X-ray
In September, the average loan rate was the second cheapest of the year, ahead of May’s performance, when it fell as low as 5.54%. Evolution reflected in almost all categories of new loans:
* Consumables: Slowly (very slowly) but steadily, consumer loan rates are coming down from year highs, making the most popular type of loan for households cheaper. On loans with regular maturities, such as to buy a car, home appliances or a mobile phone, the average interest rate fell in September to 10.85%, from 11.03% in August and well below August’s 11.9% 2023 which is also a historical record high. Significant improvement, but still the market is far from its lows, where as recently as February this year, it had fallen marginally below 10% (9.99%). Credit cards are at their lowest average interest rate since October last year, at 16.5%, a point from which it is unlikely that there will be any significant improvement during the year.
* Mortgages: Mortgage interest rates are at an 18-month low, falling to an average of 3.83% in September. This is a significant improvement within the year, as in January they had closed at 4.58% which was the most expensive average interest rate since February 2009! Market experts expect further downward pressure in the next two months.
* Business: Downward trends are also prevailing in business loans which at 5.4% in September have become significantly cheaper than 6.29% in March, but financing the market remains quite expensive given that just two years ago, the average interest rate was at 2.95% in January 2022. On the plus side, since July, when it was at 5.75%, there have been three consecutive average rate cuts.
Term deposits up to 1 year (Amounts in billion Euros)
2024 | Households | Businesses |
01/24 | 3,605 | 3,605 |
02/24 | 3,910 | 3,972 |
03/24 | 4,036 | 4,725 |
04/24 | 4,334 | 4,830 |
05/24 | 3,780 | 4,345 |
06/24 | 3,314 | 4,896 |
07/24 | 4,119 | 4,281 |
08/24 | 3,258 | 3,794 |
09/24 | 3,772 | 4,116 |
Source: Bank of Greece
Interest rates on new loans – September 2024
Interest rates on new loans |
July 2024 | August 2024 | September 2024 | ||
New Loans | Consumer goods without fixed duration | 14,93 | 14,93 | 14,87 | |
Business without fixed duration | 6,48 | 6,43 | 6,29 | ||
Floating rate mortgages | 4,42 | 4,46 | 4,28 | ||
Consumer loans with a fixed term and variable interest rate | 12,34 | 12,44 | 12,04 | ||
Commercial with a fixed term and variable interest rate | 5,62 | 5,58 | 5,25 | ||
Weighted average interest rate of all new loans | 5,86 | 5,84 | 5,61 | ||
Interest margin | 5,29 | 5,30 | 5,07 |
Source: Bank of Greece
OECD: Foreign direct investment €22.1 billion in the three years 2021-2023
Greek: Riviera Tower will be completed at the end of 2026
School trips: Pierrakakis strict warning – New measures and expulsions – What will happen to the “eternal students”
Diplomacy: “Missing” the USA, Putin dances
University for artists with five departments – How will candidates be admitted
/* — PerfOps by Nuevvo (nuevvo.com) — */
// Utilities
const allScripts = document.getElementsByTagName(‘script’);
window.lst = allScripts[allScripts.length – 1];
window.isMobile=(function() {var ua=navigator.userAgent||navigator.vendor||window.opera;return ((/Android/i).test(ua) && (/Mobile/i).test(ua)) || (/BlackBerry|iPhone|iPod|Opera Mini|IEMobile/i).test(ua);})();
function asyncLoadScript(url) {
var alScript = document.createElement(‘script’);
alScript.src = url;
alScript.async = true;
//window.lst.parentNode.insertBefore(alScript, window.lst);
document.body.appendChild(alScript);
}
function asyncLoadModule(url) {
var alScript = document.createElement(‘script’);
alScript.src = url;
alScript.type=”module”;
//window.lst.parentNode.insertBefore(alScript, window.lst);
document.body.appendChild(alScript);
}
function displaySlot(id) {
if (document.querySelector(‘#’+id)) {
googletag.display(id);
}
}
// Fix OCM JS errors
window.defineSlots = function(t, r){};
/*! instant.page v5.2.0 – (C) 2019-2023 Alexandre Dieulot – */
(function(){
let t,e,n,o,i,a=null,s=65,c=new Set;const r=1111;function d
})();
// InMobi Choice. Consent Manager Tag v3.0 (for TCF 2.2)
setTimeout(() => {
