{
    "nome": "Tassi sui mutui in Italia — serie BCE/MIR",
    "descrizione": "Tassi di interesse realmente praticati dalle banche italiane sui nuovi mutui per acquisto abitazione, piu' Euribor e tassi di riferimento BCE. Dato osservato, non stima indice + spread.",
    "fonte": "Banca Centrale Europea — ECB Data Portal",
    "fonte_url": "https://data.ecb.europa.eu/",
    "dataflow": "MIR (MFI Interest Rate statistics)",
    "serie_mir": {
        "totale": "M.IT.B.A2C.A.R.A.2250.EUR.N",
        "variabile": "M.IT.B.A2C.F.R.A.2250.EUR.N",
        "fisso_1_5_anni": "M.IT.B.A2C.I.R.A.2250.EUR.N",
        "fisso_5_10_anni": "M.IT.B.A2C.O.R.A.2250.EUR.N",
        "fisso_oltre_10": "M.IT.B.A2C.P.R.A.2250.EUR.N",
        "media_area_euro": "M.U2.B.A2C.A.R.A.2250.EUR.N"
    },
    "unita": "percentuale annua",
    "frequenza": "mensile",
    "aggiornato": "2026-09-14T05:10:05+00:00",
    "attribuzione": "Elaborazione CalcolaMutuo.it su dati BCE. Riutilizzo libero citando la fonte e https://www.calcolamutuo.it/storico-tassi-mutuo/",
    "note": "I dati originali restano soggetti alle condizioni d'uso della BCE (https://www.ecb.europa.eu/services/disclaimer/html/index.en.html). Questo file ne e' una rielaborazione, non una fonte ufficiale.",
    "tassi_correnti": {
        "euribor_1m": {
            "value": 2.221,
            "period": "2026-08"
        },
        "euribor_3m": {
            "value": 2.513,
            "period": "2026-08"
        },
        "euribor_6m": {
            "value": 2.713,
            "period": "2026-08"
        },
        "euribor_12m": {
            "value": 2.954,
            "period": "2026-08"
        },
        "bce_dfr": {
            "value": 2.5,
            "period": "2026-09-16"
        },
        "bce_mro": {
            "value": 2.65,
            "period": "2026-09-16"
        },
        "mir_totale": {
            "value": 3.4,
            "period": "2026-07"
        },
        "mir_var": {
            "value": 2.99,
            "period": "2026-07"
        },
        "mir_fisso_1_5": {
            "value": 3.63,
            "period": "2026-07"
        },
        "mir_fisso_5_10": {
            "value": 3.79,
            "period": "2026-07"
        },
        "mir_fisso_10plus": {
            "value": 3.56,
            "period": "2026-07"
        },
        "mir_area_euro": {
            "value": 3.52,
            "period": "2026-07"
        }
    },
    "storico": {
        "mir_totale": {
            "dal": "2003-01",
            "al": "2026-07",
            "osservazioni": 283,
            "valori": [
                4.65,
                4.5,
                4.4,
                4.29,
                4.2,
                3.99,
                3.9,
                3.97,
                3.9,
                3.89,
                3.88,
                3.8,
                3.77,
                3.76,
                3.69,
                3.65,
                3.65,
                3.69,
                3.67,
                3.71,
                3.68,
                3.69,
                3.68,
                3.66,
                3.67,
                3.67,
                3.65,
                3.66,
                3.65,
                3.61,
                3.58,
                3.63,
                3.59,
                3.6,
                3.66,
                3.73,
                3.88,
                3.94,
                4.04,
                4.16,
                4.24,
                4.35,
                4.48,
                4.57,
                4.65,
                4.74,
                4.82,
                4.87,
                5.07,
                5.15,
                5.18,
                5.28,
                5.39,
                5.49,
                5.6,
                5.62,
                5.63,
                5.71,
                5.66,
                5.72,
                5.69,
                5.65,
                5.61,
                5.66,
                5.75,
                5.84,
                5.92,
                5.95,
                5.8,
                5.76,
                5.54,
                5.09,
                4.79,
                4.56,
                4.28,
                4.06,
                3.74,
                3.64,
                3.38,
                3.24,
                3.06,
                2.97,
                2.9,
                2.88,
                2.72,
                2.67,
                2.59,
                2.6,
                2.54,
                2.51,
                2.54,
                2.66,
                2.64,
                2.7,
                2.88,
                2.97,
                3.15,
                3.08,
                2.99,
                3.04,
                3.09,
                3.16,
                3.21,
                3.43,
                3.42,
                3.54,
                3.7,
                4.03,
                4.26,
                4.33,
                4.27,
                4.14,
                4.12,
                3.97,
                3.99,
                3.95,
                3.86,
                3.8,
                3.83,
                3.69,
                3.7,
                3.76,
                3.69,
                3.72,
                3.71,
                3.64,
                3.68,
                3.63,
                3.68,
                3.6,
                3.54,
                3.5,
                3.49,
                3.43,
                3.44,
                3.34,
                3.33,
                3.26,
                3.21,
                3.12,
                2.99,
                2.88,
                2.9,
                2.83,
                2.82,
                2.75,
                2.68,
                2.63,
                2.65,
                2.77,
                2.78,
                2.82,
                2.67,
                2.6,
                2.57,
                2.5,
                2.49,
                2.41,
                2.33,
                2.29,
                2.25,
                2.2,
                2.09,
                2.16,
                2.02,
                2.03,
                2.05,
                2.02,
