Italian Mortgage Service 

IMS  is a branch of   Lifeinitaly.it 

 

ITALIAN MORTGAGES FOR FOREIGNERS 

FIRST AND SECOND HOME

MORTGAGE RATES 

 

for buy , buy and restore , restore , refinance

residential properties , in Italy

natural peoples only

 

MINIMUM 150.000 EURO

LTV 50% 

From 500.000 euro 60% LTV

 

 

 

  ITALIAN MORTGAGE RATES MONTHLY  INTEREST  RATE  UPDATING 

APPLYCABLE TO ALL TYPES OF MORTGAGES - FIRST AND SECOND HOME  

 

JANUARY   2026    

 

 

6 years

Fixed interest rate    3,73 %  !!   -  variable interest rate   3,10 %  !! 

-

10 years

Fixed interest rate    3,73 %  !!   -  variable interest rate   3,10 %  !!

-

15 years

Fixed interest rate    3,79 %  !!   -  variable interest rate   3,10 %  !!

-

20 years 

Fixed interest rate    3,84 %  !!   -  variable interest rate   3,20 %  !!

25 years - 

Fixed interest rate    3,91 %  !!   -  variable interest rate   3,30 % 

10 years                3,43 %  !!

15 years                3,49 %  !!

20 years               3,79 %  !!

25 years               3,84 %  !!

GREEN  HOMES  ONLY  

FIXED INTEREST  RATES DISCOUNT       0,50%

NO BANK CHARGES FOR PURCHASE, RESTORATION, CONSTRUCTION

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The reference interest rate is the one in force in the calendar month indicated at the top of the page..

Mortgage lending is subject to evaluation and approval by the Bank.