Demand for housing loans in December 2021 increased by 2.8%. y / y, the least in 2021 – BIK reported in a release.
The value of the index means that in December, on a business day basis, banks and credit unions sent BIK inquiries about housing loans for an amount higher by 2.8 percent. compared to December 2020
BIK reported that in December a total of 32.57 thousand people applied for a housing loan. potential borrowers compared to 33.58 thousand. a year earlier and it is a decrease of 3.0 percent. Compared to November, there were 9.7 percent less people applying for a housing loan.
Average value of the requested loan in December this year. amounted to 340.7 thousand PLN and was higher by 10.8 percent. in relation to the value from December 2020
“When analyzing the current value of the Index, it should be noted that in the coming months we may see a negative reading of the Index, which is related to two factors. Firstly, with a high base in 2021, especially in the amounts of the requested loan. Secondly, with a systematic decline in the number of people. applicants for a housing loan, which may be further exacerbated in 2022 as a result of interest rate increases, higher cost of living and the possible lack of mitigation of these negative aspects with an increase in income “- it was written.