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Next Accuracy did not arrive, loan installments increase HOME • INSIDER • CYPRUS • Accuracy did not arrive, loan installments increase
& nbsp & nbspΘεανώ Θειοπούλου & nbsp; & nbsp ;
Borrowers will be shocked by the increase in their installments, even small ones, in July and will have to start calculating how much their budget will be burdened, whether it is for households or businesses. The second bitter taste in the new installments of the installments will take place in September, as the ECB has announced to raise the key interest rates again and the degree of increase will depend on the course of inflation in the Eurozone. The goal is to reduce inflation to 2% in the medium term.
The European Central Bank signaled last week by abolishing the net bond market from 1 July and announcing a 25 basis point increase in interest rates starting on 21 July, when the next ECB meeting will take place, with the aim of reducing inflationary pressures. This is happening at a time when food and fuel costs are skyrocketing, wages are not rising and this adds to another difficulty for households.
READ ALSO: & nbsp;
Accuracy does not go away quickly Kneeling consumers precision They are looking for new precision measures – Mini Cabinet from ΠτΔ
Macroeconomic data released by the Central Bank last Friday show that inflation for the year will close at 7%, highlighting the erosion of incomes. That is, for every € 1,000, € 70 is lost due to inflation and the real purchase value is reduced to € 930. Even the ATA can not cover the extent of the loss, although it is a privilege enjoyed by civil servants and a small number of private sector employees out of the thousands employed. In this environment of wage erosion, there are also increases in loan installments. The loans that will be affected are those that have a floating interest rate and those that have the Euribor as the reference interest rate, with the result that the expenses are more increased for households and businesses. Those who will not be affected by the interest rate increases are the customers of the banks who have chosen and locked mortgage plans with a fixed interest rate for a certain period of time.
“F” presents once again some examples to give a taste for borrowers who have floating rate loans how much their expenses will be charged in the change of monetary policy decided by the ECB.
● For a mortgage loan of € 200,000 with collateral and 20 years of repayment, the average interest rate today is 2.3% and the installment € 1,040. If the interest rate increases by 0.25% and the interest rate becomes 2.55% the installment then will be € 1,064. In case the interest rate increases by 0.5% then the monthly installment will become € 1,089. For a mortgage loan of € 350,000, the installment with the current interest rate of 2.3% is € 1,820. In case of an increase of 0.25% the loan installment goes to € 1,863 and in the 0.5% increase then the monthly installment increases to € 1,906.
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