In BiH, mortgage activation rarely occurs.
The FBiH Banking Agency states that only 1.5 percent of housing loans are recorded as poor quality.
In the past period, a small number of citizens remained without their real estate due to the activation of mortgages that banks access due to the outstanding credit obligations.
The number on how many in the Federation of BiH during, at least, last year, on the basis of the collection of receivables in the sector of natural persons, the mortgage, as well as the amount of which the amount was the same.
“Banking Agency of the Federation of BiH does not have separate receivables data in the sector of natural persons. The collection of receivables from collateral in the day of 30. That only 1.5 percent of housing loans are recorded as a non-performing claim that the mortgage is rarely used As a collection instrument, “the banking agency states Avaz.
The RS Banking Agency did not receive answers regarding this topic.
Berislav Kutle, an economic analyst and former director of the BiH Bank Association, says that the activation of the mortgage in BiH is not legally well regulated.
“By activating the mortgage, the trial and the Bank is not sure to take that mortgage after activation. It is necessary to charge only as a formal reason, as opposed to the European Union countries within which the Kutle explains.
It also states that, in general, the possibility of lending banks is much higher than the needs of BiH and that it is much higher on the deposit side, on which, even, have a safer earnings.
“The most loan in BiH is medium-term, because it is the structure of the population. The purchasing power is mean, because the average salary is small and, in fact, there are no great expansion,” he says.
It also says that banks realistically have much higher financial opportunities in liabilities today than is the need for lending.
“And then they offer, ie the various conditions of the low interest rate, especially large businessmen where those are less than two percent, which is below all European criteria,” the Kutle points out.
