De Autoriteit Consument & Markt heeft een onderzoek gedaan naar de concurrentie op de hypotheekmarkt. De Autoriteit Consument & Markt constateert dat banken terughoudend zijn bij het verstrekken van hypotheken en dat ze daarom de hypotheekrente verhogen. Uit de studie blijkt verder dat strengere eisen om banken crisisbestendiger te maken, ertoe leiden dat banken hogere winstmarges op hypotheken rekenen.
Er zijn geen aanwijzingen voor kartelvorming op de hypotheekmarkt. Uit de studie blijkt wel dat er nauwelijks sprake is geweest van toetreding in de afgelopen jaren. ACM heeft geen aanwijzingen dat op korte termijn nieuwe toetreders zijn te verwachten. Vervolgonderzoek door de Autoriteit Consument & Markt moet duidelijk maken wat er voor nodig is om de bestaande drempels weg te nemen voor buitenlandse banken en andere aanbieders om actief te worden op de Nederlandse hypotheekmarkt. De nieuwe studie naar toetredingsdrempels past in de bredere focus van de Autoriteit Consument & Markt op dienstverlening in de gehele woonketen en het bevorderen van kansen en keuzes voor consumenten en bedrijven.
Bron: www.acm.nl
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