                2.08,
                2.16,
                2.11,
                2.13,
                2.12,
                2.1,
                2.07,
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                2.02,
                2.01,
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                1.91,
                1.88,
                1.84,
                1.83,
                1.8,
                1.79,
                1.85,
                1.8,
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                1.91,
                1.89,
                1.95,
                1.91,
                1.85,
                1.86,
                1.85,
                1.77,
                1.69,
                1.7,
                1.44,
                1.39,
                1.43,
                1.44,
                1.44,
                1.4,
                1.38,
                1.4,
                1.33,
                1.27,
                1.26,
                1.32,
                1.27,
                1.26,
                1.27,
                1.25,
                1.27,
                1.29,
                1.37,
                1.38,
                1.4,
                1.42,
                1.4,
                1.46,
                1.39,
                1.43,
                1.44,
                1.4,
                1.45,
                1.49,
                1.66,
                1.81,
                1.92,
                2.05,
                2.15,
                2.07,
                2.26,
                2.75,
                3.06,
                3.01,
                3.59,
                3.76,
                4,
                4.17,
                4.22,
                4.27,
                4.19,
                4.29,
                4.21,
                4.35,
                4.5,
                4.42,
                3.98,
                3.89,
                3.79,
                3.68,
                3.61,
                3.55,
                3.44,
                3.59,
                3.31,
                3.27,
                3.23,
                3.11,
                3.12,
                3.18,
                3.14,
                3.27,
                3.17,
                3.19,
                3.2,
                3.28,
                3.28,
                3.31,
                3.3,
                3.38,
                3.45,
                3.44,
                3.37,
                3.47,
                3.5,
                3.49,
                3.4
            ],
            "attuale": 3.4,
            "min": {
                "value": 1.25,
                "period": "2020-12"
            },
            "max": {
                "value": 5.95,
                "period": "2008-08"
            },
            "media_5a": 3.14,
            "media_10a": 2.43,
            "perc_5a": 57,
            "perc_10a": 78,
            "perc_tutto": 52,
            "medie_annue": {
                "2003": 4.11,
                "2004": 3.69,
                "2005": 3.64,
                "2006": 4.4,
                "2007": 5.46,
                "2008": 5.69,
                "2009": 3.63,
                "2010": 2.67,
                "2011": 3.32,
                "2012": 4.02,
                "2013": 3.65,
                "2014": 3.19,
                "2015": 2.69,
                "2016": 2.2,
                "2017": 2.07,
                "2018": 1.86,
                "2019": 1.69,
                "2020": 1.32,
                "2021": 1.39,
                "2022": 2.14,
                "2023": 4.16,
                "2024": 3.54,
                "2025": 3.24,
                "2026": 3.45
            }
        },
        "mir_var": {
            "dal": "2003-01",
            "al": "2026-07",
            "osservazioni": 283,
            "valori": [
                4.34,
                4.26,
                4.14,
                4.01,
                3.93,
                3.75,
                3.64,
                3.68,
                3.61,
                3.61,
                3.63,
                3.61,
                3.61,
                3.59,
                3.53,
                3.52,
                3.51,
                3.54,
                3.52,
                3.55,
                3.51,
                3.53,
                3.54,
                3.54,
                3.54,
                3.54,
                3.54,
                3.54,
                3.52,
                3.49,
                3.47,
                3.53,
                3.47,
                3.49,
                3.53,
                3.6,
                3.75,
                3.79,
                3.88,
                4,
                4.04,
                4.14,
                4.3,
                4.4,
                4.46,
                4.59,
                4.68,
                4.71,
                4.89,
                4.93,
                4.95,
                5.06,
                5.14,
                5.18,
                5.26,
                5.36,
                5.41,
                5.5,
                5.44,
                5.48,
                5.36,
                5.43,
                5.35,
                5.42,
                5.5,
                5.54,
                5.63,
                5.71,
                5.52,
                5.56,
                5.46,
                4.91,
                4.34,
                3.92,
                3.66,
                3.37,
                2.98,
                2.85,
                2.65,
                2.54,
                2.33,
                2.27,
                2.27,
                2.24,
                2.24,
                2.23,
                2.22,
                2.24,
                2.22,
                2.24,
                2.29,
                2.44,
                2.39,
                2.44,
                2.52,
                2.52,
                2.58,
                2.59,
                2.61,
                2.68,
                2.77,
                2.85,
                2.92,
                3.14,
                3.14,
                3.26,
                3.33,
                3.64,
                3.86,
