# Italian mortgage market trends

> Live situation record from CLSTR: https://clstr.news/situations/italian-mortgage-market-trends
> Updated: 2026-08-26T20:23:11.000Z. Sources: 2. Developments: 2.

In the first half of 2026, mortgage applications in Italy decreased by 5.9% compared to the same period in 2025. Data from the CRIF mortgage barometer indicated that households were exercising greater caution, even as banks offered various small-loan products to accommodate different financing needs.

By the second quarter of 2026, the market showed a strategic shift toward longer-term repayment plans. As average interest rates reached an 18-month high of 3.47% and property prices rose, homebuyers increasingly sought extended durations to maintain sustainable monthly installments. Mortgages with terms between 26 and 30 years grew to represent 65.2% of the total market, up from 61.3% in the previous period, while shorter-term contracts saw a corresponding decline.

## Timeline

### 2026-08-26: Italy mortgage market shifts toward 30-year terms

Italian homebuyers are shifting toward 30-year mortgages to mitigate the impact of rising interest rates and property prices, according to data from Patrigest – Gruppo Gabetti.

2 sources. https://clstr.news/cluster/italy-mortgage-market-shifts-toward-30-year-terms

### 2026-08-03: Italy mortgage applications fall 5.9% in first half of 2026

CRIF data shows Italy's mortgage applications fell 5.9% in early 2026, with loan sizes stable. Banks vary on minimum loan amounts, offering options from €30k to no set floor.

3 sources. https://clstr.news/cluster/italy-mortgage-applications-fall-59-in-first-half-of-2026

---
Cite as: Italian mortgage market trends. CLSTR, https://clstr.news/situations/italian-mortgage-market-trends