Good news from the field of credit and loans to households . To announce the positive results is the ABI, which has carried out research on a representative sample consisting of 84 different institutes . Data were collected on the basis of disbursements made by January to August 2014 and therefore monitor the status of the situation in the first eight months of this year.
Data in growth for mortgages: + 28% of delivery for a pillar of 15.6 billion
As reported in the statement distributed by ‘ Italian Banking Association an increase on an annual basis would have been 28.6% , corresponding to a total of € 15.543 billion disbursed for compared to 12.089 billion registered in the same period of 2013. It would therefore appear that it is being reversed positive route, with a resumption of lending to households that did not show for a long time. Among the various types of mortgages , the lion would have made the variable rate mortgages, with a percentage of the total of 79.9%, while in 2013 the same type of loan you stopped at 77.2% and in 2012 came to 69.1%. In addition, keep in mind that borrowers have benefited from rates steadily downhill , thanks to monetary policy decisions taken in recent months by the European Central Bank. The ECB rate has been reduced in the last meeting of central bankers to 0.05%, while the ‘ Euribor used by banks for the provision of credit to individuals touched record lows across all maturities , so that it could contact for the first time negative rates.
The ABI press release: “accounted for 80% of the Italian market,”
L ‘Abi says the numbers just exposed in a positive way: inside his statement can be read as “the data for the first eight months of the year highlight the market recovery of the loans to households for ‘purchase of housing. Sul sector has probably also affected the favorable tax regime on a decrease of the registration fees and the land and mortgage, which was started with the approval of the Law stability 2014 . Yet despite this, Confindustria is still pointing your finger on the IRS and to jump-start the industry calls for action to be taken with a decrease in land rents real estate. To confirm that the new loans are not sufficient to reverse the trend of the real estate market is the fact that this year will likely record a slowdown. The road to a real recovery in the housing market is probably still long.
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