Flats become more available. For the average we will buy more from the subway

Currently, the average monthly gross salary can be bought 0.65 sq m of apartment – according to the analysis of the Morizon -Gratka group. The price availability rate of apartments increased by 10 percent. Compared to June last year – added.

The latest analysis carried out by the Morizon-Gratka group shows that the price availability indicator of apartments in Poland offered for sale on the secondary market has been climbing up for many months. The authors of the study noticed that although it does not yet reach peak levels recorded in 2016–2018 (it is lower by about 4 percent), it “grows undeniably”.

“Its current value – 0.65 sq m. apartments for the average monthly gross salary in the enterprise sector (in units with the number of working above 9 people) – It is 10 percent higher than June last year. Assuming a further increase in wages and the maintenance of housing prices at a stable level, the availability of apartments will continue to grow, “experts said.

Advertisement

The indicator has been growing for 18 years

They pointed out that over the past 18 years, the value of the price availability of apartments on the secondary market has increased by over 50 percent. In 2007, the average gross monthly salary in Poland was statistically sufficient to buy only 0.43 sq m of apartment.

The study noted that taking into account the average remuneration rates paid in May this year published by the Central Statistical Office. in individual provinces in relation to the prices of apartments in the capitals of these provinces “The most advantageous” situation looks in the Lubuskie Voivodeshipin which one monthly net salary would be enough to buy 0.79 sq m of apartment on the secondary market in Gorzów Wlkp. (or 0.65 sq m in Zielona Góra). Experts indicated that three more voivodships record a similar, though slightly worse relationship. In the Śląskie Voivodeship, the average salary “on hand” would allow the purchase of 0.69 sq m of apartment in Katowice today.

Most of the metro Gorzów, the least in Krakow and Warsaw

Experts pointed out that in the Kuyavian-Pomeranian Voivodeship you can buy 0.68 sq m in Bydgoszcz (or 0.62 sq m in Toruń) for a salary. In the Łódź Voivodeship, monthly earnings also correspond to the price of 0.68 sq m of the average apartment from the secondary market in Łódź.

For the average net salary in the Mazowieckie Voivodeship (PLN 7143.62) and Lesser Poland (PLN 6525.58), 0.41 sq m of apartment in Warsaw and 0.41 sq m in Krakow can be purchased, respectively. Slightly more, i.e. 0.43 sq m of used apartment in Gdańsk, could be purchased by a person receiving the average salary in the province. Pomeranian (PLN 6355.31).

According to the analysis of the Morizon-Gratka group taking a loan for 25 years (with a own contribution of 20 %, APRC 6.9 percent) for the purchase of an average 2-room apartment in the capital of the voivodship in which you have employment, Today, it would require a monthly installment to pay an average of 47.5 percent. net salaries.

It is similar with loan installments

The authors of the study indicated that the smallest burden would be the loan installment for this size, apartment in Gorzów Wlkp. A person receiving the average salary in the province. Lubuskie of approx. PLN 5,631 net would spend on repayment of the loan for M3 (two rooms plus kitchen) the equivalent of 1/3 of its income (33.7 percent). Slightly larger part – about 39 percent – average monthly net salary in the province Łódź would consume the monthly installment of the loan taken to buy a 2-room apartment in Łódź.

It was also added that the same part of his salary to pay the installment would be allocated by an employee earning an average pay in the province. Śląskie – for 2 -room M in Katowice, and an employee earning the average in the province. Kujawsko-Pomorskie-for 2-room M in Bydgoszcz. In turn, the largest part of the salary to pay a loan for a 2-room apartment in the capital of the voivodship would have to be allocated by people working in those voivodships where the earnings are the highest.

The loan installment for the aforementioned apartment in Gdańsk is today the equivalent of an average of 62.2 percent. average monthly net salary in the province Pomeranian, in Warsaw – 64.4 percent average salary in the province Mazowiecki and in Krakow – 65.1 percent average salary in the province Lesser Poland.

“The presented calculations, however, relate to the remuneration of one person. In the case of purchasing an apartment on a loan by a working pair or marriage, the burden of a shared household budget resulting from the need to pay the monthly installment of the loan would be definitely smaller,” it was noted. (PAP)

AB/ Mick/