var host=”eleftherostypos.gr”;var element=document.createElement(‘script’);var firstScript=document.getElementsByTagName(‘script’)[0];var url=” uspTries=0;var uspTriesLimit=3;element.async=true;element.type=”text/javascript”;element.src=url;firstScript.parentNode.insertBefore(element,firstScript);function makeStub(){var TCF_LOCATOR_NAME=’__tcfapiLocator’;var queue=[];var win=window;var cmpFrame;function addFrame(){var doc=win.document;var otherCMP=!!(win.frames[TCF_LOCATOR_NAME]);if(!otherCMP){if(doc.body){var iframe=doc.createElement(‘iframe’);iframe.style.cssText=”display:none”;iframe.name=TCF_LOCATOR_NAME;doc.body.appendChild(iframe);} else {setTimeout(addFrame,5);}}return !otherCMP;}function tcfAPIHandler(){var gdprApplies;var args=arguments;if(!args.length){return queue;} else if(args[0]===’setGdprApplies’){if(args.length > 3 &&args[2]===2 &&typeof args[3]===’boolean’){gdprApplies=args[3];if(typeof args[2]===’function’){args[2](‘set’,true);}}} else if(args[0]===’ping’){var retr={gdprApplies: gdprApplies,cmpLoaded: false,cmpStatus: ‘stub’};if(typeof args[2]===’function’){args[2](retr);}} else {if(args[0]===’init’ && typeof args[3]===’object’){args[3]=Object.assign(args[3],{ tag_version: ‘V3′ });}queue.push(args);}}function postMessageEventHandler(event){var msgIsString=typeof event.data===’string’;var json={};try {if(msgIsString){json=JSON.parse(event.data);} else {json=event.data;}} catch (ignore){}var payload=json.__tcfapiCall;if(payload){window.__tcfapi(payload.command,payload.version,function(retValue,success){var returnMsg={__tcfapiReturn: {returnValue: retValue,success: success,callId: payload.callId}};if(msgIsString){returnMsg=JSON.stringify(returnMsg);}if(event && event.source && event.source.postMessage){event.source.postMessage(returnMsg,’*’);}},payload.parameter);}}while (win){try {if(win.frames[TCF_LOCATOR_NAME]){cmpFrame=win;break;}} catch (ignore){}if(win===window.top){break;}win=win.parent;}if(!cmpFrame){addFrame();win.__tcfapi=tcfAPIHandler;win.addEventListener(‘message’,postMessageEventHandler,false);}}makeStub();var uspStubFunction=function(){var arg=arguments;if(typeof window.__uspapi!==uspStubFunction){setTimeout(function(){if(typeof window.__uspapi!==’undefined’){window.__uspapi.apply(window.__uspapi,arg);}},500);}};var checkIfUspIsReady=function(){uspTries++;if(window.__uspapi===uspStubFunction && uspTries 0) {
//asyncLoadScript(‘
adSenseSlots.forEach(function(e){
});
}
// Phaistos Adman
//asyncLoadScript(‘
window.AdmanQueue=window.AdmanQueue||[];
AdmanQueue.push(function(){Adman.adunit({id:338,h:’
// OneSignal
window.OneSignalDeferred = window.OneSignalDeferred || [];
OneSignalDeferred.push(function(OneSignal) {
OneSignal.init({
appId: “487cc53b-3b66-4f84-8803-3a3a133043ab”,
});
});
// Disqus
var disqus_config = function() {
this.page.url=”
this.page.identifier = 1556493;
};
setTimeout(function(){
(function() {
var d = document,
s = d.createElement(‘script’);
s.src=”
s.setAttribute(‘data-timestamp’, +new Date());
(d.head || d.body).appendChild(s);
})();
}, 3000);
function cmpActionCompleted() {
// OCM & DFP
//asyncLoadScript(‘
asyncLoadScript(‘
asyncLoadScript(‘
/*
// CleverCore
(function(document, window) {
var a, c = document.createElement(“script”);
c.id = “CleverCoreLoader57097″;
c.src = ”
c.async = !0;
c.type = “text/javascript”;
c.setAttribute(“data-target”, window.name);
c.setAttribute(“data-callback”, “put-your-callback-macro-here”);
try {
a = parent.document.getElementsByTagName(“script”)[0] || document.getElementsByTagName(“script”)[0];
} catch (e) {
a = !1;
}
a || (a = document.getElementsByTagName(“head”)[0] || document.getElementsByTagName(“body”)[0]);
a.parentNode.insertBefore(c, a);
})(document, window);
*/
// Taboola/Project Agora
asyncLoadScript(‘
asyncLoadScript(‘
// For Google AdSense
if (document.querySelectorAll(‘.adsbygoogle’).length) {
asyncLoadScript(‘
}
// Phaistos Adman
asyncLoadScript(‘
// Glomex
if (document.querySelectorAll(‘glomex-integration’).length) {
setTimeout(function(){
asyncLoadModule(‘
}, 2000);
}
// Dalecta
setTimeout(() => asyncLoadScript(‘ 800);
// Vidoomy
//asyncLoadScript(‘
// Weather
setTimeout(() => asyncLoadScript(‘ 1000);
