Dodano: 2008-07-22, Pieniądze | Kredyty |
Artykuł był czytany 6713 razy

"Gazeta Prawna" prognozuje wzrost kosztów kredytów mieszkaniowych, spowodowany przewidywanym spadkiem cen mieszkań.
Zdaniem gazety towarzystwa ubezpieczeniowe i banki zaczynają rozmowy o ubezpieczeniu na wypadek utraty wartości nieruchomości. W opinii niektórych ekspertów - pisze gazeta - jeszcze w tym roku korekta cen mieszkań może oscylować w granicach 10 - 16 proc., choć niektórzy przewidują nawet 20 proc. spadek.
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"Nic więc dziwnego - czytamy - że banki poczuły się zagrożone i szukają możliwości zabezpieczenia się przed sytuacją, w której klient, który wpadnie w kłopoty finansowe, nie będzie mógł spłacić kredytu po sprzedaży domu."
Część towarzystw ubezpieczeniowych ma już od pewnego czasu w swojej ofercie ubezpieczenie od takiej sytuacji. Niedawno dołączyło do nich PZU. Jednak banki dopiero teraz zaczynają się nią interesować.
Zazwyczaj koszty takiego ubezpieczenia przenoszone są na klienta, co może oznaczać wzrost kosztów kredytu. Najwyraźniej - zdaniem "Gazety Prawnej" - uwidoczni się on w kredytach na 100 proc. wartości mieszkania.
Źródło: Gazeta Prawna
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