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Halfway house

A new state-backed loan scheme to first-time buyers is a welcome boost to the real estate market, but not enough joy to developers facing a sales collapse

September 2009 - From the Print Edition

Romania’s new plan to help first-time buyers onto the property ladder has seen sales of 1,000 dwellings in its first month.
The ‘First Home’ [Prima Casa] scheme, launched by the Government last July, also aims to lubricate the flailing real estate and construction market and boost bank crediting.
The scheme targets individuals and families, who have never taken out a mortgage, with low interest rates for a 60,000 Euro loan to buy a home. The private banks oversee the loan and the state acts as the guarantor.
But many players are sceptical about its effect on new residential developments, many of which lie empty and have failed to make more than a few sales this year.
Most developers say the programme does not help them, because land and construction materials are too expensive to build dwellings priced at around 60,000 Euro. Meanwhile others have decided to compromise their profit targets and adapt their plans to join the programme.

Developers: adapting to the deal

Some developers who already had a land plot and can afford to build cheaply are taking up the opportunity of starting new projects targeting Prima Casa customers.
Australian developer South Pacific has launched a project including one and two room apartments with a garden for prices starting from 58,000 Euro. The complex consists of 36 units, is located on Sos Pipera-Tunari and is a green building concept.
“We will build zero-carbon homes using eco panels, mechanical ventilation and heat recovery systems, so the monthly utility costs will be cut by 60 per cent,” says South Pacific’s managing director Andrew Prelea. “The apartments have a 51 sqm area, plus terrace and a 16 sqm garden. The two-room apartments have two levels and two bathrooms. We decided to develop this small project to test the market and the technology in the low cost area.” Most of the materials are recyclable and there are bamboo floors and interior lighting systems powered by LEDs. South Pacific is also planning to build a factory in Romania to produce energy-saving materials.
Another developer who will build apartments for the programme is Spanish group Ibiza House. The company bought a land plot in Bucharest city centre, in the vicinity of the Parliament Palace, and plans to build 43 one, two and three room apartments for prices starting from 63,000 Euro. The project is due for delivery by December 2010. Ibiza House has already delivered high-class projects located in the north of Bucharest, in Pipera Tunari. “We need to be active and develop even if the project will not generate a high profit,” says Ana Ghidu, general manager of Ibiza House.
Andrew Prelea is also sceptical about whether developers will make money in the ‘First Home’ project. “Those who will get involved will be those who have land, cannot sell it and need to develop it,” he says. “This will be more like an exit strategy for developers who are distressed and who cannot get financing.”
Meanwhile real estate agency Neocasa’s general manager Ruxandra Cleciu says there are developers who planned to build big apartments and have split these in half so they can adjust to the 60,000 Euro price tag. But this creative planning is only possible at the structural stage and cannot be a solution for apartments already built. However projects launched on land plots bought after the fall of the real estate market could be really successful, according to Alina Busuioc, general manager of real estate agency West Invest.

Benefit: pre-1989 apartment sales

However many developers believe the programme will only encourage the acquisition of pre-1989 units that fit the 60,000 Euro threshold, instead of boosting the new residential and construction market, which was its initial purpose.
“The program is a good initiative of the Government, but needs to be improved,” says Reuven Havar, general manager of AFI Europe. “The value of the guaranteed loan is too low. It should be at least 90,000 Euro for developers to become interested in getting involved in this programme.”
The impact of the phenomenon is still low, because not many people have wages high enough to qualify for this programme. An individual or couple must have a combined monthly income of 700 Euro, as required by the banks. The average income in Romania is around 300 Euro per month.
“Most of those earning 700 Euro per month would want to buy a new dwelling, or a dwelling located in a better area,” says Havar.

