses in the first half of 2021. This is the best result in the last three years. Driving the growth are home loans and loans for Ecobonus
The bank led by Stefano Barrese renews its offer dedicated to young people for home purchases: it is valid until 30 June 2022
The draft provision provides for the cancellation of registration, mortgage and cadastral taxes, but not only - With the strengthening of the Guarantee Fund, it will no longer even be necessary to pay the advance
A "Green Factor" that can always be activated will be applied to each mortgage, which will allow you to save 10 basis points on the contractual rate
According to a survey on bank lending conducted by Bank of Italy, banks have tightened the supply policies applied to household mortgages, parallel requests are increasing - More convenient terms and conditions for business loans
Unicredit has decided on a package of support measures for populations affected by bad weather. Here are which ones
Banco BPM has approved a loan of 25 million to be allocated to the sports sector for the next 5 years - With the aim of supporting all sports associations in the post-Covid restart phase
Cassa Depositi e Prestiti confirms its commitment to local authorities - This is the largest mortgage renegotiation in recent years which will free up resources to deal with the health emergency
The bank's new loan offer also includes the credit advance provided for by the Ecobonus (up to 110%) to carry out energy efficiency adjustments in buildings.
The circular has been published on the operating procedures for requesting the renegotiation of mortgages - The plan will involve 7.200 local authorities for a total of 135 mortgages - The operation will free up resources for 1,4 billion
The provision will be launched within the weekend, in time before the tax deadlines of Monday 16 March: VAT will be postponed. And so are the regional elections and the referendum - Here are all the new arrivals.
This was revealed by the Bank of Italy in its latest monthly bulletin, specifying that the average on the market has reached 1,78%, from 1,76% in December
The Bank has sold a portfolio of bad loans worth 4,1 billion gross - This is the largest residential NPL securitization project in Europe
The mortgages, mainly intended for the purchase of first homes, were disbursed to Italian customers and guaranteed by residential properties located in Italy.
Since the beginning of the year, the sum disbursed by the cooperative banking system to Italian small and medium-sized enterprises has exceeded 18 billion and that allocated to new household mortgages has exceeded 10 billion
Among the 1.800 workers who remained at home, some are customers of the bank in Piazza Gae Aulenti: if interested, they will have to present the suspension application at their branch.
It will be a company active in the consumer credit market - It will deal with mortgages exceeding 80% of the value of the property, salary-backed loans and loans - Lorenzo Montanari CEO and CEO
The Apulian institute has proposed a series of extraordinary measures aimed at "winning back" its shareholders who have long been struggling with the difficulty of selling their shares
According to MutuiOnline.it surveys, 90% of those who take out a new mortgage or make a subrogation choose the fixed rate, while until a few years ago the variable rate was the winner - Here are the causes of the resurrection of the fixed rate
According to the ABI, in November the average rate rose for the second consecutive month, but the trend "doesn't give cause for concern" - In bank balance sheets, net non-performing loans fall below 40 billion (-57% from the 2015 peak), but the loans…
Mutuo Remix is the name of the new product launched by Fineco which allows you to opt for a flexible mortgage and then stabilize it, without additional costs, gradually into a fixed-rate mortgage by operating directly online
The Institute for Agricultural Food Market Services is auctioning off 7 hectares of land - Access to thirty-year mortgages for under 41s to purchase land
The new ABI report estimates net non-performing loans in July at 40,1 billion, a sharp decrease on the previous month and on 2015, the year in which they reached their maximum level at 88,8 billion. Growing mortgage market…
Within two years, a plan for the granting of credits in favor of the building stock. Italian banks together with those of other countries to also define a standard protocol on the granting of benefits.
