The 200 million-euro guarantee cap set by the Government for the'First Home 3' scheme is being spent quickly, with BCR and BRD, thebanks with the highest amounts allocated as part of the schemereporting that they have over 1,200 applications under processing,which means there could be over 2,000 applications being processedon the overall market, but the Loan Guarantee Fund for SMEs has sofar approved around 650 applications.
The scheme became operational at the beginning of February, whenthe guarantee caps were allocated. The two players have a cumulatedguarantee cap of around 100 million euros, i.e. half the totalamount available.
BRD, the second-biggest local bank in terms of assets, yesterdayannounced it was analysing 500 'First Home' applications.Considering that the average value of mortgage loans sold throughthis scheme is around 40,000 euros, it means the bank has alreadyfound customers for 20 million-euro guarantees, compared with the32 million euros available.
BCR, the biggest local bank, had announced at the beginning ofthe week that it was reviewing 735 applications for "First Home"loans, worth 30 million euros. The bank has a 64 million-euroguarantee cap allocated.
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