Currently almost 40% of the Italian population has at least active funding. We speak for the accuracy of 39.4% according to the analyzes conducted by CRIF, a company specialized in credit information systems. The data refer to the first six months of 2019, and mark an increase of 8% compared to the same period of the previous year. The number of Italians applying for a loan therefore increases, yet the average installment that is paid decreases, which is now $ 344 (a drop of 1.5% compared to the first 6 months of 2018).
You will find plenty of loan offers on the internet. Depending on whether you want to apply for a quick loan, the so-called payday loan or non-bank installment loan, you will receive different parameters and loan terms. You can apply for each of these products online. Check what are the advantages of this solution.
The reason for the large demand for loans from Italians
It is probably the interest rate which continues to remain reasonable. Many therefore decided to take the plunge and launch, for example, in the purchase of real estate, cars, motorcycles or consumer electronics.
Beatrice Rubini, director of the CRIF Mister Credit line, believes that the decrease in the average installment and residual exposure are evidence of a certain sustainability of consumer debt. In short, there are ideal situations to take advantage of the loans and get some thoughts out of your head. Several people who use the same tool are testimony to a mechanism that works and is capable of satisfying consumers.
It seems that the targeted loans are the ones that are the most popular, representing 45.5% of the total. The loans aimed, we remind you, are those intended for the purchase of a particular good or service, such as a car, a motorcycle, household appliances, consumer electronics, furnishings or travel.
Then there are personal loans, those that do not require a specific purpose, and which represent almost 33% of the total. Tuscany is the region with the highest percentage of citizens having at least active funding, with a significant 44.2% of the population. Follow Sardinia, Friuli-Venezia Giulia, Lazio and Valle D’Aosta. The tail of Trentino Alto Adige, where only 20.2% of the population has applied for loans and finds itself with active financing.
Finally, the mortgages for the purchase of real estate, with 21.7% of the cake, close the ranking.