A mortgage with a fixac ptilette can now be obtained at the same annual rate as a mortgage with a fixac ron. Some banks have even completely unified the roen of mortgages for all fixation periods to a single value. In addition, they have adjusted their fee rates, where tenants can arrange a mortgage completely free of charge.
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).
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.
Summary for norm 2008 (data salary for natural persons)
|all fixations together||1 year||5 let|
|Change compared to the last msci|
|+ 1||+ 9||+ 1|
|Prmrn ve hypotky (tis. K)||1 792||2 191||1 654|
|Msn spltka 1mil. mortgages for 20 years (K)||6 906||6 888||6 892|
|Msn spltka 1mil. mortgages for 15 years (K)||8 196||8 179||8 183|
|According to vr for purchase on the total pot, incl||63 %||72 %||62 %|
|According to vr for construction on the total sweat, incl||23 %||18 %||22 %|
|According to other vr on the total sweat vr||14 %||10 %||16 %|
* 1 basis point = 0.01 percentage point
FINCENTRUM HYPOINDEX values the development of mortgage prices 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 returns is provided by the following banks: esk spoitelna, SOB, GE Money Bank, Hypoten banka, Komern banka, Raiffeisenbank, UniCredit Bank, Volksbank CZ a Wstenrot hypoten banka.