Because no one has ever come up with a better method for quickly buying your own apartment,
Reasons why you should buy a flat on credit right now
First of all : too long living at the mother’s (mother-in-law) corner favors the revealing of the hidden and surprising features of the spouses / partners, and it is the character differences that are one of the most common (almost 50 percent) causes of divorces and partitions (immediately after alcohol abuse);
Secondly : low interest rates make bankers eager for profits to systematically raise their loan spreads. The latter can grow – it’s better not to wait for better times, because they won’t come and … take a loan this fall;
Third : we’ve had a huge selection in the primary real estate market for a long time! In large cities, buyers are waiting for several hundred to even several thousand ready “spots” for immediate take;
Fourth : changes in the rules for granting mortgage loans are inevitably approaching. From the beginning of 2015, from 5 to 10 percent the minimum own contribution required by banks for housing loans will increase. It is worth hurrying up;
Finally, fifth : let’s take a loan and live on our own, because others have already done it and we will regret it later. Although in Poland the credit boom from 2006-2008 is still far away, in the second quarter of this year. banks granted almost 50,000 new mortgages, which is much more than a year ago. Such a revival on the market is favored by the Flat for Youth program, which is not without flaws, allowing – after meeting certain conditions – to save a lot.
With good and bad credit
Returning to the “mortgage as a factor supporting a successful marriage,” let’s quote hard figures. In 2006, just before the boom in the mortgage market, well over 70 thousand divorced in Poland. par. Later it was only better, although each year he declares obedience over 60,000 marriages. Aware of the imperfections of such an interpretation, let us agree that a reasonably contracted mortgage – even if it does not turn out to be a panacea for all marital or partner problems – will definitely not hurt us and will be an absolutely binding cement, after all ephemeral, gusts of hearts. Especially that banks now grant such loans almost exclusively in USD, protecting us “ex officio” against exchange rate risk.