                3.99,
                3.9,
                3.77,
                3.8,
                3.73,
                3.71,
                3.7,
                3.54,
                3.46,
                3.52,
                3.43,
                3.48,
                3.52,
                3.47,
                3.51,
                3.53,
                3.44,
                3.43,
                3.37,
                3.37,
                3.31,
                3.23,
                3.19,
                3.22,
                3.2,
                3.18,
                3.09,
                3.04,
                3,
                2.97,
                2.82,
                2.7,
                2.6,
                2.57,
                2.55,
                2.53,
                2.45,
                2.35,
                2.3,
                2.21,
                2.2,
                2.14,
                2.23,
                2.09,
                2.05,
                2.02,
                1.97,
                1.98,
                1.95,
                1.92,
                1.88,
                1.84,
                1.79,
                1.75,
                1.84,
                1.74,
                1.76,
                1.75,
                1.7,
                1.69,
                1.78,
                1.72,
                1.7,
                1.7,
                1.66,
                1.65,
                1.68,
                1.63,
                1.61,
                1.58,
                1.53,
                1.58,
                1.57,
                1.54,
                1.52,
                1.5,
                1.47,
                1.48,
                1.55,
                1.51,
                1.54,
                1.59,
                1.52,
                1.57,
                1.5,
                1.47,
                1.47,
                1.51,
                1.48,
                1.43,
                1.5,
                1.37,
                1.38,
                1.25,
                1.37,
                1.4,
                1.39,
                1.35,
                1.42,
                1.39,
                1.37,
                1.36,
                1.37,
                1.34,
                1.3,
                1.31,
                1.29,
                1.3,
                1.25,
                1.36,
                1.38,
                1.39,
                1.39,
                1.39,
                1.43,
                1.36,
                1.33,
                1.34,
                1.32,
                1.33,
                1.32,
                1.33,
                1.33,
                1.33,
                1.44,
                1.61,
                1.72,
                1.88,
                2.45,
                2.76,
                2.77,
                3.46,
                3.66,
                3.81,
                4.33,
                4.4,
                4.47,
                4.59,
                4.81,
                4.87,
                4.7,
                5.1,
                5,
                4.99,
                4.97,
                4.88,
                4.94,
                4.83,
                4.54,
                4.1,
                4.68,
                4.51,
                4.52,
                4.34,
                4.21,
                3.4,
                3.82,
                3.73,
                3.54,
                3.43,
                3.32,
                3.07,
                3.23,
                3.1,
                3.08,
                3.1,
                3.21,
                3.08,
                3.08,
                3.05,
                3.08,
                3.06,
                3.04,
                2.99
            ],
            "attuale": 2.99,
            "min": {
                "value": 1.25,
                "period": "2019-11"
            },
            "max": {
                "value": 5.71,
                "period": "2008-08"
            },
            "media_5a": 3.3,
            "media_10a": 2.4,
            "perc_5a": 28,
            "perc_10a": 64,
            "perc_tutto": 46,
            "medie_annue": {
                "2003": 3.85,
                "2004": 3.54,
                "2005": 3.52,
                "2006": 4.23,
                "2007": 5.22,
                "2008": 5.45,
                "2009": 2.95,
                "2010": 2.33,
                "2011": 2.96,
                "2012": 3.7,
                "2013": 3.4,
                "2014": 2.91,
                "2015": 2.21,
                "2016": 1.83,
                "2017": 1.66,
                "2018": 1.53,
                "2019": 1.44,
                "2020": 1.36,
                "2021": 1.35,
                "2022": 1.77,
                "2023": 4.43,
                "2024": 4.63,
                "2025": 3.34,
                "2026": 3.05
            }
        },
        "mir_fisso_10plus": {
            "dal": "2003-01",
            "al": "2026-07",
            "osservazioni": 283,
            "valori": [
                5.03,
                5,
                5.43,
                5.49,
                5.4,
                5.15,
                5.13,
                5.34,
                5.34,
                5.29,
                5.3,
                5.09,
                5.02,
                5.13,
                4.98,
                4.98,
                5.04,
                5.24,
                5.29,
                5.28,
                5.39,
                5.28,
                5.19,
                5.02,
                5,
                4.88,
                4.55,
                4.91,
                4.87,
                4.76,
                4.68,
                4.7,
                4.61,
                4.62,
                4.7,
                4.74,
                4.78,
                4.87,
                4.95,
                5.08,
                5.22,
                5.3,
                5.37,
                5.54,
                5.43,
                5.35,
                5.29,
                5.26,
                5.43,
                5.51,
                5.51,
                5.58,
