there are two of them — the DTI and the term. In a mortgage, there poland telegram data is another important variable — the down payment. Therefore, when establishing the MPL, you can rely on the DTI, the down payment and, possibly, the term, given that the share of long-term loans over 25 years is actively growing. But we will discuss this later.
One of the reviews, the Central Bank
also not the growth of mortgages for 30 years or more…
— Yes, the share of mortgages for a term of over 25 years has increas to almost 50%, although just a few years ago loans were issu mainly for a term of up to 25 years. As a result, in half of the loans, the craft engaging sms marketing campaigns for real estate plann repayment period falls on the borrower’s retirement age, which carries risks for both the borrower and the bank.
The fate of preferential mortgages after
July 2024 being discuss now? On the one hand, everyone agrees that the program should be curtail, on the other hand, new proposals are appearing. For example, the other day the head of the Central Bank said that it is necessary to discuss the idea of deputies about differentiat rates depending on the average income in the region.
— As far as we know, the issue of preferential mortgages is being ao lists discuss in the government. The Bank of Russia sent its proposals there. They concern, in particular, increasing the initial payment.