Price culture: risks distortion

Another fear of developers is that the scheme will distort the pricing structures of small apartments.
South Pacific’s Andrew Prelea believes this may have an ‘irrational effect’ on the differences between the studio flats and the two-room apartments.
Taking into account the fact that a 60,000 Euro loan only allows for the acquisition of a studio flat or a small two room apartment in the capital, Prelea believes studio owners will try to increase the prices as much as possible, while owners of two-room apartments will try to cut the prices to fit below the 60,000 Euro boundary. “We will end up having an oversupply of small apartments on the market,” he argues, “with two or three generations of one family living in two rooms – the same as it was before 1989.”
Nevertheless the effect is unpredictable. “We might witness a typically Romanian sales policy, which means that the old apartment prices might go up without reason,” argues Alina Busuioc.
On the other hand many buyers might rush into purchasing a pre-1989 apartment and realise later that new residential projects are available at prices similar to those of the Communist-era apartments. “This is the most dangerous trap,” adds Busuoic.
But the customers are shopping for a newly-made home. Bucharest developer River Invest has received so far around 100 requests from people interested to find a dwelling which they can acquire through the First Home programme. The customers are either families with children for which space is the most important, single or newly-weds for whom the location matters most. There are also families looking for houses located around Bucharest.

What can 60,000 Euro buy?

While customers in Bucharest may only be able to afford studio flats or two-room apartments under the 60,000 Euro threshhold, it is possible for some customers to buy three-room apartments or small houses in the suburbs or the country at large, but not in the best locations.
In Bucharest the prices of new or old one room apartments range between 31,000 Euro in the western Militari neighbourhood to 71,000 Euro in the central Piata Alba-Iulia and Amzei area, according to Anuntulimobiliar. The cheapest two-room apartments are located in areas such as Colentina in the northeast and Piata Iancului in the east, which cost 55,000 Euro, while a two-room apartment can cost up to 120,000 Euro in Piata Alba-Iulia or in the north on Blvd Aviatiei.
There are also Communist-era three-room apartments, on the outskirts of Bucharest, in locations such as 1 Decembrie and Sos. Alexandriei, difficult to reach from the city centre, because there is no metro, where prices are between 60,000 and 70,000 Euro.
Inhabitants of second tier cities like Cluj-Napoca, Brasov, Timisoara and Iasi and those of towns such as Ploiesti (Prahova county) or Pitesti (Arges county) have more chances to purchase larger apartments because the prices are smaller than in Bucharest. The cheapest two and three room apartments in Brasov cost between 36,000 and 54,000 Euro. Three-room apartments in Cluj-Napoca and Pitesti can be bought for prices between 43,000 and 100,000 Euro.
But the increase in the number of transactions on the pre-1989 built residential market will also have a positive effect on new residential market sales and will balance the prices on both markets, according to Ruxandra Cleciu. “If the pre-1989 residential market reaches a balance, the new market will stabilise as well, because all the segments evolve together,” she says. “If people start thinking seriously about buying, the owners will become more confident that they can sell and the offer will go up. Many of the pre-1989 dwelling owners will sell and will buy apartments in new projects, even if they are smaller and even if they have to add some extra money.”
There are also affordable new house projects developed in villages around Bucharest. An 120 sqm house with an 180 sqm yard in Domnesti residential complex, located northwest of Bucharest in Domnesti, llfov, ten kilometres away from the Militari neighbourhood, can be bought for 65,000 Euro. The complex will be delivered in autumn and includes 32 houses.
New duplex villas in the northwest of Bucharest, in Bragadiru village, with areas between 110 and 150 sqm, are available for prices between 70,000 and 80,000 Euro. The biggest problem with these villages is the undeveloped road infrastructure, which makes the transport difficult and exhausting. The quality of schools and health services in these villages is also much lower than in Bucharest.
The programme also allows financing for the construction of houses if the applicants already own the land. But building a house could lead to higher costs, because many land plots around Bucharest do not have the necessary utilities and the future owners have to pay extra money to attract their installation. “There are people who buy land plots to build after a few years, so they are not interested in investing in the utilities in the near future,” says Cleciu. “This means that the other owners in the area, who want to start the construction immediately, will have to pay more to get the utilities. Buying a house in a residential project is much easier, because all these operations are managed by the developer.”

