In the first nine months of 2026 households applied for 5.9% fewer mortgages than in the same period of 2025, according to the Crif Barometer released on 19 October. 2025 had been a year of strong growth.
The biggest factor is switching, that is mortgages moved from one bank to another: in the first half of the year it fell 42.4%. With rates rising again, switching pays less.
The trend was uneven: the sharpest fall in March (−12.1%), a recovery in August (+7.1%), and a minus sign again in September (−1.3%). The average amount requested is 153,711 euros, 0.6% less than in 2025, and more than half of applications (51.2%) are for terms longer than 25 years.
| Indicator | Value |
|---|---|
| Applications, January to September 2026 on 2025 | −5.9% |
| Switching, first half of 2026 on 2025 | −42.4% |
| Month of September | −1.3% |
| Average amount requested | €153,711 |
| Applications for more than 25 years | 51.2% |
Source: Crif Barometer, reported by Teleborsa and Monitorimmobiliare on 19 October 2026.
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Sources
Where the data, rules and figures quoted here come from.
- 1.Barometro Crif (Teleborsa, 19 ottobre 2026)
- 2.Crif: mutui, domanda in calo del 5,9% nei primi nove mesi del 2026, Monitorimmobiliare · accessed on 1 November 2026