Mutui ai minimi addio? Il tasso fisso torna a salire, stabile il variabile
The rapid rise of interest rates that began in September led to a rise in the "price" of a fixed mortgage, which, after a year of reductions in January has changed sign and registered an increase of 15 basis points. "The time of historically low interest rates for mortgages for individuals and families - known as spread Compass Mutuisupermarket and CRIF - is probably starting to draw to a close." While on the floating rate, "the situation is quite stable" in terms of fixed-rate mortgages - at the end of 2016 accounted for more than half of all disbursements - the upward revision "may continue over the next months."
An example? For a twenty-year loan of EUR 140 thousand (EUR 220 thousand property value), the best finished rates for fixed rate mortgages according Mutuisupermarket.it placing it in January 2017 around 1.70% against a counterpart 1.55% last October 2016. "And this increase is not yet fully absorbed the increase registered the IRS indexes that, for the duration of 20 years, have increased in the period October 2016- January 2017 of 40 basis points (from 0.90% on average in October to '1.30% today). "
At the level of new loan disbursements through the online channel, the subrogation purposes continues to represent approximately 56% of total disbursements in the fourth quarter of 2016, after coming to explain even the 65% of the total disbursed in the third quarter of 2015. On traditional channel, however, the weight of subrogation was around 25%, progressively diminishing following the peak of the previous years. In the coming quarters is expected a further reduction of the weight of subrogation component, attributable on the one hand to the continuous reduction of the pool of potential borrowers interested in scrap the mortgage, on the other hand the progressive increase in IRS rates.
Started to increase the average amount required if the fourth quarter of 2015 this is assestava around 119,500 euro, in the fourth quarter of 2016 reaches EUR 124,851. In parallel there was also a slight increase of the average amount of mortgage loans, which increased from € 111,000 in the first quarter of 2016 to almost 114,000 euro in the fourth quarter.
The Compass also analyzes real estate market view with the lens of mortgages, "in the fourth quarter of 2016 there was a further reduction of prices per square meter of residential property provided as collateral to the loan amounting to -3.3%. By analyzing the different types of residential property, in the fourth quarter of 2016 the price / sq m for used real estate outperforms contraction, equal to -7.1%, while the price / sq m of new properties is reduced by -2.0% ».
"Despite the rates begin to mark a slow upward trend, the market environment remains very favorable to the subscription of new home loans, with mortgage deals always very competitive and banks that continue to invest in the product with aggressive trade policies - said Stefano Rossini, director of MutuiSupermarket.it -. Demand for new mortgages in fact closes the year 2016 under acceleration with + 21% over December and up 13% at annual level. "
"An interesting phenomenon that has characterized the entire 2016 was definitely the slow but steady decline in the default rate of mortgages - declares Stefano Magnolfi, director of real estate services of CRIF -. In September 2016, the riskiness of loans has in fact reached 1.4%, the lowest level observed in the last four years. Largely contributing to the reduction in credit risk were the same banks that have begun to take more careful selection policies in an attempt to prevent further non-performing loans in the future. In addition, they have certainly contributed the level of interest rates, which have remained low throughout the observation period, the trend of increase in income per capita and the possibility of renegotiating the terms of the loan, which facilitated families to the sustainability of its debt. "
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