/*
// Facebook Pixel
!function(f, b, e, v, n, t, s) {
if (f.fbq) return;
n = f.fbq = function() {
n.callMethod ? n.callMethod.apply(n, arguments) : n.queue.push(arguments)
};
if (!f._fbq) f._fbq = n;
n.push = n;
n.loaded = !0;
n.version = ‘2.0’;
n.queue = [];
t = b.createElement(e);
t.async = !0;
t.src = v;
s = b.getElementsByTagName(e)[0];
s.parentNode.insertBefore(t, s)
}(window, document, ‘script’, ‘
fbq(‘init’, ‘618972382017166’);
fbq(‘track’, ‘PageView’);
*/
// OneSignal
setTimeout(() => asyncLoadScript(‘ 5000);
}
// Microsoft Clarity
(function(c,l,a,r,i,t,y){c[a]=c[a]||function(){(c[a].q=c[a].q||[]).push(arguments)};t=l.createElement(r);t.async=1;t.src=”https://www.clarity.ms/tag/”+i+”?ref=wordpress”;y=l.getElementsByTagName(r)[0];y.parentNode.insertBefore(t,y);})(window, document, “clarity”, “script”, “l14tw277rg”);
// Yandex Metrica
(function(m,e,t,r,i,k,a){m[i]=m[i]||function(){(m[i].a=m[i].a||[]).push(arguments)};m[i].l=1*new Date();for(var j=0;j<document.scripts.length;j++){if(document.scripts[j].src===r){return;}}k=e.createElement
#Interest #rates #Cheaper #loans #September
All included players are not subscribed
It looks like you’re looking at a piece of JavaScript code that contains segments related to various advertising and analytics services, such as AdSense, OneSignal, Disqus, and others. The code includes snippets for loading scripts asynchronously and managing ad placements based on conditions.
Here are some key elements and considerations based on your provided script:
1. **AdSense Management**:
– The provided code includes checks for the presence of elements with the class `adsbygoogle` and contains functions to remove or load ads dynamically. This can help optimize the loading of ads based on the viewport or user conditions.
2. **Script Loading**:
– Functions like `asyncLoadScript` are used to load JavaScript files for various third-party services. These kinds of functions often execute scripts in a non-blocking manner, which can improve the loading speed of your page.
3. **OneSignal Integration**:
- OneSignal is utilized for push notifications. The script initializes the service with a specific `appId` once the page loads.
4. **Disqus Comments**:
– Disqus is commented for integration, allowing discussion on pages. The `page.url` and `page.identifier` suggest that you’d dynamically fill in this data with relevant page-specific values.
5. **Taboola and Project Agora**:
– There are placeholders indicating the integration of Taboola and/or Project Agora for content recommendations or ads. Loading these scripts asynchronously helps to ensure they don’t block other critical resources.
6. **Error Handling**:
– The script uses error handling when trying to access parent document scripts, which is good practice in scenarios where cross-domain policies may affect access.
7. **Set Timeouts**:
– The use of `setTimeout` suggests that some scripts are loaded after a certain delay, which can be useful for ensuring that the page has rendered before loading additional scripts or modules, but it should be used judiciously to avoid blocking rendering or causing content to shift unexpectedly.
8. **Commented-Out Code**:
– There are several instances of commented-out code, which might indicate that these are parts that were previously considered for use or for future implementation. Keeping the code organized and clear is important for maintainability.
### Recommendations or Next Steps:
– **Fill in the Missing Parts**: You’ll need to provide the actual URLs or relevant parameters into placeholders such as `asyncLoadScript(‘…’)`.
– **Testing**: Ensure that you test the integration of all these third-party services extensively, particularly loading order and conditions, to avoid conflicts.
– **Performance Monitoring**: Keep an eye on the performance impact these scripts may have on the load time and user experience.
– **Documentation**: Keep documentation or comments updated to explain why certain scripts are loaded conditionally or after a delay, which assists future developers or your future self.
If you have any specific use cases or issues with the code, please let me know!