The average 20% decrease of prices for older apartments - noted by comparing prices in February 2008 and February 2009 - didn't bring any benefits for the clients, since the credits cost just as much as to cover the old price of houses because of the interests' growth, a credit scenario of the Kiwi Finance credit brokerage company unveils.

Apartments that used to cost 120,000 Euros are now 96,000, but a credit to acquire one will cost now just as the credit of the 120,000 Euros apartment used to cost last year.

In other scenarios, a family earning 660 Euros per month can obtain now a lower credit than last year. To obtain an equal credit, the family would need to earn 28% more.