Male, 35 years old, employee, good financial culture. This is the average user of online channels that sell mortgages for the purchase of a house.
Although it was born recently, the Internet sales channel is enjoying good success, so much so that many traditional banks have decided to open sites with advantageous mortgage offers. Without forgetting those - such as specialized banks (Ing direct, Banca per la casa or Banca Woolwich) and online brokers (MutuiOnline, Telemutuo and others) - have considered it a real business.
«There is a habit of thinking that the mortgage cannot be taken out online - claims Christian Miccoli, general director of Ing direct Italia -. We want to undermine this idea" Today the weight of this channel is 2-3%, but operators predict that it could even reach 7 percent.
«Some still have a certain distrust of the Internet. And this limits the faster growth of the competition - says Roberto Anedda, marketing director of MutuiOnline -. Our daily number of users reaches 15 thousand contacts. And among these we find private individuals who are looking for more information and then present themselves at their bank, hoping to obtain greater discounts. Others, however, also turn to us because they know they can find independent consultancy and better offers compared to traditional ones".
«At the beginning the online channel represented less than 1% of our mortgages. Today it affects 12% of the volume of financing disbursed", underlines Stefano Bellini, marketing director, products and remote channels at Woolwich.
A growth that is also supported by lighter instalments. «The economic convenience - states Pasquale Giamboi, CEO of Banca per la Casa - is given by the fact that, in our case, there are no bank charges or preliminary investigation costs; Furthermore, there is a saving on the installment spread, which is 22% lower on short-term durations (10 years) and 27% lower on medium-long term durations (30 years)". For other institutions the costs remain but are on average more convenient than those that would be obtained using the traditional channel.
As regards the choice, subscribers via the internet have mostly opted for the variable rate. «Although compared to previous years there has been a rebalancing towards fixed rate mortgages, primarily due to the dynamics of rates», concludes Anedda.
source: Sun 24 Hours
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