Report by Corina Ilie

First Home: the political price


Prime Minister Emil Boc has already called the Prima Casa programme successful because it has managed to restart real estate transactions.
The scheme saw 1,000 sales in its first month of operation as many people, who could not afford to get a real estate loan without the help of the Government, applied for a loan immediately.
However the details of the scheme, which is pioneered by the Democratic Liberal Party (PD-L) and Boc, have been greeted by grumblings of discontent from the opposition and the Social-Democrat (PSD) coalition party.
They argued that the project should be improved, otherwise the Government is blocking one billion Euro from the state budget as the guarantee fund, which will not be used eventually, because too few people qualify for the loan.
The National Liberal Party (PNL) provided the Government with data showing that only 1.7 per cent of the people under 35 and one per cent of those between 35 and 40 could qualify for the programme. The PSD thinks that the programme would have been more efficient if it focused on the development of dwellings, owned by the state, which could be leased by young people at low rents.

First Home: how it adds up

Families with a total income of over 714 Euro per month can take out a loan from a bank with small interest rates under the Prima Casa scheme to purchase up to 60,000 Euro of a property. The purpose is both egalitarian - to encourage affordable housing - and capitalist - to kick-start the moribund real estate sector. This is a classic piece of centrist policy-making which indicates Romania can adopt the structure of a continental European mixed economy based on free market principles, but with social-focused intervention to iron out the inequalities.
So far 20 local banks have joined the programme and are making a combined offer of 1.45 billion Euro. These banks are not allowed to offer interest rates higher than 5.2 per cent for the loans in Euro and higher than 13.3 per cent for the loans in RON.
The value of the installments is calculated upon the EURIBOR and ROBOR indicators and varies in accordance with the evolution of these two indicators. In October 2008, EURIBOR reached its maximum height during the past 14 years of 5.345 per cent. Meanwhile last June it registered a minimum record value: 1.108 per cent.
If the indicators rise, the interest can rise and vice versa. This means the terms of the loan are not well-defined. This is one reason why many people will be cautious about taking out loans and the effects of the programme on the credit market might not be as positive as expected.
“If the banks want to encourage the loan system, they should grant a certain number of loans at lower interest rates than the competition,” says Neocasa’s Ruxandra Cleciu. “This is the only way to unblock crediting.”
This is beginning to happen. Raiffeisen Bank will grant housing loans worth 50,000 Euro in total with a 5.12 per cent interest rate for Euro loans and a 12.83 per cent interest rate for RON loans, just below the maximum threshold.
Alice Mihai, a spokeswoman for Raiffeisen Bank, says the size of the loan depends on the customer’s reimbursement ability. It can stretch between three to 30 years and the client must deposit a five per cent down payment for a loan under or equal to 60,000 Euro. However if the dwelling is more expensive that 60,000 Euro, the customers has to deposit the five per cent down payment (3,000 Euro) plus the difference. So if a customer wants to buy an 80,000 Euro dwelling, he or she will have to deposit a total of 23,000 Euro. This means that customers looking for affordable housing will be targeting dwellings that cost exactly 60,000, only a fraction more, or any amount below this figure.



COMMENTS
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Robert Francis: on 2016-09-17 17:32:24
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Please, contact us for more information: pergocf@fastservice.com

Mrs. Ceren: on 2016-09-06 15:49:58

WELCOME to PERGO CORPORATE FINANCE LOAN SERVICE..........
Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.

Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

Please, contact us for more information: pergocf@fastservice.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed...$, €, £:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- Name of the Site:

If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: pergocf@fastservice.com

Yours Sincerely,
Mrs. Ceren Kelly
pergocf@fastservice.com

We look forward to hear from you ASAP

Interested applicants should Contact us via email: pergocf@fastservice.com

lee ynung: on 2016-08-06 18:08:34
Dear Sir,

I can deliver leased instruments to Organisations or individuals with their preferred text verbiage as been approved by their bankers. We also
offer sales option to interested buyers. Our terms and procedures are so flexible and workable by RWA clients. Our lease rate is (5)%+x%. X% IS
Lessee broker's Commission and he determines his commission. Also we have facilities to discount BG and Put you into PPP Trading.
Contact me through this email:with other information.
BROKERS ARE WELCOME & 100% PROTECTED!!!
Contact Email : mandatebgsblclcbroker@gmail.com
Skype ID: hack.hyung38

