Banks are starting to publish on their websites, in addition tothe list of auctions for selling foreclosed properties, ads fromcustomers who are not yet late on payments, but who want to selltheir guarantees in order to make early repayment on their loans,because they are seeing their financial situations deteriorate.
Lenders have therefore reached the position they most fear, i.e.becoming real estate agencies. Bankers have in the past stressedthat banks' business is completely different and that they wouldseek solutions to avoid ending up with a huge portfolio of realestate properties they have to put up for sale.
For instance, BRD has published on its own sales website over 50ads for apartments, houses, and plots of land held by customerswhose financial situation has worsened and who are seeking to sellguarantees before reaching foreclosure. But the prices aresignificantly higher than in the case of foreclosed properties.
"These are guarantees for loans that have yet to becomenon-performing. There are debtors who realise they will not havethe money to repay their loans in the future and file anapplication with the bank, requesting the amicable sale of theasset," said bank representatives.
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