The average value of mortgage loans in Italy has increased since 2017. In 2024, the average value of residential mortgage loans requested was ******* euros, up from ******* in December 2017.

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.

IT: Lending Rate: Households: House Purchase: New Business data was reported at 2.012 % pa in 2017. This records a decrease from the previous number of 2.284 % pa for 2016. IT: Lending Rate: Households: House Purchase: New Business data is updated yearly, averaging 4.412 % pa from Dec 2003 (Median) to 2017, with 15 observations. The data reached an all-time high of 5.627 % pa in 2008 and a record low of 2.012 % pa in 2017. IT: Lending Rate: Households: House Purchase: New Business data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Italy – Table IT.IMF.IFS: Lending, Saving and Deposit Rates: Annual.

Italy IT: Real Interest Rate data was reported at 2.357 % pa in 2017. This records a decrease from the previous number of 2.625 % pa for 2016. Italy IT: Real Interest Rate data is updated yearly, averaging 3.878 % pa from Dec 1990 (Median) to 2017, with 28 observations. The data reached an all-time high of 11.647 % pa in 1992 and a record low of 2.357 % pa in 2017. Italy IT: Real Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Italy – Table IT.World Bank.WDI: Interest Rates. Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files using World Bank data on the GDP deflator.; ;

Italy IT: Lending Rate: Households: Stocks: Up to 1 Year data was reported at 4.487 % pa in 2017. This records a decrease from the previous number of 5.182 % pa for 2016. Italy IT: Lending Rate: Households: Stocks: Up to 1 Year data is updated yearly, averaging 7.007 % pa from Dec 2003 (Median) to 2017, with 15 observations. The data reached an all-time high of 8.661 % pa in 2008 and a record low of 4.487 % pa in 2017. Italy IT: Lending Rate: Households: Stocks: Up to 1 Year data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Italy – Table IT.IMF.IFS: Lending, Saving and Deposit Rates: Annual.

In 2023, Italians paid a lower percentage of their monthly income towards mortgage payment compared to the year before. On average, mortgage installments amounted to **** percent of the monthly household income in 2023, down from **** percent the previous year.

IT: Lending Rate: Households: New Business: Floating and Up to 1 Year data was reported at 3.895 % pa in 2017. This records a decrease from the previous number of 4.771 % pa for 2016. IT: Lending Rate: Households: New Business: Floating and Up to 1 Year data is updated yearly, averaging 7.493 % pa from Dec 2003 (Median) to 2017, with 15 observations. The data reached an all-time high of 10.848 % pa in 2008 and a record low of 3.895 % pa in 2017. IT: Lending Rate: Households: New Business: Floating and Up to 1 Year data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Italy – Table IT.IMF.IFS: Lending, Saving and Deposit Rates: Annual.

In a survey on financial knowledge and education conducted in 2017, 79 percent of Italians answered that they would find it interesting being able to improve their knowledge about saving, investments, banking and payment protection. Moreover, 42 percent said they would be interested in knowing more about mortgage and personal loans. Finally, only three percent of the respondents declared that they were not interested in improving their financial knowledge.

Financial knowledge needs improving

The results of the survey also revealed that Italians seemed to be lacking an acceptable level of general financial knowledge. In fact, 53 percent of the respondents admitted that they were not very well informed when talking about banking and financial products, while only seven percent of the people interviewed said they were very well informed on the topics. Moreover, among those aware of their lack of financial knowledge, 55 percent said that they would like to know more about the topic but wouldn’t be willing to pay to learn more.

Latest financial products are even more obscure

Due to innovation and technological development, new products and players have entered the banking and financial sector. When talking about the latest developments in the sector, Italians seem to be even more unaware. For example, another survey showed that 66 percent of Italians seemed to have never heard of cryptocurrencies. Moreover, 51 percent of the respondents had no idea what crowdfunding was.

Italy IT: Lending Rate data was reported at 3.001 % pa in 2017. This records a decrease from the previous number of 3.496 % pa for 2016. Italy IT: Lending Rate data is updated yearly, averaging 6.346 % pa from Dec 1989 (Median) to 2017, with 29 observations. The data reached an all-time high of 16.524 % pa in 1992 and a record low of 3.001 % pa in 2017. Italy IT: Lending Rate data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Italy – Table IT.IMF.IFS: Lending, Saving and Deposit Rates: Annual.

