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Italy Published Loan Rates
Mutuo a tasso fisso or variabile; 20–30 year terms are typical.
EUR Active Currency
Launch Calculator →
Lowest Published APR
3.20%
Best rate benchmark currently on record
Market Average APR
3.46%
Mean across tracked lending products
Available Products
62 Benchmarks
Fixed, variable & personal credit
Statutory System
Mutuo ipotecario a tasso fisso o variabile
Verified statutory framework
Italy Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-22T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-21T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-20T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-19T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-18T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-18T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-17T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-16T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-15T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-14T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-13T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-12T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-11T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-10T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-09T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-07T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-06T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-05T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-04T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-03T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-03T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-02T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-10-01T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-28T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-27T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-27T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-26T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-25T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-24T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-23T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-22T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-21T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-20T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-19T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-18T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-18T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-17T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-16T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-15T00:00:00Z | Calculate → |
|
IT Mutuo Tasso Fisso (Banca d'Italia)
⚡ Live
Stub for Banca d'Italia API
|
🏠 Mortgage | 20 Years (240 mo) | 3.40% | fixed | 2026-09-15T00:00:00Z | Calculate → |
|
Italy Mutuo Tasso Fisso 25 Anni
|
🏠 Mortgage | 25 Years (300 mo) | 3.20% | fixed | Active Benchmark | Calculate → |
|
Italy Prestito Personale Media
|
👤 Personal Loan | 5 Years (60 mo) | 7.25% | fixed | Active Benchmark | Calculate → |
🏛️
Italy Underwriting Guidelines
Statutory Borrowing Rule
Banca d'Italia 80% max standard LTV and 30%–35% rata/reddito debt-to-income ratio
Mortgage System
Mutuo ipotecario a tasso fisso o variabile
Default Insurance / Guarantee
Standard lender risk provisions apply.
Regulatory Reference