{"id":84008,"date":"2016-09-15T11:27:14","date_gmt":"2016-09-15T08:27:14","guid":{"rendered":"http:\/\/indrumari-juridice.eu\/indrumarijuridice\/?p=84008"},"modified":"2020-03-19T14:11:14","modified_gmt":"2020-03-19T12:11:14","slug":"conversia-creditelor-si-legea-creditelor-imobiliare-schimbata-directiva-17-din-2014-implementata-adio-recuperari-creante-fara-control-avocat-cuculis","status":"publish","type":"post","link":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/conversia-creditelor-si-legea-creditelor-imobiliare-schimbata-directiva-17-din-2014-implementata-adio-recuperari-creante-fara-control-avocat-cuculis\/","title":{"rendered":"Conversia Creditelor Si Legea Creditelor Imobiliare Schimbata &#8211; Directiva 17 Din 2014 Implementata &#8211; Adio Recuperari Creante Fara Control  &#8211; Avocat Cuculis"},"content":{"rendered":"<h2>Conversia Creditelor La Indemana Debitorilor &#8211; Vedeti Ce Prevede Noul Act Normativ &#8211; Avocat Cuculis<\/h2>\n<h3>Guvernul a adoptat ast\u0103zi o ordonan\u021b\u0103 de urgen\u021b\u0103 care are ca obiect reglementarea drepturilor \u0219i obliga\u021biilor p\u0103r\u021bilor \u00een ceea ce prive\u0219te contractele de credit oferite consumatorilor pentru bunuri imobile, precum \u0219i modificarea Ordonan\u021bei de urgen\u021b\u0103 a Guvernului 50\/2010 privind contractele de credit pentru consumatori.<\/h3>\n<h4>Actul normativ transpune la nivel na\u021bional dispozi\u021biile Directivei nr. 2014\/17\/UE \u0219i reglementeaz\u0103 unele aspecte specifice pie\u021bei \u0219i practicilor na\u021bionale.<\/h4>\n<p>Ordonan\u021ba se aplic\u0103 tuturor contractelor de credit ce au ca obiect transferul dreptului de proprietate asupra unui bun imobil ori ce sunt garantate cu bunuri imobile, respectiv contractelor de credit legate \u00een vreun fel de bunuri imobile destinate consumatorilor. Prin consumatori se \u00een\u021belege persoanele fizice, inclusiv codebitorii, ce ac\u021bioneaz\u0103 \u00een scopuri care se afl\u0103 \u00een afara activit\u0103\u021bii sale comerciale sau profesionale.<\/p>\n<p>Ordonan\u021ba cuprinde prevederi referitoare la informarea corect\u0103 \u0219i complet\u0103 a consumatorilor care solicit\u0103 credite imobiliare sau garantate cu ipotec\u0103. Informarea se refer\u0103 at\u00e2t la publicitatea produselor bancare, c\u00e2t \u0219i la informarea precontractual\u0103 a consumatorilor. Este vorba at\u00e2t despre informa\u021bii generale, care trebuie s\u0103 fie corecte, clare \u0219i s\u0103 nu fie susceptibile de a induce \u00een eroare, c\u00e2t \u0219i despre informa\u021biile personalizate de care consumatorul are nevoie pentru a compara produsele de credit disponibile pe pia\u021b\u0103, a evalua implica\u021biile lor \u0219i a decide \u00een cuno\u0219tin\u021b\u0103 de cauz\u0103 dac\u0103 \u00eencheie sau nu un contract de credit. Aceste informa\u021bii sunt oferite prin intermediul Fi\u0219ei Europene de Informa\u021bii Standardizate (FEIS). Aceste informa\u021bii vor fi oferite \u00een timp util, dar nu mai pu\u021bin de 15 zile calendaristice \u00eenainte de semnarea unui contract. Informa\u021biile cuprinse \u00een FEIS nu pot fi modificate \u0219i reprezint\u0103 un angajament ferm pentru creditor.<\/p>\n<p>\u00cen ceea ce prive\u0219te costurile pentru consumator, ordonan\u021ba prevede:<\/p>\n<ul>\n<li>Interdic\u021bia creditorilor ca, pe parcursul derul\u0103rii contractului, s\u0103 majoreze comisioanele, s\u0103 introduc\u0103 noi comisioane, s\u0103 perceap\u0103 comisioane pentru depunerea de numerar (plata ratelor) sau retragerea sumelor creditate, s\u0103 perceap\u0103 comision la rescaden\u021bare sau ree\u0219alonare, precum \u0219i perceperea unor comisioane \u00een situa\u0163iile \u00een care consumatorii solicit\u0103 schimbarea garan\u0163iilor (\u00een condi\u0163iile \u00een care consumatorul pl\u0103te\u015fte toate costurile aferente constituirii \u015fi evalu\u0103rii noilor garan\u0163ii).