Rośnie zainteresowanie kredytami hipotecznymi. Dowiedz się dlaczego!

Od 2017 roku widoczne jest zwiększone zainteresowanie kredytami hipotecznymi. Z czego wynika tak duża popularność tej formy finansowania? Sprawdzamy.

Raport przygotowany w 2017 roku przez AMRON-SARFiN zakładał, że w 2018 roku banki powtórzą sukces. Przewidywania stały się rzeczywistością – w pierwszym półroczu 2018 roku instytucje finansowe osiągnęły najlepszy wynik od 7 lat. Banki udzieliły niemal 109 tys. kredytów hipotecznych – wartość umów w II kwartale bieżącego roku wyniosła blisko 14 mld zł.

Źródło: amron.pl

Widoczna jest nie tylko rosnąca liczba składanych wniosków, ale również rosnąca kwota finansowania.

Rynek kredytów mieszkaniowych – wyniki

Zgodnie z danymi, w II kwartale 2018 roku odnotowano przyrost czynnych umów z tytułu kredytów mieszkaniowych na poziomie 1,14%. W porównaniu z liczbą aktywnych kredytów hipotecznych na koniec I kwartału, banki osiągnęły wzrost o 24 687 sztuk umów.

Poniższy wykres obrazuje, jak na przestrzeni lat rosła liczba czynnych umów kredytowych:

Źródło: amron.pl

Dlaczego Polacy tak chętnie zaciągają kredyty hipoteczne?

Polacy zaciągają kredyty hipoteczne z jednego głównego powodu – chcą pozyskać środki na zakup nieruchomości (np. mieszkania) lub budowę domu jednorodzinnego czy zakup gruntu budowlanego. Czasami jest to jedyna droga do realizacji marzeń o własnym mieszkaniu czy domu – nabycie nieruchomości za gotówkę, chociaż cieszy się rosnącym zainteresowaniem – nadal znajduje się poza zasięgiem wielu Polaków.

Taka sytuacja nie jest jednak żadną nowością – skąd zatem wręcz rekordowe zainteresowanie kredytami hipotecznymi? Powodów jest kilka.

  • Bardzo dobra sytuacja ekonomiczna gospodarstw domowych

Jak wynika z danych Głównego Urzędu Statystycznego (GUS), pensje Polaków rosną najszybciej od 9 lat. W kwietniu 2018 roku wynagrodzenia odnotowały rekordowy wzrost na poziomie 7,8%. Obecnie przeciętna miesięczna płaca wynosi 4 840,44 zł.

Lepszej sytuacji ekonomicznej towarzyszy jednocześnie większy optymizm związany z sytuacją finansową w przyszłości. Polacy mają dużo mniejsze obawy co do spłaty zaciągniętego zobowiązania, dlatego chętniej składają wnioski o kredyty hipoteczne.

  • Korzystne warunki finansowania

Kredyty hipoteczne udzielane są na dość korzystnych warunkach finansowych. Sprzyjają temu rekordowo niskie stopy procentowe, które od marca 2015 roku utrzymują się na niezmiennym poziomie. Analitycy przewidują, że podwyżki zostaną wprowadzone dopiero na koniec drugiego kwartału 2019 roku. To z kolei przyczyni się do wzrostu miesięcznej raty kredytu.

Dlaczego kwoty kredytów hipotecznych są wyższe?

Biorąc pod uwagę wyniki bieżącego raportu, zauważalny jest wzrost kwot kredytów hipotecznych. Eksperci są zdania, iż wynika to przede wszystkim ze wzrostem cen nieruchomości. Wzrost średniej kwoty wnioskowanego kredytu jest bardzo zbliżona do wzrostu cen nieruchomości.

Niemałe znaczenie ma również coraz lepsza sytuacja finansowa kredytobiorców. Osiągając nieco wyższe zarobki, mogą pozwolić sobie na większy metraż czy zakup mieszkania w bardziej prestiżowej lokalizacji, np. w samym centrum miasta.

Chcesz zaciągnąć kredyt hipoteczny, jednak nie wiesz od czego zacząć? Skontaktuj się z naszą kancelarią – przeanalizujemy Twoje oczekiwania, pomożemy w wyborze korzystnej oferty kredytowej oraz udzielimy wsparcia przy dopełnianiu formalności.

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