Minder kan huisverband bekostig

2017-05-11 06:00

Minder mense kry ’n verband en dié wat een kry, moet ’n groter deposito neersit én ’n effens hoër rentekoers van die bank aanvaar.

Uit die verbandmakelaar ooba se kwartaallikse indeks oor die eiendomsmark blyk dat voornemende huiskopers sukkel om banke se kredietkraan oop te draai.

Volgens die “oobarometer” het die gemiddelde huisprys onder alle kopers oor die jaar met 3,9% tot R1 167 242 gestyg. Die gemiddelde deposito as persentasie was onveranderd op 17,1% van die koopprys, maar is vanweë die effens duurder huise gemiddeld R7 659 hoër. Huiskopers moet dus gemiddeld net minder as R200 000 as deposito neersit.

Mense wat hul voet in die deur van die huismark probeer kry, moet nou ’n effens groter persentasie van die koopprys van hul huis spaar as ’n jaar gelede.

Omdat gemiddelde huispryse van nuwe-lingkopers met 5,2% gestyg het, moet hulle R8 334 méér, vir ’n totaal van R127 526 op ’n huis van R907 693, bymekaar kry om hul eie nes te skrop.

Ooba roem hom daarop dat hy vir 71,6% van almal wat deur hom aansoek doen om ’n huislening, een kan beding. Dit is egter laer as die persentasie in 2016, van 73%.

Rhys Dyer, uitvoerende hoof van ooba, sê die styging in afgekeurde verbandaansoeke kom te midde van kwaai druk op mense se inkomste. Meer mense slaag derhalwe nie banke se bekostigbaarheidstoetse nie.

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