{"id":88833,"date":"2024-03-21T15:26:32","date_gmt":"2024-03-21T13:26:32","guid":{"rendered":"https:\/\/banknews.gr\/?p=88833"},"modified":"2024-03-21T15:26:32","modified_gmt":"2024-03-21T13:26:32","slug":"%cf%84%cf%84%ce%b5-%ce%b1%ce%bd%cf%8e%cf%84%ce%b1%cf%84%ce%b1-%cf%8c%cf%81%ce%b9%ce%b1-%cf%83%cf%84%ce%b1-%cf%83%cf%84%ce%b5%ce%b3%ce%b1%cf%83%cf%84%ce%b9%ce%ba%ce%ac-%ce%b4%ce%ac%ce%bd%ce%b5%ce%b9","status":"publish","type":"post","link":"https:\/\/banknews.gr\/?p=88833","title":{"rendered":"\u03a4\u03c4\u0395: \u0391\u03bd\u03ce\u03c4\u03b1\u03c4\u03b1 \u03cc\u03c1\u03b9\u03b1 \u03c3\u03c4\u03b1 \u03c3\u03c4\u03b5\u03b3\u03b1\u03c3\u03c4\u03b9\u03ba\u03ac \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03bc\u03b5 \u03b5\u03be\u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7 \u03b1\u03ba\u03af\u03bd\u03b7\u03c4\u03bf &#8211; \u03a4\u03b9 \u03b1\u03bb\u03bb\u03ac\u03b6\u03b5\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf 2025 &#8211; \u03a0\u03bf\u03b9\u03b5\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03bf\u03b9 \u03b5\u03be\u03b1\u03b9\u03c1\u03ad\u03c3\u03b5\u03b9\u03c2."},"content":{"rendered":"<p>\u0391\u03bd\u03ce\u03c4\u03b1\u03c4\u03b1 \u03b5\u03c0\u03b9\u03c4\u03c1\u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03b1 \u03cc\u03c1\u03b9\u03b1 \u03c9\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03ad\u03c4\u03b7\u03c3\u03b7\u03c2 \u03c7\u03c1\u03ad\u03bf\u03c5\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03bf \u03b5\u03b9\u03c3\u03cc\u03b4\u03b7\u03bc\u03b1 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03ad\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7 \u03b5\u03bd\u03cc\u03c2 \u03b4\u03b1\u03bd\u03b5\u03af\u03bf\u03c5 \u03ba\u03b1\u03b9 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03b4\u03b1\u03bd\u03b5\u03af\u03bf\u03c5 \u03c0\u03c1\u03bf\u03c2 \u03b1\u03be\u03af\u03b1 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03ad\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7, \u03b5\u03c0\u03b9\u03b2\u03ac\u03bb\u03bb\u03b5\u03b9 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd 1\u03b7 \u0399\u03b1\u03bd\u03bf\u03c5\u03b1\u03c1\u03af\u03bf\u03c5 2025 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03bd\u03ad\u03b1 \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03bb\u03bf\u03b9\u03c0\u03ad\u03c2 \u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2 \u03b7\u00a0\u03a4\u03c4\u0395.<\/p>\n<p>\u03a3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b1, \u03bc\u03b5 \u03c4\u03b7\u03bd \u03a0\u03c1\u03ac\u03be\u03b7 \u0395\u03ba\u03c4\u03b5\u03bb\u03b5\u03c3\u03c4\u03b9\u03ba\u03ae\u03c2 \u0395\u03c0\u03b9\u03c4\u03c1\u03bf\u03c0\u03ae\u03c2 227\/1\/08.03.2024 (\u03a6\u0395\u039a \u0392 1716, 15.03.2024), \u03b7 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03c4\u03b7\u03c2 \u0395\u03bb\u03bb\u03ac\u03b4\u03bf\u03c2 \u03b8\u03ad\u03c3\u03c0\u03b9\u03c3\u03b5 \u03bc\u03b1\u03ba\u03c1\u03bf\u03c0\u03c1\u03bf\u03bb\u03b7\u03c0\u03c4\u03b9\u03ba\u03ac \u03bc\u03ad\u03c4\u03c1\u03b1 \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ac \u03bc\u03b5 \u03c4\u03b7 \u03b4\u03b1\u03bd\u03b5\u03b9\u03b1\u03ba\u03ae \u03b5\u03c0\u03b9\u03b2\u03ac\u03c1\u03c5\u03bd\u03c3\u03b7 \u03c0\u03bf\u03c5 \u03b5\u03c6\u03b1\u03c1\u03bc\u03cc\u03b6\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u03b4\u03b1\u03bd\u03b5\u03b9\u03bf\u03bb\u03ae\u03c0\u03c4\u03b7 \u03b3\u03b9\u03b1 \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03bb\u03bf\u03b9\u03c0\u03ad\u03c2 \u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c6\u03c5\u03c3\u03b9\u03ba\u03ac \u03c0\u03c1\u03cc\u03c3\u03c9\u03c0\u03b1 \u03bc\u03b5 \u03b5\u03be\u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7 \u03bf\u03b9\u03ba\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u03b1\u03ba\u03af\u03bd\u03b7\u03c4\u03bf \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1.<\/p>\n<p>\u0395\u03b9\u03b4\u03b9\u03ba\u03cc\u03c4\u03b5\u03c1\u03b1, \u03b8\u03ad\u03c3\u03c0\u03b9\u03c3\u03b5:<\/p>\n<ul>\n<li>\u03b1\u03bd\u03ce\u03c4\u03b1\u03c4\u03bf \u03b5\u03c0\u03b9\u03c4\u03c1\u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf \u03cc\u03c1\u03b9\u03bf \u03b3\u03b9\u03b1 \u03c4\u03bf \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03ad\u03c4\u03b7\u03c3\u03b7\u03c2 \u03c7\u03c1\u03ad\u03bf\u03c5\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03b5\u03b9\u03c3\u03cc\u03b4\u03b7\u03bc\u03b1 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03ad\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7 (debt service-to-income at origination \u2013 DSTI-O) 50% \u03b3\u03b9\u03b1 \u03c4\u03bf\u03c5\u03c2 \u03b1\u03b3\u03bf\u03c1\u03b1\u03c3\u03c4\u03ad\u03c2 \u03b3\u03b9\u03b1 \u03c0\u03c1\u03ce\u03c4\u03b7 \u03c6\u03bf\u03c1\u03ac \u03ba\u03b1\u03b9 40% \u03b3\u03b9\u03b1 \u03c4\u03bf\u03c5\u03c2 \u03bb\u03bf\u03b9\u03c0\u03bf\u03cd\u03c2 \u03b4\u03b1\u03bd\u03b5\u03b9\u03bf\u03bb\u03ae\u03c0\u03c4\u03b5\u03c2, \u03ba\u03b1\u03b9<\/li>\n<li>\u03b1\u03bd\u03ce\u03c4\u03b1\u03c4\u03bf \u03b5\u03c0\u03b9\u03c4\u03c1\u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf \u03cc\u03c1\u03b9\u03bf \u03b3\u03b9\u03b1 \u03c4\u03bf \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03b4\u03b1\u03bd\u03b5\u03af\u03bf\u03c5 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03b7\u03bd \u03b1\u03be\u03af\u03b1 \u03c4\u03bf\u03c5 \u03c5\u03c0\u03ad\u03b3\u03b3\u03c5\u03bf\u03c5 \u03b1\u03ba\u03b9\u03bd\u03ae\u03c4\u03bf\u03c5 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03ad\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7 (loan-to-value at origination \u2013 LTV-O) 90% \u03b3\u03b9\u03b1 \u03c4\u03bf\u03c5\u03c2 \u03b1\u03b3\u03bf\u03c1\u03b1\u03c3\u03c4\u03ad\u03c2 \u03b3\u03b9\u03b1 \u03c0\u03c1\u03ce\u03c4\u03b7 \u03c6\u03bf\u03c1\u03ac \u03ba\u03b1\u03b9 80% \u03b3\u03b9\u03b1 \u03c4\u03bf\u03c5\u03c2 \u03bb\u03bf\u03b9\u03c0\u03bf\u03cd\u03c2 \u03b4\u03b1\u03bd\u03b5\u03b9\u03bf\u03bb\u03ae\u03c0\u03c4\u03b5\u03c2.