Il 2024 si è confermato un anno di trasformazione per il mercato immobiliare in Italia, contrassegnato da sfide significative e da nuove opportunità. In questo contesto, l’inflazione ha avuto effetti notevoli, dando origine a mutui più bassi e case più costose, un paradosso che merita di essere esplorato in dettaglio.
L’inflazione e i mutui: un legame complesso
Tradizionalmente, un aumento dell’inflazione porta a una diminuzione del potere d’acquisto, causando potenzialmente un abbassamento dei prezzi degli immobili. Tuttavia, è stato il rallentamento dell’inflazione a dare il via a una ripresa del settore immobiliare nella seconda metà del 2024. In questo scenario, l’aumento del costo delle abitazioni è, paradossalmente, andato di pari passo con una minore capacità di spesa media degli italiani.
Questa evoluzione è stata dettagliatamente analizzata nel rapporto Data Hub Real Estate, redatto in collaborazione tra Remax Italia e Yard Reaas. A dicembre 2024, l’inflazione in Italia si attesta all’1,4%, ben al di sotto della media dell’Eurozona. Questo calo ha stimolato la Banca Centrale Europea (BCE) a rivedere la propria politica monetaria, riducendo i tassi d’interesse e rendendo i mutui più accessibili. I mutui a tasso variabile, in particolare, sono diventati molto più competitivi, generando un crescente interesse da parte dei consumatori.
Un anno diviso in due sul fronte immobiliare
Il 2024 si è caratterizzato per una netta divisione in due fasi: nella prima metà, l’andamento del mercato residenziale è stato frenato da un’inflazione percepita come elevata e da tassi d’interesse ancora alti, portando a una stagnazione nelle compravendite. Contrariamente, il secondo semestre ha visto una ripresa, grazie alla riduzione dei tassi che ha incoraggiato una maggiore fiducia dei compratori. Questo ha innescato una crescita nelle operazioni di acquisto, soprattutto nel Nord Italia, dove la domanda ha mostrato una vivacità senza precedenti.
Aumenti nei prezzi immobiliari: analisi regionale
Nel confronto con il tumultuoso 2023, il 2024 ha visto un ritorno alla crescita dei prezzi, in particolare nelle regioni come Liguria, Veneto e Abruzzo, dove si sono registrati incrementi superiori al 10%. È evidente che l’inflazione non ha spinto verso il basso i valori immobiliari; al contrario, il suo calo ha liberato energie nel mercato, permettendo ai prezzi di risalire.
In conclusione, l’interazione tra mutui più bassi e la dinamica dei prezzi delle case si rivela complessa e articolata. Se desiderate saperne di più su come il trend attuale possa influenzare le vostre decisioni immobiliari, clicca qui per approfondire.
Per ulteriori informazioni, potete anche scoprire come Freedhome possa supportarvi nel navigare il mercato immobiliare odierno, scopri come funziona Freedhome.
Fai clic qui per altre notizie, consigli e strategie inerenti il mercato degli affitti brevi in Italia: al nostro sito.
Email marketing is an incredibly powerful tool for connecting with diverse audiences. However, maintaining fresh and personalized content for each campaign can be challenging. This is where content automation becomes essential. By leveraging innovative tools and strategies, marketing managers can efficiently deliver engaging emails at scale without crafting each message from the ground up.
In this article, we’ll explore content automation, its significance, and how marketing managers can leverage it for more impactful results with reduced manual effort.
Understanding Content Automation
Content automation involves using technology to create, schedule, distribute, and personalize content with minimal manual input. This approach allows companies to engage their audience at the right moments, freeing marketing teams to focus on strategic and creative endeavors.
In the realm of email marketing, content automation involves setting up rules and workflows to send tailored messages. These can include welcome emails, abandoned cart reminders, or product recommendations driven by customer behavior and segmentation.
The Benefits for Marketing Managers
Content automation significantly enhances efficiency and enables personalization on a grand scale. Automation can tailor content to individual subscribers based on demographics, behaviors, and preferences. This ensures consistency, boosts engagement, and improves return on investment (ROI) by delivering personalized, well-timed emails.
