All “weapons” throw in the “battle” for the regeneration of housing faith banksfocusing on both disbursements and facilitating the borrower to find a housing.
The “game” in housing faith the next day will be played at the speed of new mortgage disbursements. Today, on average, a mortgage loan is disbursed in 180 days, and it can take more than a year if there are arbitrariness to settlement, long delays in town planning, mortgages, notaries, and from the bank, seller or buyer. Now, the aim of banks will be to reduce disbursement times from 6 to 3 or even to 2 months. At the same time, the borrower will have the potential for greater transparency and information, as it will digitally have a picture of the course of his application, the projected time of disbursement, and the necessary to run the process.
This digital interaction with prospective mortgage borrowers will be done through platforms created by banks. Along the way, these platforms will receive applications for a mortgage loan from any channel, ie from brokers or brokers, etc. On behalf of customers, while they can also channel real estate to prospective buyers.
Piraeus bank has recently given the mark on the housing faith, announcing an agreement with the Qualco technology provider on the development of digital solutions platform, focusing initially in the mortgage sector.
On the other hand, the National Bank is set to formally present its digital “real estate”, the UNIKO platform next week. The UNIKO digital platform specializing in real estate sales, jointly developed with Qualco, and National is 49%.
The president of UNIKO, is the Director General of Retail Banking of the National Bank, Christina Theofilidis. It is noted that the National Bank has a share of 1/3 of the mortgage market, and the bank’s share of the bank in “Savings”, which reaches 30%, is also high.
The EIB’s primary goal to create the UNIKO platform was to take advantage of opportunities in the developing but fragmented domestic real estate market, as well as in the gradually growing auction real estate market, as well as the properties owned by banks and funds.
The UNIKO digital platform will work to find a home, until the legal/technical control of the property or its funding with a loan from the National.
Property sellers and partners will be able to handle their transactions easier and faster, without bureaucracy and a wide range of reliable services, starting with the valid assessment and certification of their real estate by the National Bank, to the digital tour of a property and successful.