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statystyczny polak
Zdolność kredytowa statystycznego Polaka, w ostatnich czterech miesiącach, spadła o 30 procent. W najbliższym czasie ten spadek może się jeszcze pogłębić. Według szacunków Biura Informacji Kredytowej, może on sięgnąć nawet 45 procent w stosunku do sytuacji sprzed roku. W 2021 roku Polacy zaciągnęli kredyty mieszkaniowe za niespełna 89 miliardów złotych. Wielu nawet ludzi niby wykształconych potwierdza swoim położeniem, że brak im edukacji finansowej (matematyka) – umiejętności zarządzania własnymi pieniędzmi, oszczędzania (gromadzenia majątku), inwestowania (budowania i pomnażania majątku).
Na starość przychodzi emerytura i..... bieda, problemy finansowe i długi. Przeczytajcie sobie ksiazkę Jacka Borowiaka pt. "Chcę być szczęśliwy i bogaty, a nie tylko szczęsliwy". Pokazuje podstawy tworzenia majątku i wolności finansowej, by nie musieć pracować do końca życia – na rzecz Państwa i nierobów. Mieszkania na obecną chwilę nie stanieją nie ma takiej możliwości aby ceny poszybowały mocno w dół.Korekta owszem ale 2-5% max na to co zostanie na rynku .Developerzy na obecną chwilę wykańczają już sprzedane mieszkania z odbiorem kluczy kwiecień-lipiec tego roku.Nowe inwestycje pomału zostają ogłaszane z realizacja na II- III kwartał 2023r. Producenci materiałów w każdym mc.ogłaszają podwyżki itd. Grunty w odległości 15-20 km od dużych miast poszybowały w górę prawie o 100%. Jestem w temacie od 20 lat i tanio już było.Kredyty były tanie przez ostatnie 2-3 lata.Opłacało się zaciągnąć kredyt i obrócić tymi pieniędzmi przez ten okres i spłacić kredyt w całości . Fakt obecna sytuacja spowolni rynek nieruchomości i nie tylko ten sektor to odczuje. Nowy program rządu jak go nazywam Apokaliptycznym daje furtkę na duże ulgi tym co mają grubsze portfele na inwestycję w nieruchomości zabytkowe z tego co słyszę już zaczyna się wyszukiwanie falwarków,dworków,innych zabytkowych nieruchomości do remontu .Własne mieszkanie to pętla kredytowa na całe życie i utrata wolności! Na zachodzie mieszkań się nie kupuje. Wzorem zachodu trzeba budować mieszkania pod wynajem za dostępną i uczciwą cenę!
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Commentaires
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