More than one in three households seek green mortgages for an A or B energy class home

"Interest in Green Mortgages and the associated concessions is growing steadily in the first quarter of this year. More than one in three households are looking for a house in energy class A or B, which, among other things, gives them access to mortgages with discount rates of up to 1%. At the same time, only 1 in 10 do not consider energy class a decisive criterion in their choice'. This is what emerges from the latest Borsino mutui acquisto casa, the observatory curated by MutuiSupermaket.it and Nomisma that offers a comprehensive analysis of the subject of mortgages in relation to the purchase of a first home.
In practice, there is a growing interest in green mortgages, dedicated to solutions in energy class A or B, which provide access to subsidised rates: 37% of the families surveyed are looking for a green property, while 28% are looking for a house to renovate with energy efficiency measures to make it "green".

Over the course of the year, forecasts see the real estate market returning to gradual growth, partially held back by banks' prudence in granting credit and by operators' caution in the face of an environment characterised by great uncertainty and volatility. After the slowdown in 2023, with a -9.5% drop in purchases and sales compared to 2022, due to the difficult economic conditions and the end of the positive post-pandemic boost, transactions are expected to recover in the next three years, with a particularly significant recovery in 2025, around +7.8% compared to 2024. At the same time, thanks to falling rates, confidence is growing and more and more households are deciding to buy a house by taking out a new mortgage. In the fourth quarter of 2024, the share of residential sales financed with a mortgage was around 41.5%, after having reached a low of 37.0% in the fourth quarter of the previous year 2023.

In H2 2024, 43% of total home loan applications collected through the online channel came from the Under 36 segment. In contrast, applicants aged between 36 and 55 accounted for around 50% of total applications.

According to the MutuiSupermarket and Nomisma survey of families planning to purchase a home, 76% will opt to take out a purchase mortgage in the next 12 months. This trend is particularly marked among young people aged between 18 and 34, among whom the percentage rises to 85% due to a lower availability of savings and the need to support the purchase by spreading the financial commitment over a long period of time. At the same time, 39% of households planning to buy a home with a mortgage will do so for the purchase of their first home.

Among the main factors influencing the propensity to take out a mortgage, interest rate trends are confirmed in first place, considered very important by 47% of the households surveyed. Only 28% of the sample considered facilities crucial for the under 36s, a share that rises to 44% among young people themselves, for whom facilities represent the key element in their choice of mortgage. This category is also the one most interested in financing a substantial portion of the property value through a mortgage.
In comparison with the previous Borsino survey, the share of households interested in buying a new house also increases from 29% to 34%.