# Italian personal loan and mortgage market trends > Live situation record from CLSTR: https://clstr.news/situations/italian-personal-loan-and-mortgage-market-trends > Updated: 2026-09-07T14:06:43.000Z. Sources: 12. Developments: 4. In the third quarter of 2026, Italy experienced a rise in the cost of personal financing, with the average APR (TAEG) for personal loans reaching 8.49% in July and August. This upward trend follows a period of improving financing conditions throughout 2025 and represents a 9 basis point increase compared to the previous quarter. Trends varied across different financing categories. Interest rates for salary-backed loans (cessione del quinto) for private employees rose from a previous average of 6.85% to 7.12%. In contrast, rates for public employees remained stable at an average of 5.73%, while rates for retirees decreased by approximately 30 basis points, falling from 7.93% to 7.61%. Regional data shows significant variations across the country. In Lombardy, interest rates rose by 9 basis points compared to the previous quarter. Loan request amounts and borrower demographics varied by province, with Lodi recording the lowest average request and the youngest average borrower age, while Cremona saw the highest average request. In Friuli Venezia Giulia, liquidity remains the most common purpose for loans (34.3%), while salary-backed loans involve significantly higher average amounts, averaging 23,917 euros compared to the general personal loan average of 10,784 euros. In Molise, mortgage trends show lower property values and shorter average mortgage durations compared to national averages. As of August, fixed mortgage rates rose to 3.46% while variable rates stood at 2.80%. Earlier in 2026, mortgage financing for Italian families totaled 12,754 million euros in the first quarter, a 2.1% decrease compared to the same period in 2025. ## Claims - The Bank of Italy published a report on banks and financial institutions in June 2026. (corroborated by 3 sources) - Kìron Partner SpA analyzed mortgage trends for the first quarter of 2026. (corroborated by 3 sources) - Italian families received 12,754 million euros in mortgage financing in the first quarter of 2026. (corroborated by 3 sources) - National mortgage financing decreased by 2.1% in the first quarter of 2026 compared to the same period in 2025. (corroborated by 3 sources) - Lombardy region accounted for 3,185.9 million euros in mortgage financing in the first quarter of 2026. (corroborated by 3 sources) - Mortgage volumes in Lodi province fell by 17% in the first quarter of 2026. (single source) - Mortgage volumes in Pavia province increased by 9.1% in the first quarter of 2026. (single source) - Mortgage volumes in Cremona province decreased by 10.9% in the first quarter of 2026. (single source) ## Timeline ### 2026-09-07: Italy personal loan interest rates rise to 8.49% in Q3 2026 Average interest rates for personal loans in Italy rose to 8.49% in the third quarter of 2026, while rates for public employee salary-backed loans remained stable at 5.73%. 5 sources. https://clstr.news/cluster/italy-personal-loan-interest-rates-rise-to-849-in-q3-2026 ### 2026-09-05: Italy mortgage financing trends for Q1 2026 Italian mortgage financing fell 2.1% to 12,754 million euros in Q1 2026. Lombardy leads the nation, though local trends vary, with Pavia seeing growth and Lodi and Cremona experiencing declines. 3 sources. https://clstr.news/cluster/italy-mortgage-financing-trends-for-q1-2026 ### 2026-09-03: Italian credit trends show rising loan costs and regional variations Italian credit trends show rising personal loan APRs to 8.49% and regional variations in mortgage values and durations, particularly in Molise and Friuli Venezia Giulia. 4 sources. https://clstr.news/cluster/italian-credit-trends-show-rising-loan-costs-and-regional-variations ### 2026-08-29: Lombardy personal loan rates rise amid regional demographic shifts Personal loan interest rates are rising in Lombardy, with the regional average TAEG reaching 8.49% in Q3 2026. Lodi reports the lowest loan amounts, while Pavia has the oldest average borrowers. 3 sources. https://clstr.news/cluster/lombardy-personal-loan-rates-rise-amid-regional-demographic-shifts --- Cite as: Italian personal loan and mortgage market trends. CLSTR, https://clstr.news/situations/italian-personal-loan-and-mortgage-market-trends