BCR Banca pentru Locuinţe (BCR Bpl) started to test the interest of the potential clients for the savings-credits products before entering the market.
Credit agents from BCR offices are informing clients about this kind of products, and are taking the personal informations of those who are interested.
BCR deposed at BNR the documentation for the authorization of BCR Bpl, according to the spoke person of BCR group, Corneliu Cojocaru. "BCR is testing the interest of the market about the savings-credits activities and on the types of savings-credits products.
According to the informations available in the agencies, the products could be sold from July. The bank is also preparing to boost its sales by granting bonuses.
Savings and credits products are set after the pattern: the client makes a deposit in the first period, receives a credit, and after that he pays it.
BCR Bpl is testing three products in BCR agencies. These have savings interests of 2%-3%, and for credits of 5%-6%. The savings efficaciousness will be improved by the state bonus. This raises up to 15% from the sum of the savings, but will not exceed 150 euro per year, according to the actual legislation. The state grants this bonuses because the credits from this system can only be used for the improvement of the housing situation.
Two other banks of savings-credits are already present on the market: Raiffeisen Banca pentru Locuinţe and HVB Banca pentru Locuinţe.
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