{"id":287,"date":"2012-02-03T23:26:56","date_gmt":"2012-02-03T23:26:56","guid":{"rendered":"http:\/\/indrumarijuridice.wordpress.com\/?p=287"},"modified":"2020-03-19T14:14:27","modified_gmt":"2020-03-19T12:14:27","slug":"creditele-de-consum-despre-banii-din-banci-si-accesul-mai-greu-la-ei","status":"publish","type":"post","link":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/creditele-de-consum-despre-banii-din-banci-si-accesul-mai-greu-la-ei\/","title":{"rendered":"Creditele de consum.Despre banii din banci si accesul mai greu la ei."},"content":{"rendered":"

NOILE CONDITII DE CREDITARE NU MAI PERMIT ACCESUL LA\u00a0\u00a0\u00a0 CREDITELE DE CONSUM<\/strong><\/p>\n

\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Incepand cu data de 31 ianuarie a intrat in vigoare Noul\u00a0 Regulament al Bancii Nationale privind avansul minim obligatoriu de 15 la suta la creditele ipotecare dupa ce, in 2011, Banca Centrala a modificat conditiile de acordare a creditelor pentru cumpararea unei locuinte. Astfel persoanele fizice care vor sa contracteze un credit ipotecar sau imobiliar si au veniturile in lei vor trebui sa achite un avans de minimum 15 la suta din valoarea locuintei cumparate la creditele in euro si de cel putin 40 la suta la creditele in dolari, franci elvetieni sau yeni`, potrivit noului regulament al BNR, care devine aplicabil incepand cu 31 ianuarie, la 90 de zile dupa ce a fost publicat in Monitorul Oficial din 31 octombrie 2011.Noile conditii de creditare cumulate cu veniturile mici, retincenta bancilor in a acorda imprumuturi, in aceasta privinta ar putea impiedica romanii sa mai acceseze credite, incepand din 2012, cel putin cat timp va mai dura criza.
\nIntr-o situatie economica fragila, atat in Romania, cat si in plan international, regulile mai stricte impuse de banca centrala, menite a reduce numarul creditelor neperformante si mai ales pe cele in valuta<\/a> (sa ne amintim de isteria provocata in randul debitorilor cand francul elvetian a atins cote maxime fata de leu<\/a>), ar putea omori in fasa speranta unor persoane cu venituri medii de a-si lua un imprumut<\/a>, fie pentru casa, masina sau de nevoi personale.
\nIncepand cu data de 3 ianuarie, potrivit Noului Regulament BNR<\/a>, , un credit de consum, de exemplu, poate fi acordat pe o perioada de maximum 5 ani. Inainte de 31 ianuarie, aceste credite puteau fi luate pe o perioada de pana la 15 ani.
\nUn client cu venituri medii va mai putea contracta imprumuturi chiar cu jumatate mai mici decat sumele pe care le-ar fi putut accesa in conformitate cu fostul regulament.
\nIn cee ce priveste acordare de credite de consum denominate in valuta, clientii trebuie sa depuna si garantii reale si\/sau personale, la nivelul minim de 133 la suta din suma ceruta. De la aceasta specificare se exclud facilitatile de creditare prin descoperire de cont sau prin carduri de credit, a caror valoare nu depaseste de trei ori nivelul veniturilor nete lunare.
\nDe la aplicarea noului regulament pot face excep\u0163ie creditele \u00een scop medical, cele de studii sau de deces. De asemenea, sunt exceptate creditele pentru care pe toat\u0103 perioada de acordare exist\u0103 o acoperire cu depozit colateral, precum \u015fi creditele acordate exclusiv \u00een restructur\u0103rii la acela\u015fi \u00eemprumut\u0103tor, din considerente de dificult\u0103\u0163i ale debitorului.
\nIn cazul creditelor ipotecare, clientii vor trebui sa aiba deja la dispozitie sume foarte mari de bani, pentru avans. Astfel, la creditele in euro, avansul minim a fost crescut de banca centrala la 25 de procente, iar, la creditele in alte valute (franci elvetieni sau dolari), avansul minim necesar se ridica la nu mai putin de 40 la suta, pentru persoanele care realizeaza veniturile in moneda<\/a> nationala.
\nCel mai mare impact al regulamentului va fi pe creditele de consum, unde suma maxim
\nDaca vreti imprumuturi imobiliare in lei, acestea nu pot depasi pragul de 85 la suta din valoarea garantiei ipotecare. Daca sunteti platiti in valuta si doriti un credit tot in valuta, acesta nu poate depasi 80 la suta din garantia ipotecara. Daca veniturile sunt in lei, iar creditul in valuta, limita coboara la 75 de procente.
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Avocat Cuculis – Titular de cabinet si membru al Uniunii Nationale a Barourilor din Romania – Specialist in Drept Penal si Comercial<\/p>\n","protected":false},"excerpt":{"rendered":"