Implementing Automation in Email Marketing
1. Initiate an Automated Welcome Series
Introducing new subscribers to your brand through an automated welcome series is crucial. Automated welcome emails help make a strong first impression and showcase your brand’s values and offerings.
How to Automate:
Send the first welcome email immediately after signup.
Follow up with exclusive discounts or product recommendations.
Include a call-to-action like “Follow us on social media.”
Automated abandoned cart emails offer an opportunity to reclaim lost sales. When customers leave items behind, automation triggers follow-up emails to remind them to complete their purchase.
Best Practices:
Send the first reminder promptly after cart abandonment.
Include product images to personalize the message.
Offer incentives like discounts or free shipping.
Implement a sequence of 2-3 emails for maximum recovery potential.
3. Personalize with Dynamic Content
Dynamic content customizes email sections automatically based on recipient data. Use automation tools to personalize emails according to location, preference, or interaction history.
Examples:
Display weather-specific product suggestions.
Add personalized greetings, like “Hi, Alex!”
Tailor product recommendations to previous purchases.
Automation isn’t a set-it-and-forget-it solution. Regularly analyze performance metrics to ensure effectiveness.
Optimization Tips:
Conduct A/B testing on subject lines and content.
Review unsubscribe rates and adjust frequency as needed.
Refresh dynamic content to keep it appealing and pertinent.
Content automation is essential for marketing managers aiming to save time, increase personalization, and achieve superior outcomes. By embracing this powerful tool, marketers can ensure their email campaigns remain consistent, engaging, and successful. Click Here For More Email Marketing tips and strategies.
Exploring the surge in Trump branding opportunities can reveal lucrative avenues for individuals aiming to leverage the former president’s iconic influence. Trump’s name, already iconic on towers and golf courses, now faces a potential expansion into every corner of American life. Interestingly, some lawmakers are discussing various proposals to integrate Trump’s brand into more aspects of daily life, from currency to public transportation. At first glance, these initiatives might appear purely symbolic, yet they are accompanied by potential financial implications worth exploring. Below are some strategic proposals to consider for capitalizing on this branding phenomenon.
Understanding the Trump Branding Boom
The proliferation of Trump branding opportunities is not limited to established ventures. Lawmakers suggest innovative ideas like adorning the $100 bill with Trump’s face or naming metro stations after him. Such proposals, while politically charged, could open new doors for businesses willing to engage this dynamic market. Moreover, the cultural resonance surrounding Trump provides a unique chance to capture consumer interest. Each suggestion has implications that go beyond politics, potentially influencing economic landscapes in unforeseen ways. As you delve deeper, you’ll see how these opportunities offer unmatched leverage.
Cashing In: Strategies for Success
Finding ways to navigate the Trump branding boom requires strategic insight and adaptability. For example, businesses can consider unique partnerships or marketing campaigns that align with these branding opportunities. One potential strategy is creating memorabilia or themed products that resonate with Trump’s image. Additionally, businesses might explore offering services or experiences that echo the grandeur associated with the Trump brand. By understanding the nuances and potential of these proposals, entrepreneurs can position themselves to benefit financially while remaining aware of potential controversies.
Real-Life Implications of Trump Branding
The impact of Trump branding opportunities extends beyond mere aesthetics. Each proposed initiative might carry broader economic effects. For instance, rebranding public infrastructure could stimulate local economies by attracting tourism or investment. Furthermore, aligning with Trump-branded ventures might yield substantial returns, particularly for businesses that navigate the cultural aspects effectively. As these initiatives unfold, staying informed and strategically positioning oneself could lead to significant financial advantages.
The gig economy is thriving, and more individuals are engaging in side hustles than ever before. Whether it’s freelance design, blogging, managing an online store, or diving into affiliate marketing, earning additional income online is becoming the norm. This extra revenue stream can be especially beneficial if you’re dealing with unpaid debts or if your primary paycheck is reduced due to wage garnishment. But the pressing question is: can debt collectors seize your side hustle earnings too?
Wage garnishment is a legal mechanism used to collect unpaid debts directly from your paycheck. Your employer withholds a portion of your earnings, sending it directly to the court. Eventually, it reaches your creditors. This process usually requires a court order, although some jurisdictions allow garnishment for unpaid taxes without one. Beyond taxes, wage garnishment often targets unpaid credit card debts, fines, or child support.