lee ynung: on 2016-08-06 18:00:37
Good Day to You Sir/Ma'am,
We have direct and efficient providers of Bank Guarantee (BG’s), Insurance Guarantees, MTN, Confirmable Bank Drafts, Standby Letters of Credit (SBLC) and Third Party Guarantees. If you are a potential Investor or principal looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with details regarding these services. Our BG/SBLC Financing can help you get your project funded, by providing you with yearly renewable leased bank instruments. We work directly with the providers of these instruments. Leased Instruments can be obtained at minimal costs to lessor compared to other banking finance options. This offer is open to both individuals and corporate bodies. If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument. Inquiries from agents/ brokers/ intermediaries are also welcome. If you are interested in seeking to raise finance for your business/projects in this way
For further details contact us with the below information Thank you.
BROKERS ARE WELCOME & 100% PROTECTED!!!
If Interested kindly contact me via Email:~
Contact Email : mandatebgsblclcbroker@gmail.com
Skype ID: hack.hyung38

lee ynung: on 2016-08-06 17:59:26


I write to introduce our financial services to you. I am a direct mandate to a Financial Institution who is also known as private lender specialized in the Lease and Sales of Bank / Financial Instruments in the form of Bank Guarantees (BG), Standby Letter of Credit (SBLC), Documentary Letter of Credit (DLC), Letter of Credit (LC), Performance Bonds (PB), Medium Term Notes (MTN) et al with funds is purely earned from private and corporate investment portfolios without criminal origin.
BROKERS ARE WELCOME & 100% PROTECTED!!!
Contact Email : mandatebgsblclcbroker@gmail.com
Skype ID: hack.hyung38


bernard butty: on 2014-01-22 23:17:04
We offer fresh cut bank instrument for lease, such as BG, SBLC, MTN, Bank Bonds, Bank Draft, T strips and others. Leased Instruments can be obtained at minimal expense to the borrower compared to other banking options. This offer is opened to both those and corporate bodies.
We are RWA ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact us via email:

All relevant business information will be provided upon request.
If Interested kindly contact me via Email:~
Mr. Bernard butty
Email: leasebutty.bg@gmail.com

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved

Dr. Robertl Johnson.: on 2014-01-24 23:35:29
We give out loans ranging from Home loans, Auto Loans, Car loans, Mortgage loans, Business Loans, International Loans, and Personal Loans we give out loans at 3% interest rate.


The loan is opened to all no matter the Nationality. You can reach us via our email address for that special loan to get you started financial and help you get out of your financial doldrums.


Full Name................
Country...................
Amount.....................
Phone number........
Loan Duration.........
SEX.......................


Thanks,
Dr. Robertl Johnson.
CONTACT US TODAY AT: robertlhelpfunds805@hotmail.com

Higazi Ebrahim: on 2015-09-30 13:12:09
Do you have project? Are you humanitarian minded as well? Be among the first to learn about bank secure private capital raise program opportunities that would enable you to quickly raise DEBT FREE funds for your Business-project. If you have no collateral, we arrange SBLC-BG-SBLC-MTNs Bank guarantee. It is divisible, transferable, discountable and tradeable.
Thank you.
Higazi Ebrahim
Contact: higazilease.mandate@gmail.com
Skype ID: higazilease.finance

Dp Financial Limited: on 2018-08-28 22:02:30
Finding a genuine provider of financial instrument is very challenging but we are certified Financial Instrument providers in Ireland. Presently, we only focus on BG/SBLC for Lease and Sale transactions. However, our Lease BG/SBLC is 4+2% and Sale at 32+2%.
Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with draft Contract/MOU within 48hrs maximum.
Please request for full procedure details if interested.
For further inquiry contact:
Name : Dp Financial Limited
E-mail : dpfinanciallimited@gmail.com
Skype id : dpfinanciallimited@gmail.com

Walsh Robert: on 2018-08-29 17:15:20
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc

We provide BG, SBLC, LC, LOAN and lots more for clients all over the world.

We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned

We hope to establsih a long term business relationship with you even after this first trial

Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934

Ashraf billy: on 2018-08-29 18:47:02
We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.

