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Public Works » Housing units » Programme on collective saving and lending

Name of programme:
PROGRAMME ON COLLECTIVE SAVING AND LENDING

Legislative framework:

  • Emergency Ordinance no. 99/2006 on credit institutions and capital adequacy (taking over the provisions of Law no. 541/2002 on collective saving and lending in the housing field).


Implementing authority:
The Ministry of Regional Development and Housing.

Presentation of programme:
The Ministry of Regional Development and Housing carries out the Collective Saving and Lending Programme, through the two saving houses for the housing field, i.e.  - Raiffeisen – Banca pentru Locuinte and HVB – Banca pentru Locuinte

At the beginning of each year, the two saving houses for the housing field send to the Ministry of Regional Development and Housing, the application for state premiums for the beneficiaries who concluded saving and lending contracts during previous years. 

The Ministry of Regional Development and Housing checks the annual applications sent by the two saving houses for the housing field.

The Ministry of Regional Development and Housing elaborates the substantiation notes for the opening of budgetary loans for settlement purposes.

The programme is aimed at approving the substantiation notes and the extent to which payments are kept within the budget approved for such purpose, in the budget of the Ministry of Regional Development and Housing.

Beneficiaries:
Natural persons of Romanian citizenship and with a stable residence in Romania, who conclude a lending – saving contract with one of the two saving houses.

Purpose:
Supporting the development of the housing units financing system, through collective saving and lending banks.  

Objectives:
Setting-up new financing mechanisms for the real estate sector.

Financing sources:
According to 2007 State Budget Law no. 486/2006

Ministry of Regional Development and Tourism | 17, Apolodor St. Latura Nord, sector 5 | Phone: 037 211 14 09 | e-mail: info@mdrt.ro

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