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Changes in the loan market – financing the purchase of a house is now more available than you think
- 11 January 2023
When buying an apartment, do you value time, convenience and as few formalities as possible when financing it? You’ve come to the right place! When following current trends in the real estate market, it is impossible to ignore the topic of loans. We already know that we are witnessing major positive changes in the credit market.
If you have a stable financial situation, a job and regular earnings, it is definitely worth considering purchasing an apartment in the Bliskie Piaseczno estate partially financing the purchase with a loan. Do not postpone such an important decision as buying a flat for an indefinite future. There is a lot of risk, someone may be quicker and buy the apartment you have chosen and dreamed of, or its price may increase over time.
The real estate market, despite the general economic situation, is doing well. We observe this on the example of our housing estate. The investment is safe and secure, and above all, the planned works are carried out according to the schedule. We understand the market realities perfectly and we know that many of our clients decide to take out a loan. But a loan is not a sentence. We have good news for all borrowers. We are observing a visible decline in loan margins and WIBOR, which may indicate that the phase of interest rate increases is over. Banks began to include sources of income (previously not included) in creditworthiness, e.g. the 500+ program, real estate lease agreements, as well as civil law contracts. The banks are also more lenient towards customers running business activity. The processing time for loan applications has been shortened. Another thing is the abandonment of bridging insurance, which made the loan more expensive in the first years of repayment and reduced creditworthiness.
All these elements look promising, and we will help consolidate this knowledge and expand it, which is why we offer expert service in this area. During a conversation with a financial expert, you will receive a calculation of your creditworthiness and an appropriate bank offer that suits your capabilities and needs. Make an appointment with an expert today, check your creditworthiness and choose an apartment in the Bliskie Piaseczno estate, and you will receive the keys in the middle of this year!