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BCR – loans in amount of EUR 300 million under the Program First House 4

BCR – loans in amount of EUR 300 million under the Program First House 4 Romanian Commercial Bank (BCR) granted to date, loans in amount of EUR 300 million within the Government “First Home 4” Program and thus, helped nearly 8.200 families to buy their first house.

BCR began, on June 6th this year, financing within the Program “First House 4”, being the first bank in Romania that joined in this stage of the program. Granting of First House loan rate is much more accelerated in stage 4 in comparison with the previous stages.

So far, BCR has granted over 23.000 loans within the 4 stages of the Program First House, the volume of these loans being approximately in amount of EUR 900 millions.

The average value of a loan from the First House 4 Program is in amount of EUR 37.700, in decrease towards the first stage of the program when the average value was of EUR 41.200. In addition, the average value of the advance paid by the clients to purchase their first house was of 10%.
The clients have thus benefited by the preferential interest conditions and advance granted throughout the program.

In terms of profile customers beneficiaries of loans granted for First House 4, these are young men (25-34 years) who have taken the loan on a 30-year period.

Can obtain a First House 4 loan any individual who has not owned solely or jointly with husband or wife, a house, irrespective of the manner and time when it was acquired, or who owns the exclusive property or together with the husband or wife, more than a house, acquired otherwise than by the Program, in a useful area less than 50 sqm.

The first step a person has to make in order to buy a house through the First House Program is to come to the bank, even if he has not yet found the house he needs. BCR counselors will present the details of the loan, the necessary documents for the loan file, the preliminary estimated value of the loan and the monthly installment to be paid.

The interest is variable and consists of 3 months Euribor plus a margin of 4%.

Thus, for a loan of EUR 40.000 de euro, for a period of 30 years, the monthly installment at the moment (varies depending on EURIBOR) is of EUR 224.

The customers must have a personal contribution (advance) of minimum 5%.

The Bank accepts up to 3 co-payers. No commission is charged for granting loan or monthly management fee. The fee for early repayment is zero.

The loan is partially guaranteed by the Credit Guarantee Fund for SMEs (FNGCIMM), the guarantee issued by FNGCIMM, in the name and the state account, having determined value, initially equal with 50% of the granted loan value. According to law, the client has to pay a management fee of 0,49% due to FNGCIMM applied to the value of the guaranteed funding – so half of the value of the granted credit. Also, the beneficiaries of credits obtained within the first 3 stages of the program will pay a lower management fee than in previous years – because the percentage of 0.49% applies to half the value of the outstanding balance and not to the integral balance, as in previous years.

If the client requires the FNGCIMM a guarantee promise, he will pay a unique analysis fee of the guarantee promise of 0.15% from the value of the guarantee promise. The validity of the guarantee promise is within the construction period, but not more than 18 months.

Romanian Commercial Bank (BCR), member of Erste Group, is the most important financial group in Romania, including specialized companies on the leasing market, assets management, private pensions and housing bank. BCR is No.1 bank in Romania on the assets value (over EUR 16 billion), No.1 Bank by number of clients and No.1 bank by savings and financing segments. BCR is the most valuable financial brand in Romania, according to the clients degree of confidence and to the number of those for which BCR is the main institution with whom they are banking.

BCR offers a complete range of products and financial services through a network of 48 business centers of business for companies and 668 retail branches located in major cities across the country with over 10.000 inhabitants. BCR is No.1 in Romania on the cards market and bank transactions, BCR clients having available the biggest national network of ATMs – over 2.000 ATMs and POSs – over 18.000 card payment terminals to merchants, as well as full service internet banking, phone-banking and e-commerce.

Erste Group is one of the leading financial providers in Central and Eastern Europe. More than 50.000 employees serve over 17 million clients within 3.200 branches in 8 countries (Austria, Czech republic, Slovakia, Romania, Hungary, Croatia, Serbia and Ukraine). On September 30, 2011, Erste Group had total assets in amount of EUR 216,1 million, recording an operating profit of EUR 2.631.9 million and a cost/income ratio of 52.4%. .

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OK, nowhere near a coenmmt for this post but I just read this. Bring me up to speed (really) wasn't John Oram mister Trident? Whatever: read this!Trident name returns to company founderAfter some years of negotiations, it has been announced that PMI Audio UK have acquired “the trademark rights, intellectual property rights, goodwill and assets of Trident Audio Developments”. The move sees the brand back with the company’s founder Malcolm Toft, who will continue to develop new designs under the Trident name. Commenting on the purchase, Malcolm Toft stated “Trident has always enjoyed a very high reputation for its products both from a reliability as well as technical point of view. Also, because my background is as a recording engineer, it has a very good understanding of the operational and ergonomic aspects of recording consoles together with an ability to design equipment that on critical listening tests is very pleasing to the ear.”
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mJPrKS wow, awesome post.Thanks Again. Will read on...
Hello there, I am Mr chris peter.A legit loan lender.Are you into debts? Do you have a bad cderit?Are you financialy down.I give out loans at low interest rate of 3%.I give out loan to Business,Auto and personal loan to Men and women who are into Business transaction, I give out long term loan for three to five years maximum with your interest in this you can as well tell me the amount you need so that I send to you the terms and condition that is if you are realing interested in getting a loan from me, Loan is given out in Pounds and $ US and SGD the maximum I give is 5,000,000 both in pounds and $ US and the minimum 1,000 pounds and US$ and SGD so if really you are interested mail for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we take a loan and pay back after duration with the interest, if you are honest I will trust you because I like to do business with Honest people if you are one you will get the loan with out problem and for your information if you should more loan like $ 10,000,000m I can give only if you are one of these cartigories: Manager of a company A private Holder A broker in banks A director in any office or company A high investor of and compay If you are one of the following you can get $ 10,000,000US as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon. NAME: . PHONE: COUNTRY: .LOAN AMOUNT NEEDED send these info it is important. Mind you loans is given to every part of the world only if i see you to be honest and will pay back after duration. If you are interested you have to send the amount you need as loan so that i can give you the terms and condition on the loan for your information loan are given to every part of the world on honest people so if you are honest apply for the loan now at
My wife took out snttedus loans after we bought a house. Somehow, with her mother's help she was able to borrow over a hundred grand. This has pretty much destroyed our marriage. Sallie Mae wants over 1500 a month which, with four kids, me out of work and a mortgage, there is nothing left over. And the real kicker here is, she got absolutely nothing out of it. No degree, no graduation, nothing. She'd been better off gambling the money. I told her, realistically, there's no way the money will ever be paid back. I think it's absolutely insane how these institutions loan out this kind of unsecured debt and expect you to pay it back. At least with a house, if you default, they can take the house back. Or a car. But with this, you're stuck, and all you can do is lose sleep and stress out, get divorced, the end. Sallie Mae destroys families, plain and simple. If you're thinking about borrowing money, make sure it's an amount you can handle.
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