Poles borrow more and more money, but fewer and fewer of us into debt. BIK The latest data show that in 2015 years has decreased the number of loans, but their value increased and reached a record level. On the good news can count invading mortgages. Experts say that after the first shock of the bank tax and the threat of the introduction of the Act francs, banks can this year to lower margins.
Companies borrowing more aggressively take over market
last year, the number of consumer loans fell by 4.5 percent. from 7.6 million to 7.3 million. At the same time, however, they increased their value by 4.2 percent. – From 77.8 billion to 79.5 billion zł zł.
Interestingly, the customers are less likely to lend smaller amounts fell because the number of loans to the value of 15 thousand. zł. At the same time it increased the number of loans more than 15 thousand. zł. As a result, the value of the average consumer credit increased in 2015 from 9900 to 10,800 zł zł
– The decrease in the number of low-fixed rate loans resulted in very active competition in this segment of the loan companies. On the other hand, banks, appreciating the loyal customers, give them loans for higher amounts – said during a press conference the president of the Credit Information Bureau, Dr. Mariusz Cholewa.
Mortgages grow through MdM
While consumer loans were more readily incurred in the first half of the year, and the growth has slowed significantly in the fourth quarter of 2015., it was the exact opposite of mortgage loans. The first half of the year was weak, but there has been a sharp increase in the fourth quarter of 2015. Compared to the third quarter growth was as high as 15 percent. Reason? Program Apartment for Young were included in the apartment secondary market.
Throughout 2015, the number of mortgage loans was similar to that in 2014. Banks extended 196.5 thousand housing loans to 194 thousand. a year before. Increased but the value of these loans from 40.4 billion to 41.8 billion zł zł.
According to the BIK, in 2016 the trend will be similar – the number of mortgage loans will be at a similar level as in 2015, a few percent will be an increase, but their value.
the question remains, how will affect program MdM, which means this year could end up in may, as calculated Jaroslaw Sadowski Expander.
BIK as one of the few predicts growth in housing loans in 2016. The market is more pessimistic. Why? – Forecast based on submitted requests for housing loans. Perhaps at the end of the year will be negative growth in this segment – admits Cholewa. Will affect, among others, no subsidies from the government program.
Good information can look forward to while customers. According to prof. Waldemar Rogowski BIK soon we may have to deal with the decline mortgage lending margins.
– The first moment of uncertainty in banks increased margins, but now banks are already considering reductions – Rogowski said during a press conference. And for example, gives the bank Citi Handlowy, who a few days ago as the first decided on a decrease in margins of the mortgage.
Back to His Family? But why?
Justice announced that it will continue the program Apartment for Young, and instead wants to start a program modeled on the program Family on its own, which the government introduced the PO-PSL. Experts in real estate are surprised by the idea.
– I do not know why PiS wants to go back to the program Family on its own, the effect of the current program Apartment for Young is stronger than RnS – said during a conference in BIK Kazimierz Kirejczyk, President REAS advisory firm in the housing market.
– These two programs are comparable due to the impact on the housing market, and MdM is probably less costly for the budget – said the president Kirejczyk.
– RnS has a certain period of operation in the life of the borrower – surcharge for credit are only valid for eight years – which is why this solution is risky for both the borrower and the lender, because after eight years of not really know what’s going to happen. And because of this program RnS banks lend higher dreams, a large number of borrowers may find themselves in a bad situation after the expiry of subsidies – argued Kirejczyk.
He stressed, however, that in the case of MdM surcharge own contribution at the beginning of It means that from the point of view of the borrower during the loan payment does not change the load. – From the point of view of predictability MdM is a better instrument – believes Kirejczyk.
No comments:
Post a Comment