However, growth rate is not pleasing. The rate of increase in mortgage lending is slightly lower than for the past two years. Firstly, there is no excessive liquidity that was formed by banks in previous years, and this, of course, will inhibit lending, as well as mortgage. Secondly, interest rates on loans, however, will grow, although slowly, since the resources of banks are more expensive. This means that the interbank market has become expensive, the money attracted from the population has also become more expensive, since approximately 2% have risen obligations to citizens’ deposits. Therefore, banks will be elementary forced to increase the interest on mortgages for mortgages. I believe that this is one of the reasons for this fact that citizens since the beginning of the year have become more frozen and more willing to take loans, while the rates are still located at a more or less tolerant level. Clients want to purchase loans cheaper, because they understand that the bets can soon increase “.