<\/li>\n<\/ul>\n<p>\u03a4\u03b1 \u03b5\u03bd \u03bb\u03cc\u03b3\u03c9 \u03bc\u03b1\u03ba\u03c1\u03bf\u03c0\u03c1\u03bf\u03bb\u03b7\u03c0\u03c4\u03b9\u03ba\u03ac \u03bc\u03ad\u03c4\u03c1\u03b1 \u03b4\u03b5\u03bd \u03b5\u03c6\u03b1\u03c1\u03bc\u03cc\u03b6\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03bc\u03b7 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03b1 \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03c3\u03b5 \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03c5\u03c0\u03cc \u03ba\u03b1\u03b8\u03b5\u03c3\u03c4\u03ce\u03c2 \u03c1\u03cd\u03b8\u03bc\u03b9\u03c3\u03b7\u03c2 (\u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03ad\u03bd\u03bd\u03bf\u03b9\u03b1 \u03c4\u03c9\u03bd \u03ac\u03c1\u03b8\u03c1\u03c9\u03bd 47\u03b1 \u03ba\u03b1\u03b9 47\u03b2 \u03b1\u03bd\u03c4\u03af\u03c3\u03c4\u03bf\u03b9\u03c7\u03b1 \u03c4\u03bf\u03c5 \u039a\u03b1\u03bd\u03bf\u03bd\u03b9\u03c3\u03bc\u03bf\u03cd (\u0395\u0395) \u03b1\u03c1\u03b9\u03b8. 575\/2013 \u03c4\u03bf\u03c5 \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03bf\u03cd \u039a\u03bf\u03b9\u03bd\u03bf\u03b2\u03bf\u03c5\u03bb\u03af\u03bf\u03c5 \u03ba\u03b1\u03b9 \u03c4\u03bf\u03c5 \u03a3\u03c5\u03bc\u03b2\u03bf\u03c5\u03bb\u03af\u03bf\u03c5), \u03c3\u03b5 \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03bb\u03bf\u03b9\u03c0\u03ad\u03c2 \u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2 \u03c0\u03bf\u03c5 \u03c3\u03c5\u03bd\u03b4\u03ad\u03bf\u03bd\u03c4\u03b1\u03b9 \u03bc\u03b5 \u03c0\u03c1\u03bf\u03b3\u03c1\u03ac\u03bc\u03bc\u03b1\u03c4\u03b1 \u03b5\u03b8\u03bd\u03b9\u03ba\u03ae\u03c2 \u03c3\u03c4\u03b5\u03b3\u03b1\u03c3\u03c4\u03b9\u03ba\u03ae\u03c2 \u03c0\u03bf\u03bb\u03b9\u03c4\u03b9\u03ba\u03ae\u03c2 \u03ae \u03c0\u03c1\u03ac\u03c3\u03b9\u03bd\u03b7\u03c2 \u03bc\u03b5\u03c4\u03ac\u03b2\u03b1\u03c3\u03b7\u03c2, \u03c4\u03b1 \u03bf\u03c0\u03bf\u03af\u03b1 \u03b4\u03b9\u03ad\u03c0\u03bf\u03bd\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03b5\u03b9\u03b4\u03b9\u03ba\u03cc\u03c4\u03b5\u03c1\u03bf\u03c5\u03c2 \u03cc\u03c1\u03bf\u03c5\u03c2 \u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03cb\u03c0\u03bf\u03b8\u03ad\u03c3\u03b5\u03b9\u03c2 (\u03cc\u03c0\u03c9\u03c2 \u03c0.