Home loan? You choose by chatting with AI

Choose a mortgage by conversing with the agent, asking him or her precise, personal and detailed questions. Axel is available, 24 hours a day, the first mortgage conversational assistant in Italia based on the artificial intelligence of Mutuisupermarket's ChatMutuo platform, which allows the user to interact in real time via a chat panel and obtain clear and complete information on every aspect of the mortgage.

In particular, ChatMutuo AI (available at the dedicated page www.chatmutuo.ai or at www.mutuisupermarket.it/chatmutuo-ai) as well as allowing the comparison of the best mortgages gives immediate access to a feasibility opinion of the desired mortgage, provided by an expert advisor. ChatMutuo AI is available to users free of charge and answers simple questions. For example: how much can you save with green mortgages and what are the requirements for obtaining one? I earn EUR 1,700 per month, what mortgage can I afford? Calculate the best instalment for a 30-year mortgage of 140,000 euro at variable rate and compare it with the best instalment at fixed rate. I took out a mortgage in January 2024 of €150,000 at a fixed rate of 3.90%, how much can I save with a subrogation?

"ChatMutuo," said Stefano Rossini, administrator and founder of MutuiSupermarket.it, "has a twofold objective: on the one hand, to provide the consumer with a usable and simple tool for financial education and in-depth analysis, and on the other, to facilitate an informed and personalised mortgage choice, guaranteeing immediate access to the best offers on the market, updated in real time. Moreover, the latest survey conducted by Nomisma and MutuiSupermarket shows that 69% of Italians say they would like to use new-generation AI-enhanced mortgage comparators. A percentage that increases among university graduates and those under 36.

In these same days, on the other hand, Immobiliare.it Mutui announced the launch of a new service entirely dedicated to real estate agencies, which allows them to integrate, in their offer, customer support in accessing the mortgage through a completely digital and free process. In practice, the service allows agents to: support customers in starting the process of choosing a mortgage among the best offers from credit institutions; achieve a timely understanding of the feasibility of the practice; offer a new and additional free service. At the agencies' disposal will be: dedicated account managers; a digital platform for managing requests; constant monitoring of the status of practices; a dedicated fast track on mortgage practices; and direct support via WhatsApp.

"The system," explained Carlo Giordano, co-founder of Immobiliare.it, "involves processing a large flow of profiled data on the client and receiving periodic updates that allow us to follow the evolution of the client's life and the necessary adjustments in relation to macro-economic changes, such as rate increases and cuts, inflation, etc. The goal, customised quotes that always take into account changes in real time'.