DESCRIPTION OF INSTRUMENT:
Instrument: Bank Guarantee (BG/SBLC).
Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
Age: One Year, One Day
Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
Delivery: Bank to Bank SWIFT.
Payment: MT-760.
Hard Copy: Bonded Courier within 7 banking days.

All relevant business information will be provided upon request plus our terms and
procedures.

Email: goldencrow59@gmail.com

Company Name: Golden crown finance plc

contact name Ashraf billy

Walsh Robert: on 2018-09-01 11:39:06
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc

We provide BG, SBLC, LC, LOAN and lots more for clients all over the world.

We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned

We hope to establsih a long term business relationship with you even after this first trial

Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934

Steve Nguyen: on 2018-09-09 22:37:36
GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR LEASE AT THE LOWEST RATES AVAILABLE.. I am direct to a provider who has recently issued banking instruments for a couple of my clients the provider is 100% check-able you can do your due diligence on them. I personally know the provider. Our instruments are only from triple 'a' rated banks and we issue from $1M to $5B . The provider is 100% verifiable. If you are genuinely seeking bank instruments. Contact me and i will furnish you with details. They deal with issuing of instruments such as Bank Guarantee and Standby letters of credit also Letters of credit. I only want serious buyers then i will put you in touch with the provider directly. Bank Guarantee (BG) Standby Letter of Credit (SBLC)

I will be glad to share with you our working procedures.

Management.
Contact Name: Steve Nguyen
Email: baseonsteve101@gmail.com
Skype: financialcapitaltrustplc001
PH: +1-336-283-3097
BROKERS ARE WELCOME & 100% PROTECTED!!!



Summt Financial: on 2018-09-23 00:21:54
Are you having one or two difficulties from other financial instrument lender? I want you to take a chance with us you will never regret doing business deal with our firm.We have direct and efficient providers.

I am the sole (Direct) mandate to several genuine efficient providers for lease/sales BG/ SBLC and other financial instruments, at reasonable prices, Issuance by top AAA rated Bank in Europe.Presently, we focus on BG/SBLC for Lease and Sale transactions, However, our Lease BG/SBLC/MTN is 3+1% and Sale at 30%+1%.

Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with DOA within 48hrs maximum.

Please request for full procedure details if interested.(WE MOVE FIRST)

For further inquiry contact:

Contact us for further detail:
Email:~ summitfinancialplc@gmail.com



Contact us for your bank instruments such as SBLC/BG/LC/MTN 100% Protected


Walsh Robert: on 2018-10-04 22:08:42
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc

We provide BG, SBLC,and lots more for clients all over the world.

We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned

We hope to establsih a long term business relationship with you even after this first trial

Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934
Whatsapp: +447441393450
Registered No: 04374045

Simple Finance: on 2018-10-05 12:24:31
Are you having one or two difficulties from other financial instrument lender? I want you to take a chance with us you will never regret doing business deal with our firm.We have direct and efficient providers.

I am the sole (Direct) mandate to several genuine efficient providers for lease/sales BG/ SBLC and other financial instruments, at reasonable prices, Issuance by top AAA rated Bank in Europe.Presently, we focus on BG/SBLC for Lease and Sale transactions, However, our Lease BG/SBLC/MTN is 3+1% and Sale at 30%+1%.

Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with DOA within 48hrs maximum.

Please request for full procedure details if interested.(WE MOVE FIRST)

For further inquiry contact:

Contact us for further detail:
Email:~ summitfinancialplc@gmail.com





Walsh Robert: on 2018-10-08 18:22:07
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc

We provide BG, SBLC,and lots more for clients all over the world.

We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned

We hope to establish a long term business relationship with you even after this first trial

Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934
Whatsapp: +447441393450
Registered No: 04374045

SIVAJOTHI GNANATHEEVAM: on 2018-10-17 21:12:06
Dear Sir/Ma

I am direct to a provider who has recently issued banking instruments for a couple of my clients the provider is 100% check-able you can do your due diligence on them. I personally know the provider.

Our instruments are only from triple 'a' rated banks and we issue from $1M to $5B . The provider is 100% verifiable. If you are genuinely seeking bank instruments. Contact me and i will furnish you with details.

