Installments of the variable mortgages less dear, Best rates For funding And loans. And a lower cost For refinance the public debtalways if the surge of Tresury it will not continue, dragging the ups to the rise European government bonds. The decision of the ECB to cut the cost of money of 25 basis, bringing the reference rate At 2.25%, they have a series of effects on citizens, businesses and governments.
* Rate of lighter mortgages. Facile.it and Mutui.it have estimated that with the new rates there installment of a standard variable mortgage It should decrease by around 17 euros, passing from the current 640 euros to 623 euros. The cut may not be the last of 2025 and by the end of the year the installment could drop to 598 euros, with a saving of about 42 euros compared to today. As for the fixed rateon the other hand, according to a study by Fabi It could soon arrive around 2.55%, decidedly more contained than the 4% practiced until about a year ago. More in detail, on a Mortgage of 100,000 euros to 20 yearsthe installment will be reduced by 76 euros per month, while for the same amount at 30 the saving It will be 81 euros. For a financing of 250,000 euros to 30 yearsthe monthly reduction reaches 203 euros, equal to over 2,400 euros per year. The effect will be more marked on long -lasting mortgageswhere the weight of the interests It is greater.
* Breath for investments. With the cost of money lower, the ascent of the Loans to families but also at businesses. According to data ECBThe average interest rate on new loans to businesses It dropped to 4.1% to February, from 4.3% in January. And the Growth of loans to businesses She returned to increase in February, reaching 2.2%. But it’s not all downhill, and always because of theuncertainty: The Credit standards for i Boarding for business they ran again slightly in the first quarter of 2025. As in the previous quarter, this is mainly due to the fact that the banks they are increasingly worried about cheap risks faced by their customers. There demand for loans On the part of the companies he decreased slightly in the first quarter, after a modest recovery in the previous quarters.
* The cost of the debt drops. The start of the ECB cuts last June he had dropped the Decennial btp from a peak of 5% to the end of 2023, to a minimum of about 3.20% in December 2024. TheParliamentary Budget Officein December, had estimated cumulative savings in the period 2025-29 for 17 billion in the shopping for Interest passive interests. But the latest turbulence on the marketswith the Relzo of the Treasury returnsalso weighed on Btp whose performance It slightly climbed to 3.65%.