Cheaper mortgage mortgage, the impact of the bank's acne offerings



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In April, the client, by mortgage for banks, pilo6 395, which is only 269 mn not in the ordinary. Mortgage volumes also fell. People in the fourth year of this year traded mortgages for 14.615 billion crowns, which is 141 million tons not in the ordinary when the volume was 14.756 billion kroner.

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The fall of the mezzanine is mandatory. Last April, 7896 mortgages totaled 16.871 billion Czech crowns. At that time the bag was cheap mortgage, the average rate was 2.51%.

Although the market for hypotens for the MSc becomes cheaper, the years rates are likely to be gradually higher. esk bank in May after year pl ranged the rate by one percentage point.

Vvoj hypotk
In 2018
MSc Poet (in pcs) Volume (in Kc) Rate in%
January 7,783 16.5 2.28
nor 7 446 15.96 2.36
bezen 9 087 19,25 2.46
April 7 896 16.87 2.51
kvten 7,819 16.76 2.51
June 9 030 19.38 2.49
July 7 016 15.38 2.50
August 8 475 18.78 2.53
z 9 153 20.80 2.57
only 10 590 24.28 2.66
November 8 617 19.49 2.78
December 6 565 14.93 2.91
In 2019
MSc Poet (in pcs) Volume (in Kc) Rate in%
January 4 764 10.93 3.00
nor 4 961 10,881 2.99
bezen 6 664 14,756 2.9
April 6 395 14,615 2.85
source: Fincentrum

The years of rates continued to decline in April as banks' stocks advanced in the spring. In the near future, banks will pass the latest NB base rates to prices, but in terms of good supply, we can expect it to be a gradual process for Josef Rajdl, a senior analyst at Fincentrum.

As the average on mortgages provided grew
2017 Prmrn ve in K 2018 Prmrn ve in K 2019 Prmrn ve in K
January 2 023 286 January 2120 444 January 2294 216
nor 2,013,220 nor 2143 371 nor 2,193,207
bezen 2,034,193 bezen 2118 087 bezen 2214 326
April 2,054,856 April 2136 643 April 2,285,414
kvten 2,047,098 kvten 2143 118
June 2,051,890 June 2146 185
July 2 021 107 July 2193 045
August 2 119 687 August 2216 908
z 2,075,601 z 2 273074
only 2,069,946 only 2293 098
November 2,055,747 November 2262 439
December 2,153,542 December 2274 871
source: Hypoindex Fincentrum

The high price of real estate also results in an increasing average of hypotens. The prices of old and new real estate are growing, so people need to hurry. In April, the average mortgage increased from 2,213,120 Czech crowns to 2,285,414 Norwegian crowns.

Msn mortgage brokerage in 2019 in CZK one million crowns maturing for 20 years on average CZK 5,470, on maturity for 15 years the clients meet at CZK 6,833 on msn.

Interesting in the market of hypotens

With a new offer vi esk spoitelna. Since April 1, mortgage rates for all fasteners have dreamed up by 0.2 percentage points. The rates pay for mortgages up to 80 percent of the value of the property. The bank wants to support the people in their first home. The so-called first-person bank will provide a mortgage of up to 90% of the value of the property. Condition nen vk, but written in the real estate register. If the client does not own the property and therefore does not write the property on the cadastre, I can still reach the cheap mortgage. For years, the rate for 90% of mortgages is the same as 80%.

The Czech bank and the Finance Ministry also want to lower the price of mortgages for young people. Young people under 36 could get mortgages and one hundred percent of the value of a property. In addition, it should be limited in terms of income. From when the novelty and specific parameters will be applied, the bag will still be clean.

In April, Moneta Money Bank, Air Bank, Fio banka and Wstenrot made the mortgage cheaper.

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