<\/li>\n<li>Interzicerea modific\u0103rii \u00een sens cresc\u0103tor a marjei de dob\u00e2nd\u0103, sau, dup\u0103 caz, a ratei dob\u00e2nzii fixe, iar \u00een cazul acord\u0103rii la solicitarea consumatorului de rescaden\u021b\u0103ri, ree\u0219alon\u0103ri, perioade de gra\u021bie, interzicerea introducerii sau major\u0103rii comisioanelor aplicabile sau introducerea unor elemente noi de cost.<\/li>\n<\/ul>\n<p>Referitor la rambursarea anticipat\u0103, potrivit actului normativ adoptat ast\u0103zi consumatorul are dreptul, \u00een orice moment, s\u0103 ramburseze integral sau par\u021bial obliga\u021biile care \u00eei revin \u00een temeiul unui contract de credit \u00eenainte de \u00eencetarea acestuia. \u00cen acest caz, consumatorul are dreptul la o reducere a costului total al creditului, aceast\u0103 reducere const\u00e2nd \u00een dob\u00e2nda \u0219i costurile aferente sumei rambursate anticipat pentru perioada dintre data ramburs\u0103rii anticipate \u0219i data prev\u0103zut\u0103 pentru \u00eencetarea contractului de credit. Creditorul nu are dreptul s\u0103 aplice penaliz\u0103ri, s\u0103 perceap\u0103 compensa\u021bie sau orice alte costuri de la consumator \u00een cazul ramburs\u0103rii anticipate.<\/p>\n<p>De asemenea, privind eventualele probleme la achitarea ratelor, ordonan\u021ba prevede:<\/p>\n<ul>\n<li>Obliga\u021bia creditorilor de a veni \u00een sprijinul consumatorilor atunci c\u00e2nd ace\u0219tia au dificult\u0103\u021bi la rambursarea creditului.<\/li>\n<li>Creditorul trebuie s\u0103 elaboreze proceduri pentru a identifica, \u00een cel mai scurt timp, consumatorii afla\u021bi \u00een dificultate de plat\u0103, \u00een scopul prevenirii acumul\u0103rii restan\u021belor. Concret, creditorii vor trebui s\u0103 ofere solu\u021bii \u00een func\u021bie de situa\u021bia \u00een care se afl\u0103 consumatorul. Printre m\u0103surile ce pot fi propuse consumatorilor se afl\u0103: refinan\u021barea creditului, reducerea cuantumului ratelor lunare pe o perioad\u0103 de timp determinat\u0103, consolidarea mai multor credite (m\u0103sur\u0103 care poate oferi perioad\u0103 mai lung\u0103 de timp \u0219i rat\u0103 mai mic\u0103). Implementarea acestor solu\u021bii se va face f\u0103r\u0103 alte garan\u021bii din partea consumatorului \u0219i f\u0103r\u0103 reevaluarea garan\u021biilor existente.<\/li>\n<li>\u00cen cazul imposibilit\u0103\u021bii consumatorilor de a-\u0219i \u00eendeplini obliga\u021biile contractuale ca urmare a \u00a0 major\u0103rii dob\u00e2nzii cu cel pu\u021bin dou\u0103 puncte procentuale (raportat la momentul \u00eencheierii contractului), creditorul depune toate diligen\u021bele pentru a transmite \u00een scris consumatorului solu\u021bii \u00een raport cu veniturile actuale ale consumatorului, astfel cum rezult\u0103 acestea din documentele justificative. P\u0103r\u021bile agreeaz\u0103 propunerea prin act adi\u021bional ce va fi valabil p\u00e2n\u0103 la dispari\u021bia cauzei, dar nu mai mult de 12 luni.<\/li>\n<li>\u00cen situa\u021biile de executare silit\u0103, se interzice perceperea dob\u00e2nzilor \u0219i a dob\u00e2nzilor penalizatoare.<\/li>\n<\/ul>\n<p>\u00cen ceea ce prive\u0219te recuper\u0103rile de crean\u021be, se interzice:<\/p>\n<ul>\n<li>Cesionarea contractului de credit \u0219i a accesoriilor, precum \u0219i a crean\u021bei c\u0103tre o entitate care nu are sediul social, sucursal\u0103 sau reprezentant \u00een Rom\u00e2nia;<\/li>\n<li>Perceperea de comisioane, dob\u00e2nzi \u0219i dob\u00e2nzi penalizatoare, cu excep\u021bia dob\u00e2nzilor penalizatoare legale;<\/li>\n<li>Perceperea de costuri aferente activit\u0103\u021bii de recuperare, cu excep\u021bia costurilor aferente procedurilor de executare silit\u0103;<\/li>\n<li>Utilizarea de tehnici care s\u0103 h\u0103r\u021buiasc\u0103 sau s\u0103 abuzeze orice persoan\u0103 \u00een leg\u0103tur\u0103 cu recuperarea crean\u021belor;<\/li>\n<li>Contactarea consumatorului, \u00een