                5.67,
                5.81,
                5.96,
                5.93,
                5.85,
                5.91,
                5.83,
                5.88,
                5.88,
                5.79,
                5.78,
                5.8,
                5.9,
                5.99,
                6.08,
                6.1,
                5.93,
                5.87,
                5.59,
                5.21,
                5.1,
                5.13,
                5.01,
                5.02,
                5.06,
                5.18,
                5.17,
                5.19,
                5.02,
                5.01,
                5,
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                4.93,
                4.81,
                4.74,
                4.7,
                4.61,
                4.41,
                4.39,
                4.49,
                4.09,
                4.1,
                4.2,
                4.3,
                4.22,
                4.37,
                4.74,
                4.85,
                4.84,
                4.82,
                4.78,
                4.89,
                4.64,
                4.44,
                4.6,
                4.99,
                5.14,
                5.15,
                5.21,
                5.13,
                5.02,
                4.63,
                4.86,
                4.95,
                4.81,
                4.88,
                4.85,
                4.64,
                4.51,
                4.66,
                4.55,
                4.46,
                4.38,
                4.47,
                4.64,
                4.8,
                4.83,
                4.77,
                4.73,
                4.73,
                4.74,
                4.6,
                4.62,
                4.58,
                4.62,
                4.44,
                4.31,
                4.36,
                4.09,
                3.78,
                3.93,
                3.68,
                3.66,
                3.51,
                3.35,
                3.1,
                3.04,
                3.16,
                3.23,
                3.19,
                3.03,
                2.98,
                2.91,
                2.84,
                2.82,
                2.75,
                2.65,
                2.63,
                2.58,
                2.51,
                2.32,
                2.37,
                2.18,
                2.19,
                2.2,
                2.18,
                2.27,
                2.32,
                2.27,
                2.34,
                2.33,
                2.33,
                2.32,
                2.43,
                2.24,
                2.26,
                2.23,
                2.14,
                2.15,
                2.13,
                2.1,
                2.01,
                2.01,
                1.98,
                1.96,
                2.04,
                1.95,
                2.04,
                2.07,
                2.07,
                2.15,
                2.14,
                2.02,
                2.08,
                2.05,
                1.94,
                1.84,
                1.82,
                1.46,
                1.4,
                1.48,
                1.46,
                1.45,
                1.4,
                1.37,
                1.37,
                1.3,
                1.25,
                1.23,
                1.31,
                1.25,
                1.25,
                1.26,
                1.24,
                1.26,
                1.29,
                1.36,
                1.37,
                1.4,
                1.41,
                1.4,
                1.44,
                1.37,
                1.43,
                1.44,
                1.38,
                1.45,
                1.5,
                1.71,
                1.92,
                2.11,
                2.33,
                2.61,
                2.39,
                2.86,
                3.32,
                3.64,
                3.57,
                3.78,
                3.84,
                4.11,
                4.05,
                4.14,
                4.11,
                4.02,
                4.07,
                4.02,
                4.13,
                4.31,
                4.01,
                3.68,
                3.64,
                3.59,
                3.45,
                3.45,
                3.43,
                3.38,
                3.41,
                3.22,
                3.18,
                3.15,
                3.01,
                3.07,
                3.12,
                3.08,
                3.24,
                3.14,
                3.18,
                3.22,
                3.31,
                3.31,
                3.35,
                3.32,
                3.42,
                3.55,
                3.51,
                3.43,
                3.57,
                3.59,
                3.6,
                3.56
            ],
            "attuale": 3.56,
            "min": {
                "value": 1.23,
                "period": "2020-07"
            },
            "max": {
                "value": 6.1,
                "period": "2008-08"
            },
            "media_5a": 3.15,
            "media_10a": 2.49,
            "perc_5a": 65,
            "perc_10a": 83,
            "perc_tutto": 41,
            "medie_annue": {
                "2003": 5.25,
                "2004": 5.15,
                "2005": 4.75,
                "2006": 5.2,
                "2007": 5.74,
                "2008": 5.83,
                "2009": 5.07,
                "2010": 4.48,
                "2011": 4.68,
                "2012": 4.94,
                "2013": 4.63,
                "2014": 4.31,
                "2015": 3.17,
                "2016": 2.45,
                "2017": 2.29,
                "2018": 2.04,
                "2019": 1.82,
                "2020": 1.31,
                "2021": 1.38,
                "2022": 2.45,
                "2023": 4.05,
                "2024": 3.38,
                "2025": 3.23,
                "2026": 3.54
            }
        }
    }
}