Italy IT: Lending Rate: Corporations: Stocks: Up to 1 Year data was reported at 2.702 % pa in 2017. This records a decrease from the previous number of 3.154 % pa for 2016. Italy IT: Lending Rate: Corporations: Stocks: Up to 1 Year data is updated yearly, averaging 4.797 % pa from Dec 2003 (Median) to 2017, with 15 observations. The data reached an all-time high of 6.562 % pa in 2008 and a record low of 2.702 % pa in 2017. Italy IT: Lending Rate: Corporations: Stocks: Up to 1 Year data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Italy – Table IT.IMF.IFS: Lending, Saving and Deposit Rates: Annual.

Italy IT: Deposit Rate: Households: New Business: Up to 1 Year data was reported at 0.853 % pa in 2017. This records a decrease from the previous number of 1.097 % pa for 2016. Italy IT: Deposit Rate: Households: New Business: Up to 1 Year data is updated yearly, averaging 1.606 % pa from Dec 2003 (Median) to 2017, with 15 observations. The data reached an all-time high of 3.135 % pa in 2008 and a record low of 0.853 % pa in 2017. Italy IT: Deposit Rate: Households: New Business: Up to 1 Year data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Italy – Table IT.IMF.IFS: Lending, Saving and Deposit Rates: Annual.

Italy IT: Risk Premium on Lending: Lending Rate Minus Treasury Bill Rate data was reported at 3.337 % pa in 2017. This records a decrease from the previous number of 3.664 % pa for 2016. Italy IT: Risk Premium on Lending: Lending Rate Minus Treasury Bill Rate data is updated yearly, averaging 3.300 % pa from Dec 1990 (Median) to 2017, with 28 observations. The data reached an all-time high of 4.443 % pa in 2014 and a record low of 1.813 % pa in 2011. Italy IT: Risk Premium on Lending: Lending Rate Minus Treasury Bill Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Italy – Table IT.World Bank.WDI: Interest Rates. Risk premium on lending is the interest rate charged by banks on loans to private sector customers minus the 'risk free' treasury bill interest rate at which short-term government securities are issued or traded in the market. In some countries this spread may be negative, indicating that the market considers its best corporate clients to be lower risk than the government. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics database.; ;

Italy IT: Deposit Rate: Corporations: Stocks: Up to 2 Years data was reported at 0.699 % pa in 2017. This records a decrease from the previous number of 1.061 % pa for 2016. Italy IT: Deposit Rate: Corporations: Stocks: Up to 2 Years data is updated yearly, averaging 2.060 % pa from Dec 2003 (Median) to 2017, with 15 observations. The data reached an all-time high of 4.517 % pa in 2008 and a record low of 0.699 % pa in 2017. Italy IT: Deposit Rate: Corporations: Stocks: Up to 2 Years data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Italy – Table IT.IMF.IFS: Lending, Saving and Deposit Rates: Annual.

Italy MFI: Lending: OA: Household: Extended Credit Card Debt data was reported at 14.849 % pa in May 2018. This records a decrease from the previous number of 14.857 % pa for Apr 2018. Italy MFI: Lending: OA: Household: Extended Credit Card Debt data is updated monthly, averaging 15.026 % pa from Jun 2010 (Median) to May 2018, with 96 observations. The data reached an all-time high of 15.781 % pa in Jul 2010 and a record low of 14.242 % pa in Feb 2017. Italy MFI: Lending: OA: Household: Extended Credit Card Debt data remains active status in CEIC and is reported by Bank of Italy. The data is categorized under Global Database’s Italy – Table IT.M004: Lending Rate.

Italy MFI: Lending: NB: Household: CC: Fixation: Up To 1 Year data was reported at 3.830 % pa in Sep 2018. This records a decrease from the previous number of 3.860 % pa for Aug 2018. Italy MFI: Lending: NB: Household: CC: Fixation: Up To 1 Year data is updated monthly, averaging 6.413 % pa from Jan 2003 (Median) to Sep 2018, with 189 observations. The data reached an all-time high of 11.429 % pa in Aug 2006 and a record low of 3.229 % pa in Apr 2017. Italy MFI: Lending: NB: Household: CC: Fixation: Up To 1 Year data remains active status in CEIC and is reported by Bank of Italy. The data is categorized under Global Database’s Italy – Table IT.M004: Lending Rate.