Fabi, mortgage rates have tripled in two years. The surge in the cost of money, raised to 4.5% by the ECB, has tripled the rates charged by banks on mortgages granted to families.
Average interest applied to real estate loans had reached 4.40%, i.e. exactly triple compared to the 1.45% of January 2022. The dizzying rise of 295 percentage points in just 24 months has led the stock of mortgages to decline, during 2023, by 2.3 billion euros.