They deal with issuing of instruments such as Bank Guarantee and Standby letters of credit also Letters of credit. For genuine and Serious inquiry of any form please kindly contact me via the details below.

- Bank Guarantee (BG)
- Standby Letter of Credit (SBLC)
- Direct Line of Credit (DLC)
- Medium Term Note (MTN)
- Letter of Credit (LC)

I will be glad to share with you our working procedures

Contact : Mr. SIVAJOTHI GNANATHEEVAM
Email: leasingmandate@gmail.com

Regards
SIVAJOTHI GNANATHEEVAM

Walsh Robert: on 2018-10-18 18:29:09
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc

We provide BG, SBLC,and lots more for clients all over the world.

We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned

We hope to establish a long term business relationship with you even after this first trial

Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934
Whatsapp: +447441393450
Registered No: 04374045

mike johnson: on 2018-10-23 01:42:58


Dear sir/ma,

Are you a having one or two BG/SBLC specifically for lease difficulties from other financial instrument lender? I want you to take a chance with us you will never regret your partnership with our firm.We have direct and efficient providers.

I am the sole mandate of a genuine efficient provider for lease/sales BG/ SBLC and other financial instruments, at reasonable prices, Insurance by top AAA rated Bank in Europe.Presently, we focus on BG/SBLC for Lease and Sale transactions, However, our Lease BG/SBLC/MTN is 6+2% and Sale at 32+2%.

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing with any interested client in few banking days, Should you find this interesting and acceptable? Kindly, contact me and I shall review and respond with DOA within 24hrs maximum.

Kind Regards,

Mr. mike johnson

Email: providentfinancialplc231@gmail.com

Skype ID: providentfinancialplc101@hotmail.com

mike johnson: on 2018-10-23 01:43:37


Dear sir/ma,

Are you a having one or two BG/SBLC specifically for lease difficulties from other financial instrument lender? I want you to take a chance with us you will never regret your partnership with our firm.We have direct and efficient providers.

I am the sole mandate of a genuine efficient provider for lease/sales BG/ SBLC and other financial instruments, at reasonable prices, Insurance by top AAA rated Bank in Europe.Presently, we focus on BG/SBLC for Lease and Sale transactions, However, our Lease BG/SBLC/MTN is 6+2% and Sale at 32+2%.

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing with any interested client in few banking days, Should you find this interesting and acceptable? Kindly, contact me and I shall review and respond with DOA within 24hrs maximum.

Kind Regards,

Mr. mike johnson

Email: providentfinancialplc231@gmail.com

Skype ID: providentfinancialplc101@hotmail.com

mike johnson: on 2018-10-23 01:44:17


Dear sir/ma,

Are you a having one or two BG/SBLC specifically for lease difficulties from other financial instrument lender? I want you to take a chance with us you will never regret your partnership with our firm.We have direct and efficient providers.

I am the sole mandate of a genuine efficient provider for lease/sales BG/ SBLC and other financial instruments, at reasonable prices, Insurance by top AAA rated Bank in Europe.Presently, we focus on BG/SBLC for Lease and Sale transactions, However, our Lease BG/SBLC/MTN is 6+2% and Sale at 32+2%.

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing with any interested client in few banking days, Should you find this interesting and acceptable? Kindly, contact me and I shall review and respond with DOA within 24hrs maximum.

Kind Regards,

Mr. mike johnson

Email: providentfinancialplc231@gmail.com

Skype ID: providentfinancialplc101@hotmail.com

First Choice: on 2018-10-23 03:41:34
Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs,MTNs, LCs, CDs and others on lease and sales at a rate of 4%+2% of the face value and reasonable conditionfrom a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc.

Email:~ inquiry.firstchoice@gmail.com
Skype ID:contact.firstchoice


First Choice: on 2018-10-23 03:47:02
Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs,MTNs, LCs, CDs and others on lease and sales at a rate of 4%+2% of the face value and reasonable conditionfrom a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc.

