Housing transactions are delayed by banks even in months, says a real estate agent
Home sale|According to real estate agent Mari Varonen, home sales can be stretched over weeks or even in months due to the slowness of banks. This, in turn, can lead to a bidding crash.
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Real estate agent Mari Varonen says that the housing stores will be freezing even in months due to the slowness of banks.
The slowness of banks is particularly emphasized around holidays and weekdays, which can lead to the fall of offers.
Bank representatives deny the problem and say they have been prepared for the recovery of the home sale by increasing staff.
Home sales Can be unreasonably long, even though it has been quiet in the housing market. The reason is the slowness of banks.
Real Estate Agency Strand real estate agent Mari Varonen Remember the case from the turn of last year, where the time to accept the bid for the deal was extended to more than two months.
Just during Christmas, the customer’s offer was approved by the loan. The deadline for the loan was agreed to mid -January. Varonen thought time enough, even though Christmas holidays and holidays were in between.
The opposite happened. It was not until early January until early January. The rear limit was moved in two weeks, but in the end it was not enough. The offer crashed, and eventually the deal did not succeed until late February.
« Even then, the bank asked the buyer why the broker was in a hurry, » Varonen says.
Most Banks seem to have challenges around holidays and everyday leaves, Varonen ponders. He tells about last summer’s case where it took five weeks to get a loan alone.
« It’s too long. The customer may already fall into other destinations. »
However, the variation is great. In some banks, things roll quickly, and the process can only pass through a week.
According to Varonen, even electronic home sales sometimes stretch tremendously, although they can be expected to be fluent quickly. However, not all shops can be handled electronically. If the second week of May starts to try, Varonen says that the trade time is likely to be only in June.
Varonen points out that the housing trade focuses at the end of the month. For him, banks should target resources according to this.
« I would love to have a service to first home buyers and the elderly that the service is going through the bank together. »
Ills They accumulate when there are many shops in the chain. Varonen states that in the current market situation this happens more and more.
« There have been up to four chains this spring. »
If there are delays in the tail of the chain, it will affect all other stores. According to Varonen, the slow operation of banks has even led to the last time the chain has been able to trade when the move from work in advance.
« These time returns to these time, and there is always a risk that someone will go to demand interest rates if you go to overtime. »
According to Varonen, the broker does a lot to streamline the shops. According to him, the intermediary’s activity and close cooperation can speed up processes.
« These can be saved a lot, but it’s not always enough. It would be a wish to get information from the banks about what we could do more. »
According to real estate agent Mari Varonen, banks should target resources, especially until the end of the month, as housing is often concentrated there.
Also CEO of the real estate world Mika Laurikainen recognizes the phenomenon described by Varonen. According to him, challenges have been experienced for a long time, but the situation has slightly improved from the previous one.
« It still seems really difficult if the trade should be done in the traditional way in the bank. »
According to Laurikainen, today, about half of the housing sales are made electronically and about half on the site at the bank. He believes that banks nowadays head for less resources for trade times.
« Once upon a time, when most of the shops were made on the spot, the banks had more people at work and had more time. »
Laurikainen also sees that the brokers also play a role in the fact that the shops are successful and quickly.
« It’s not 100 % the cause of banks. We too have a look at the mirror.
Its Instead, representatives of the banks interviewed by HS do not see the problem of availability of trade times.
Availability may vary slightly from all over Finland, but in general they have been well available to OP’s customers, says OP’s President and Customer Funding Director Hanna Heinonen.
« It is influenced by whether the shops are done digitally or on the spot. Usually, if the on -site shops are stretching, it is due to the challenges to match the day that suits all parties. »
Also Director of Danske Bank’s loan and investment services Ville Squirrel Prohibits that Danske Bank’s customers would have come across similar problems. According to him, the housing sale has been refreshed since last year.
“Last year, we anticipated that demand would start up and we were prepared for it by hiring more professionals for our teams,” says Orava.
Also Nordea has been prepared for the recovery of the housing sales, says Nordea’s Director of Personal Customers in Finland Jani Eloranta. 60 new financial advisors have been hired to respond to the situation.
However, Eloranta recognizes the phenomenon.
« We have heard a little similar from the rest of the market. Some players have had a challenge with trade times. »
According to Eloranta, the situation is facilitated if the bank has a nationwide network, as Nordea has.
« A local operator can make a greater impact if someone is on vacation or sick. It may be more difficult for them to offer trading times. »
