Analysis of the "New Home" Credit at National Level

Ioan Viorica, Lazaresu Ioana, Iacob Doina and Fluturu Madalina
Additional contact information
Ioan Viorica: Dunarea de Jos University of Galati, Romania
Lazaresu Ioana: Dunarea de Jos University of Galati, Romania
Iacob Doina: Dunarea de Jos University of Galati, Romania
Fluturu Madalina: Dunarea de Jos University of Galati, Romania

Risk in Contemporary Economy, 2023, 352-369

Abstract: The "New House" programme is a government programme aimed at facilitating access to the purchase of housing by individuals through state guaranteed loans. The Romanian Government approves a specific guarantee threshold for each year, and after this legislative process, the National Credit Guarantee Fund distributes the annual guarantee threshold that can be issued for each institution participating in the government programme. This limit is determined according to the weight of guarantees offered by each participating banking institution in the previous year, and with the agreement of the Ministry of Finance, it is distributed to each bank according to this criterion.

Date: 2023
References: View complete reference list from CitEc
Citations:

Downloads: (external link)
http://rce.feaa.ugal.ro/images/stories/RCE2023/Ioan_Lazarescu_Iacob_Fluturu.pdf (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:ddj:fserec:y:2023:p:352-369

DOI: 10.35219/rce20670532177

Access Statistics for this article

More articles in Risk in Contemporary Economy from "Dunarea de Jos" University of Galati, Faculty of Economics and Business Administration Contact information at EDIRC.
Bibliographic data for series maintained by Gianina Mihai ().