Easy loans - a trap for optimists ?

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Easy loans - a trap for optimists ?

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Saturday, 09 May 2009
Customers of banks continue to willingly go back to the mortgage loans. Cheap money and drożejący square meter is driven by credit market conditions. Matzos carefree mood, however alarming news from behind the ocean. Pessimists frighten the collapse of the real estate market and the wave of bankruptcies of borrowers and banks. But is actually credit boom a bit of a scenario of the U.S.? Mortgage market in Europe is experiencing a good moment - the value of the borrowers obligations zaciąganych growing continuously for several years. In the first quarter of 2007, banks' credit portfolios was enriched by 11 billion zlotys nowoudzielonych credits. In relation to the same period the previous year, this meant an increase of almost 75%. These figures surprised even optimistic experts with a view, you can be sure that this will be a record year for all institutions that have decided to aggressively fight for its share of the mortgage market. The rapid increase in commitments for housing purposes zaciąganych does not seem to inhibit despite unfavorable from the viewpoint of borrowers circumstances. Introduced in mid-2006 as suggested by the Commission for Banking Supervision in the tightening of procedures for granting loans denominated in foreign currencies ( "Recommendation S") to impede access to credit, calculated by reducing the creditworthiness of the banks customers favoring this type of commitment. Zaciągający commitments in U.S. dollars may be concerned credit, although experts argue about the scope and nieuchronności increase in interest rates over the medium term. In turn, rising real estate prices make finding new accommodation, we must be prepared to spend much more than a year ago. Prices of apartments in major cities have already reached the ceiling of a large part inaccessible to purchasers. Housing demand, therefore, began to migrate to the edges of cities - are becoming rapidly hit drożejące land. Revenue borrowers do not grow at such a rate to match pnącym up housing prices and the earth. For those who do not want to lose the dreams of their own four walls mortgage is a must. In addition to its own angle has not proven to be too tight, you need to borrow much more than the sum of a few months ago. In such circumstances, many of the banks' customers must reckon with the refusal to grant credit - their creditworthiness may be insufficient for the task.
Last Updated ( Saturday, 09 May 2009 )

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