That the Homeownership Guarantee Residence (WEW), which provides the NHG, Wednesday.
The fund received in the fourth quarter of last year 1210 loss claims, against 1105 in the same period year earlier. WEW takes into account a further increase in the number of foreclosures by the lag effect of the crisis.
This effect is partly because relatively more mortgage guarantees have been provided in recent years. It is expected that more homes that ‘under water’ sold as the housing market picks up further.
The average amount that the guarantee losses on the sale had to pay, increased in 2014 slightly, from 39 347 euros in 2013 to 39 240 euros. The figures refer to people who bought their homes with the National Mortgage Guarantee (NHG). This guarantee ensures a homeowner sure that a forced sale potential remaining debt is paid to the bank.
Last year, 116,100 households financed the purchase of their home with NHG, 14 percent more than in 2013. According WEW the decrease in the cost frontier July 1 last year from 290,000 euros to 265,000 euros a slight dampening effect on the growth of the number of new guarantees.
This NHG border was still temporarily in 2009 as an emergency measure increased to 350,000 euros for the housing market to boost. Then the boundary was again reduced in steps.
The premium to be paid by home buyers to get a mortgage with the exit NHG this year remains stable at 1 percent of the mortgage amount. WEW no need to increase this premium thanks ,, peace and stability in the housing market ”
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