March 29, 2020 admin

The era of low interest rates for mortgage loans is far from over. On the other hand, it may no longer be possible to finance oneself on historically favorable conditions in recent months. If we refer to the figures communicated by various online brokers, the rate scales are already showing increases of 0.05 to 0.3 point in August.   Recent developments For eighteen months, from the start of 2012 and until June 2013, mortgage loan rates to individuals declined continuously, almost losing a point, from almost 4% to less than 3%. As the banks benefited from attractive financing conditions, they…

March 1, 2020 admin

As the number of mortgages granted to a given person increases, one can notice a decrease in the quality of these loans. This means that they are getting worse paid off. As a consequence, it is increasingly difficult to get such a loan. The last quarter of 2018 brought us tightening mortgage lending criteria. According to BIK (Credit Information Bureau), the new year began with a decrease in interest in housing loans by 8%. During this time, the average loan amount increased.   Mortgage is getting harder and harder The Polish Central Bank conducts surveys every three months. They are…