Aumento delle Richieste di Mutuo: Segnali Positivi da Napoli e Venezia
Le richieste di mutuo stanno mostrando segnali di ripresa in diverse aree del Paese, nonostante l’effetto della diminuzione dei tassi di interesse debba ancora fare presa completamente. Prendendo in esame alcuni capoluoghi rappresentativi, è evidente come in città come Napoli e Venezia si stiano registrando incrementi significativi. A Napoli, ad esempio, si è osservata una crescita del +3% nelle richieste di mutuo nell’ultimo mese.
A Venezia, il trend è ancora più positivo, con un aumento del +13% rispetto a marzo 2023. In generale, la Lombardia rimane la regione con la maggior concentrazione di richieste di mutuo, rappresentando il 18% del totale nazionale.
Il Fenomeno del “Buy Now, Pay Later”: Un Mercato in Evoluzione
Il sistema di pagamento “Buy Now, Pay Later” (BNPL) sta vivendo un periodo di fluttuazioni. Negli ultimi tre mesi, l’utilizzo di questo metodo ha registrato un calo del -19% rispetto al periodo ottobre-dicembre 2023, in cui si sono concentrate molte delle spese dell’anno. Tuttavia, la rilevanza del BNPL per i consumatori odierni rimane alta, con picchi significativi di utilizzo in concomitanza con le offerte speciali.
During the week from March 20th to 25th, coinciding with Amazon’s spring offers, BNPL requests increased by +30% compared to previous periods. According to Armando Capone, General Manager of Experian Italy, “Beyond periods of stagnation, due to decreased expenses or absence of holidays, the centrality of Buy Now, Pay Later as a consumption tool remains indisputable.”
Previsioni Ottimistiche per il Mercato del Credito
Capone adds that the +122% growth recorded in the last two years for BNPL is a clear indicator of the increasing importance of this tool. “We are confident that the trend of using BNPL and web financing will only grow in the coming months.” The first quarter of 2024, with the decrease in interest rates on mortgages and loans, bodes well for a recovery and stabilization of the Italian credit market.
Distribuzione Regionale delle Richieste di Prestito
Regarding the loan segment, the distribution of requests by region is quite consistent compared to previous months. Lombardy, Sicily, and Campania rank high both for personal loan requests (respectively 14%, 12%, and 11% of the total regions) and for dedicated loans (respectively 15%, 12%, and 13% of the total).
In particular, the average funded amounts for personal loans increased by +3% last month, with a more pronounced growth in the Northwest and Central Italy. The total average amount for personal loans is now €10,531.
Trend of Dedicated Loans: Telephony and Automobiles
As for dedicated loans, the average amounts dropped by almost 8% last month. However, there continues to be a positive trend for major financed goods, such as cell phones and cars. Requests for cell phone financing increased by +8% compared to February.
Regarding cars, the year-on-year comparison is significant: there is a +32% growth in financing for the purchase of new cars, favored by state eco-incentives. Requests for used cars continue to increase as well, recording a +4% increase from February and +5% from March 2023.
Outlook for the Near Future
These data suggest that, despite some fluctuations in usage rates and average funded amounts, the Italian credit market is showing signs of recovery. The gradual decrease in interest rates on mortgages and loans should gradually contribute to a stabilization and a new growth of volumes.
In summary, mortgage and financing requests are increasing in some areas of the country, with positive signals especially from cities like Naples and Venice. The BNPL phenomenon continues to show its relevance for consumers, despite recent fluctuations. The Italian credit market seems to be in a phase of transition, with optimistic prospects for the near future.