\u03c7. \u03c4\u03bf \u03c0\u03c1\u03cc\u03b3\u03c1\u03b1\u03bc\u03bc\u03b1 \u00ab\u03a3\u03c0\u03af\u03c4\u03b9 \u039c\u03bf\u03c5\u00bb), \u03ba\u03b1\u03b8\u03ce\u03c2 \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03c3\u03b5 \u03bc\u03b5\u03c4\u03b1\u03b2\u03b9\u03b2\u03b1\u03b6\u03cc\u03bc\u03b5\u03bd\u03b1 \u03c7\u03b1\u03c1\u03c4\u03bf\u03c6\u03c5\u03bb\u03ac\u03ba\u03b9\u03b1 \u03b1\u03c0\u03cc \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03af\u03b5\u03c2 \u03b4\u03b9\u03b1\u03c7\u03b5\u03af\u03c1\u03b9\u03c3\u03b7\u03c2 \u03b1\u03c0\u03b1\u03b9\u03c4\u03ae\u03c3\u03b5\u03c9\u03bd \u03b1\u03c0\u03cc \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2 \u03c4\u03bf\u03c5 \u03bd. 5072\/2023.<\/p>\n<p>\u0395\u03c0\u03af\u03c3\u03b7\u03c2, \u03b4\u03af\u03bd\u03b5\u03c4\u03b1\u03b9 \u03b7 \u03b4\u03c5\u03bd\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 \u03b5\u03ba\u03c4\u03b1\u03bc\u03af\u03b5\u03c5\u03c3\u03b7\u03c2 \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03ba\u03b1\u03b9 \u03bb\u03bf\u03b9\u03c0\u03ce\u03bd \u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03c9\u03bd \u03ba\u03b1\u03b8\u2019 \u03c5\u03c0\u03ad\u03c1\u03b2\u03b1\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b1\u03bd\u03ce\u03c4\u03b1\u03c4\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03c1\u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03c9\u03bd \u03bf\u03c1\u03af\u03c9\u03bd DSTI-O \u03ba\u03b1\u03b9 LTV-O. \u0397 \u03c5\u03c0\u03ad\u03c1\u03b2\u03b1\u03c3\u03b7 \u03b1\u03bd\u03ac \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03b4\u03cd\u03bd\u03b1\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b1\u03bd\u03ad\u03c1\u03c7\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03ad\u03c9\u03c2 10% \u03c4\u03bf\u03c5 \u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03bf\u03cd \u03b1\u03c1\u03b9\u03b8\u03bc\u03bf\u03cd \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03ba\u03b1\u03b9 \u03bb\u03bf\u03b9\u03c0\u03ce\u03bd \u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03c9\u03bd \u03c0\u03bf\u03c5 \u03b5\u03b3\u03ba\u03c1\u03af\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03ba\u03b1\u03b9 \u03ad\u03c7\u03bf\u03c5\u03bd \u03ad\u03c3\u03c4\u03c9 \u03b5\u03bd \u03bc\u03ad\u03c1\u03b5\u03b9 \u03b5\u03ba\u03c4\u03b1\u03bc\u03b9\u03b5\u03c5\u03b8\u03b5\u03af \u03b5\u03bd\u03c4\u03cc\u03c2 \u03ad\u03ba\u03b1\u03c3\u03c4\u03bf\u03c5 \u03b7\u03bc\u03b5\u03c1\u03bf\u03bb\u03bf\u03b3\u03b9\u03b1\u03ba\u03bf\u03cd \u03c4\u03c1\u03b9\u03bc\u03ae\u03bd\u03bf\u03c5.<\/p>\n<p>\u0397 \u03b1\u03c1\u03bc\u03bf\u03b4\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03b7\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03c4\u03b7\u03c2 \u0395\u03bb\u03bb\u03ac\u03b4\u03bf\u03c2 \u03bd\u03b1 \u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03b5\u03b9 \u03bc\u03b1\u03ba\u03c1\u03bf\u03c0\u03c1\u03bf\u03bb\u03b7\u03c0\u03c4\u03b9\u03ba\u03ac \u03bc\u03ad\u03c4\u03c1\u03b1 \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ac \u03bc\u03b5 \u03c4\u03b7 \u03b4\u03b1\u03bd\u03b5\u03b9\u03b1\u03ba\u03ae \u03b5\u03c0\u03b9\u03b2\u03ac\u03c1\u03c5\u03bd\u03c3\u03b7 \u03c0\u03c1\u03bf\u03ba\u03cd\u03c0\u03c4\u03b5\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf \u03ac\u03c1\u03b8\u03c1\u03bf 133A \u03c4\u03bf\u03c5 \u03bd. 4261\/2014.