Positive portrait for real estate world, with recovery signals always more encouraging.
At few days from the end of the year, the result of 2015 is a pleasant surprise.
In fact, according to data of Italian Bank Association (ABI), we observe a general recovery of real estate sector, with the restart of real estate trade and the growth of transfer loans.
This increase records a positive +86,1%, with a transfer of new loans of 28.920 billion euro in 2015, compare to the 15.543 billion euro of 2014.
In details, we find among the cities with major number of transfer of loans, Turin with a +16,3% and Palermo with a +16,1%, whereas Florence and Milan record the first a +11,8% and the second a +9,2%. Values more restrained, on the contrary, for Rome with a +5% and Bologna with a +3,2%.
However, why is the reason of this positive real estate refreshing air?
Surely, the positive trend seems to be a clear reflex of the facility with, today, we can take out a mortgage also on online platforms, which offer easier and faster operations and convenient rate of interest, lower than the market’s values.
In this way, more complex actions, as the request of subrogation (which means the possibility to transfer the loan to another bank, by changing the type of rate of interest of Bersani Law) becomes more and more easy to do, by staying at home.
However, what is the profile of ideal borrower?
From various research, we observe that the curious profile of “ideal borrower” seems to have a medium age of 40 years, whereas the duration of loan is for twenty years.
The major demand of loans is concrete and caused by the growing opportunity to invest, consequences of the decrease of properties prices and the initiatives of banks, who want to finance and incentivize the monetary incitement.
And what does it happen, if the request grows?
We have the increase of 6,8% of real estate trade, by highlighting in detail a +10,3%, for residential and a +8,2%, for commercial sector.
On the other hand, the building bankruptcies decrease with a -10%, both for those of industrial division with -8%, whereas services record an increase of 4%.
Which is the best good purpose for the New Year, if not to pick this positive moment to buy or simply to invest in fortunate brick?