Can They Reach Side Hustles?
Initially, it might seem that your gig income is beyond reach. However, without a traditional employer to comply with garnishment orders, creditors may pursue your side hustle funds using different strategies:
Court-mandated payments: Creditors can request legal action to access your freelance income.
Bank levies: Depositing your side hustle earnings into a personal account may expose them to freezing.
Payment platform freezes: Platforms such as PayPal or Stripe might be targeted following legal steps.
Regional Regulations
Laws vary widely by location. In the US, for instance, generally up to 25% of disposable income can be garnished. Nevertheless, some states, like Texas and Pennsylvania, prohibit garnishment for consumer debt entirely. In Canada, limits differ as well; Ontario allows garnishment of 20% of gross wages, while in Nova Scotia, the threshold is 15%. A court order may adjust these percentages based on specific situations. For more detailed information on garnishment laws, you can refer to resources like this Texas debt collection guide.
Protecting Your Side Hustle Earnings
To safeguard your side hustle income, consider these effective tactics:
Separate business and personal finances with dedicated accounts.
Use a business account for receiving side hustle payments.
Establish a limited company, such as an LLC, to create a legal separation of personal and business finances.
Maintain detailed records of all transactions and business expenditures.
Consult a debt advisor for early intervention.
Familiarize yourself with local debt collection laws and regulations.
Conclusion About Debt and Hustle
Debt collectors might find it challenging to claim your freelance earnings compared to a salaried job, but they can still target them under certain conditions. Staying informed on your rights and regional laws is essential. Open communication with creditors can often prevent escalation. Understanding the intricacies of protecting your side hustle earnings is key to maintaining financial stability.
Act quickly if you’re interested in the Remote Member Support Representative position at Chevron Federal Credit Union! This amazing entry-level opportunity to work remotely is currently accepting applications. Please reach out to the company directly if you experience application issues. We wish you the best in securing your work-from-home role!
Explore a Remote Career with Chevron Federal Credit Union
If you’re ready to step into the role of a Remote Member Support Representative, Chevron Federal Credit Union is calling for applications. As an entry-level opportunity, this position offers a path to assist members through call support by addressing inquiries related to the credit union’s diverse services and products. Responsibilities also include processing transactions and supporting internet and mobile banking needs, such as resetting passwords and addressing bill payment issues. This dynamic role may require outbound service calls, ensuring comprehensive support.
Potential applicants should possess a high school diploma or GED equivalent, alongside 1 to 2 years of experience in a call center, retail, or similar environment. Proficiency in English communication is crucial, coupled with basic computer application skills in a Windows setup. Applicants should also possess moderate keyboard abilities, achieving 40 words per minute.
The salary for this role ranges from $31,464 to $53,251 annually, depending on geographical location and previous experience. Additionally, Chevron Federal Credit Union provides an attractive benefits package, enhancing the appeal of this opportunity.
What You’ll Do as a Remote Member Support Representative
As you engage with members, you’ll be a pivotal point for delivering exceptional service and solutions, engaging actively to understand member needs, and strengthening trust with each interaction. This position is ideal for those with a passion for customer service, demonstrating patience, and effective interpersonal skills.
Key Duties
Manage calls effectively, sharing vital information about membership and services.
Facilitate non-cash financial transactions and perform basic maintenance tasks such as updating member information.
Support online banking needs like password changes and multi-layer authentication adjustments.
Promote Credit Union services, ensuring member engagement with available offers.
Collaborate to resolve inquiries accurately while adhering to service level agreements.
Uphold confidentiality standards and document interactions in our CRM system.
Complete training modules and maintain up-to-date knowledge via internal communications.
Conduct afterhours outbound service calls as required.
Education and Experience Essentials
1 to 2 years’ experience in a call center or similar environment.
High school diploma or GED equivalent.
Equivalent education and experience may substitute stated qualifications.
Desired Skills and Attributes
Strong English communication, both written and verbal, with politeness and empathy.
Competence in basic math and computer applications, including Outlook, Word, Excel, and Zoom.
Sound problem-solving skills with a proactive and responsible approach.
