Limiting consumer spending of households | Uncertainty – difficulties in forecasting | |
Stable prices of residential real store | Fall in supply of housing | |
Stable level of the Housing Accessibility Index | Deterioration in the economic situation of households | |
Decline in demand for housing (less competition, grater negotiation opportunities on the market) | Tightening the criteria for granting loans by banks (including in terms of own contribution, margin, maximum possible loan amount, exclusion from financing of industries particularly exposed to insolvency) | |
Easing the lending policy (drop in interest rates, statutory and non-statutory credit holidays) | Extended waiting time for the funding decision | |
Lowering total credit costs for new loans | There are no uniform credit moratoria standards for all banks | |
Improving remote customer service |
Gdańsk | −1.7% | −3.3% | −0.7% | 4.4% |
Gdynia | 1.4% | 3.3% | 1.4% | 2.7% |
Kraków | −2.8% | 2.0% | −1.3% | 0.5% |
Łódź | 3.4% | 5.4% | 0.6% | 7.0% |
Poznań | 2.0% | 0.3% | 0.4% | 2.4% |
Wrocław | 0.2% | 0.9% | 3.5% | −2.6% |
14.63% | 14.94% | 15.67% | 16.51% | 15.11% | |
6.16% | 6.25% | 6.05% | 5.95% | 7.37% | |
36.93% | 35.93% | 36.25% | 36.47% | 38.91% | |
43.09% | 42.88% | 42.03% | 41.07% | 38.61% |
Simulation name | Citi Handlowy Housing Loan for the Priority segment Margin 1.74 | Citi Handlowy Housing Loan for the Priority segment Margin 1.74 | Citi Handlowy Housing Loan for the Priority segment Margin 1.89 |
Monthly costs (from the second month) | 1357 PLN | 1268 PLN | 1153 PLN |
Total cost of the loan | 192.198 PLN | 160.137 PLN | 118.704 PLN |
Real interest | 3.8% | 3.23% | 2.46% |
Bank margin | 1.74% | 1.74% | 1.89% |
Reference rate | 1.71% | 1.17% | 0.28% |
Alior Bank | 10% | 10% | 10% |
BNP Paribas | 20% | 20% | 20% |
BOŚ Bank | 20% | 30% | |
Credit Agricole | 10% | 10% | 10% |
ING Bank Śląski | 20% | ||
mBank | 10% | ||
Bank Millennium | 10% | 10% | 10% |
Pekao Bank Hipoteczny | 10% | 20% | |
Pekao SA | 10% | 15% | |
PKO BP | 10% | 20% | |
Bank Pocztowy | 20% | 20% | 20% |
Santander | 10% | 10% (bank customers)/20% (external) |
Gdańsk | −1.0% | −0.1% | −2.2% | 2.4% |
Gdynia | 2.1% | −3.4% | −0.2% | 0.5% |
Kraków | 5.7% | 4.3% | 1.6% | 3.8% |
Łódź | −1.5% | −2.7% | −0.6% | 4.7% |
Poznań | 2.9% | 0.2% | 0.2% | 3.3% |
Wrocław | 2.0% | −3.8% | −1.6% | 2.5% |