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First Home, second stage

The second stage of the Government-sponsored First Home programme for first time homebuyers of old and new homes started today.

The second stage starts today only for the buyers of individual homes, both old and new. Those wanting to team up to build homes will have to wait for 10-14 days so that the Guarantee Fund and the banks may agree on a technical financial memorandum, according to Chairman of the Association of Romanian Banks (ARB) Radu Gratian Ghetea.

There are different levels of guarantees for applicants in the second stage of the First Home 2 programme. Thus, those seeking to buy homes that are entirely or almost entirely finished the guarantees are set at 60,000 euros, while for those seeking to build homes the guarantees are extended from 70,000 to 75,000 euros.

The programme is said to have stirred vivid interest among banks, as the ceiling of the total value requested has exceeded by almost 50 percent the initial 700 million euros ceiling granted by the Government for the programme in 2010.

The ceiling per bank is limited according to the offerings of the banks.

There are 21 banks having submitted offers for the second stage of the First Home programme. BRD has set the maximum value at 161.7 million euros; Banca Transilvania at 26.95 million euros; Leumi at 5.39 million euros; ATE Bank at 2.15 million euros; Raiffeisen at 16.17 million euros; Volksbank at 10.78 million euros; Millenium at 18.86 million euros; Piraeus at 37.73 million euros; CEC Bank at 21.56 million euros; Banc Post at 16.17 million euros; Banca Romaneasca at 53.9 million euros; Alpha Bank at 45.82 million euros; Credit Europe at 5.39 million euros; Unicredit at 16.17 million euros; OTP at 6.73 million euros; Intesa at 13.47 million euros; Emporiki at 6.46 million euros; BCR at 215.63 million euros; Garanti Bank at 13.47 million euros; Banca Carpatica at 4.31 million euros and Romanian International Bank at 1.07 million euros.

The National Guarantee Fund for Loans to Small and Medium-sized Enterprises (FNGCIMM) in cooperation with ARB and the partner banks have completed a framework cooperation agreement to make sure the second stage of the First Home programme will unfold optimally. FNGCIMM SA will be allowed to pay the guarantees as soon as the framework agreements have been signed.

The Government on February 23 approved an amendment to Law 152/1998 concerning the establishment of the National Housing Agency (ANL) advocated by the Ministry of Regional Development and Tourism, under which public housing units built and hired out by the ANL may be bought by the beneficiaries after a one-year hire, down from three years. This will allow the units to be bought under the First Home 2 programme.

Prime Minister Emil Boc has urged the banks to cut excessive red tape and display pragmatism and efficiency so as to secure a smooth unfolding of the programme.

Government Spokesperson Ioana Muntean says the second stage of the First Home programme is an improvement on the homonymous programme started off in 2010.

Sursa: http://www.agerpres.ro

Tags: euros million first homes banks programme second stage bcr otp brd cec

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