Small areas of flats and cash purchases
photo: pexels.com
Prices on the secondary market in the realization of declines in cities, corrections. There are still new records on the development market. All of this happens at the time of the appraisal to access the mortgage and the fire breaks out. The latest data on the housing and mortgage market is presented in the Barometr report prepared by Metrohouse, Credipass and RynekPierwotny.pl.
Credits are plummeting, there are no buyers
The current situation in the housing market is not optimistic about buyers who dream of an apartment for their own needs. Rising interest rates go up for ever greater security in access to mortgage financing. It often happens that low creditworthiness becomes a barrier that is difficult to overcome for people of free people who want to become independent and have free space available “on their own”. Statistics published in the audit of the Metrohouse Barometer and Credipass Q3 2022, a study that the mortgage market shocks (PLN 23bn in disbursed loans in Q3 2021 vs. approx. PLN 7bn in the response period for 2022). in purchasing preferences. – It strengthened with a 50 percent additional selling price of a flat, making it an attractive, attractive part of the cities. Well, the fierce rivalry between individual buyers and investors is currently underway, the answer is that repair in all stores. You will be glad to make an appointment, make an appointment, make an appointment at home that they have even greater discounts at home. Marcin Jańczuk, Metrohouse expert, co-author of the report. – A slower market does not mean selling the sale of an extension of time on the secondary market. There is a new opportunity on the market in the vicinity of the closest ones – Marcin Jańczuk from Metrohouse adds worth.
New flats are becoming more expensive, the secondary market is down
In the Metrohouse and Credipass Barometer, it is worth joining the situation in the initial and historical market. While among the apartments, on the other hand, there are some signs of a decline in textbook prices in transactions, the readers’ market does not provide information on the waning vanity, and in each of the analyzed family valuables, they are climbing upwards. Customers are therefore entering the law in the presence of the new housing market and available housing on the secondary market. Choosing the best availability and availability selection list – especially in the context of the availability of payment services and the availability of maintenance services.
The latest drops in prices on the secondary ones, in which they are now faced in the next step, visible in Gdańsk and Kraków. In the first of these cities, prices per square meter of premises helplines were lower by 7.2 percent, the average transaction price is PLN 10,400 per square meter. Only in Krakow is cheaper, where the average decline was 5.2 percent, and We buy at the price of PLN 10,309 per square meter. In reaching two cities, ie in Warsaw and Poznań, we pay for apartments above 1%. less than the quarter before. However, there are locations where, despite the situation on the market, we record increases. They are to Wrocław (+9%) and Łódź (+9%). Wrocław, with the price of PLN 9,704 per sq m, is slowly reaching the psychological limit of PLN 10,000 per sq m. . In turn, Łódź can boast an average annual price increase, which currently amounts to 17%. – It is worth noting that the buyer is not always appropriate to the offer price and the last negotiated negotiation when it comes to negotiating price reductions – says Marcin Jańczuk from Metrohouse.
The situation on the housing market with completely different residents. The data of the RynekPoprosy portal that in all analyzed societies in Poland the prices of flats for which the purchased extras increased. The largest increases, almost 7%, are recorded in Wrocław, where currently you have to have an average of PLN 11,586 per square meter. Noticeable signs are visible in Łódź (3.7%), where the price per square is already PLN 9,000. How Andrzej Prajsnar, portal expert RynekPierwotny.pl in Warsaw, a modest quarterly increase in the price of 1 sq m may be taken as a symptom of the qualified market. – In the capital city, in the third quarter of 2022, as many as 84% of new flats had a five-digit offer price of 1 million sq m, so you know what I spend PLN 10,000. Similar images for – permanent cities were as follows: Kraków 80% of flats with a minimum price of PLN 10,000 / sq m, Łódź – 15%, Wrocław – 57%, Poznań – 38% and Gdańsk – 52%. Significant new changes due to the change concerned Wrocław between successive ones, in the same average, another return, another 7%. This is what he says during networking, remembering the times of non-boom, via the Rynek Primotny.pl portal.
We have all the global cities, it is not only noticeable that new market locations have appeared with prices above PLN 11,000 / sq m. The average clear change concerns Wrocław. In the capital of Lower Silesia, on a market that costs a lot of premises more than PLN 15,000 / sq m. To add a much larger number of such the most expensive “M” from the developers’ offer, it resulted in an almost seven percent quarterly increase in the cost of new apartments in Wrocław.
Mortgage loans in reverse
They introduced a workshop for new improvements to the borrowing trends on already available. It turns out that it can be a mountain salt. If the data is more graphical, the authors of the Barometrhouse and Credipass report estimate that closed with the value of PLN 7.4 billion of new loans. It accounts for just over 50 percent. connector from Q2 only 31 percent. volume from the same quarter of 2021
This is largely due to the sale of percentage increases – in July by 0.5% and about 0.25%, with the current reading at 6.75%, which translates into customer creditworthiness. – While a year ago a single earning PLN 5,000 net can count on a mortgage loan of PLN 485 thousand. PLN, today its capacity is now 240 thousand. zloty. Accepting the value of the city of accommodation in academies in big cities is true – comments Andrzej Łukaszewski, Credipass financial expert.
Changes in percentages and data on clerks with interesting effects on bank movements in terms of mortgage rates. – At the turn of July and this month, we could not effectively prevent customers from adding interest, which was supplemented with no changes. From September in the blood, in the blood already leveling these. Currently, the liquid interest rate on a mortgage loan with an interest rate of 20% is approximately 9.37% and a floating rate of 9.32%, says Andrzej Łukaszewski from Credipass.
Author: Metrohouse & RynekPierwotny.pl