Trends in the mortgage market in 2008 will be its future growth and the desire to de-dollarization. Commercial banks in the current year will be competing with each other not a change in interest rates, and offer new services.
Mortgage rates vary not budutKak LigaBusinessInform experts said the company "Prostobank Consulting" in the mortgage market will strengthen the role of subsidiaries of western market players, and the development of the mortgage market will facilitate the emergence of a growing number of mortgage brokers. The dynamics of the debt collection firms to continue, and the share of consumer loans secured by real estate increased.
To date, according to the company, the average effective interest rate on mortgage loans for new housing for 20 years is: 16.47% annually in local currency, 13.40% - in U.S. dollars, 12.69% - in euros, 9, 72% - in Swiss francs. Compared to September last year interest rates have not changed.
According to CEO Leonid Krasavtseva the main trends of the mortgage market in 2007, the decline in interest rates in all currencies by 0.5-1% and alignment rates on dollar loans and hryvnia in autumn 2007. The expert also noted the emergence of mortgage offers with zero down payment, the sentence "grace period" to a full or partial postponement of the loan and the failure of banks from charging monthly fees.
The year 2007 also saw the mass yield on bank lending market of land (about 10 new players) and the revitalization of the banks in the lending market suburban housing. "It should be noted hype loans in Swiss francs and refinancing programs, as well as the first placement of mortgage bonds secured by mortgage portfolio (" Privat "- on the international market," UGB "- in the domestic market).
Mortgage rates vary not budutKak LigaBusinessInform experts said the company "Prostobank Consulting" in the mortgage market will strengthen the role of subsidiaries of western market players, and the development of the mortgage market will facilitate the emergence of a growing number of mortgage brokers. The dynamics of the debt collection firms to continue, and the share of consumer loans secured by real estate increased.
To date, according to the company, the average effective interest rate on mortgage loans for new housing for 20 years is: 16.47% annually in local currency, 13.40% - in U.S. dollars, 12.69% - in euros, 9, 72% - in Swiss francs. Compared to September last year interest rates have not changed.
According to CEO Leonid Krasavtseva the main trends of the mortgage market in 2007, the decline in interest rates in all currencies by 0.5-1% and alignment rates on dollar loans and hryvnia in autumn 2007. The expert also noted the emergence of mortgage offers with zero down payment, the sentence "grace period" to a full or partial postponement of the loan and the failure of banks from charging monthly fees.
The year 2007 also saw the mass yield on bank lending market of land (about 10 new players) and the revitalization of the banks in the lending market suburban housing. "It should be noted hype loans in Swiss francs and refinancing programs, as well as the first placement of mortgage bonds secured by mortgage portfolio (" Privat "- on the international market," UGB "- in the domestic market).
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