[ad_1]
It is worthwhile to remove the cornea and make the largest possible contribution to the bank – advises Jarosław Sadowski of the Expander consulting company. As he calculated, if someone will collect 25 percent. own contribution instead of only 10%, its loan will cost less to 40.1 thousand. zł.
The advantage comes from the interest rate applied to loans with high and low own contribution. According to Expander, the difference in interest rates is currently record.
– The average loan margin with the lowest own contribution (10%) is currently 2.35% and with a contribution greater than 20%. it's 2.02%, the difference is 0.33 point. percent. and is the highest since the rules stipulating that own contribution can not be less than 10%, that is to say from 2015. This means that it is increasingly profitable to To have a high own contribution because it brings more and more benefits. Preferential conditions for people with a greater contribution bring results. In the second quarter of 2017, almost half (49.18%) of newly granted loans had a own contribution of less than 20%, which fell to 41.6%, or more than 20%. the contribution was already almost 60 percent. borrowers – says Jarosław Sadowski.
In his simulation, he assumed that someone wanted to buy an apartment for 300,000 people. zł. In the variant with an own contribution of 10%, the amount of commissions and interest is added to 40.1 thousand euros. zł.
However, as the analyst points out, the collection of a high personal contribution can of course take several years and if, for example, you have to pay to rent an apartment, the benefits described will be much less.
– The cost of renting an apartment in Poland is close to the loan payment, which must be incurred for its purchase. That's why so many people decide to take out a loan with only 10%. contribution. It is true that the loan will cost more, but it saves you on the cost of renting – says Jarosław Sadowski.
As he adds, after a few years of repayment, the debt falls below 80%. the value of the apartment, we can negotiate with the bank to reduce the margin.
– If there is no agreement, we can refinance the loan, which means transfer it to another bank. In this situation, there is a good chance that the margin will be reduced if the monthly payments were repaid earlier and provided that the debt is less than 80%. property values - points out the analyst.
© ℗
Source link