<\/p>\n<h4>\u039f \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03c4\u03c9\u03bd \u03bc\u03ad\u03c4\u03c1\u03c9\u03bd<\/h4>\n<p>\u03a4\u03b1 \u03bc\u03b1\u03ba\u03c1\u03bf\u03c0\u03c1\u03bf\u03bb\u03b7\u03c0\u03c4\u03b9\u03ba\u03ac \u03bc\u03ad\u03c4\u03c1\u03b1 \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ac \u03bc\u03b5 \u03c4\u03b7 \u03b4\u03b1\u03bd\u03b5\u03b9\u03b1\u03ba\u03ae \u03b5\u03c0\u03b9\u03b2\u03ac\u03c1\u03c5\u03bd\u03c3\u03b7 \u03c0\u03bf\u03c5 \u03b5\u03c6\u03b1\u03c1\u03bc\u03cc\u03b6\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u03b4\u03b1\u03bd\u03b5\u03b9\u03bf\u03bb\u03ae\u03c0\u03c4\u03b7 \u03c3\u03c5\u03bd\u03af\u03c3\u03c4\u03b1\u03bd\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b7 \u03b8\u03ad\u03c3\u03c0\u03b9\u03c3\u03b7 \u03bf\u03c1\u03af\u03c9\u03bd \u03c3\u03b5 \u03b5\u03c0\u03b9\u03bc\u03ad\u03c1\u03bf\u03c5\u03c2 \u03b4\u03b5\u03af\u03ba\u03c4\u03b5\u03c2 \u03c0\u03bf\u03c5 \u03c3\u03c5\u03bd\u03b4\u03ad\u03bf\u03bd\u03c4\u03b1\u03b9 \u03bc\u03b5 \u03c4\u03b7\u03bd \u03c0\u03af\u03c3\u03c4\u03c9\u03c3\u03b7 \u03ae \u03bc\u03b5 \u03c4\u03bf \u03b4\u03b1\u03bd\u03b5\u03b9\u03bf\u03bb\u03ae\u03c0\u03c4\u03b7 \u03ae \u03bc\u03b5 \u03b5\u03c0\u03b9\u03bc\u03ad\u03c1\u03bf\u03c5\u03c2 \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03b7\u03c1\u03b9\u03c3\u03c4\u03b9\u03ba\u03ac \u03c4\u03b7\u03c2 \u03c0\u03af\u03c3\u03c4\u03c9\u03c3\u03b7\u03c2. \u03a3\u03c4\u03bf\u03c7\u03b5\u03cd\u03bf\u03c5\u03bd \u03c3\u03c4\u03b7\u03bd \u03c0\u03c1\u03cc\u03bb\u03b7\u03c8\u03b7 \u03ae \u03c4\u03bf\u03bd \u03c0\u03b5\u03c1\u03b9\u03bf\u03c1\u03b9\u03c3\u03bc\u03cc \u03c4\u03c9\u03bd \u03c3\u03c5\u03c3\u03c4\u03b7\u03bc\u03b9\u03ba\u03ce\u03bd \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03c9\u03bd \u03c0\u03bf\u03c5 \u03b1\u03c0\u03bf\u03c1\u03c1\u03ad\u03bf\u03c5\u03bd \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b1\u03b3\u03bf\u03c1\u03ac \u03b1\u03ba\u03b9\u03bd\u03ae\u03c4\u03c9\u03bd \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1 \u03ba\u03b1\u03b9 \u03c3\u03c5\u03bd\u03b4\u03ad\u03bf\u03bd\u03c4\u03b1\u03b9 \u03bc\u03b5 \u03c4\u03b7 \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03cc\u03c4\u03b7\u03c3\u03b7 \u03bd\u03bf\u03b9\u03ba\u03bf\u03ba\u03c5\u03c1\u03b9\u03ce\u03bd \u03ae\/\u03ba\u03b1\u03b9 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03c9\u03bd \u03bc\u03b5 \u03b5\u03be\u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7 \u03bf\u03b9\u03ba\u03b9\u03c3\u03c4\u03b9\u03ba\u03ac \u03ae \u03b5\u03c0\u03b1\u03b3\u03b3\u03b5\u03bb\u03bc\u03b1\u03c4\u03b9\u03ba\u03ac \u03b1\u03ba\u03af\u03bd\u03b7\u03c4\u03b1.