Mortgage Rate Aggregator 2024 - 12 Italian Banks
Compare TAEG, TAN, monthly and total interest rates for Intesa Sanpaolo, Unicredit, Banco BPM, ING, WeBank and other seven banks: fixed, variable and mixed. No client-tracking cookies.
Mutual Parameters
Offers 12 Banks - Rate Snapshots 2026
| Bank | Tan% | Tag% | Rate/monthly rate | Total Interest | Maximum LTV (Loan to Value) | Approve in advance. | Notation |
|---|---|---|---|---|---|---|---|
| ING Italia | 2.95% | 2.96% | 1,104 €/month | 65,008 € | 80% | instant | Rata 1104€ supera il 30% del reddito mensile netto |
| Webank | 3.00% | 3.02% | 1,109 €/month | 66,208 € | 80% | 24h | Rata 1109€ supera il 30% del reddito mensile netto |
| Hello Bank! | 3.05% | 3.07% | 1,114 €/month | 67,410 € | 80% | 24h | Rata 1114€ supera il 30% del reddito mensile netto |
| Crédit Agricole Italia | 3.05% | 3.08% | 1,114 €/month | 67,410 € | 85% | 24h | Rata 1114€ supera il 30% del reddito mensile netto |
| Banco BPM | 3.10% | 3.13% | 1,119 €/month | 68,615 € | 80% | 48h | Rata 1119€ supera il 30% del reddito mensile netto |
| Intesa Sanpaolo | 3.15% | 3.18% | 1,124 €/month | 69,825 € | 80% | 48h | Rata 1124€ supera il 30% del reddito mensile netto |
| UniCredit | 3.20% | 3.23% | 1,129 €/month | 71,039 € | 80% | 48h | Rata 1129€ supera il 30% del reddito mensile netto |
| BPER Banca | 3.25% | 3.28% | 1,134 €/month | 72,254 € | 80% | manuale | Rata 1134€ supera il 30% del reddito mensile netto |
| Banca Mediolanum | 3.30% | 3.32% | 1,139 €/month | 73,473 € | 80% | 24h | Rata 1139€ supera il 30% del reddito mensile netto |
| BNL - BNP Paribas | 3.40% | 3.43% | 1,150 €/month | 75,921 € | 80% | 48h | Rata 1150€ supera il 30% del reddito mensile netto |
| Monte dei Paschi di Siena | 3.45% | 3.48% | 1,155 €/month | 77,150 € | 80% | manuale | Rata 1155€ supera il 30% del reddito mensile netto |
Differenziale TAEG tra banca più economica e più cara: 0.52%
Come utilizzare
Inserisci importo e durata
Specifica il capitale richiesto (importo mutuo, non prezzo immobile) e la durata in anni. La durata impatta significativamente rata mensile vs totale interessi: 20 anni è il punto di equilibrio tipico.
Imposta LTV e finalità
Il Loan-To-Value (LTV) è il rapporto importo/valore immobile. Sopra l'80% molte banche applicano maggiorazioni o rifiutano. Per surroga inserire LTV residuo. La finalità esclude alcune banche (es. liquidità non supportata da banche digitali).
Scegli tipologia di tasso
Fisso: rata certa per tutta la durata, ideale per pianificazione. Variabile: indicizzato Euribor 3m + spread banca, oggi competitivo ma soggetto a rialzi. Misto: fase fissa iniziale poi variabile.
Inserisci reddito mensile netto
Le banche applicano la regola DTI 30%: la rata non deve superare il 30% del reddito netto mensile. Inserisci il reddito per vedere le banche dove la rata risulta sostenibile secondo questo criterio.
Confronta TAEG, rata e totale interessi
Clicca sulle intestazioni di colonna per ordinare. TAEG (più basso = meno caro overall). Rata (minimizza l'esborso mensile). Totale interessi (costo reale del denaro). Considera il tempo di pre-approvazione se hai urgenza.
Domande frequenti
Difference between TAN and TAEG in mutual?
Annual Nominal Rate is the pure interest rate applied to capital. The Annual Effective Global Rate includes the nominal annual rate plus mandatory annual expenses (registration, appraisal, insurance). The Annual Effective Global Rate is the actual cost of financing and should be used for comparing different offers.
What is LTV and why does it impact interest rates?
Loan-To-Value (LTV) = loan amount / property value x 100. An LTV of 80% means the bank finances 80% and you cover 20% with a down payment. Lower LTVs = lower risk for the bank = more favorable spreads. Above 80% many banks require PMI insurance or apply higher interest rates.
Does it make sense to fix or vary in 2026?
With Euribor 3m at 2.45% (Apr 2026) and further BCE cuts expected, the variable is competitive in the short term. Fixed offers certainty of payment throughout. Practical rule: if the variable is more than 0.5% below the fixed, it may be worth taking a risk; below 0.3%, the fixed is preferable for stability.
How does it work?
The surrogacy (mutual portability, L.40/2007) allows transferring the mortgage to another bank at zero cost for the borrower. The new bank pays fees. It is not possible to increase the remaining capital or modify the term. Convenient when the market rate drops > 0.5% compared to the existing contract.
What is the rule for DTI of 30%?
Debt-to-Income ratio: Total monthly financing payments (loans + mortgages) should not exceed 30% of the household's net monthly income. Some banks reach up to 35%. Exceeding this threshold does not necessarily mean automatic denial, but requires additional guarantees (co-signer, surety).
Why are bank digital rates lower?
Banks like ING, Webank, and Hello Bank offer lighter structures with no physical network extension and lower or reduced setup costs. The advantage is more pronounced for solid credit profiles (low LTV, stable income). Traditional banks may be more flexible in evaluating borderline profiles.