cadrul procesului de recuperare crean\u021be, la locul de munc\u0103 al acestuia;<\/li>\n<li>Contactarea, \u00een leg\u0103tur\u0103 cu recuperarea crean\u021belor, a oric\u0103rei alte persoane diferit\u0103 de consumator, succesorii legali, avocatul sau \u00eemputernicitul acestuia, creditorul, avocatul sau \u00eemputernicitul creditorului;<\/li>\n<li>Afi\u0219area la u\u0219a apartamentului\/blocului a notific\u0103rilor\/soma\u021biilor\/adreselor \u00een leg\u0103tur\u0103 cu recuperarea crean\u021belor, cu excep\u021bia actelor de procedur\u0103 afi\u0219ate la solicitarea executorului judec\u0103toresc ori a instan\u021bei de judecat\u0103;<\/li>\n<li>Comunicarea entit\u0103\u0163ii de recuperare crean\u0163e cu consumatorul \u00een intervalul orar 20:00 &#8211; 09:00.<\/li>\n<\/ul>\n<p>\u00cen situa\u021bia premerg\u0103toare declar\u0103rii scadente a creditului sau a execut\u0103rii silite, consumatorul are dreptul s\u0103 solicite creditorului v\u00e2nzarea bunului imobil ipotecat direct de c\u0103tre consumator. Creditorul acord\u0103 acest drept pentru o perioad\u0103 de cel pu\u021bin 6 luni. \u00cen aceast\u0103 situa\u021bie, executarea se poate declan\u0219a doar dup\u0103 expirarea perioadei \u00een care consumatorul are dreptul s\u0103 v\u00e2nd\u0103 direct imobilul.<\/p>\n<p>\u00cen ceea ce prive\u0219te conversia contractului, actul normativ prevede dreptul consumatorului de a-\u0219i converti contractul, oric\u00e2nd pe parcursul derul\u0103rii acestuia, \u00een alt\u0103 moned\u0103 (cea \u00een care este retribuit sau cea din \u021bara de re\u0219edin\u021b\u0103) dec\u00e2t cea \u00een care a contractat creditul, la valoarea cursului de schimb al BNR din ziua solicit\u0103rii.<\/p>\n<p>De asemenea, consumatorul are dreptul s\u0103 aleag\u0103 dac\u0103 evaluarea este realizat\u0103 de un evaluator angajat\/ remunerat de creditor sau este realizat\u0103 de un alt evaluator. \u00cen cazul \u00een care consumatorul decide ca evaluarea s\u0103 fie realizat\u0103 de un evaluator ce nu este angajat\/remunerat de creditor, consumatorul are dreptul s\u0103 aleag\u0103 \u00eentre un evaluator dintr-o list\u0103 propus\u0103 de creditor de cel pu\u021bin 15 evaluatori \u0219i orice alt evaluator autorizat, membru al Asocia\u0163iei Na\u0163ionale a Evaluatorilor Autoriza\u0163i din Rom\u00e2nia.<\/p>\n<p>O alt\u0103 prevedere important\u0103 se refer\u0103 la dezvoltatorii imobiliari care pot acorda credite, \u00eencep\u00e2nd cu 1 ianaurie 2017, doar dac\u0103 sunt \u00eenregistra\u021bi la Autoritatea Na\u021bional\u0103 pentru Protec\u021bia Consumatorilor. Totodat\u0103, \u0219i activitatea de recuperare de crean\u021be va putea fi desf\u0103\u0219urat\u0103 doar de entit\u0103\u021bile \u00eenregistrate de ANPC.<\/p>\n<p>Autoritatea competent\u0103 cu asigurarea respect\u0103rii prevederilor ordonan\u021bei de urgen\u021b\u0103 este Autoritatea Na\u021bional\u0103 pentru Protec\u021bia Consumatorilor, care are \u00een vedere orient\u0103rile \u0219i recomand\u0103rile emise de Autoritatea Bancar\u0103 European\u0103 \u00een acest domeniu \u0219i emite, dup\u0103 caz, reglement\u0103ri, instruc\u021biuni \u0219i\/sau preciz\u0103ri prin care stabile\u0219te regimul aplic\u0103rii respectivelor orient\u0103ri \u0219i recomand\u0103ri \u0219i le adapteaz\u0103, daca este cazul, condi\u021biilor specifice pie\u021bei din Rom\u00e2nia.