Home loans are increasing

The structure of Italian consumption changes very slowly, but in recent years the costs for housing (from furniture to renovation) have undergone a big growth. This is what emerged from the latest ” Consumption and Prices ” analysis published by the LightUs Commerce Research Office .
The figure is not so “disconcerting” given the evolution of home financing, made much more accessible and with very convenient conditions.


How have Italians’ expenses changed in the past 20 years according to the LightUs Commerce report?

How have Italians

The analysis carried out by LightUs Commerce took into consideration a huge period of time. The period in question is the one from 1995 to 2017 . What emerged was in all respects an inverse trend: while before, 20 years ago Italians spent more on food and clothing (-4.5% compared to 20 years ago), now the focus is it has been moved elsewhere: part of the income is used punctually for household expenses (+ 5.5% compared to 20 years ago), from the purchase of a new piece of furniture to ordinary or extraordinary interventions.


Family budget: change of destination towards household expenses

Family budget: change of destination towards household expenses

In the past 22 years analyzed by this investigation, there has been a profound change in every aspect of daily reality that has affected society, changing its habits. If on the one hand in the clothing sector you spend less, also because important “players” have come into play who have torn and conquered their own market share by playing on competitive price policies, on the other in all that concerns new technologies family expenses have increased. For example, always in the field of home, a new market was born, that of ” home automation “, of the ” smart home “, of the intelligent and robotic home. More and more families allocate part of their income or ask for loans to innovate within their home walls.

Another aspect, totally different, but interesting to report is that of the growth of personal health expenses. The latter phenomenon is directly related to the increase in the average age of the Italian population. The confirmation of this comes from another analysis, published by Gtk, on ​​the “new seniors”. Over 13 million Italians are between 55 and 75 years old. Of these, around 20% are considered an “active senior”: they care more, play sports, travel and constantly innovate their main home. More advanced also in terms of technology, they use smartphones and tablets daily. To fulfill their wishes in old age they also ask for loans online or seek loans for pensioners directly on the internet.

What are the easy loans to get?

More and more people are looking for easy loans, however, the concept of “ease” should not be misunderstood. The adjective “easy” in this case should not be understood as the possibility of obtaining funding quickly and without checks because it is absolutely not so. Regardless of the type of loan that will be requested, all the necessary documentation must be presented to the bank or the credit institution to which it is addressed. In fact, you cannot grant liquidity if you present yourself without a paycheck and therefore without any guarantee.


Online financing: among the easy to obtain loans

Online financing: among the easy to obtain loans

If you are looking for easy loans, you cannot find a better solution than online loans. In fact, online loans allow you to request quotes and assessments of your credit situation very quickly. An optimized investigation process therefore allows faster times even in the disbursement of credit to the user.

During the evaluation phase, each credit institution will also evaluate the customer’s past credit situation to assess the presence of any outstanding payments, delays or other negative events.


And if you are labeled “bad payers” how can you proceed?

credit loans

Here is how the discourse between a not so rosy credit history and the search for easy loans to get end up intertwined. Often, in fact, we tend to consider “easy” those loans that can be granted to anyone regardless of their “financial criminal record”.


Is there an “easier” form of financing for bad payers?

There is in effect a more accessible form of loan for bad payers, but this does not cancel the premises made at the beginning of this article. It is clear that even a person who is considered bad payer on behalf of some financial companies, will have to present guarantees when he re- submits an application for a loan.

Among the various types more easily declined even to users considered bad payers there is, for example, the transfer of the fifth which allows to obtain high amounts to be returned with an installment equal to a maximum of one fifth of the pension or net salary.