Proven ability to adapt to changing environments and a desire to learn.
Compensation and Benefits
The compensation package reflects experience and location, with zones defining specific pay bands. Full benefit details are available on the Chevron Federal Credit Union Careers page.
Zone 1: $38,728 – $53,251
Zone 2: $35,242 – $48,458
Zone 3: $32,776 – $45,066
Zone 4: $31,464 – $43,264
Benefits include:
Bonuses and incentives for regular employees
An 8% company contribution to the 401(k) plan
Comprehensive medical, dental, and vision coverage
Generous PTO and paid sabbaticals
Tuition reimbursement for continuous learning
Application Process
Note that Rat Race Rebellion serves as an informative job board and does not partake in the hiring processes. Reach out to Chevron Federal Credit Union directly through the application link provided.
### Elevate Your Conversion Game: 36 Landing Page Designs with Expert Secrets
When it comes to crafting a great landing page, aesthetics are only part of the equation. The ultimate goal is conversion, and that’s exactly what these exemplary landing pages achieve. In this post, we’ll dive into 36 stellar landing page examples and reveal conversion secrets gleaned from HubSpot experts.
I’ve curated a collection of the internet’s finest landing pages, including insights from HubSpot’s Channel Monetization and Conversion Rate Optimization teams.
I also tapped into their expertise to uncover the nuances of creating high-converting landing pages. Get ready to be inspired.
#### Understanding Landing Pages
A landing page’s primary purpose is conversion. It might offer a free ebook or a subscription deal, exchanging value for contact details, which can generate leads or sales.
**Lead Magnet Ideas**: Offering free resources such as ebooks, webinars, or checklists related to your industry can entice prospects to engage and potentially become loyal customers.
#### Insightful Examples and Strategies
If a business is selling an AI tool for sales, a landing page offering a free AI training video can engage prospects. Upon finding value in the content, they might be more inclined to respond favorably to subsequent interactions from your sales team.
**Quick Tip**: Enhance your page’s performance by using [HubSpot’s free form builder tool](https://www.hubspot.com/products/marketing/forms) to seamlessly gather leads.
Let’s explore practical applications of these strategies through real-world examples.
### High-Performing Landing Page Examples
#### Lead Magnet Landing Page Examples
**HubSpot’s Social Media Trends Report**: This example is geared towards marketers, offering a “Social Media Trends Report + Expert Panel.” Key features such as direct navigation and expert insights build trust and emphasize value.
**Implementation Tip**: Focus on creating compelling copy that highlights trends while keeping unique insights exclusive to the downloadable report.
**HubSpot’s 40+ AI Tools Guide**: A clean design with a slideshow preview successfully conveys its value. The key lies in addressing specific pain points and providing a glimpse of the offer without over-sharing.
**Implementation Tip**: Match your page content with user intent, reducing friction during the conversion process.
#### Great Landing Page Design Examples
**Airbnb**: This design creates a seamless experience for users to book or gather information, leading to higher conversion potential.
**Implementation Tip**: Ensure easy navigation and interactive elements align with the user’s journey.
**Wix**: With digital illustrations guiding the user, Wix cleverly enhances engagement and directs visitors to action points.
**Implementation Tip**: Use your brand’s color palette to craft a unique identity that resonates visually.
### Conversion Rate Optimization
Continuously monitor and refine conversion rates using strategies derived from data analysis and testing.
**What is a Good Landing Page Conversion Rate?**: According to [WordStream’s analysis](https://www.wordstream.com/blog/ws/2014/03/17/what-is-a-good-conversion-rate), average rates hover around 2.35%, while top performers reach 5.31% or higher.
For more insights and best practices, [Click Here For More Marketing tips and strategies](https://proprofit.co.uk/category/marketing/).
Whether you’re crafting landing pages from templates or starting from scratch, applying these expert strategies will maximize your conversion potential. Remember to test and iterate for continuous improvement.
Un aspetto fondamentale da considerare riguarda i cambiamenti delle normative legali nei vari paesi. Per esempio, a partire da novembre 2024, l’Italia ha introdotto un divieto nazionale sui sistemi di self-check-in. Questa normativa abolisce l’uso di cassette per le chiavi e serrature intelligenti, richiedendo invece la verifica dell’identità dei clienti in presenza per tutti gli ospiti a breve termine.
