The cost of credit for businesses differs by 1.89% between Calabria (5.68%) and Valle d’Aosta (3.79%). A company in Calabria pays €33,000 more than one in Valle d'Aosta for a €300,000 10-year loan. This reflects the financial “apartheid” affecting Southern Italy, as reported by Censis. The most advantageous terms for loans granted to families for periods exceeding one year and up to five years will be found in Emilia-Romagna (4.20%), Trentino-Alto Adige (4.40%), and Lombardy (4.75%) in 2024. These regions' loan costs are substantially lower than the national average (5.08%). A Calabrian family seeking for a €50,000 loan repayable over five years will pay up to €2,300 more than a family from Emilia-Romagna.