Granted support for building savings decline

Stavebn spoitelny declared 2008 a record year. They provided the most vr in history. Meziron also concluded several building savings agreements, although the total granted support is declining. Stt spent 750 million crowns.

Spoen a sttn pspvek

The building society will start to stabilize after the change in legislation in 2003, which dreamed of a state contribution from the building society. According to the Ministry of Finance, more than 700,000 new building society contracts were concluded. This is only a little more than ten years ago, but compared to 2004, when there was a dramatic decline, ie the number is not more than double.

While the number of contracts has been growing again since 2004, the average duty has not fallen since 2001. From less than 137,000 crowns, it increased to more than 300,000 crowns by last year. But last year its growth slowed. The increase in the number of people is mainly caused by clients giving money, on the contrary, it is limited only by the number of clients for whom the optimal number of people is significantly lower than average.

Although the number of new contracts grew and so did the number of people, the granted support decreased. The reason is that more contracts, not how many people open. The number of active contracts in the savings period has been declining since 2003. In this perspective, it is interesting that the cost of per share is declining since 2005.

“Gradually, the structure of the portfolio of contracts changes. It is growing according to contracts concluded after 1 January 2004, the so-called “new” contracts with a maximum support of CZK 3,000, on the total number of building savings contracts. At the end of 2008, it was 43 percent, which is about 11.9 percentage points compared to 2007, when it was 31.1 percent. With the increasing number of contracts with the state support scheme of 3,000 crowns, the share of state support provided by the participating building society is decreasing, ”says the comment of the Ministry of Finance.

The people are gradually terminating the old building savings contracts, which are gaining a claim for state support in the amount of 4,500 crowns. At the same time, my people conclude new contracts, not how many of their contracts are terminated, and do not claim the current support in the current amount of 3,000 crowns.

Despite the decrease in the volume of granted support, this is not the case in 2003, when it was reduced for new contracts.

Through a building society, the people saved it over 400 billion crowns.

vry from a building spoen

While the number and volume of mortgages decreased last year, the number of building blocks increased. The only indicator that recorded a decrease was the number of days provided in the building savings (by less than 2 percent), but this “deficit” was largely replaced by hell baking. In addition, the volume of gout has increased despite the decline in their sweat.

The ratio of bottoms and infernal incl. After all, only 41.3 percent of the shares provided by building societies account for the sweat, their volume on the funds provided is 81.1%. This can be explained by two facts.

The first of these is the relative difficulty of obtaining the bottom of the building joint. The client must save for 2 years, achieve a high value for money and, first of all, save up to 35-50 percent of the tax. Especially the last condition determines the building compound for its volume of days, incl. In the case of infernals, the client can get funds even without a single crown.

The kind of fact is not so obvious, but the ratio of averages in hellish days and days explains much more convincingly. While the day of return is provided at the level equal to the difference between the amount of the amount and the amount of money, the client shall immediately pay the amount, the inferior part is provided at the full rate. The client does not pay, he pays only for years and reaches the time he does not gain the right to the next day’s work. Only when the sweat is “hell” on the bottom, the wall is repaid with the saved amount and the bottom is paid.

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