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Italians among the saltiest in Europe

Mortgages Italians among the saltiest in Europe
9 000 € more than the European average and increase in foreclosures 31.8%

9 000 € more than the average European , is what banks pay to customers who sign a mortgage to buy a house in Italy.

This follows from Ance Report, the ' National Association of Manufacturers Builders , " Credit in the construction industry in Italy " that took as a reference hypothesis of funding for the purchase of your first home, a loan amounting to 150 000 € from repaid in 25 years. The Report shows that

Italian families pay for more than twelve European . The average interest rate differential between Europe and Italy, amounting to 0.69% and 0.36% in August 2010 to September 2010 (EU average 3.74% against the Italian by 4.1%), does not contribute to a market recovery Italian real estate, causing a deterioration in the competitiveness of the country.

These additional costs are, according to the Reeds, unjustified, in addition, contrary to what happened in many European countries that were characterized by a strong individual debt, the riskiness of Italian families remained very low from the beginning of the crisis to date.

on consumer credit from one to five years, in October 2010, the Italian at his own expense differential was approximately 1, 04%. Estimates of Adusbef , consumer defense association and users of banking, financial and insurance , Housing foreclosures are rising with growth of 31.8% in 2010 compared to 2009 . In the period 2008/2010 were about 150 000 homes to be auctioned.

According to the Bank of Italy, Italian families are increasingly difficult to pay the mortgage payment. Suffice it to say that a family of 20 have problems with the insolvency of the bank with which he signed a mutual .

In 2010, the highest increases in foreclosures were reported in:

• Milan 4885 +1592;
• Torino 2627 + 930;
• Roma  2.703 + 728;
• Monza 1.539 + 424;
• Verona 1.996 + 425;
• Bergamo 1.586 + 416;
• Lecce 1.586 + 365;
• Brescia 1.408 + 290;
• Genova 1.053 + 336;
• Bari 1.390 + 340;
• Firenze 987 +199;
• Padova 1.067 + 168.

Riferimenti: Il credito nel settore delle costruzioni in Italia, rapporto ANCE, mutui italia, pignoramenti

Ulteriori approfondimenti alla pagina: Mutui italiani fra i più salati d'Europa