The use of loans through banks and finance has however a scenario a bit 'more complex. In general, the Italian debt owed to credit institutions increased by 3.5% (as of September 2019, compared with 2018), so there is a greater use of such tools. The still problematic real estate situation, however, has slowed growth. However, mortgage rates continued their descent. The Italian families prefer, however, to avoid surprises and unexpected, preferring to rely on fixed rates. We consider that, in 2019, over 60% of mortgages in Italy were entered into with interest at fixed rates.
According to the forecast of the Bank of Italy, at the end of 2020 we will have witnessed a further reduction in interest rates. This will bring the Italian families to greater stability and an increase in disposable income. The number of households deemed "vulnerable" would therefore have to fall to 1.8% of the total.
But be careful, because still considered a negative international situation, the risky debt could rise up to 11%. Obviously these forecasts, we must see how it will evolve the international scene and what impact it will have on the internal situation in our country.