<\/p>\n<p><strong>Ordonan\u021ba de urgen\u021b\u0103 intr\u0103 \u00een vigoare \u00een termen de 10 zile de la data public\u0103rii. \u00a0gov.ro<\/strong><\/p>\n<p>av Cuculis<\/p>\n<p>avocat@indrumari-juridice.eu<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Conversia Creditelor La Indemana Debitorilor &#8211; Vedeti Ce Prevede Noul Act Normativ &#8211; Avocat Cuculis Guvernul a adoptat ast\u0103zi o ordonan\u021b\u0103 de urgen\u021b\u0103 care are ca obiect reglementarea drepturilor \u0219i obliga\u021biilor p\u0103r\u021bilor \u00een ceea ce prive\u0219te contractele de credit oferite consumatorilor pentru bunuri imobile, precum \u0219i modificarea Ordonan\u021bei de urgen\u021b\u0103 a Guvernului 50\/2010 privind contractele [&hellip;]<\/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":[2952],"class_list":["post-84008","post","type-post","status-publish","format-standard","hentry","category-avocat-instanta-raspunsuri-juridice","tag-directiva-172014"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Conversia Creditelor Si Legea Creditelor Imobiliare Schimbata - Directiva 17 Din 2014 Implementata - Adio Recuperari Creante Fara Control - Avocat Cuculis - Cuculis si Asociatii<\/title>\n<meta name=\"description\" content=\"Conversia Creditelor Si Legea Creditelor Imobiliare Schimbata - Directiva 17 Din 2014 Implementata - Adio Recuperari Creante Fara Control - Avocat Cuculis - Cuculis si Asociatii\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/conversia-creditelor-si-legea-creditelor-imobiliare-schimbata-directiva-17-din-2014-implementata-adio-recuperari-creante-fara-control-avocat-cuculis\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Conversia Creditelor Si Legea Creditelor Imobiliare Schimbata - Directiva 17 Din 2014 Implementata - Adio Recuperari Creante Fara Control - Avocat Cuculis\" \/>\n<meta property=\"og:description\" content=\"Conversia Creditelor Si Legea Creditelor Imobiliare Schimbata - Directiva 17 Din 2014 Implementata - Adio Recuperari Creante Fara Control - Avocat Cuculis - Cuculis si Asociatii\" \/>\n<meta property=\"og:url\" content=\"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/conversia-creditelor-si-legea-creditelor-imobiliare-schimbata-directiva-17-din-2014-implementata-adio-recuperari-creante-fara-control-avocat-cuculis\/\" \/>\n<meta property=\"og:site_name\" content=\"Cuculis si Asociatii\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/avocatcuculisadrian\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/AvocatCuculis\/\" \/>\n<meta property=\"article:published_time\" content=\"2016-09-15T08:27:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-03-19T12:11:14+00:00\" \/>\n<meta name=\"author\" content=\"Avocat Cuculis Adrian\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@indrumarij\" \/>\n<meta name=\"twitter:site\" content=\"@indrumarij\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Avocat Cuculis Adrian\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/indrumari-juridice.eu\\\/indrumarijuridice\\\/conversia-creditelor-si-legea-creditelor-imobiliare-schimbata-directiva-17-din-2014-implementata-adio-recuperari-creante-fara-control-avocat-cuculis\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/indrumari-juridice.eu\\\/indrumarijuridice\\\/conversia-creditelor-si-legea-creditelor-imobiliare-schimbata-directiva-17-din-2014-implementata-adio-recuperari-creante-fara-control-avocat-cuculis\\\/\"},\"author\":{\"name\":\"Avocat Cuculis Adrian\",\"@id\":\"https:\\\/\\\/indrumari-juridice.eu\\\/indrumarijuridice\\\/#\\\/schema\\\/person\\\/475c9cd09b4c2f21ddb14c12eee3dd27\"},\"headline\":\"Conversia Creditelor Si Legea Creditelor Imobiliare Schimbata &#8211; 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Cuculis&amp;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-lQY","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/wp-json\/wp\/v2\/posts\/84008","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=84008"}],"version-history":[{"count":0,"href":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/wp-json\/wp\/v2\/posts\/84008\/revisions"}],"wp:attachment":[{"href":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/wp-json\/wp\/v2\/media?parent=84008"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/wp-json\/wp\/v2\/categories?post=84008"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/indrumari-juridice.eu\/indrumarijuridice\/wp-json\/wp\/v2\/tags?post=84008"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}