Mortgages, how much will the variable rate drop in the second half of 2024? All the calculations (with the unknown rates)

Last June, the European Central Bank reduced its key interest rates by 25 basis points and this had a positive, albeit limited, impact on Italian variable-rate mortgages; according to the simulations of Facile.it the drop for an average loan was approximately 18 euros. By average financing, analysts at Facile.it mean a mortgage of 126 thousand euros over 25 years with a LTV (loan capital/property value) ratio of 70%.