Market watchers have been predicting that mortgage loan interest rates would stop falling for months now. But having broken below the 2% barrier in November, the decline in rates soldiered on down, hitting 1.94% in January, according to Fincentrum's Hypoindex. The ongoing decline is confounding experts, who expected the rising cost of money and the gradual increase in the levels of credit risk would cause banks to tighten their lending practices. "But the percentage of non-performing loans so far isn't as high as the banks expected during the first wave of the pandemic," says Jiří S . . .
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