Mortgages: resume from 2009, loans to households
July 5, 2009 | Written by admin | on Mortgages , Mortgage Sites
Overall, at the end of 2008, growth of loans to households should be around 2,5-3%. According to the study, the slowdown in the real estate cycle and the gradual increase in credit will lead to a decline in growth rates of loans in the face of greater liveliness' of consumer credit.
The adjustment will make the offer 'the line of demarcation between mortgage and consumer credit less and less evident, accompanied by a shift toward more and more amounts and maturities' long. In particular, in the field of
mortgages, offering policies - concludes the analysis - will be affected by the increased efficiency of credit scoring techniques (the method for calculating the solvency 'of the consumer) and supervisory review, which should be a factor in the containment of risk' in virtues 'of regulatory interventions on portability' of debt by households.
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