BRD and Bancpost, two top ten banks, have already announcedtheir interest to participate in the fourth edition of the "FirstHome" scheme, under which the Government only guarantees 50% of theloans sold. The decision, announced just one day after the approvalof the scheme, shows there is still interest, although severalbankers had said recently that the Government's proposals weredifficult to apply.
Representatives of the BRD, which received the second-biggestloan guarantee cap for "First Home" loans this year, say theybroadly agree with the new terms and want to continue to sell loansthrough the government scheme.
"We are open for this new stage, as well. There are a fewtechnical details that need to be analysed, but we are optimisticabout participating in the next stage of the scheme," specifiedAdrian Jantea, director of promotion and distribution forindividuals within BRD.
The Greek at Bancpost use an even more determined tone:
"Bancpost commits to participate in the next stage of the schemebecause it is very useful in the current economic context. TheGovernment has taken into account the suggestions made by banks,"said George Georgakopoulos, senior executive director, head ofhousehold lending of Bancpost. ZF has asked banks that wereallocated significant guarantee caps in the preceding stages ifthey would participate in the next stage of the government scheme.Only Bancpost and BRD answered a clear "yes", while the Portugueseat Millennium said they were looking with interest at the scheme,but have yet to make a decision. The Greek at Emporiki have alsosaid they have not made a decision yet.
The Government Wednesday adopted an emergency ordinance tomodify the parameters of the "First Home" scheme. The state willnot allocate additional guarantees to the cap used so far, ofaround 1.5 billion euros. But the banks would have to accept ahalving of the guarantees on loans already sold, with the amountreleased to be used to cover 50% of the loans sold from now on.
The maximum value of a "First Home" loan has been kept at 60,000euros for a finalised home and 70,000 or 75,000 euros for homesthat are to be built. The low 5% downpayment remains.
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