TNBiz (TNBiz)
Mortgages  |  December 19, 2012 10:54:39

Interest rates on mortgages outperformed other historic lows


PRAGUE (MEDIAFAX) - The historic low mortgage interest rates fell during November, when the average interest rate on mortgages fell to a record 3.25 percent, up 0.11 percentage points. On its Web site on Wednesday said Fincentrum Hypoindex.

"The fall in interest rates has not stopped in November. Due to the recent activity of one of the largest banks in the course of your event offered a five-year rate of 2.99 per cent. During the months of this year was also achieved record volume contracted mortgage loans, were also established November's new record, "said the mortgage market Rajdl Joseph, senior analyst Fincentrum.

With low interest rates rising in his words, not only the interest of the mortgage, but also slightly increases the amount you borrow clients. In November, the average mortgage amount 1,678,914 crowns.

Mortgage loan you negotiated during the month 7,151 customers, an increase compared to October of nearly 1000 clients. "We still, however, also plays a big role refinancing, which form a large share of the mortgage market for the whole year," added Rajdl.

November volumes while housing loans for the first time exceeded 12 billion crowns. In October, while only slightly exceeded ten billion dollar threshold. So mom grew nearly two billion. "The overall highest monthly volume but still over 3.5 billion missing. Still he defends in May 2007, when volumes reached a whopping 15.698 billion crowns per month," flipped past analyst.

Banks are usually decided in November not to cut interest rates for a longer period of time, but only for a few days. Also biweekly mortgage action big banks can significantly bring down the overall average interest rate for mortgage loans.

Libra investigation Fincentrum Hypoindex the volumes of loans. Input data for calculations provide the following banks: Czech Savings Bank, CSOB, Equa bank, GE Money Bank, Mortgage Bank, Commercial Bank, Raiffeisenbank, UniCredit Bank, Volksbank CZ and Wüstenrot mortgage bank.

Jan Soukup, soukupj@mediafax.cz

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