Six out of ten Italians (59.6%) have bank debt, up 13.1% from last year. Mortgages account for 23.6% of all loans in Italy, while personal loans make up 29.3%. The most prevalent form of credit, which comprises 47.1% of the total, is loans for the acquisition of products and services, including cars, motorcycles, electronics and appliances, furniture, and travel. The most notable loans among these are those for accommodation (34.9%), transportation (30.2%), and electronics and appliances (20%). In the first half of 2025, Italians repaid an average monthly payment of €278, which was practically unchanged from the previous year. The outstanding balance—the total amount still owed in order to pay off debts—stands at 31,637 euros, down 10% from the first half of 2024. The average mortgage payment remains consistent at just under 600 euros.