The new ABI report updated to 31 May confirms the growth trend of loans to households given the ever lower costs. On the other hand, the rates on new forms of business financing are rising. The decline in net non-performing loans continues…
The end of the ECB's ultra-expansive monetary policy will cause the installments of variable-rate mortgages to increase and the cost of new fixed-rate loans - The situation is more complicated on the savings side, with shares and…
REVENUE AGENCY OBSERVATORY - ABI - It is estimated that in 2017 89,6 billion euros were spent on house purchases in Italy, 500 million more than in 2016 - Prices have fallen by 0,4% - Mortgages…
The rate on loans to households for home mortgages settled at 1,9% in March (1,91% the previous month and 5,72% at the end of 2007). Of the total new mortgages, the Italian Banking Association notes, almost two thirds are…
According to the ABI report, net non-performing loans fell by 27,5 billion in 13 months - The average rate on mortgages fell to 1,89%, against 1,92% in January, and 5,72 % at the end of 2007. Two-thirds of new mortgages,…
A guide from the Revenue Agency clarifies that the restructuring bonus can be combined with the deduction of interest expense paid on the mortgage taken out to renovate a house - This is how the double tax advantage works.
A response to the need of Italian families to buy or renovate a house.
An exclusive commercial agreement with which the affiliated real estate agencies will be able to provide credit services and mortgage products through the financial brokerage company's network of collaborators.
Better the fixed rate or the variable? According to data from the MutuiOnline Observatory, Italians have no doubts - Loans for first homes are increasing, subrogations are decreasing.
Loans, deposits and mortgages from cooperative banks also grew in August, while new loans for small and medium-sized enterprises exceeded 19 billion
According to data published by the banking association and updated to 30 September, loans to customers exceed funding by 44 billion - Loans to households and businesses are up, for the seventh consecutive month, by over 1% -…
ING International Survey “Case & Mortgages” - The love for the home understood as a safe haven seems to be waning: Italians have finally acquired the awareness that the price of houses can also fall.
In the second quarter, according to the provisional data processed by mutuionline.it, mortgages disbursed for the purchase of a first home increased, with an overwhelming preference for the fixed rate and an amount class mainly between 50.000 and 100.000 euros…
FROM THE ENORTH WEST BLOG - According to Bank of Italy surveys, Valle d'Aosta is surprisingly the region with the highest percentage of indebted households (37,6% against 35,2% in 2010) - The Italian average share of indebted households is by 23,5%
Monitor of the Intesa Sanpaolo mortgage market - The recent evolution of interest rates may help explain the decline in renegotiations and the slowdown in the growth of fixed-rate disbursements - In the 2nd quarter, the average rate of new…
The Scottish bank has reached an agreement with the Federal Housing Finance Agency, the American agency that supervises the mortgage giants Fannie Mae and Freddie Mac, which ended up under government control during the financial crisis. Rbs was accused of…
From www.salvadenaro.com - How much does it cost to buy a house? There is not only the purchase price, but many other cost items must also be taken into account, from the notary to the connections. Here is everything you need to take into consideration to avoid unpleasant surprises.
Banca Popolare di Bari has signed an agreement with the Committee of Consumer Associations to support small shareholders in temporary difficulty (economic or health) through the establishment of a one million euro fund to be paid…
Not just interest rates: a handbook of Mutui.it and Facile.it takes stock of all the other expenses associated with opening a mortgage for the purchase of a house
(Teleborsa) – Unicredit has concluded an agreement with a Hungarian financial company for the sale without recourse of a portfolio of residential mortgages. The operation was financed by investment funds managed by Balbec Capital LP and APS Holding. The wallet…
FOCUS BNL - Between 2010 and 2014 the average wealth of Italian families fell by 22% (-10% in Europe) but with strong differences: from -23% for the weakest families to -9% for the wealthiest ones - …
According to the survey conducted by Pwc, Professione Finanza and MutuiOnline, for investment in real estate assets only a low percentage of customers turn to their financial advisor - 50% of customers have a real estate investment in their portfolio, but this…
Mortgage rates are still very low, but Intesa has already raised the cost of its loans and it is probable that other banks will do the same by the end of the year - Anedda (MutuiOnline): "The overall change over the year should not go beyond…
In December, an average rate of 2,5% was paid to take out a home loan.
FinecoBank returns to the mortgage market in order to complete its range of services - The new line of credit with revolving pledge will allow customers to modify the instruments granted as collateral, while personal loans can be approved and…
