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Mortgages and loans

Mortgages are rising, rates are over two percent

years mortgage rates continue to grow gradually. The average year rate rose to 2.01 percent in April. At this level, rates were last in the Norwegian last year.

Mortgages are still healthy and their availability is in the mountains. This is reflected even in decreasing sweats and volumes. In April, 8,555 mortgages were agreed, which is 1,833 mn not in ordinary. In the mezzanine year, the number of mortgages fell by 487.

The volumes were also lower in April, by 3.5 billion crowns compared to the current year. In the fourth month, volumes fell to 17.579 billion crowns.

Of the NB’s recommendations, banks have the most work with a maximum limit of 15% of the volume, including over 80% of the value of the property. Interest in this font is still strongly not specified limit. The increase in rates in this segment will be the same factor for the growth of average years of rates in the near future, according to Josef Rajdl, chief analyst of Fincentrum.

Pr

Mortgages are becoming more readily available with the recommendations of the Czech National Bank (NB). Today, banks are not allowed to provide over 90% of the mortgage value of real estate. A me bt h. In the Chamber of Deputies of the Parliament, the technical amendment will take effect on the NB, which gave the central bank powers. And if she used them to the extent indicated in the First Financial Stability Report 2015/2016, only a few people would have reached a mortgage.

Prmrn pjka zstv

Mortgages rose in April during SOB, Hypoten banka, Expobank and UniCredit Bank. What is dark in the world is the average in mortgages. Since November 2016, the people on average have bought two million crowns. Even in April this year, it was no different, the average in mortgages reached 2,054,856 crowns.

How did the average in mortgages grow?
Msc Prmrn ve in K Msc Prmrn ve in K
members 2015 1 725 728 members 2016 2 138 995
nor 2015 1 731 248 nor 2016 1 878 013
bezen 2015 1 751 311 bezen 2016 1 909 937
April 2015 1 783 330 April 2016 1 886 765
kvten 2015 1 816 423 kvten 2016 1 911 376
erven 2015 1 829 483 erven 2016 1 929 207
ervenec 2015 1 832 976 ervenec 2016 1 999 405
August 2015 1 841 182 August 2016 1 952 489
from 2015 1 852 485 from 2016 1 995 626
only 2015 1 866 517 only 2016 1 980 701
November 2015 1 843 878 November 2016 2 063 292
December 2015 1 913 396 December 2016 2 034 199
Source: Fincentrum Hypoindex members 2017 2 023 286
nor 2017 2 013 220
bezen 2017 2 034 193
April 2017 2 054 856

Interest in mortgages therefore decreased slightly and it is not surprising that due to limited NB banks can not provide more than 90 percent of mortgages. This way, people have to dig deeper into their pockets and make mortgage banks healthy.

In addition, the people will reach my mortgage. To get a mortgage, you currently need more creditworthiness and more of your own finances than two. In the last record year, on the other hand, almost everyone received mortgages.