Reduce mortgages, but the overall index settled by five thousand upwards

mortgage rates fell in April. The Fincentrum Hypoindex summary indicator, which sets the average rate for mortgage loans, paradoxically rose by five thousand percent up to 4.28 percent.

“The reason is, in addition to the small number of other rates, which are not individual watchdogs, so the change in the structure of the agreed mortgages,” said Fincentrum channel analyst Josef Rajdl.

Against the average, it decreased according to the volume of “cheap” ptiletch fixations and variable rates in favor of one-year and three fixations. This then tilted the overall average upwards.

This is despite the fact that in the first years rates for tletch and one-year fixation fell the fastest.

Summary for April 2011
Fixation period of the rate years All fixations 1 year 5 let
Hypoindex 4,28 % 4,60% 4,18%
Change from last msci (bp) 1 -6 -1
Average in mortgage (K) 1 665 1 940 1 575
Msn spltka 1 million mortgages for 20 years 6 206 6 378 6 155
Msn spltka 1 mil. hypotky na15 let 7 536 7 699 7 488
elovost vr
According to vr for purchase on the total pot, incl 61 % 63 % 58 %
According to vr for construction on the total sweat, incl 23 % 22 % 25 %
According to other vr on the total sweat vr 16 % 15 % 16 %

In total, the banks provided 5,857 mortgage bonds for housing in the amount of 9.752 billion crowns. The average in the provided mortgage thus reached 1,665,091 crowns.

While the volume of provided vr decreased by six percent compared to the average, meziron was half of them. This year, April, did not only reach the volume of mortgages from the record year of 2007 for April, in which it lacked only 5.8 percent.

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