Banks unify the year of mortgages for different fixations

After the January jump in years of mortgage rates, the development of the norms was characterized by stabilization and a sharp slowdown in the growth rate. According to the Hypoindex in the meantime, the rate rose by a single basis point to 5.55% on average over the years.

The decision-making of the National Bank on the majority of the base years of rates, which will take place on March 26, 2008, will have the greatest impact on further development. However, the decision on the annual rates must be taken a week, during which time something will change (see the situation in the USA).

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This year, a total of 4,686 mortgages were provided, with an average of 1,791,828 K, which is slightly less than in December last year, when the average of the average was 1,921,000 K.

The curiosity resulting from the current statistics of the Hypoindex is the fact that after a long period of approximately years of rates for individual fixations, the years of rates for one-year and five-year fixation have now merged, at the level of 5.52%.

Mortgage market news

The trend of approximately one-year rates in the future was indirectly supported by Komern banka, which in the first half of the year announced the unification of one-year rates for all periods of fixation from one year to 15 years. And currently offer clients an annual rate of 4.99%. The promotion applies to several applications submitted in the period from March 10 to May 16 and is contractually concluded until June 30, 2008.

Raiffeisenbank opened its mortgage offer, introducing the new Klasik Plus mortgage. According to this type of company, Raiffeisenbank expands the possibilities of financial forms of housing, for which it is not possible to secure a mortgage with a mortgage first to acquire real estate. It is mainly the purchase of a drustevn apartment and an apartment under construction as part of development projects. Clients who build dm so-called “on a green field” can get a different offer.

Raiffeisenbank allows its clients to postpone the payment of the year, but now the principal of the year and for the period of six months. The adjusted variability of the installment calendar mainly concerns debts, for which there is a temporary loss of income (loss of employment, illness, etc.).

Where can you save?

Banks in the Czech Republic encouraged the appetite of those interested in mortgage loans and thus, due to competitive offers, significantly adjusted their fee rates and announced one-off events to support the sale of mortgages. Clients can immediately pay a considerable amount of pensions at the time of arranging a mortgage.

The mortgage fee is usually the highest cost among the mortgage. And most of the Czech banks joined the first to pay this fee. The holiday fees are mainly related to, in which case the client agrees on fixing the rate for at least five years.

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An overview of some data on mortgages negotiated during the burrow is given in the following table.