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IMF wants to limit foreign exchange credits to consumer credits

IMF requested that the limitation of foreign exchange credits should be applied only to consumer credits, said Aurel Saramet, the president of the National Guaranty Fund for credits granted to small and medium size companies, Mediafax informs.

Saramet said at a seminar that the First House 4 program granted guarantees of 190 million euro and the increase rate could grow next year if the BNR regulation limiting foreign exchange credits is applied in the present form.

BNR has prepared regulations which will limit, among other things, people's access to foreign exchange credits. According to them, consumer credits will have a deadline of 5 years and clients have to bring guarantees of 133% of the loan value, while the down payment for real estate financing will be at least 30%.'For the time being there are only discussions. IMF also said it was only for consumer credits,' Saramet added.

Radu Gratian Ghetea, the chairman of the Romanian Banks' Association and of CEC Bank, declared recently that the new BNR regulations about limiting foreign exchange credits will be probably applied as of December.Ghetea mentioned that BNR and the banks had two rounds of negotiations showing that the new regulations will be applied to consumer credits not for loans made for houses. He also showed that the new regulations will not affect the First House program which is run by the government and BNR or the Association cannot impose changes.

Sursa: http://www.actmedia.eu

Tags: credits foreign consumer exchange bnr cec euro

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