At the center of the discussion of the Delegation of its Executive Committee ADEDY Dimitris Stamatis, the chairman of the Board of Directors of the Deposits and Loans Fund, found issues of housing civil servants and arrangements. loan.
The meeting was attended by Mr. Polymeropoulos Vassilis, Panoutsakos Veta, Bratis Dimitris, Petropoulos Giorgos and Kokkinos Charalambos, who have made requests for the reduction of mortgages interest rates, as well as the reinstatement of lenders’ lenders for civil servants, According to ADEDY’s announcement, it was noted that the wage reductions of the last 15 years have made it difficult for civil servants to loan.
It was also emphasized that these loans are guaranteed, as the installments are automatically withheld by the salaries of the beneficiaries, which makes them low -risk for the fund.
At the same time, the Fund’s president informed that – despite the agency’s capital adequacy – the Mnemonic regulations from 2011 prohibit new mortgage loans to natural persons, stating that the determination of interest rates is a government decision requiring approval by European “institutions”.
As he said, a framework for improving the terms of lending only exists in cases where the deterioration of borrower’s living conditions (family income reduction, health problems, coverage for child study, etc.) is proven.
In these cases, after all the necessary information has been filed, a regulation may be requested that may be related to the reduction of the interest rate (up to 50%), the extension of repayment time or the freezing of the amount due. The request is being examined and refined the proposal of the Fund, giving the right to objection to its Board of Directors.
In addition, the issue of the forthcoming sector of the Fund were discussed, as well as the possibility of transferring 126,000 loans to private bodies (FUNDS), with ADEDY expressing its opposition to such a possibility.
ADEDY’s Executive Committee has decided to integrate the claim to reduce interest rates of all mortgage loans and re -administration of low interest rates, especially for vulnerable groups of civil servants and workers in remote areas.
Source: RES – EIA