Bankers are getting ready to resume sale of mortgage loansthrough the 'First Home' scheme in a few days from now, after theenforcement guidelines of the fourth iteration of the scheme havebeen published in the Official Gazette. They are now conductingtalks over the guarantee agreement that has to be signed with thestate's representatives.
The government no longer allocated guarantees for this stage ofthe scheme, with interested banks set to cut their guarantees forthe loans sold in the previous years to be able to keep granting50% guaranteed loans. The law even allows transfer of portfoliosbetween banks so that the players that have not been part of thescheme yet will be able to get guarantees from the state.
The halving of the state's guarantee will allow banks tocontinue selling loans up to 1.5 billion euros, with the capcumulated by the five lenders that have already announced they areinterested to participate in the fourth iteration amounting toabout one billion euros.
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