Financial supervisory authority relaxes requirements for real estate loans Published on 04/30/2025 at 05:19FRANKFURT (dpa-AFX) - According to the financial supervisory authority Bafin, the situation on the residential real estate market has eased. It is therefore relaxing its lending requirements for banks. As a result, institutions were able to grant consumers cheaper loans for apartments and houses.Specifically, the Federal Financial Supervisory Authority (Bafin) is reducing the capital buffer introduced in April 2022, which banks are required to use to specifically secure residential real estate loans, from two percent to one percent. When the buffer was introduced, banking associations warned that private residential construction would become more expensive as a result.Real estate market has cooledResidential real estate has become significantly cheaper since mid-2022, the peak of the years-long boom. The main reason was a sharp rise in interest rates, which made loans more expensive. Many people can no longer afford their own four walls, and sellers have had to lower their asking prices. Real estate prices have stabilized since last summer.At the same time, Bafin warns that there is still "increased uncertainty," for example due to geopolitical tensions and trade conflicts, as well as the economic slowdown in Germany. This could weigh on the still relatively robust labor market, "so that the probability of default on residential real estate loans could increase."Risks for the export-dependent German economyBanks must make additional provisions for general risks, including those arising from the economic downturn. The countercyclical capital buffer remains unchanged at 0.75 percent. This ratio refers to an institution's risk-weighted assets. These are a bank's total assets – such as loans to customers – multiplied by their respective risk weightings. The less risky an asset is, the less capital a bank has to hold against it.According to Bafin, Germany's banks have a total capital buffer of more than €20 billion. In the event of a crisis, the supervisory authority can release these buffers so that institutions can offset losses and are not forced to restrict their lending excessively.
Csúnya havi gyertyája csak az LVMH-nak és a Stellantisnak van. Persze ha változik valami a vámháború fronton, ezek mehetnek a legnagyobbat. Legjobbak: X-Fab, Alfen Jók: Bayer, Polytec, Vodafone, Voestalpine Többi ígéretes.
de ez a képeken is látszik. Szerintem forgalombahelyezhető, ha nem körözik más országban. Bár azt nem tudom, mi van, ha mondjuk lízingelték, nem fizették Németországban, de Magyarországon hatósági árverésen meg tulajdonjogot szerzel. Ne menj vele külföldre :) Jó a felszereltség, tolatókamera, Distronic plus, memóriacsomag, üléshűtés, multikontúr ülés, panoráma üvegtető, keyles, designo bőr, dvd! -keyless kulcsokat készíttetni kibontott modul alapján -ha a COC papírja nincs meg, akkor a TÜV KTI ad igazolást, hogy megfelel európai autónak -nem szép dolog a NAV-tól, hogy a Fahzueughalter nevét és címét nyilvánosságra hozzák a forgalmi fotóval -az OM642 motornak azért lehet baja, futásteljesítmény meg nincs leírva, bontott motor nem olcsó Szerintem ha mindene működne, csak kulcsok és papírok kellenének, az lenne kb 1M (460 ezer a coc papír), és ha csak kicsit elhanyagolt, még 1M a megfelelő első szerviz. Nekem annyi roncsom van, hogy biztos nem kéne.
Kinek a pap, kinek a papné. A bikákat vadítja a piros, de a csajoknak bejön. - Főleg cupéban! Vagy mondjam azt, hogy átfóliázzák amilyen színűre akarod?
Eurós részvények vitasarok