Per i gestori di proprietà, questo significa che se non puoi incontrare personalmente i tuoi ospiti e raccogliere i loro documenti d’identità, non sei conforme alle leggi locali. Collaborare con uncohost di Freedhome può risolvere questo problema, poiché possono essere incaricati di incontrare fisicamente tutti gli ospiti e verificare il loro check-in.
Per supportare questi nuovi requisiti, esistono strumenti utili comeChekin e Check-in Scan. Questi possono essere utilizzati insieme ai co-host per registrare in sicurezza le informazioni sugli ospiti, completare i controlli dei documenti d’identità e automatizzare l’invio dei dati richiesti alle autorità locali. In questo modo, i gestori possono rimanere sempre aggiornati sulla conformità, semplificando nel contempo il processo.
In un contesto sempre più normato, è fondamentale per i proprietari e gestori di immobili essere proattivi. Collaborare con un co-host di Freedhome non solo garantisce il rispetto delle normative, ma anche un ambiente più sicuro e accogliente per gli ospiti.
Imagine effortlessly welcoming new clients, timely follow-ups, and never overlooking opportunities to highlight your latest offerings. For coaches, packed schedules are typical, but embracing email automation for coaches can reclaim your valuable hours while strengthening client relationships. This powerful tool is simpler and more potent than you might expect.
Managing emails, setting reminders, and consistently adding value can feel overwhelming. However, you’re in luck! Email automation for coaches simplifies these tasks, whether leading group sessions, providing one-on-one guidance, or expanding your online presence. In a few strategic steps, you can automate essential touchpoints and transform them into lasting trust with your audience.
Explore the advantages of email automation for coaches, uncover step-by-step strategies, and learn impactful best practices. In just ten minutes, you’ll gain the insights to nurture your community, save time, and build your business hassle-free.
Understanding Email Automation for Coaches
Email automation for coaches involves setting up automatic email sends based on specific triggers or schedules. This could mean greeting new clients upon sign-up, providing resources right after a session, or sending post-discovery call follow-ups—all without manual intervention each time.
By utilizing platforms such as AWeber, you can create automated workflows—also known as “automation sequences” or “autoresponders”—triggered by client actions or gathered subscriber information. This personalization at scale allows you to focus on coaching instead of repetitive administrative duties.
The Benefits of Email Automation for Coaches Unveiled
1. Time-Saving and Overwhelm Reduction: With a single setup, automate the repetitive tasks—welcoming new subscribers or session reminders. This lets you dedicate more time to coaching and less to administrative chores.
2. Consistent Communication: Automation ensures clients receive the right message at each stage, whether onboarding materials or motivational check-ins, eliminating “Oops, I forgot that email!” moments.
3. Boosted Engagement and Retention: Regularly engaging with clients keeps them invested in their progress. Automated, value-rich emails enhance client accountability and satisfaction.
4. Personalized Client Experience: Through segmentation and triggered automations, tailor emails to different client groups—making each recipient feel special and supported.
5. Business Scalability: Automations grow with your business, whether managing 50 or 5,000 clients. Many top-tier coaches utilize “evergreen” funnels that perpetually promote signature courses.
Email Automation Best Practices for Coaches
Email automation can revolutionize your approach to nurturing leads and clients, but it’s most effective when thoughtfully executed. Here’s a guide to creating successful automations and optimizing every email:
1. Chart Your Client’s Path
Imagine every critical touchpoint in your business. How do people find you? When do they engage? Automate at these points. Examples include:
New Lead: Initiate with a welcome email series sharing values and free resources.
Discovery Call: Auto-confirm appointments and send a pre-call checklist, integrating with tools like Calendly.
Program Purchase: Provide onboarding data and weekly content via automated sequences.
Alumni: Re-engage post-program with feedback emails.
2. Craft Personalized, Actionable Emails
Automated doesn’t mean impersonal. Employ dynamic content to personalize emails with client names and specific goals. Say, “Hi Taylor! Ready to excel in public speaking? Here’s a free worksheet.”
