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BRATISLAVA, July 4 (WebNoviny.sk) – The average rate of interest on home loans was 1.46% in May
According to Fincentrum, it is a matter of money. a new record. Bank customers lent more than 820 mil. euros. "We expect the June figures to be very high as well.The clients were frontloaded before the new measures by the National Bank of Slovakia
Recorded in December
The situation looked similar in December from last year, when customers have used the last chance to get a mortgage for young people with the originals and according to the analytic with more favorable terms.At that time the banks have provided more than 826 million eur, which is the highest amount since June 2016.
"Interesting will be to look at what will bring the fall. We expect the financing of 80% of the value of the property will gradually be increased by the banks. On the other hand, one of the institutions can still try to refinance itself, because the stricter conditions of the NBS do not apply in this area " Vilaggi
Ceiling of Credit [19659004] New measures of the National Bank of Slovakia are to reduce the debt ratio of Slovak households which is the highest among all the countries of the European Union
The central bank has introduced a ceiling on households will not be able to borrow more than eight times their annual income.At the same time, the income reserve has increased, which must remain after the deduction of 15% to 20% The financing of more than 90% of the value of the property is no longer provided by the banks.And gradually 80% of mortgages will be more limited
According to the analyst, the not of the National Bank of Slovakia can not be refused "They are necessary to maintain the financial stability of the banking sector. However, even with regard to upcoming changes in the real estate savings system, housing will be less accessible to young people in particular. What would be more problematic if they had an alternative in the form of a rental housing, which practically does not exist in Slovakia, " added Vilaggi
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