Italy: Mortgage credit interest rate
* indicates monthly or quarterly data series
The most recent value is 2.7 percent as of December 2025, an increase compared to the previous value of 2.69 percent. Historically, the average for Italy from January 1995 to December 2025 is 4.58 percent. The minimum of 1.59 percent was recorded in December 2021, while the maximum of 12.52 percent was reached in October 1995.
Click on the following link to see the values of: Mortgage credit interest rate around the world.
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* indicates monthly or quarterly data series
- Measure: percent
- Source: Bank of Italy
| Recent values | Italy: Mortgage credit interest rate, percent |
|---|---|
| 2025 Dec | 2.7 |
| 2025 Nov | 2.69 |
| 2025 Oct | 2.69 |
| 2025 Sep | 2.68 |
| 2025 Aug | 2.67 |
| 2025 Jul | 2.67 |
| 2025 Jun | 2.71 |
| 2025 May | 2.73 |
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Definition: The mortgage credit interest rate is the average interest rate on mortgage loan products offered to individuals and households by the commercial banks in the country. The mortgage credit is a loan used to finance the purchase of real estate.
| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Inflation | 1.0 | 2024 | percent |
| Exchange rate regimes | 7 | 2023 | index points |
| USD exchange rate | 0.8695 | 6/2026 | Local Currency Units per USD |
| Money supply (broad money) | 1,956.11 | 12/2025 | billion |
| Consumer Price Index (CPI) | 103.7000 | 6/2026 | index points |
| Inflation, monthly | 0.10 | 6/2026 | percent |
| Inflation, annual | 3.08 | 6/2026 | percent |
| Food and beverages inflation | 2.93 | 4/2026 | percent |
| Alcohol and tobacco inflation | 2.71 | 4/2026 | percent |
| Energy price inflation | 9.22 | 4/2026 | percent |
| Transport services inflation | 3.73 | 4/2026 | percent |
| Information and communication inflation | -2.20 | 4/2026 | percent |
| Restaurant and accommodation services inflation | 2.78 | 4/2026 | percent |
| Health care inflation | 0.99 | 4/2026 | percent |
| Education services inflation | 1.67 | 4/2026 | percent |
| Clothing and footwear inflation | 0.98 | 4/2026 | percent |
| Private sector credit | 1,288.89 | 12/2025 | billion |
| Business credit | 606.06 | 12/2025 | billion |
| Household credit | 683.86 | 12/2025 | billion |
| Mortgage credit | 440.52 | 12/2025 | billion |
| Consumer credit | 242.30 | 12/2025 | billion |
| Deposit interest rate | 2.22 | 12/2025 | percent |
| Business credit interest rate | 3.89 | 12/2025 | percent |
| Mortgage credit interest rate | 2.70 | 12/2025 | percent |
| Policy rate | 3.00 | 12/1998 | percent |
| Household debt to GDP | 35.80 | 12/2025 | percent |
| Debt service ratios for private non-financial sector | 9.20 | Q4/2025 | percent |