Italian families weigh fixed, variable mortgage rates

Italian families are increasingly weighing fixed versus variable mortgage rates following recent interest rate cuts by the European Central Bank. The choice depends on individual financial capacity and confidence in future savings. Domenico Colonna of Ing Italia suggests a balance between affordability and savings confidence. While fixed rates offer security, variable rates may become more advantageous in a decreasing interest rate environment, and mixed rates are also popular. The market shows a 50% year-over-year growth in the first quarter of 2025. The article also discusses the rise of mortgage surrogates, green mortgages for energy-efficient homes, and the importance of simplified, digital application processes. The market anticipates continued growth in the coming months, especially for high loan-to-value mortgages.