Italian Mortgage Demand Soars in 2025, Pointing to a Resilient Housing Market
ROME, Italy – January 26, 2026 – Italian families demonstrated a robust and sustained demand for mortgages throughout 2025, with a remarkable average annual increase of 12.0%, according to data released today by Teleborsa and the EURISC Credit Information System. This surge in activity, a key indicator of economic health, suggests a continued resilience in the Italian housing market despite evolving financial conditions. This is breaking news for anyone following European financial trends and a significant signal for Google News indexing.
Peak Demand and the Impact of ECB Rates
The peak in mortgage requests occurred in January 2025, witnessing a substantial jump of +26.8%. This period of strong expansion, spanning the latter half of 2024 and the first months of 2025, has since moderated, showing a progressive slowdown in growth. A major contributing factor to this initial boom was the favorable supply conditions, particularly the reference rates set by the European Central Bank (ECB). Lower rates made homeownership more accessible, fueling demand across the country.
Subrogation Surges as Italians Refinance
Beyond new mortgages, a significant trend emerged: subrogation. Italian families increasingly opted to refinance existing mortgages, with a +37.3% increase in subrogation operations between January-September 2025 compared to the same period in 2024. This strategic move aimed to alleviate the financial burden of installments taken out during periods of higher interest rates – a smart financial play for many homeowners. Understanding this trend is crucial for anyone performing SEO research on the Italian financial sector.
Loan Amounts and Applicant Profiles
The average mortgage amount requested in 2025 rose by +3.4%, reaching a total value of 153,379 euros. December saw the highest average value of the year at 155,504 euros (+1.0% compared to 2024), closely followed by June at 155,107 euros (+4.6%). Interestingly, the most popular loan amount ranges were between 100,000 and 150,000 euros (31.0% of applications) and 150,000-300,000 euros (30.6%).
Looking at applicant demographics, the majority (42.4%) preferred repayment terms between 25-30 years, demonstrating a desire to balance affordability with a reasonable timeframe. Furthermore, over half of all applicants were between 25 and 44 years old, with an additional 21.6% falling within the 45-54 age bracket, highlighting the key demographic driving the housing market.
What’s Next for 2026? A Prudent Outlook
Looking ahead to 2026, Simone Capecchi, Executive Director of CRIF, anticipates a shift. While the ECB’s expansionary monetary policy is nearing its end, the increasing financial stability of Italian families will continue to support mortgage demand. However, this demand is expected to be more measured and prudent. “Overall, the quality of credit will remain good, with low risk indicators,” Capecchi stated. This suggests a sustainable, rather than explosive, growth trajectory.
The resilience of the Italian credit system, capable of balancing demand with rigorous risk management, is a cornerstone of the nation’s financial stability. This careful approach will be vital in ensuring balanced growth across the entire national financial sector. The Italian housing market, while facing new challenges, appears well-positioned to navigate the evolving economic landscape.
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