The month of June just concluded confirms the good health of Italian credit, which records a positive trend for all the main indicators, in particular on an annual basis. Compared to twelve months ago, the performance of the real estate mortgages (+43.22%) and Buy Now, Pay Later (+42.74%). These are some of the data highlighted by “Credit relationship” by Experian, Global Data Tech Company, for the month of June. They also grow, always on an annual basisrequests for personal loans (+13.63%), with the only exception represented by the loans aimed slightly decreasing (-3.88%). The credit is made in more and more modern parallel, with an increase by customers in the use of digital channels of +6.78%.
Italian credit in good health
The comparison with Maggio instead marks a more controlled trend: the positive trend once again of the BNPL (+4.40%on a monthly basis), is partially balanced by the slight decreases recorded in the same period by finalized loans (-0.52%), personal loans (-1.47%) and real estate mortgages (-1.07%).
The numbers
In particular, for mortgages, the stabilization of interest rates favored young people between 18 and 29 years (generation Z) whose requests recorded the most positive values, with +9.97% compared to May and even +90.22% compared to last year. A phenomenon, this, which highlights a renewed trust in the real estate market in 2025, probably favored also by the descent forecasts for interest rates highlighted in the latest ABI report. On a geographical level, it is the North West to mark the best trend in the last month, with +3.45% compared to May, while the comparison with last year is positive for all geographical areas.
The role of Gen Z
“Our June analyzes highlight the good health of the Italian credit, which is confirmed in a state of CHigh evolution and dynamism. The stabilization of interest rates may have contributed to rekindle the real estate market, with an important contribution by the Gen Z which is active and confident in the purchase of the house. Another noteworthy aspect is represented by the growing diffusion of the BNPL, now a consolidated credit tool, used by consumers of all kinds and age group. In this scenario, accessing increasingly complete and updated data in order to better respond to the requests of potential customers is a fundamental element for those who offer financing services. Strengthened by a rich, varied and constantly expanding data heritage, of cutting -edge analytical skills and specific skills gained over the years, Experian is able to support operators in the most effective way, allowing them to always and at any time access the insights necessary to grow their business “, underlines Armando Capone, cEO of Experian Italia.
