In 2026 the choice between fixed rate e variable rate it is played within a framework of relative calm: the European Central Bank has just confirmed the rates unchanged, with the deposit rate at 2%, the main refinancing rate at 2.15% and the marginal rate at 2.4%. It is a waiting scenario, no longer an emergency, in which the real discriminating factor is not “what the ECB will do tomorrow”, but how much risk each family is willing to take into account on the mortgage instalment.
date:2026-02-09 08:17:00
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