(Finance) – In recent years, the Mortgage market has experienced a period of uncertaintybut from the second half of 2024, thanks to the monetary policy of the ECBthe sector showed signs of recovery. According to the joint observatory Facile.it And Mutui.itin Lazio there was an increase in both the average amount required for mortgages (147,823 euros, +5%) both of the number of financing applications (+17%). The real estate market also follows this positive trend: the data of theRevenue Agency They indicate an increase in the purchase and sale of houses in Lazio by 2.6% in the third quarter of 2024 compared to the same period of 2023.
The average value of the properties subject to mortgage in Lazio went up to 238,011 euros (+3%). The average age of applicants has also slightly increased (41 and a half years), in part due to the growth of surrogate requests, passed from 24% in 2023 to 32% in 2024, thanks to the reduction of interest rates. At the provincial level, Rome records the highest average amount requested (153,235 euros), followed by Latina (125,913 euros), Rieti (107,713 euros), Viterbo (107,574 euros) and Frosinone (106,180 euros).
For mortgages intended for the purchase of the First home, the tendency to rise is confirmed: The average amount requested risen to 156,643 euros (+5%), while the average value of the properties reached 224,682 euros (+2%). The average age of applicants remains stable at about 38 and a half years, as well as the duration of the amortization plan (26 years and a half).
The fixed rate mortgages remain more advantageous than the variables, although the gap has reduced. According to the simulations of Facile.it and Mutui.it, The best online offers for an average mortgage of 126,000 euros in 25 years, covering 70% of the property value, start from a fixed rate (TAN) of 2.45%, with a installment of 562 euros. For energy -class properties A or B, green mortgages offer even more advantageous conditions, with a multi of 2.40% and a installment of 559 euros.
For the subrogation, The best tan available online is 2.57% (installment of 570 euros). The variable rate mortgages, thanks to the ECB cuts, are today more convenient than six months ago, with offers that start from a lot of 3.50% and a installment of 631 euros. For class A or B properties, the rate drops to 3.33%, with a installment of 612 euros.