Total outstanding residential loans | Italy – yearly data, chart and table

Total residential loans on lender’s books at the end of the period. The definition of residential loans can vary somewhat across EU27 countries, depending on the collateral system and the purpose of the loans. Some countries only integrate secured residential loans, while some others include both secured and non-secured loans. In some countries, this collateral is generally the property, whilst some others favour a system of personal guarantees. Regarding the purpose, a few countries exclude residential loans whose purpose is above all commercial (such as purchasing a building to let). In addition, there are some methodological differences across EU27 countries regarding the statistical treatment of loans made for renovations of existing dwellings: under some assumptions, some of these loans can be considered as consumption loans.The conversion to EUR is based on the bilateral exchange rate at the end of the period (provided by the European Central Bank). Japan: The outstanding balance of commercial loans is of major and regional banks and credit unions, which covers only rental houses that are constructed by individuals. The data are available only from FY2009. No other statistics are available for this category. The Japanese Fiscal Year starts from April to March.