The "First Home" scheme remains bankers' hope to sell mortgageloans, but the state has not given any indication yet as to whetherit will give guarantees in 2011, as well, or not.
Mortgage sales via the "First Home" scheme, which enablesclients to take out a loan with a downpayment of just 5% of theamount, with the state fully guaranteeing to banks the amountsgranted - have slowed down in the last few months, but bankers arethinking of ways to improve the scheme for next year rather than ofdropping it completely, according to comments given by bankers atZF's request.
"Over the last few months there has been a decline in the rateof applications, and this is true for the entire banking sector. Itmost likely has to do with the decline in the incomes of somepopulation categories, as well as with messages conveyed by themedia about a prospective trend of price declines in winter," saysAdrian Jantea, manager of Promotion and distribution forindividuals at BRD-SocGen.
BCR representatives in turn talk about a slowdown in loansales.
"Over the last three months of this year, the number of loansgranted has been steady, but lower than in the similar period oflast year," say bank representatives.
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