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    I mutui in Polonia sembrano folli: prestito da 120.000 → 140.000 interessi (contro 60.000 in Spagna). È normale?


    Sto esaminando i mutui in Polonia e sinceramente sono scioccato dal costo totale.

    Allegherò un grafico nel post, ma l’idea è semplice:

    Se prendo in prestito € 120.000 in Polonia intorno a 8%nel corso dell’intero periodo il costo aggiuntivo totale (interessi) risulta all’incirca € 140.000quindi finisci per pagare circa € 260.000 in totale.

    In Spagna, per lo stesso € 120.000l’interesse totale sarebbe più vicino a € 60.000 (quindi € 180.000 totali).

    Capisco che i tassi differiscono in base al paese e alle condizioni macroeconomiche, ma questo divario sembra enorme. Per le persone che hanno acquistato di recente in Polonia:

    È davvero così che funziona nella vita reale o mi sto perdendo qualcosa (commissioni, fisso o variabile, ipotesi di durata, rimborsi anticipati, rinegoziazioni, ecc.)?

    Se sei in Polonia: che tariffa hai ottenuto, fissa/variabile, e in che anno hai firmato? Qualche consiglio per evitare di pagare in eccesso (ad esempio, strategie di rifinanziamento, termine più breve, acconto maggiore)?

    (Pubblicare principalmente per capire cosa è “normale” qui e cosa è solo il caso peggiore calcolato dalla calcolatrice.)

    https://i.redd.it/aq9edrm8uj9g1.png

    di Professional-Tax3077

    View 19 Comments

    19 commenti

    1. f899cwbchl35jnsj3ilh on

      One of the reasons is flipping, and flippers people.

    3. PhotoshopIsMyDad on

      This is unfortunately normal, but you’re forgetting to factor in the currency difference. In Poland, PLN has a higher inflation rate than the EUR. Factoring in the inflation difference you’ll come up with a similar (still worse in Poland, just similar) end value after paying it off. Ideally, overpaying monthly will significantly reduce the final interest cost.

    4. BanishedFiend on

      Poland has higher inflation and a much much faster growing economy than Spain as you brought up. That usually means higher mortgage rates

    7. Bob-mp on

      Welcome to Rzeczpospolita-Ketchupowo-Deweloperska. We have biggest credit costs and most expensive m2 compared to wage in Europe.

      Ofc problem is more complex, one is that flats/houses are considered as investment for majority of janusz of buisness, since they are not clever enough to invest in stock market. Others are banks. Banks are having time of their lives in case of income in Poland grossing and beating records each year, despite that we have highest credit costs, worse standards of credits or bank account costs. Another is poor level of debate about cadastral tax, where people dumb try to convice people it’s not needed since elders who barely can buy drugs and food will lose on taxation from 3rd property. This is also one of many factors of declaining demography.

    8. wojtekpolska on

      We just let banks scam everyone. the economy is not the reason for it. banks simply realised they have a monopoly and can charge high interest, and people will still go in debt.

    10. numitus on

      It is normal because Poland have own currency. For the last 20 years Spain salary in eur increase on 50%, in Poland in 4 times

    11. Karls0 on

      That’s probably the last thing that stops apartment prices from going totally insane. Housing market in Poland is already totally sick, because it is absolutely detached from peoples income. To solve this we have to limit loans so the prices must be more rational or you would not sell it at all. Currently developers can give us literally any price, and still there will be someone to pay – 30 years loan instead of 20 years, what is the difference? You will always find someone more desperate.

    13. ProfessionalOwn9435 on

      In Poland most mortages are related to POLISH interest rate, which is higher than EUR or USD. PLN has higher rate. Inflation is sub 2,5% so below target, but interest rate is like 4%.

      It is tense topic, since there is a space for lowering it more, but also polish monetary economist have stick in ass in general, since in 90s there was mass inflation period, so they are always safe player, extra safe to the level of deflation.

      Which is probably bad, since with lower rates poland could get some extra jobs.

    15. Regeneric on

      I took a loan in Slovakian bank.
      I hope that our currency won’t crash in the next 5-7 years, so I can repay my mortgage.
      It’s so much cheaper in euro.

    17. Trantorianus on

      Join the eurozone -> lower interest rates -> lower costs -> lower mortgage costs. But the poor do never understand and the populists feed it.

    19. MartyEBoarder on

      Yes, it’s normal. They fighting hard against ownership in Poland. You will own nothing and they will be happy.

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