Bankers have lowered loan application processing fees forindividual customers to less than 400 euros as part of the newstipulations, which require them to levy a fixed fee, instead ofthe one calculated as a percentage of the lent amount, as was thecase in the past. Under the circumstances, the value of feescharged to customers can drop by as much as half.
If one considers the old fees - of 2-3% of the lent amount - itresults that for a 40,000-euro real estate loan - the client usedto pay between 800 and 1,200 euros. Customers who borrow higheramounts stand to benefit the most from the developments.
The effects of making loans to individuals more transparent arestarting to show. Loan transparency was targeted by Law 288/2010created based on the famous Ordinance 50, which entered into forceat the end of last year.
The lowering of fees will, however, at least in part be compensatedfor by raising nominal interest rates, analysts warn.
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