Poles can afford such apartments. “Time plays in favor”

– Still time plays in favor of average borrowers. In April, developers launched a large pool of apartments in the popular segment, or “on the pocket” of borrowers. Thanks to this, they could change in more offers – says the expert of the RynekPierwotny.pl portal.

The authors of the publication also point out that despite the reduction in May interest rates Through the Monetary Policy Council by 0.5 percentage points and an increase in creditworthiness in April by an average of 5 percent, the credit market has not yet felt revival.

The analysis of rankomat.pl shows that A single earning 6,000 PLN on hand, in April he could count a housing loan in an amount close to 404.8 thousand. zloty. This is the amount by nearly 19.3 thousand. PLN greater than a month earlier and 26.8 thousand PLN greater than in January.

In turn, average creditworthiness childless steam, with net earnings of 8,000 PLN, increased in April to approx. 523.3 thousand zloty (by PLN 23.7 thousand compared to March). In turn, couples with a child earning 10,000 PLN on hand, up to approx. 603.8 thousand PLN (by PLN 15.5 thousand).

“It should be added that individual banks assess their creditworthiness differently, hence huge differences. For example, in the case of single or single with a hand of PLN 6,000, the difference between the most and the least generous bank in the ranking was nearly PLN 133,000 in April, and in the case of the family with a child reached as much as PLN 188,000.” – the authors of the report point out.

They emphasize, however, that “thanks to their own contribution, the amount for the purchase of the apartment is greater. In April, the 2+1 family could afford to spend nearly PLN 754.8 thousand, and a childless couple – nearly PLN 654.1 thousand.

Data from Big Data Rynekpierwotny.pl data shows that in April “the largest selection of apartments at the price of up to PLN 506,000 was in the cities of the Upper Silesian-Zagłębie metropolis (nearly 3.9 thousand premises with a disclosed price) and in Łódź (over 3.6 thousand). In both metropolises, the pool of apartments available for average earning singles and borrowers It increased within a month by 587 (+18 percent) and 647 (+22 percent) of premises, respectively. ”

In turn, “the least, because only less than 600 were in Krakow. However, a month earlier there were as many as 279 apartments within the range of singles and singles.” According to the authors of the analysis “relatively small compared to other metropolises, the offer also took place in Warsaw – from 407 to 565 premises (+39 percent). In Wroclaw we had a real flood of premises at a price of up to PLN 506,000. In April their offer increased by as much as 67 % – from 624 to over a thousand. The offer in the Tri -City (from 967 to nearly 1.3. thousands of premises) and Poznań (from less than 1.3 thousand to approx.

The authors of the analysis point out that “in most of the largest metropolises single and singles could afford at most a two-room apartment, although in Łódź and Górnośląsko-Zagłębie metropolis they would also find three-room without any problems.”

The largest increase in the number of premises available in the offer of developers for childless couples, because by nearly 1.2 thousand pieces, was recorded in April in Wrocław. “At the end of April there were about 3.8 thousand (+45 percent). With over 800 apartments with a price below PLN 654.1 thousand, the offer of development companies in Krakow increased (up to approx. 2.6 thousand), by over 700 premises-in Warsaw (up to about 3,000), over 600-in the Upper Silesian-Zagłębie metropolis (up to 6.7 thousand) Over 400 – in Poznań (up to approx. 4.3 thousand) and Łódź (up to approx. 6.6 thousand), OI over 300 – in the Tri -City (up to about 3,000 premises).

According to experts, “There are quite a lot of three-room premises within the range of this group of buyers, in Łódź and Górnośląsko-Zagłębie Metropolis even four-room. The first ones, apart from the two metropolises mentioned, will find childless couples in Poznań (741), Tri-City (654) and Wrocław (422). In April, mainly studio apartments and two -room apartments could be bought in April.

“In the best situation, the average earning families with the child are, because with their creditworthiness in each of the metropolises they could change in thousands of apartments offered. Importantly, their number increased in April,” the authors of the publication emphasize. As they add, “most apartments in the financial range of such families were in the cities of Upper Silesia-Zagłębie Metropolis (about 8.1 thousand) and Łódź (over 7.5 thousand), and the least in the Tri-City (about 4,000 premises)”.

As they emphasize, “having at their disposal PLN 754.1 thousand in almost all metropolises within the range there were even four-room and larger apartments. The exception was Krakow (only 18 apartments) and Warsaw (29). The most such large meters were in March in the Upper Silesian-Zagłębie metropolis in March (505 premises with a disclosed price) and boats (335). developers in Poznań (91 apartments), Wrocław (94) and Tri -City (100) “.

“It is worth noting that in those areas of the metropolis, in which there are the most development investments, buyers can still count on price abbots” – sums up experts.