Bankers expect loans for homes to be unfrozen in the firstquarter of the year, after imposing less restrictive standards onthis segment compared with that of consumer loans in the last threemonths of 2009, according to a survey conducted by the NBR(National Bank of Romania).
16.4% of respondent banks say they will relax mortgage lendingterms by the end of March, while the rest expect lending terms toremain the same as in the previous quarter.
Analysts say, however, that the population's indebtedness potentialis low and that retail loans will not see a spectacular rise in2010. "Individual loans do not have very good prospects this yearbecause incomes have been adjusted, while the population'sindebtedness level is relatively high. Any rise on the retailsegment will mainly come from mortgage loans, encouraged by theextension of the 'First Home' scheme," says Ionut Dumitru, chiefeconomist of Raiffeisen Bank.
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