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ABI: the positive trend in personal loans in Italy continues

PBI: the positive trend in personal loans in Italy continues

PBI: the positive trend in personal loans in Italy continues

 

According to the latest data compiled by ‘PBI, the PORTAR Banking Association, the segment of personal loans continued to grow at a fast pace. In fact, the latest report published by the Association shows a substantial increase in requests, which on the whole indicate a good + 1.3% on an annual basis, thus confirming the positive values ​​for the past 22 months.

Good opportunities for everyone: from those who wish to request a more traditional personal loan product, to those who need to request a salary- backing solution or loans for the unemployed , the consumer credit sector is growing steadily. Positive news also in terms of net non-performing loans, down considerably (-23 billion euros) compared to what had been highlighted at the end of 2016.

PORTARs therefore require more funding, and the reasons are many: from the purchase of a new car, to financing a trip, to the need to obtain extra liquidity to meet some unexpected expenses. But how do our compatriots use the budget? To provide an interesting insight into the administration of money by families, we only thought about Istat a few weeks ago. According to these figures, interest in clothing has decreased by 24.8%, offset by a greater investment on the domestic horizon and on everything related to the home, which grew by + 19.3%. This is a particularly interesting trend, especially since the 2006 balance has remained substantially unchanged. So the spending of our countrymen changes to a new dress or footwear (-468 euros on an annual basis) they prefer to invest in health that has gained + 32.6% over the last decade.

Loan estimate of 10000 euros

Loan estimate of 10000 euros

 

Financial: Simple Loan
Product: Personal Loan
TAN Fixed: 4.25%
APR: 4.44%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.117

Monthly installment € 185 , 28 Feasibility check 

Financial: Ultranix
Product: Personal Loan
TAN Fixed: 5.16%
APR: 6.70%
Loan duration: 60 months
Amount Financed: € 10.146
Total due: € 11.735

Monthly installment € 193 , 19 Feasibility check 

Financial: Astrofinance
Product: “Your Projects” Credit
TAN Fixed: 6.01%
APR: 6.18%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.602