In short
At 3.8%, the ECB average for Italy on new housing loans fixed for over 5 up to 10 years (August 2026), a €200,000 loan repaid over 25 years costs €1,034 a month. One more point of interest adds €112 a month on that loan. The rate shown is the agreed rate; the APRC (TAEG) adds the costs of the loan, and a prima casa loan also pays a substitute tax of 0.25% of its amount.
Monthly payment at 3.8%, by loan and term
| Loan | 20 years | 25 years | 30 years | 35 years |
|---|---|---|---|---|
| €200,000 | €1,191 | €1,034 | €932 | €862 |
| €300,000 | €1,786 | €1,551 | €1,398 | €1,293 |
| €400,000 | €2,382 | €2,067 | €1,864 | €1,723 |
Calculation with the formula above at the ECB average agreed rate for Italy on new housing loans to households fixed for over 5 up to 10 years (August 2026; 3.79% in July 2026). Other fixation periods, same month: variable or fixed up to 1 year3.37%; fixed over 1 up to 5 years3.8%; fixed over 10 years3.6%; all fixation periods3.55%.
Before you borrow
General information drawn from the official sources cited and dated on this page. It is not legal, tax or financial advice: for your own situation, ask a licensed professional.
Sources
- European Central Bank, MFI interest rate statistics (MIR), Italy (compiled by Banca d'Italia): annualised agreed rates on new loans to households for house purchase, by initial rate fixation period (ESCB statistics) (Source: European Central Bank (ECB Data Portal). Free use provided the information appears accurately and the ECB is cited as the source.).