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Rather, time counts for the inclusion of green and red borrowers in the “Bridge” program whereby the State subsidizes up to 90% of the loan installment with a first home mortgage. The online platform will remain open until the end of the month for borrowers affected by the pandemic crisis to submit their applications. In a month, more than 51,000 borrowers have submitted a final application and the number is increasing daily.
Through the program, beneficiaries receive a state subsidy for nine months, with a maximum amount per monthly payment of 600 euros, while the subsidy rate can reach up to 90% of their loan payment during the first three months. These are individuals with informed and uninformed mortgage, consumer and commercial loans, who have their primary residence as collateral, are financially affected by the pandemic and have made use of emergency financial support measures.
The platform (www.keyd.gov.gr/covid19-gefyra/) will remain open and will accept applications from borrowers until September 30. After logging in, using the codes in TaxisNet and submitting the application, the data of borrowers, income and debts are automatically extracted from the Tax Database and the banks, constituting a tangible example of interoperability and automation, since, of this Thus, citizens are exempt from the obligation to provide a series of supporting documents and certificates.
The subsidy
The “bridge” program lasts 9 months and the subsidy ranges between 300 and 600 euros per month depending on whether the loan is properly managed, delayed or terminated. The criteria are the value of the first home, the amount of the loan outstanding, the family income, the total of deposits and investment products and the total value of the real property. The criteria vary depending on whether the loan is green, red, or canceled.
– For consistent borrowers, the state grant for the monthly fee starts from 90% for the first quarter, drops to 80% in the second and 70% in the third quarter, and the maximum grant amounts to 600 euros.
– For borrowers with red loans, the state subsidy starts from 80% for the first quarter and decreases to 70% for the second and 60% for the third quarter. The maximum amount of the subsidy reaches 500 euros. For this category, there must first be some kind of agreement with the bank for the borrower to join the program.
– For loans that have been terminated, the state subsidy of the monthly installment starts from 60% for the first quarter and decreases to 50% for the second and 30% for the third quarter. The maximum amount of the grant is set at 300 euros.
Each natural person can submit a single application for inclusion in the Program that includes all loans guaranteed by their main residence, while if there is more than one owner (co-owner) of the main residence, the application is sufficient to be made by one of theirs.
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