Email:~ inquiry.firstchoice@gmail.com
Skype ID:contact.firstchoice


Muhammed Emir Harun: on 2018-10-24 15:23:27

We Facilitate Bank instruments SBLC for Lease and Purchase. Whether you are a new startup, medium or large establishment that needs a financial solution to fund/get your project off the ground or business looking for extra capital to expand your operation,our company renders credible and trusted bank guarantee provider who are willing to fund and give financing solutions that suits your specific business needs.

We help you secure and issue sblc and bank guarantee for your trade, projects and investment from top AA rated world Banks like HSBC, Barclays, Dutch Ing Bank, Llyods e.t.c because that’s the best and safest strategy for our clients.e.t.c

DESCRIPTION OF INSTRUMENTS

1. Instrument: Funds backed Bank Guarantee(BG) ICC-600

2. Currency : USD/EURO

3. Age of Issue: Fresh Cut

4. Term: One year and One day

5. Contract Amount: United State Dollars/Euros (Buyers Face Value)

6. Price : Buy:32%+1, Lease: 4%+2

7. Subsequent tranches: To be mutually agreed between both parties

8. Issuing Bank: Top RATED world banks like HSBC, Barclays, ING Dutch Bank, Llyods e.t.c

9. Delivery Term: Pre advise MT199 or MT799 first. Followed By SWIFT MT760

10. Payment Term: MT799 & Settlement via MT103

11. Hard Copy: By Bank Bonded Courier


Interested Agents,Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request.



Name: Muhammed Emir Harun

Contact Mail :info.financewizardltd@gmail.com

Skype: info.financewizardltd@gmail.com



mike johnson: on 2018-10-26 18:09:26


Dear sir/ma,

Are you a having one or two BG/SBLC specifically for lease difficulties from other financial instrument lender? I want you to take a chance with us you will never regret your partnership with our firm.We have direct and efficient providers.

I am the sole mandate of a genuine efficient provider for lease/sales BG/ SBLC and other financial instruments, at reasonable prices, Insurance by top AAA rated Bank in Europe.Presently, we focus on BG/SBLC for Lease and Sale transactions, However, our Lease BG/SBLC/MTN is 6+2% and Sale at 32+2%.

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing with any interested client in few banking days, Should you find this interesting and acceptable? Kindly, contact me and I shall review and respond with DOA within 24hrs maximum.

Kind Regards,

Mr. mike johnson

Email: providentfinancialplc231@gmail.com

Skype ID: providentfinancialplc101@hotmail.com

mike johnson: on 2018-10-26 18:09:46


Dear sir/ma,

Are you a having one or two BG/SBLC specifically for lease difficulties from other financial instrument lender? I want you to take a chance with us you will never regret your partnership with our firm.We have direct and efficient providers.

I am the sole mandate of a genuine efficient provider for lease/sales BG/ SBLC and other financial instruments, at reasonable prices, Insurance by top AAA rated Bank in Europe.Presently, we focus on BG/SBLC for Lease and Sale transactions, However, our Lease BG/SBLC/MTN is 6+2% and Sale at 32+2%.

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing with any interested client in few banking days, Should you find this interesting and acceptable? Kindly, contact me and I shall review and respond with DOA within 24hrs maximum.

Kind Regards,

Mr. mike johnson

Email: providentfinancialplc231@gmail.com

Skype ID: providentfinancialplc101@hotmail.com

Summit Financial: on 2018-10-27 18:17:07
Are you having one or two difficulties from other financial instrument lender? I want you to take a chance with us you will never regret doing business deal with our firm.We have direct and efficient providers.

I am the sole (Direct) mandate to several genuine efficient providers for lease/sales BG/ SBLC and other financial instruments, at reasonable prices, Issuance by top AAA rated Bank in Europe.Presently, we focus on BG/SBLC for Lease and Sale transactions, However, our Lease BG/SBLC/MTN is 3+1% and Sale at 30%+1%.

Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with DOA within 48hrs maximum.

Please request for full procedure details if interested.(WE MOVE FIRST)

For further inquiry contact:

Contact us for further detail:
Email:~ summitfinancialplc@gmail.com



Walsh Robert: on 2018-10-30 15:14:46
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc

We provide BG, SBLC,and lots more for clients all over the world.