<\/p>\n<p>\u03a3\u03c5\u03bc\u03b2\u03ac\u03bb\u03bb\u03bf\u03c5\u03bd \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03b5\u03c5\u03c1\u03cd\u03c4\u03b5\u03c1\u03b1 \u03c3\u03c4\u03b7\u03bd \u03c0\u03c1\u03cc\u03bb\u03b7\u03c8\u03b7 \u03c4\u03b7\u03c2 \u03c5\u03c0\u03ad\u03c1\u03bc\u03b5\u03c4\u03c1\u03b7\u03c2 \u03c7\u03b1\u03bb\u03ac\u03c1\u03c9\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03c0\u03b9\u03c3\u03c4\u03bf\u03b4\u03bf\u03c4\u03b9\u03ba\u03ce\u03bd \u03ba\u03c1\u03b9\u03c4\u03b7\u03c1\u03af\u03c9\u03bd \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u03b5\u03bd\u03af\u03c3\u03c7\u03c5\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03c4\u03bf\u03c5 \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03bf\u03cd \u03c3\u03c5\u03c3\u03c4\u03ae\u03bc\u03b1\u03c4\u03bf\u03c2. \u03a4\u03b1 \u03bc\u03ad\u03c4\u03c1\u03b1 \u03b1\u03c5\u03c4\u03ac \u03b5\u03af\u03bd\u03b1\u03b9 \u03c3\u03c5\u03bc\u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03b1\u03c4\u03b9\u03ba\u03ac \u03c0\u03c1\u03bf\u03c2 \u03ac\u03bb\u03bb\u03b1 \u03bc\u03b1\u03ba\u03c1\u03bf\u03c0\u03c1\u03bf\u03bb\u03b7\u03c0\u03c4\u03b9\u03ba\u03ac \u03bc\u03ad\u03c4\u03c1\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b1\u03bd\u03c4\u03b9\u03bc\u03b5\u03c4\u03ce\u03c0\u03b9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03ba\u03c5\u03ba\u03bb\u03b9\u03ba\u03ce\u03bd \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c1\u03b8\u03c1\u03c9\u03c4\u03b9\u03ba\u03ce\u03bd \u03c3\u03c5\u03c3\u03c4\u03b7\u03bc\u03b9\u03ba\u03ce\u03bd \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03c9\u03bd \u03c0\u03bf\u03c5 \u03b5\u03c0\u03b7\u03c1\u03b5\u03ac\u03b6\u03bf\u03c5\u03bd \u03c4\u03b9\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ad\u03c2 \u03b1\u03c0\u03b1\u03b9\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c4\u03c9\u03bd \u03b9\u03b4\u03c1\u03c5\u03bc\u03ac\u03c4\u03c9\u03bd, \u03cc\u03c0\u03c9\u03c2 \u03c4\u03bf \u03b1\u03c0\u03cc\u03b8\u03b5\u03bc\u03b1 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b5\u03af\u03b1\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03bb\u03bf\u03b9\u03c0\u03ac \u03c3\u03c5\u03c3\u03c4\u03b7\u03bc\u03b9\u03ba\u03ac \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac \u03b9\u03b4\u03c1\u03cd\u03bc\u03b1\u03c4\u03b1 (\u03b1\u03c0\u03cc\u03b8\u03b5\u03bc\u03b1 O-SII).<\/p>\n<p>\u03a3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03c4\u03b1\u03b9 \u03cc\u03c4\u03b9 \u03c9\u03c2 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03ad\u03c4\u03b7\u03c3\u03b7\u03c2 \u03c7\u03c1\u03ad\u03bf\u03c5\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03b5\u03b9\u03c3\u03cc\u03b4\u03b7\u03bc\u03b1 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03ad\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7 (debt service-to-income at origination \u2013 