Do not discount her mortgages, the rates do not fall much for years. Even so, banks are able to maintain strong interim growth. The volume of mortgages provided increased by more than a dozen in January.
In the last year, rates fell by the MSC, which by the MSC by tenths of a percent and the typical percentage seemed within reach. Unfortunately, at the end of the year, the banks’ willingness to continue to cut rates began to wane, and in rare cases, even at higher rates.
The interesting thing about the January statistics is the fact that while in December 2010 clients clearly preferred five years of fixation on corps, in the past month the situation was reversed. According to these fixations, the total number of mortgages provided rose to 49 percent. Only 38 percent of clients preferred a mortgage with the fixac pillet.
This reversal could be explained on the one hand by the end of some marketing campaigns, in which banks tried to motivate clients to close mortgages with a fixed fixation period and thus change the future development of annual rates. Tm with certainty is mon excluded effect in years rates. It is divided by several masses equal to one tenth of a percentage point.
Meziron is growing the auntary mortgage market
The first two months are regularly among the below-average months of the year and to some extent they are a cornerstone of the mortgage market. Thus, in January this year, banks recorded a sharp interim decline in the production of newly agreed mortgages, but compared to last year, they did well. The number and volume of newly closed hypotens, including mesiron, increased by a tetin.
In the past month, the banks provided a total of 3,404 shares in the total amount of 5.716 billion crowns, and the average number of mortgages fell by almost 6,000 crowns to 1,679,107 crowns. A sharp year-on-year improvement is largely low, but in January January the volume of mortgages provided (4.28 billion) fell to a minimum due to the economic recession.
Where can you learn?
The Hypoten Bank group offers the opportunity to consider the cost of mortgages. From the 14th of November, both Hypoten banka and Potovn spoitelna and SOB offer mortgage loans free of charge. The offer applies to all variants of fixation and tm to all types of mortgages with the exception of American mortgages, pedhypotench incl.
Standard banks with a zero fee are offered by mBank, Raiffeisenbank, esk spoitelna and in some types of mortgages both GE Money Bank (online enough about vr) and Wstenrot hypoten banka (mortgage with a five-year fixation up to 85 percent LTV).
Otherwise, as far as the development of year rates, so more than half of the banks in the arrest of the burrow increased their bid for years. Only Wstenrot hypoten banka has decided to adjust the rates downwards over the years. The reduction of rates by two tenths of a percentage point was achieved in all fixed variants, but mortgages with a one-year fixation (-0.30 pp) became the cheapest.
|Summary for January 2011|
|Fixation period of the rate years||all fixations||1 year||5 let|
|Change from last msci (bp)||-3||-14||– 4|
|Prmrn ve hypotky (tis. K)||1 679||2 042||1 515|
|Msn spltka 1mil. mortgages for 20 years (K)||6 166||6 353||6 151|
|Msn spltka 1mil. mortgages for 15 years (K)||7 498||7 675||7 483|
|According to vr for purchase on the total pot, incl||68%||73%||68%|
|According to vr for construction on the total sweat, incl||15%||10%||14%|
|According to other vr on the total sweat vr||17%||17%||18%|
Index of values of mortgage price developments over time. It is out of the average year rate at which providers are in a given calendar month new mortgages for individuals. The weights are the volumes provided incl. Input data for deposits is provided by the following banks: esk spoitelna, SOB, GE Money Bank, Hypoten banka, Komern banka, Raiffeisenbank, UniCredit Bank, Volksbank CZ and Wstenrot hypoten banka.
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