The benchmark interest rate in Italy was last recorded at 4.50 percent. This dataset provides - Italy Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Mortgage interest rates in Italy decreased substantially between 2013 and 2021 before rising in the following years. As of the first quarter of 2025, the mortgage interest rates amounted to **** percent — lower than the rate in the same period in the previous year. A slowly recovering market Despite not reaching the pre-crisis levels, an increase in the number of transactions in the residential real estate market as well as the volume of mortgages stipulated for house purchase indicate a positive trend for the sector in Italy. Homeownership in Italy reached **** percent in 2021, one of the highest rates in Western Europe. Low interest rates, especially when compared to other European countries, and decreasing house prices led to a renewed interest in the real estate market in Italy. Milan, an attractive destination for investments In recent years, more than in the past, thanks to its role as a capital of business and finance as well as an innovation hub, Milan was able to attract human capital and investments, both domestic and foreign. This ability to grow and innovate was also reflected in the real estate market, which was the most dynamic in the country. Transactions in residential real estate in Milan increased steadily since 2012, except for 2020, and so did prices: some areas of the city are among the most expensive in the country to buy a property.

Mortgage credit interest rate, percent in Italy, September, 2025 The most recent value is 2.68 percent as of September 2025, an increase compared to the previous value of 2.67 percent. Historically, the average for Italy from January 1995 to September 2025 is 4.6 percent. The minimum of 1.59 percent was recorded in December 2021, while the maximum of 12.52 percent was reached in October 1995. | TheGlobalEconomy.com

Actual value and historical data chart for Italy Real Interest Rate Percent

Key information about Italy Policy Rate

• Italy cash rate (Policy Rate: Month End: Main Refinancing Operations) was set at 2.15 % pa in Nov 2025, compared with 2.15 % pa in the previous Oct 2025.
• Italy Policy Rate averaged 0.00 % pa and is updated monthly, available from Jan 1999 to Nov 2025.

• In the latest reports, Italy Short Term Interest Rate: Month End: EURIBOR: 3 Months was reported at -0.57 % pa in Nov 2021.
• Its Long Term Interest Rate (Long Term Interest Rate: Month Avg: Italy: ECB Harmonised ) was reported at 3.44 % pa in Oct 2025.
• Italy Exchange Rate against USD averaged 0.86 (USD/EUR) in Oct 2025.
• Its Real Effective Exchange Rate was 93.99 in Oct 2025.

The mortgage interest rate for mortgages with initial fixed period rates up to one year in Italy decreased overall between 2011 and 2021, followed by a spike in 2022. In the first quarter of 2025, the rate stood at **** percent, down from **** percent in the fourth quarter of 2023, when rates peaked. In the same period, the gross residential mortgage lending in Italy fluctuated.

Actual value and historical data chart for Italy Lending Interest Rate Percent

The interest rate on loans to non-financial corporations in Italy fell slightly in the second half of 2024 and beginning of 2025. By July 2025, business loans in the south European country had on average an interest rate of *****percent. The interest rate amounted to **** percent, its lowest point, in December 2021.

Business credit interest rate, percent in Italy, September, 2025 The most recent value is 3.89 percent as of September 2025, no change compared to the previous value of 3.89 percent. Historically, the average for Italy from January 1995 to September 2025 is 4.88 percent. The minimum of 1.62 percent was recorded in December 2021, while the maximum of 13.14 percent was reached in October 1995. | TheGlobalEconomy.com

Long-term interest rate in Italy, September, 2025 The most recent value is 3.56 percent as of September 2025, an increase compared to the previous value of 3.54 percent. Historically, the average for Italy from March 1991 to September 2025 is 5.13 percent. The minimum of 0.58 percent was recorded in December 2020, while the maximum of 14.42 percent was reached in October 1992. | TheGlobalEconomy.com

Bank deposit interest rate, percent in Italy, September, 2025 The most recent value is 2.26 percent as of September 2025, an increase compared to the previous value of 2.09 percent. Historically, the average for Italy from March 2003 to September 2025 is 1.73 percent. The minimum of 0.39 percent was recorded in June 2022, while the maximum of 3.81 percent was reached in December 2023. | TheGlobalEconomy.com

Graph and download economic data for Interest Rates: 3-Month or 90-Day Rates and Yields: Interbank Rates: Total for Italy (IR3TIB01ITM156N) from Oct 1978 to Sep 2025 about interbank, Italy, 3-month, yield, interest rate, interest, and rate.

