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Italian personal loan and mortgage market trends

Updated 2 times since CLSTR started tracking revisions of this situation.

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2026-09-05 07:54 UTC → 2026-09-09 09:27 UTC · added ~~removed~~

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%.~~ 8.49% in July and August. This upward trend follows a period of improving financing conditions throughout ~~2025.~~ 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 ~~(cessione del quinto)~~ 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%. The average mortgage in Molise is 97,212 euros with a duration of 20 years and 8 months, notably shorter than the national average of 24 years and 7 months. Property values in Molise average 133,235 euros, which is lower than the national average of 218,573 euros. 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. Lombardy led mortgage activity with 3,185.9 million euros (approximately 24.98% of the national total), despite a 1.4% year-on-year decline in the region. Within Lombardy, mortgage volumes rose by 9.1% in Pavia to 111.3 million euros, while Cremona and Lodi saw decreases of 10.9% and 17%, respectively.

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