The results of mortgage banks improved significantly compared to January. The amount and volume of loans provided has increased, but it is still time to talk about the spread of the mortgage market.
After the New Year’s fast, mortgage banks are gradually starting to start trading. As part of the Fincentrum Hypoindex statistics, a slight interim improvement was recorded in all categories mapping the business results of mortgage banks. Only January was a clear decline from the banks’ point of view, and the standards of statistics lag so far behind all previous years. The salary that clients do not rush to bank branches for new vry pli.
In November 2009, mortgage banks issued a total of 3,204 new contracts in the total amount of CZK 5.57 billion. A positive finding is the fact that, in addition to the increase in sweat and the volume provided in the meantime, the average number of mortgages increased in the meantime, amounting to 1,739,468 crowns.
The average rate of all mortgages provided, regardless of the fixation period, stagnated this year. In the meantime, the value of the comprehensive Fincentrum Hypoindex increased by only one hundredth of a percentage point to 5.75%. The same movement, one basis point up, was shown in the summer hole by mortgages with a one-year fixation period, their year’s rate rose to 5.94%. Those who glued the bag in the meantime were “Norwegian clients” with an agreed fixation period of five years. On average, the rate on these mortgages fell by 6 hundredths of a percentage point to 5.58%.
As in previous months, there was an abysmal difference in the diameter of the average in the hole depending on the chosen fixation time. Clients with a short fixation drew an average of more than two million crowns (2.073 million crowns), while clients with a five-year fixation period took an average of 1.528 million crowns from the bank.
At present, the future development of annual rates cannot be clearly estimated. Some experts argue that the competition and declining years of rates on the interbank market direct banks in the coming months will reduce years of mortgage rates.
The kind of central spectrum of space for dreaming of rates in the market is invisible on the market and predicts long-term growth in rates. In the current situation, twenty are recommended in any case except one, and thus it is strongly recommended to choose between individual mortgage providers really weeds. The difference in the end of the year rates can be 0.5 and 1 percentage point.
Where can you learn?
Komern banka’s clients now have the opportunity to get a favorable and guaranteed annual rate of 4.99%. The offer applies to a mortgage Klasik (maximum in mortgages answer 85% of the value of the mortgaged property). The condition is to arrange mortgages with a fixation period of five or more years and business in the period from 16th to 30th April 2009.
Komern banka offers clients a permanent – 100% – discount on the processing fee on the Czech market of mBank, Raiffeisenbank, esk spoitelna and a flat fee of CZK 2,900. In addition, a number of banks do not charge clients a fee for issuing mortgages if they decide to refinance their existing mortgage with a new loan.
News on the hypotenm market
Hypoten banka introduced to the public a novelty called Hypotka po webu, thanks to which the client can manage the overwhelming majority of the administration associated with the mortgage message from home via the Internet. The client sets the main parameters of his mortgage and then, together with personal data, he sends it to the bank, he can create his data entry for future communication with the bank, which will process the mortgage.
In the next step, the client fills in enough about the mortgage and documents are required, which I can send to the bank electronically or then. After receiving all the necessary documents, the bank approved the mortgage. The client receives the mortgage contract electronically and is asked to sign it at a pre-selected branch.
As of March 31, 2009, Komern banka will start offering its mortgages the possibility of concluding binding ability to meet. The client can choose me from several variants. In addition to insurance in the event of death and full disability, I can also arrange insurance against incapacity for work and, in a comprehensive variant, in the event of loss of employment.
|Summary for nor|
|Fixation period of the rate years||all fixations||1 year||5 let|
|Hypoindex||5,75 %||5,94 %||5,58 %|
|Change from last msci (bp)||1||1||-6|
|Prmrn ve hypotky (tis. K)||1 739||2 073||1 528|
|Msn spltka 1mil. mortgages for 20 years (K)||7 019||7 127||6 921|
|Msn spltka 1mil. mortgages for 15 years (K)||8 303||8 403||8 211|
|According to vr for purchase on the total pot, incl||62 %||67 %||60 %|
|According to vr for construction on the total sweat, incl||20 %||18 %||18 %|
|According to other vr on the total sweat vr||18 %||15 %||22 %|
Indicator methodology Fincentrum Hypoindex: Fincentrum Hypoindex values of mortgage prices in 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.
Conditions inside the Fincentrum Hypoindex indicator: Fincentrum Hypoindex can only be released with the designation “FINCENTRUM HYPOINDEX” and the source “Hypoindex.cz” (in the case of Internet media with an active click on http://www.hypoindex.cz/).
Vce si pette na Hypoindex.cz.