(Finance) – “The new cut of the taxi by the ECB It is a further positive sign for the use of credit and the demand for mortgages and loans, which benefits from greater trust from families thanks to a purchasing power in recovery and more favorable conditions for projects and expenses. ” Simone CapecchiExecutive Director of Crifthe latest decisions of the European Central Bank.
“Already in 2024 the demand for mortgages It was driven by the cuts operated by the ECB during the year and by the consequent reduction of the interest rates applied by the banks – he recalled -. Requests for new mortgages e subrogation In fact, Italian families have marked an increase of +12.1% compared to the previous year, with year -end peaks that touched +30% in November and +25.4% in December “.
“As for the loans2024 recorded a slight decrease in the overall demand (-1.6%), but saw personal loans grow by +11.3%, with an average amount increased to 9,214 euros ( +9.3%). The requests for finalized recorded a drop of 11.5% in the entire year just concluded, but this trend reflects the growing use of payment solutions and Buy Now Pay Laternow affirmed as alternatives to traditional Small ticket loans under 5,000 euros, “added Capecchi.