DSTI-O) \u03bf\u03c1\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03c4\u03bf \u03b5\u03c4\u03ae\u03c3\u03b9\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03ad\u03c4\u03b7\u03c3\u03b7\u03c2 \u03c4\u03bf\u03c5 \u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03bf\u03cd \u03c7\u03c1\u03ad\u03bf\u03c5\u03c2 \u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03bf \u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03cc \u03b5\u03c4\u03ae\u03c3\u03b9\u03bf \u03b4\u03b9\u03b1\u03b8\u03ad\u03c3\u03b9\u03bc\u03bf \u03b5\u03b9\u03c3\u03cc\u03b4\u03b7\u03bc\u03b1 \u03c4\u03bf\u03c5 \u03b4\u03b1\u03bd\u03b5\u03b9\u03bf\u03bb\u03ae\u03c0\u03c4\u03b7 \u03ba\u03b1\u03c4\u03ac \u03c4\u03bf \u03c7\u03c1\u03cc\u03bd\u03bf \u03ad\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7\u03c2 \u03c4\u03bf\u03c5 \u03b4\u03b1\u03bd\u03b5\u03af\u03bf\u03c5 \u03ae \u03c4\u03b7\u03c2 \u03c0\u03af\u03c3\u03c4\u03c9\u03c3\u03b7\u03c2.<\/p>\n<p>\u03a9\u03c2 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u03b4\u03b1\u03bd\u03b5\u03af\u03bf\u03c5 \u03c0\u03c1\u03bf\u03c2 \u03b1\u03be\u03af\u03b1 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03ad\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7 (loan-to-value at origination \u2013 LTV-O), \u03c4\u03bf \u03c3\u03cd\u03bd\u03bf\u03bb\u03bf \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03ae \u03c4\u03bc\u03b7\u03bc\u03ac\u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03ba\u03b1\u03b9 \u03bb\u03bf\u03b9\u03c0\u03ce\u03bd \u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03c9\u03bd \u03c0\u03bf\u03c5 \u03b5\u03be\u03b1\u03c3\u03c6\u03b1\u03bb\u03af\u03b6\u03bf\u03bd\u03c4\u03b1\u03b9 \u03bc\u03b5 \u03b1\u03ba\u03af\u03bd\u03b7\u03c4\u03bf \u03b1\u03c0\u03cc \u03c4\u03bf \u03b4\u03b1\u03bd\u03b5\u03b9\u03bf\u03bb\u03ae\u03c0\u03c4\u03b7 \u03ba\u03b1\u03c4\u03ac \u03c4\u03bf \u03c7\u03c1\u03cc\u03bd\u03bf \u03ad\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7\u03c2 \u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b1\u03be\u03af\u03b1 \u03c4\u03bf\u03c5 \u03c5\u03c0\u03ad\u03b3\u03b3\u03c5\u03bf\u03c5 \u03b1\u03ba\u03b9\u03bd\u03ae\u03c4\u03bf\u03c5 \u03ba\u03b1\u03c4\u03ac \u03c4\u03bf \u03c7\u03c1\u03cc\u03bd\u03bf \u03ad\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7\u03c2.<\/p>\n<p>\u03a4\u03ad\u03bb\u03bf\u03c2, \u03c9\u03c2 \u03b1\u03b3\u03bf\u03c1\u03b1\u03c3\u03c4\u03ae\u03c2 \u03b3\u03b9\u03b1 \u03c0\u03c1\u03ce\u03c4\u03b7 \u03c6\u03bf\u03c1\u03ac \u03bb\u03bf\u03b3\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03bf \u03b4\u03b1\u03bd\u03b5\u03b9\u03bf\u03bb\u03ae\u03c0\u03c4\u03b7\u03c2 \u03c3\u03c4\u03bf\u03bd \u03bf\u03c0\u03bf\u03af\u03bf \u03b4\u03b5\u03bd \u03ad\u03c7\u03b5\u03b9 \u03c7\u03bf\u03c1\u03b7\u03b3\u03b7\u03b8\u03b5\u03af \u03c3\u03c4\u03bf \u03c0\u03b1\u03c1\u03b5\u03bb\u03b8\u03cc\u03bd \u03b4\u03ac\u03bd\u03b5\u03b9\u03bf \u03ae \u03c0\u03af\u03c3\u03c4\u03c9\u03c3\u03b7 \u03bc\u03b5 \u03b5\u03be\u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7 \u03bf\u03b9\u03ba\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u03b1\u03ba\u03af\u03bd\u03b7\u03c4\u03bf.