While the Italian industry continues to report negative data, with confidence indices down (in particular SMEs, which measure managers’ purchase intentions and have all been stationed, for at least three quarters, below the 50 point threshold, since it indicates contraction), consumption seems to have remained the only support for GDP growth.
Then the minus sign detected by Crif in his latest Barometer could trigger the alarm: in September, requests for personal loans were down by -1.0%. “In this regard – Crif writes – it should be highlighted that the last negative variation dates back to February 2016 so it will be interesting to check with the next surveys whether it is an occasional braking or a real turnaround”.
Seem to indicate a different long-term trend
Both those in September which indicate an increase in requests (also including finalized loans) of 2.5% year on year, and those of the nine months which place the increase at as much as 7.2%. In September alone, the loans aimed (ie intended for the purchase of goods and services such as cars, motorcycles, electronics and appliances, furnishings, travel), showed an increase of + 5.5%.
The explanation for the drop in personal loans could lie in the words of Simone Capecchi, CRIF Executive Director, according to which “To respond effectively to the needs of consumers, credit companies are developing not only increasingly targeted offers but also fast, simple and click -to-click delivery processes. On the market, those who know how to offer their customers the best customer experience will be a winning element, a very fundamental element for a better positioning in the competitive arena “.
In this race the p2p lending is in pole position
And is already able to offer families the completely digital experience and the lean times with zero bureaucracy that traditional credit providers are still working on. On average, the subjects active in credit have a residual debt of about 33 thousand (down -1.8% compared to the corresponding 2018 survey) by virtue of the still significant weight of mortgages in the Italian portfolio.
Also in the half year, the category of loans most in demand is that of finalized loans, which have a weight of 45.5% of the total. The personal loans, that bind to the planning of families, are second in the standings with an incidence of 32.8%. Finally, mortgages are in third place, with a slice of 21.7% of the total.
On the contrary personal loans abound
Overall, the region with the highest share of the adult population with at least one active credit ratio was Tuscany, with 44.2% of the total, which precedes Sardinia (with 43.2%) and Friuli-Venice Giulia (with 42.9%). Lazio (with 42.3%) and Valle d’Aosta (with 41.8% of the population) follow. At the opposite extreme of the national ranking is Trentino Alto Adige, a region in which only 20.2% of the population appears to have at least an active credit relationship, preceded by Basilicata (with 32.1%) and Molise (with 33.8%).