NOILE CONDITII DE CREDITARE NU MAI PERMIT ACCESUL LA\u00a0\u00a0\u00a0 CREDITELE DE CONSUM \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Incepand cu data de 31 ianuarie a intrat in vigoare Noul\u00a0 Regulament al Bancii Nationale privind avansul minim obligatoriu de 15 la suta la creditele ipotecare dupa ce, in 2011, Banca Centrala a modificat conditiile de acordare a creditelor pentru cumpararea unei […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[4],"tags":[295,296,297,298],"class_list":["post-287","post","type-post","status-publish","format-standard","hentry","category-avocat-instanta-raspunsuri-juridice","tag-banci","tag-credit","tag-despre","tag-despre-banci"],"yoast_head":"\nCreditele de consum.Despre banii din banci si accesul mai greu la ei. - 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SCA. Cuculis&Asociatii gestioneaza 52000 de dosare cu o experienta de necontestat pe tot planul juridic din intreaga tara. \\\"Nimeni nu este mai presus de lege, spune un principiu al echitatii, egalitatii si moralitatii. Biroul de Avocatura Cuculis si Asociatii s-a remarcat prin promptitudinea prin care a raspuns intodeauna nevoilor zilnice ale justitiabililor cu raspunsuri ferme de cel mai inalt grad profesional si cu dedicatie si pasiune, astfel desavarsind arta Dreptului. A face avocatura nu inseamna sa stai la un birou asa cum probabil marea majoritatea ar putea sa descrie munca de avocat. A fi un avocat inseamna sa te pui in situatia clientului sa ii intelegi probleme ca si cum ar fi a ta, sa mergi in fata justitiei si sa pui problema in modul cel mai favorabil si just pentru clientul tau. Inseamna sa analizezi toate compenentele unui dosar si sa-i faci radiografia precum un doctor apoi sa te pronunti si sa-i pui un diagnostic. 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Cuculis&Asociatii gestioneaza 52000 de dosare cu o experienta de necontestat pe tot planul juridic din intreaga tara. \"Nimeni nu este mai presus de lege, spune un principiu al echitatii, egalitatii si moralitatii. Biroul de Avocatura Cuculis si Asociatii s-a remarcat prin promptitudinea prin care a raspuns intodeauna nevoilor zilnice ale justitiabililor cu raspunsuri ferme de cel mai inalt grad profesional si cu dedicatie si pasiune, astfel desavarsind arta Dreptului. A face avocatura nu inseamna sa stai la un birou asa cum probabil marea majoritatea ar putea sa descrie munca de avocat. A fi un avocat inseamna sa te pui in situatia clientului sa ii intelegi probleme ca si cum ar fi a ta, sa mergi in fata justitiei si sa pui problema in modul cel mai favorabil si just pentru clientul tau. Inseamna sa analizezi toate compenentele unui dosar si sa-i faci radiografia precum un doctor apoi sa te pronunti si sa-i pui un diagnostic. De aceea putem sa spunem ca avem cei mai buni avocati din Romania alaturi de noi, cu peste 30 de ani de experienta in domeniul avocaturii si justitiei Romanesti. Credem in buna aplicare a legii si fiecare dosar il tratam extrem de confidential si serios. Toti avocatii colaboratori sunt membrii ai UNBR, admisi cu rezultate deosebite, dar cu o puternica experienta, specializati in domenii complexe si vaste ale vietii juridice. Ceea ce trebuie retinut este faptul ca echipa noastra pune pe primul plan interesele clientului, interesele financiare ale avocatilor trecand pe planul al doilea, acest lucru evidentiindu-se si prin tarifele minimale practicate de noi.Prioritatea nostra suprema este aceea de a oferi clientilor servicii juridice de cea mai buna calitate profesionala si morala.\u201d","sameAs":["http:\/\/www.indrumari-juridice.eu","https:\/\/www.facebook.com\/AvocatCuculis\/","https:\/\/www.instagram.com\/adriancalincuculis\/","https:\/\/www.linkedin.com\/in\/cuculis-adrian-00396036\/"]}]}},"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p3Vc4J-4D","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/wp-json\/wp\/v2\/posts\/287","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/wp-json\/wp\/v2\/comments?post=287"}],"version-history":[{"count":0,"href":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/wp-json\/wp\/v2\/posts\/287\/revisions"}],"wp:attachment":[{"href":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/wp-json\/wp\/v2\/media?parent=287"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/wp-json\/wp\/v2\/categories?post=287"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/wp-json\/wp\/v2\/tags?post=287"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}