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In particular, it offers its customers a Consistent Borrower Reward Program, which aims to reduce current interest rates on floating rate mortgages, regardless of currency, as well as protect borrowers from potential future increases in benchmark rates over the next 12 months. This action follows the Program for subsidizing mortgage installments for vulnerable households (VULNERABLE Program).

The above actions, the bank states, which take place in the context of the institutional dialogue with the state, demonstrate in practice that the National Bank is a helper to the country's households, rewarding consistent borrowers and supporting its vulnerable customers consistently and responsibly, while the the cost of the Reward Program is assumed exclusively by the National Bank.

More specifically, the Reward Program includes all holders of Floating Rate Mortgage Loans (regardless of whether they have already joined or will join the Vulnerable Households Interest Rate Subsidy Program) who:

disbursed their loan by 12/31/2022 and

the loan shows no arrears with a reference date of April 28, 2023

The Reward Program provides, for a period of 12 months:

application of the reference interest rate in force on 31/03/2023 reduced by 0.2% and

absorption of future increases in reference rates that may occur within the next 12 months

In this way, the holders of floating interest loans will be able to enjoy the benefits of the fixed interest rate for a period of 1 year.

To maintain the new pricing, the loan must remain current during the Program.

Borrowers who fall within the scope of application will automatically join the Program, without requiring any action on their part. The update on the reduced interest rate of the loan and the reduced installment will be done through the copies of May accounts and will concern the June installment.