Polish Bank Association (ZBP) announced on Tuesday that in 2015. Poles dragged over 181.3 thousand. housing loans. This is a better result than in the previous two years. The head of the committee. Real estate financing the PBA Jacek Furga admits that it is thanks to very good for the banks of the fourth quarter. It was quite unusual, because – as he calculates the banker – dopingująco worked for the Poles, among others, announcement increase from 10 to 15 percent. required by banks own contribution, as well as the fear that as a result of occupancy banks and tax payments, among others, the Bank Guarantee Fund and the Credit Support Fund falls availability of mortgages.
However, the main reason for a rapid recovery in lending were changes in the “House for the young.” From September payment for the loan, which in many cases replaces the own contribution, can be used to purchase housing. Polish Bank Association reported that in the fourth quarter, banks issued nearly 13 thousand. loans with government funding. They accounted for almost 27 per cent. all contracts at the time the mortgage. And let us add that in the previous quarters, the share was approx. 10 per cent.
record Warsaw
In addition, the PBA draw attention to the increased activity of the so-called. cash investors who are only slightly meals a loan.
According to Jack Furgi they bought an apartment with a view to renting them. Where? First of all, in Warsaw. Data from the PBA that year from 26.8 to 36.3 percent. the share capital in the total value of loans that banks extended across the country. Note that a slight increase in the share – from 5.3 to 5.8 percent. – Decreased even only Wroclaw. However, in other metropolitan areas – including Poznan, Tri-City, Krakow, Katowice and Lodz – banks granted fewer loans. The participation of all the cities in the total value of loans does not exceed … 30 percent.
And as lending resulted in housing prices?
According to the data of the banking system Analysis and Monitoring real-estate transactions (AMRON) shows that last year the average transaction prices, which shows the trend, fell slightly in Gdansk. While in other major cities the average prices or have not changed (eg. In Poznan), or increased.
In general, however, these were cosmetic changes, which testify to price stabilization. f
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