Consumer-friendly home loans are increasingly attractive

  • The home mortgage market seems to be changing: more and more borrowers are looking for qualified consumer-friendly home loans while banks are entering the market with better deals.
  • Although the rules clearly define what makes a home loan consumer friendly, there are differences, but there are cheaper designs.
  • The cheapest consumer friendly home loan is now available with a full APR of 3.4 percent, but there are more expensive designs.

The supply and demand side of the housing market is also changing, as qualified, consumer-friendly home loans are becoming more and more serious players, according to Bransh . And competition between banks is increasing in this segment as well.

More and more borrowers are looking for consumer-friendly home loans 

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Ana Mahalijo, an expert at Bransh, said: “In our experience, many borrowers are more conscious in their decisions and are aware that the total APR on so-called floating rate loans, ie 3-12 months, may be lower than a consumer loan with at least 3 years . The latter, however, are more predictable, because the fixed interest rate will not change the installment over time . ”Although there are clear rules governing which home loan is considered consumer friendly, there may be differences , so it is worth comparing the details of qualified offers.

For consumer-friendly home loans, thm, and thereby the monthly repayment premium, is set to exceed the benchmark by a maximum of 3.5 percentage points.

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In most cases, banks set interest rates at a lower level. In fact, they are bidding under each other, which makes it cheaper for borrowers. “So we also find more consumer friendly home loans in the market. In our experience, the popularity of consumer-friendly home loans can also be explained by the fact that borrowers regard the rules as collateral, “the expert said.

According to Bransh , at the beginning of January the total loan rate of the cheapest consumer-friendly home loans was 3.4 percent, but there were also higher, 4-6 percent or higher thm schemes. Banks differ in their treatment of a lender’s income; there are banks that do not, or only occasionally, consider higher income credits.

There is also a bank that offers a higher discount on higher income.


Based on past months’ experience and current outlook, Bransh expects that demand will be even higher in the consumer-friendly home loan market, meaning that borrowers will opt for floating-rate loans. Competition between banks is expected to intensify further, which may lead to a reduction in installment payments , which will benefit home buyers.

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