We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned

We hope to establish a long term business relationship with you even after this first trial

Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934
Whatsapp: +447441393450
Registered No: 04374045

Walsh Robert: on 2018-10-31 03:23:11
We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc

We provide BG, SBLC,and lots more for clients all over the world.

We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned

We hope to establish a long term business relationship with you even after this first trial

Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934
Whatsapp: +447441393450
Registered No: 04374045

Chowdhury Utpal: on 2018-11-02 21:29:23
I am a financial consultant and have a very good and reputable Provider of some bank instruments we can only deliver SS/FC cash backed lease bank instrument {(BG/SBLC/LC/DC/MTN)} to you in accordance to our terms and condition. Our bank instruments can serves as collateral as the case may be, which will enable you get loans from your bank so as to embark on any projects such as Aviation, Agriculture, Petroleum, Mining, Telecommunication, Construction of Dams, Real estate, Bridges, Trading, Importing and exporting and Other Turnkey Project (s) etc.

Also these instruments can be put in PPP, etc. Please do let me know of your willingness to proceed and I will email you our terms and condition upon request.

Contact : Mr. Chowdhury Utpal
Email: chowdutpal@gmail.com
Skype ID: utpal.chowdhury73

BROKERS ARE WELCOME & 100% PROTECTED!!!

James Petty: on 2018-11-02 21:30:51
We are authorized Financial consulting firm that work directly with
A rated banks eg HSBC bank,Barclays Bank, etc

We provide BG, SBLC, MTN and lots more for clients all around the world.

We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned

We hope to establish a long term business relationship with you even after this first trial

Regards
James Petty
Email: jpettyinstrumentlender01@gmail.com
Skype: jpettyinstrumentlender01


Mr. Kee Nogwan: on 2018-11-05 22:49:15
Dear Sir/ma,

We can deliver leased instruments to Organisations or individuals with their preferred text verbiage as been approved by their bankers. We also offer sales option to interested buyers. Our terms and procedures are so flexible and workable by RWA clients. Our lease rate is (5)%+x%. X% IS Lessee broker's Commission and he determines his commission. Also we have facilities to discount BG and Put you into PPP Trading.

Contact : Mr. Kee Nogwan
Email: kee.nogwan@gmail.com
Skype ID:Kee nogwan



BROKERS ARE WELCOME & 100% PROTECTED!!!

mike johnson: on 2018-11-12 14:29:14



Dear sir/ma,

Are you a having one or two BG/SBLC specifically for lease difficulties from other financial instrument lender? I want you to take a chance with us you will never regret your partnership with our firm.We have direct and efficient providers.

I am the sole mandate of a genuine efficient provider for lease/sales BG/ SBLC and other financial instruments, at reasonable prices, Insurance by top AAA rated Bank in Europe.Presently, we focus on BG/SBLC for Lease and Sale transactions, However, our Lease BG/SBLC/MTN is 6+2% and Sale at 32+2%.

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing with any interested client in few banking days, Should you find this interesting and acceptable? Kindly, contact me and I shall review and respond with DOA within 24hrs maximum.

Kind Regards,

Mr. mike johnson

Email: providentfinancialplc231@gmail.com

Skype ID: providentfinancialplc101@hotmail.com

mike johnson: on 2018-11-12 14:29:29



Dear sir/ma,

Are you a having one or two BG/SBLC specifically for lease difficulties from other financial instrument lender? I want you to take a chance with us you will never regret your partnership with our firm.We have direct and efficient providers.

I am the sole mandate of a genuine efficient provider for lease/sales BG/ SBLC and other financial instruments, at reasonable prices, Insurance by top AAA rated Bank in Europe.Presently, we focus on BG/SBLC for Lease and Sale transactions, However, our Lease BG/SBLC/MTN is 6+2% and Sale at 32+2%.

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing with any interested client in few banking days, Should you find this interesting and acceptable? Kindly, contact me and I shall review and respond with DOA within 24hrs maximum.

Kind Regards,

Mr. mike johnson

Email: providentfinancialplc231@gmail.com

Skype ID: providentfinancialplc101@hotmail.com

 
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