According to estimates by CRIF
Currently almost 40% of the Italian population has at least one active financing. It speaks for the accuracy of 39.4% according to the analysis conducted by CRIF, a company specializing in credit information systems. The data refer to the first six months of 2019, marking an increase of 8% over the same period last year. therefore increases the number of Italians who require a loan, yet decreases the average installment is paid, which now is 344 € (a decrease of 1.5% compared to the first six months of 2018).
The reason for the huge demand for loans by Italian is probably the interest rate that continues to remain reasonable. Many have therefore decided to take the plunge and launch, for example, in the purchase of real estate, cars, motorcycles and consumer electronics.
Beatrice Rubini, director of Online Credit Repair CRIF, believes that the decrease in the average installment and the remaining exposure is evidence of a certain sustainability of consumer debt. There are short of ideal situations to take advantage of loans and take off some thoughts from his head. The more people who resort to the instrument are testimony to a mechanism that works and is able to satisfy consumers.
Among the possible options, it seems that the purpose loans are those that are all the rage, accounting for 45.5% of the total. The purpose loans, remember, are those for the purchase of a good or service in particular, how can it be a car, a motorcycle, household appliances, consumer electronics, furniture or travel items.
Then there are the personal loans, those that do not require a specific purpose, and represent almost 33% of the total.
Rounding out the list are finally mortgages for the purchase of real estate, with 21.7% of the pie.
Tuscany is the region with the highest percentage of citizens who have at least one active loan, with a significant 44.2% of the population. Following Sardinia, Friuli-Venezia Giulia, Lazio and Aosta Valley. Lagging behind the Trentino Alto Adige, where only 20.2% of the population have applied for loans and finds himself with an active funding.