Den tyske centralbank, Bundesbank, er bekymret over bankernes udlån til boligkøbere i et overophedet boligmarked og lægger nu op til begrænsninger på udlånene, skriver Handelsblatt. Mange boligejere har alt for lille egen-betaling, og med de ekstremt høje boligpriser og en stigende rente forværrer det boligejernes gældsbyrde og øger bankernes risici, mener Bundesbank.
Germany’s Bundesbank warns over bank loans to hot property market -report
Germany’s Bundesbank is worried about bank’s lending to overextended buyers in an overheated property market and reserves the right to impose additional curbs, board director Joachim Wuermeling was quoted as saying on Wednesday.
He told the Handelsblatt business daily the issue of residential property loans continued to rise, although buyers were bringing less and less equity with them.
“The growth is taking place in a market that is becoming increasingly vulnerable because of rising property prices,” he said, adding that there was a danger of buyers becoming over-indebted.
Wuermeling said rising interest rates also posed a threat, as banks had promised customers fixed interest rates for 10 years on more than half of all housing loans for private households.
“In the middle of an interest rate turnaround, banks would still have very low-interest loans on their balance sheets for a few years but would already have to pay higher interest rates for refinancing,” he said.