Bank Lending Rate in Italy increased to 3.94 percent in September from 3.88 percent in August of 2025. This dataset provides - Italy Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Mortgage interest rates worldwide varied greatly in June 2025, from less than ******percent in many European countries to as high as ***percent in Turkey. The average mortgage rate in a country depends on the central bank's base lending rate and macroeconomic indicators such as inflation and forecast economic growth. Since 2022, inflationary pressures have led to rapid increases in mortgage interest rates. Which are the leading mortgage markets? An easy way to estimate the importance of the mortgage sector in each country is by comparing household debt depth, or the ratio of the debt held by households compared to the county's GDP. In 2024, Switzerland, Australia, and Canada had some of the highest household debt to GDP ratios worldwide. While this indicator shows the size of the sector relative to the country’s economy, the value of mortgages outstanding allows to compare the market size in different countries. In Europe, for instance, the United Kingdom, Germany, and France were the largest mortgage markets by outstanding mortgage lending. Mortgage lending trends in the U.S. In the United States, new mortgage lending soared in 2021. This was largely due to the growth of new refinance loans that allow homeowners to renegotiate their mortgage terms and replace their existing loan with a more favorable one. Following the rise in interest rates, the mortgage market cooled, and refinance loans declined.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Call Money/Interbank Rate: Total for Italy (IRSTCI01ITQ156N) from Q1 1999 to Q3 2025 about interbank, Italy, overnight, interest rate, interest, and rate.

Key information about Italy Bank Lending Rate

• Italy Bank Lending Rate was reported at 3.383 % pa in Sep 2025.
• This records a decrease from the previous number of 3.388 % pa for Aug 2025.
• Italy Bank Lending Rate data is updated monthly, averaging 1.977 % pa from Jan 1995 to Sep 2025, with 369 observations.
• The data reached an all-time high of 11.264 % pa in Aug 1995 and a record low of 1.049 % pa in Jul 2021.
• Italy Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Monthly.

This dataset provides values for INTEREST RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

The Italian mortgage market has grown substantially since 2010, with the value of mortgages outstanding reaching around *** billion euros in the first quarter of 2025. In the period between 2020 and 2022, growth was stronger, fueled by low-interest rates. As the lending environment tightened, the market plateaued. Mortgage interest rates in Italy The mortgage interest rates in Italy decreased significantly, falling to record lows, before rising dramatically in 2022. The period of decline in mortgage interest rates probably helped revive the residential real estate market in the country, which suffered after the financial crisis of 2008. In fact, the number of transactions in the sector increased steadily since 2013. A regional overview In some areas of the country, the residential real estate market appears to be more dynamic than in others. In fact, in 2022, the North-West of Italy accounted for more than one third of all transactions in the sector. When looking closely at the single regions, Lombardy was the most active, with more than ******* transactions registered. The second most prolific market was found in the region of Lazio, which recorded approximately ** thousand transactions.

Graph and download economic data for Interest Rates: Long-Term Government Bond Yields: 10-Year: Main (Including Benchmark) for Italy (IRLTLT01ITM156N) from Mar 1991 to Oct 2025 about Italy, long-term, 10-year, bonds, yield, government, interest rate, interest, and rate.

Inflation Rate in Italy remained unchanged at 1.20 percent in November. This dataset provides the latest reported value for - Italy Inflation Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.