The best way to finance the purchase of property in Italy is with a mortgage. The benchmarks for mortgage interest rates, the Eurirs and Euribor, remain at historical lows and this, together with low bank rates and house prices which still favour the buyer, make 2019 the perfect year to buy a house in Italy. Here is a simple and useful guide on what you need to know about 2019 mortgages:
- TLRTO by the ECB in 2019: the effects on mortgages
As of September 2019, the European Central Bank will launch a series of Targeted Longer-Term Refinancing Operations (TLTRO) operations for banks and credit institutions, which will end in March 2021. What will be the consequences for mortgages? More information - The trends for mortgage spreads in Italy
Although at the moment mortgage rates are expected to remain steady, for several reasons the increase in the cost of financing to buy a house is something that is bound to happen, say experts surveyed by idealista/news. More information - No more Euribor from 2022
From 2022 we can say goodbye to the Euribor. The reference rate for variable-rate loans will be recalculated according to new parameters, but the new rate has been postponed by two years. The signatories of variable-rate loans can therefore be relatively reassured. More information - Forecasts for the mortgage market 2019
idealista/news asked the leading experts in the Italian mortgage market what their predictions are for 2019. This year is expected to be rather quiet and a good year for those who want to take out a mortgage in Italy. Even mortgage subrogations, which seemed to have lost some of their popularity, may still see a sudden change. More information - Bank of Italy’s fee guide to home loans
Before you apply for a mortgage in Italy, you need to ask yourself some basic questions. We run down the list of the main one with the help of the mortgage guide from the Bank of Italy. More information - Mortgage guarantees required by the bank
Before taking out a loan, it’s always good to be in a position to provide the guarantees that the bank will ask for or to have a guarantor willing to support your loan application. More information - What is a mixed loan and how does it work?
The term ‘mutuo misto’ in Italian has a different meaning than it does in English, referring to the type of mortgage you can get to buy and fix up a house. We look into the concept of the mixed mortgage and what tax deductions are available for this type of mortgage. More information - Mortgage application for buying house at auction
If you want to try to buy an Italian house at auction, it’s good to know that there is the possibility of getting a mortgage for the purchase of the property and what the possible pitfalls are. More information
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