How much you save on mortgages after the cutting of the rates by the ECB

For analysts of the mortgage market, the new 0.25% rates cut operated by the ECB is good news, with the amount of installments and interests destined to descend. Mortgages rates have already decreased to an average of 3.23% in November, Fabi detects, compared to average levels exceeding 5% in 2023 and could drop below 3%.

A reduction that will involve, in the case of a 25-year real estate loan of 200,000 euros, a total saving of almost 83,000 euros (-22.8%). A 25,000 euro car bought entirely in installments, with a 10-year loan, estimates Fabi, will cost over 11,871 euros less (-24.2%) compared to 2023; While for a 750 euro washing machine, with a 5-year credit, the savings, in the coming months, will be 170 euros (-15.4%).

Mutuionline also notes that EURIBOR rates at 1 and 3 months have already begun to drop over the first weeks of 2025 and are destined to fall further following the officer of the cut by the ECB.

For those who choose the variable rate mortgage, a benefit of installments up to 19 euros lower than today are estimated, for a total saving up to 4,700 on the interests of a 150,000 mortgage lasting 20 years. Matteo Favaro, Managing Director and COO of Mutuionline.it, comments: “Currently, the fixed rate is predominant on the market thanks to a one more competitive one, but already in the second half of 2025 you could get to a rebalancing with the variable, offering To consumers an even wider range of options “.

The Codacons instead calculates that for a mortgage to 20 years of amount between 100 thousand and 200 thousand euros, the saving on the monthly installment varies between 13 and 27 euros, equal to a lower annual expenditure between 156 and -324 euros. If the loan lasts 30 years, the cutting of the rates of 0.25% will produce an average saving between 15 and 30 euros on the monthly installment, between 180 and 360 euros per year.

For a mortgage of 125 thousand euros to 25 years, however, a similar cut translates into a saving of about 17 euros per month, with an impact of 204 euros on an annual basis.

By Editor

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