3. Implement Branching Logic for Targeted Messages
Different subscribers require different sequences. With branching logic, tailor your automation based on behavior, interests, or status.
Offer bonus insights to subscribers opening your welcome email
Initiate a discount offer for interested but unpaid product viewers
Celebrate milestones and nurture potential prospects
Branching renders emails smarter, ensuring relevant content for each recipient. This elevates engagement, conversions, and overall subscriber experience.
Setting this up is a breeze in AWeber’s Workflow builder. Simply choose your trigger—whether specific tags, opened emails, or clicked links—to craft seamless automations.
4. Fine-Tune and Optimize Sequences
Even with automated processes, regular review is crucial. Monitor open rates, clicks, and responses. Conduct A/B tests to explore elements like subject lines or email schedules. Use these findings to refine results continually.
With AWeber’s Workflow automation, access performance data effortlessly. Recognize top performers, identify drop-off points, and enhance effectiveness with minimal effort.
Health & Wellness Coach: Automate onboarding with meal planners and fitness guides, then tailor follow-ups based on client tracks.
Business Coach: Launch a free email course to nurture leads, culminating in a consultation offer. Former clients receive mastermind invites.
Life Coach: Ensure clients feel valued with birthday messages and progress prompts, engaging all year round.
Starting Your Journey with Email Automation
Ready to begin? Here’s a straightforward formula:
Identify a goal: Such as “engage new subscribers” or “reduce missed appointments.”
Select your trigger: Options include sign-up, purchase, or date-driven activations.
Plan your sequence: Craft messages—welcome, value, action call.
Automate and review: Launch and monitor weekly. Adjust for optimal engagement.
If you’re new to email marketing, tools like AWeber offer easy drag-and-drop functionalities, enabling swift launches.
Steps Toward Effective Email Automation
Email automation for coaches is a valued asset in thriving coaching businesses. It saves time, supports clients, and turns simple interactions into lasting relationships.
With AWeber, harness Workflow automations for confidence and efficiency.
Workflows offer a streamlined process, mapping client journeys step by step.
Personalize paths using advanced branching logic.
Edit effortlessly—changes are easily managed and published only when ready.
Review email performance with thumbnail views for effortless tracking.
Consolidate everything—emails, logic, timing, all in one view.
Whether you’re welcoming new recruits, following up on discovery calls, or nurturing established relationships, Workflows enable timely messaging without duplicating efforts or complexity.
Join AWeber today to create your first Workflow and discover a seamless way to build high-converting email funnels—ideal for coaches desiring simplicity alongside power.
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Given today’s economic challenges, exploring easy online jobs can supplement your income significantly. Whether you’re employed full-time, running your business, or freelancing, it’s smart to diversify your earnings. Embracing a side hustle that requires minimal effort and can be automated is ideal. Discovering passive ways to make $100 a day online can boost your monthly earnings by at least $2,000 if automated during business days. With a seven-day approach, that figure could rise to $3,000. Let’s delve into some effortless methods for boosting your income.
Milking Extra Income Streams is about striking the perfect balance between effort and output. Here are seven approaches to consider:
Engage in Online Surveys
One simple way to make some extra cash is by participating in paid online surveys. Companies like Swagbucks.com and SurveyJunkie.com reward you with gift cards or money for sharing your views on various topics. The effort is minimal, and the rewards can quickly add up if you dedicate time each week.
Explore Print on Demand Options
Anyone with creative flair can capitalize on print on demand services. If you’ve ever designed graphics that could adorn t-shirts or mugs, platforms like Printify.com and Amazon Merch can bring your ideas to life. By promoting via social platforms such as Instagram, you can boost your sales effectively.
Proofreading and Editing Opportunities
For those with an eye for detail, proofreading and editing can be a lucrative passage to earning. Perfect your skills through websites like Scribbr.com or Upwork.com, offering flexible hours and diverse projects, letting you focus solely on editing and SEO enhancements without full-time writing commitments.
Leverage Fulfillment by Amazon
If eCommerce appeals to you, consider Amazon FBA drop shipping. This model allows selling without holding inventory. By choosing trending products and letting Amazon handle logistics, you can streamline your earnings. Calculate your product margins and determine sales targets to ensure profitability.
