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Home loans, youth and casual workers do not even try

One thing was known: Italy is not a country for young and insecure. But there is a more disturbing element that emerges from the latest figures released by the Centre Supermoney, the research center sponsored by Supermoney, the first portal of comparison of bank products like mortgages and loans, insurance products and utilities: young Italians have lost hope. There is no longer even try to apply for a mortgage to buy a house.

According to the Centre, based on loan applications submitted in the last six months compared to the division of Supermoney home loans only mortgage is applied for every twenty by a person with no employment contract of indefinite duration. Entering in more detail, in 4% of cases we are faced with people with a fixed-term employment contract, to which add 2% of users with a contract of employment as "atypical." Nomisma According to the latest report on housing conditions in Italy, 7% of households with a loan has a head of household in poor working conditions or unemployment compensation: numbers that are then largely confirmed by surveys in Supermoney Centre, whose Data refer to the situation but only at the request of the contract.

The taste of analyzing data does not change the age of applicants: between those who have decided to take out a mortgage online only 30% is under 35. These include the percentage of loans taken by workers with atypical contracts rose to 16% of the total. It is a number significantly different than that found by the ISTAT in its latest study on income and living conditions. The institute of statistics in fact noted how families and singles under 35 years of a mortgage were activated 54% of the total in 2008: almost double the figure online.

"This is the result of the crisis which has invested between 2009 and 2010 Italian families - says Andrea Manfredi, CEO of Supermoney - The recession has hit most of his workers not indefinitely, ultimately affecting their ability to buy a house. It is no coincidence that the growing phenomenon of parents seeking a loan for their children. "

Although atypical workers with temporary contracts that trigger a mortgage is still a small percentage of the market, more than one bank is moving to deliver products aimed at this clientele: Monte dei Paschi, Intesa San Paolo and ByYou offer the loans in their precarious and young people. 'It is a positive sign - Manfredi concludes - and demonstrates the increasing attention of the world of credit toward a group of users who have not yet adequately served. "