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0391\u03bd\u03ce\u03c4\u03b1\u03c4\u03b1 \u03b5\u03c0\u03b9\u03c4\u03c1\u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03b1 \u03cc\u03c1\u03b9\u03b1 \u03c9\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03ad\u03c4\u03b7\u03c3\u03b7\u03c2 \u03c7\u03c1\u03ad\u03bf\u03c5\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03bf \u03b5\u03b9\u03c3\u03cc\u03b4\u03b7\u03bc\u03b1 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03ad\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7 \u03b5\u03bd\u03cc\u03c2 \u03b4\u03b1\u03bd\u03b5\u03af\u03bf\u03c5 \u03ba\u03b1\u03b9 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03b4\u03b1\u03bd\u03b5\u03af\u03bf\u03c5 \u03c0\u03c1\u03bf\u03c2 \u03b1\u03be\u03af\u03b1 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03ad\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7, \u03b5\u03c0\u03b9\u03b2\u03ac\u03bb\u03bb\u03b5\u03b9 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd 1\u03b7 \u0399\u03b1\u03bd\u03bf\u03c5\u03b1\u03c1\u03af\u03bf\u03c5 2025 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03bd\u03ad\u03b1 \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03bb\u03bf\u03b9\u03c0\u03ad\u03c2 \u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2 \u03b7\u00a0\u03a4\u03c4\u0395. \u03a3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b1, \u03bc\u03b5 \u03c4\u03b7\u03bd \u03a0\u03c1\u03ac\u03be\u03b7 \u0395\u03ba\u03c4\u03b5\u03bb\u03b5\u03c3\u03c4\u03b9\u03ba\u03ae\u03c2 \u0395\u03c0\u03b9\u03c4\u03c1\u03bf\u03c0\u03ae\u03c2 227\/1\/08.03.2024 (\u03a6\u0395\u039a \u0392 1716, 15.03.2024), \u03b7 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03c4\u03b7\u03c2 \u0395\u03bb\u03bb\u03ac\u03b4\u03bf\u03c2 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":88832,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[61,1888,81],"_links":{"self":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/88833"}],"collection":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=88833"}],"version-history":[{"count":1,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/88833\/revisions"}],"predecessor-version":[{"id":88834,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/88833\/revisions\/88834"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/media\/88832"}],"wp:attachment":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=88833"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=88833"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=88833"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}