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 

 

DECEMBER   2025    

 

 

6 years

Fixed interest rate    3,57 %  !!   -  variable interest rate   3,10 %  !! 

-

10 years

Fixed interest rate    3,57 %  !!   -  variable interest rate   3,10 %  !!

-

15 years

Fixed interest rate    3,62 %  !!   -  variable interest rate   3,10 %  !!

-

20 years 

Fixed interest rate    3,66 %  !!   -  variable interest rate   3,20 %  !!

25 years - 

Fixed interest rate    3,74 %  !!   -  variable interest rate   3,30 % 

10 years                3,27 %  !!

15 years                3,32 %  !!

20 years               3,36 %  !!

25 years               3,44 %  !!

Advertising message for promotional purposes.

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.