Create Online Courses
Turning your expertise into an online course can generate steady income. Utilize tools like Canva.com to craft engaging content, then market it on sites such as Udemy.com and Teachable.com. Pricing competitively can attract learners, making it possible to achieve rapid returns once a significant audience is reached.
Become a Rideshare Driver
Although not fully online, rideshare driving with apps like Uber or Lyft offers flexible working hours and decent pay. In metropolitan areas, especially during peak times, earnings can reach $20 per hour or more. This method transforms time spent idly into valuable income-earning opportunities.
Nella regione Marche, i mutui sono in crescita, con la provincia di Pesaro e Urbino che si distingue per i risultati positivi. Durante il 2024, il mercato dei mutui in Italia ha mostrato segni di ripresa, e i dati dell’analisi effettuata da Kìron Partner SpA, basata sui dati aggiornati della Banca d’Italia, confermano questo trend. Infatti, nel quarto trimestre, le famiglie italiane hanno ottenuto finanziamenti per un ammontare di 3.116,5 milioni di euro, evidenziando un aumento notevole del 28,8% rispetto allo stesso periodo del 2023.
Questo incremento conferma la tendenza positiva riscontrata nei trimestri precedenti. Su base annua, le erogazioni totali hanno raggiunto 44.558,4 milioni di euro, segnando una crescita dell’8,1% rispetto all’anno precedente.
Nella Marche, i mutui crescono: la provincia di Pesaro e Urbino in evidenza
Nel quarto trimestre del 2024, le famiglie nella regione Marche hanno beneficiato di finanziamenti per l’acquisto della casa pari a 283,3 milioni di euro, con un incremento sbalorditivo del 30,5% rispetto allo stesso periodo dell’anno precedente. Questo posiziona le Marche al tredicesimo posto nazionale per volumi erogati, con una quota dell’2,03% sul totale italiano.
Analizzando l’intero arco del 2024, i finanziamenti nella regione sono ammontati a 863,5 milioni di euro, registrando un incremento dell’10,8% rispetto al 2023, che equivale a +84,5 milioni di euro. La quota delle Marche sul totale nazionale si attesta all’1,94%.
Mutui nelle province delle Marche: Pesaro e Urbino in testa
Le cinque province marchigiane hanno mostrato andamenti diversi nel quarto trimestre 2024. La provincia di Pesaro e Urbino ha evidenziato il volume più alto, con 92,5 milioni di euro erogati e una crescita del 41,2% rispetto allo stesso periodo del 2023. Nel complesso dell’anno, il volume ha raggiunto i 267,8 milioni di euro, con un aumento positivo del 23,4%.
Subito dopo, troviamo la provincia di Ancona, con 91,3 milioni di euro nel trimestre e una variazione positiva del 19,9%. A livello annuale, i finanziamenti hanno toccato i 291,8 milioni di euro, mostrando un incremento del 4,1% rispetto al 2023. In provincia di Macerata, nel quarto trimestre, i mutui erogati sono stati 40,9 milioni di euro, con un aumento del 30,0%. Nel totale dei dodici mesi, la cifra si chiude con 130,5 milioni di euro, segnando un +11,0%.
Per quanto riguarda Ascoli Piceno, il trimestre ha totalizzato 35,4 milioni di euro, con una crescita del 37,4% rispetto all’anno precedente. Il volume annuale si stabilizza a 108,7 milioni di euro, registrando un incremento dell’8,8%. Infine, la provincia di Fermo ha erogato 23,2 milioni di euro nel quarto trimestre (+27,4%). Nel totale dei dodici mesi, l’importo si attesta a 64,7 milioni di euro, con una variazione annua di +0,9%.
Il contesto dei mutui in Italia
Il volume delle erogazioni in Italia per tutto il 2024 ha raggiunto 44,5 miliardi di euro. La domanda robusta e i tassi d’interesse in calo hanno giocato un ruolo chiave, contribuendo a un rinnovato interesse verso il mercato immobiliare. Questo scenario positivo è previsto continuare anche nei prossimi mesi, sebbene ci siano incertezze globali, soprattutto a causa di decisioni politiche come i dazi imposti da Trump.
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