{"id":3403,"date":"2014-05-18T15:20:17","date_gmt":"2014-05-18T12:20:17","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3403"},"modified":"2024-01-20T14:09:36","modified_gmt":"2024-01-20T12:09:36","slug":"asteptari-implinite","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/asteptari-implinite\/","title":{"rendered":"Asteptari implinite - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3403\" class=\"elementor elementor-3403\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0a72fa e-flex e-con-boxed e-con e-parent\" data-id=\"d0a72fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f0cf2ac elementor-widget elementor-widget-text-editor\" data-id=\"7f0cf2ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>UE va avea o pia\u021b\u0103 integrat\u0103 a creditului ipotecar din 2016<\/h3><p style=\"text-align: justify;\">Sectorul bancar european se aliniaz\u0103 la noi reguli privind contractele de credit oferite consumatorilor pentru bunuri imobile reziden\u021biale \u00eencep\u00e2nd cu data de 21 martie 2016, \u00een conformitate cu prevederile Directivei 2014\/17\/UE. Se recomand\u0103 men\u021binerea sferei de aplicare a legisla\u021biei europene pentru conceperea unui cadru unitar al intermedierii de credite care s\u0103 fie concentrat pe responsabilitatea p\u0103r\u021bilor \u0219i pe restabilirea \u00eencrederii consumatorilor \u0219i ca transpunerea \u00een legisla\u021bia na\u021bional\u0103 s\u0103 se fac\u0103 printr-o lege distinct\u0103.<\/p><p style=\"text-align: justify;\">Aplicarea unor practici responsabile la nivel european privind creditarea persoanelor fizice, av\u00e2nd \u00een vedere perioada \u00eendelungat\u0103 specific\u0103 contractelor de credit pentru bunuri imobile reziden\u021biale \u0219i efectele sociale ale execut\u0103rii silite, va conduce la o protec\u021bie sporit\u0103 a consumatorilor, reducerea riscurilor de credit \u0219i cre\u0219terea stabilit\u0103\u021bii financiare.<\/p><p style=\"text-align: justify;\">Directiva 2014\/17\/UE a Parlamentului European \u0219i a Consiliului privind contractele de credit oferite consumatorilor pentru bunuri imobile reziden\u021biale, publicat\u0103 \u00een luna februarie \u00een Jurnalul Oficial al Uniunii Europene, nu se aplic\u0103 contractelor de credit existente \u00eenainte de 21 martie 2016. Comunitarea bancar\u0103 solicit\u0103 ca directiva european\u0103 s\u0103 fie transpus\u0103 \u00een legisla\u0163ia na\u0163ional\u0103 conform prevederilor aprobate de reglementatorii europeni. Extinderea cu mult a sferei de aplicare a legisla\u021biei europene induce un decalaj amplu \u00een ceea ce prive\u0219te practicile bancare fa\u021b\u0103 de celelalte state europene unde autorit\u0103\u021bile se limiteaz\u0103 strict la prevederile directivelor \u0219i regulamentelor aprobate de legislativul european, inclusiv la nivel de costuri suportate de sistemul bancar.<\/p><p style=\"text-align: justify;\">Statele membre vor publica actele cu putere de lege \u0219i actele administrative necesare pentru a se conforma acestei directive \u00een mai pu\u021bin de doi ani. Apreciem ca fiind oportun\u0103 ca implementarea la nivel de legisla\u021bie na\u021bional\u0103 a Directivei 2014\/17\/UE, care reglementeaz\u0103 contractele de credit referitoare exclusiv sau predominat la bunuri imobile reziden\u021biale, s\u0103 fie sub forma unui act normativ de sine st\u0103t\u0103tor.<\/p><p style=\"text-align: justify;\">Rom\u00e2nia a extins prin OUG 50\/2010 sfera de aplicare a Directivei 2008\/48 privind contractele de credit pentru consumatori \u0219i la creditele garantate cu ipotec\u0103 imobiliar\u0103. Astfel, Rom\u00e2nia este cu un pas \u00eenainte \u00een ceea ce prive\u0219te m\u0103surile de protec\u021bie a consumatorilor parte \u00een contractele de credit pentru bunuri imobile reziden\u021biale. Prin transpunerea printr-o lege distinct\u0103 a Directivei 2014\/17\/UE se evit\u0103 dificult\u0103\u021bile de identificare a prevederilor aplicabile creditelor garantate cu ipotec\u0103 imobiliar\u0103.<\/p><p style=\"text-align: justify;\">Potrivit Directivei, care se aplic\u0103 at\u00e2t b\u0103ncilor c\u00e2t \u015fi institu\u0163iilor financiare nebancare, consumatorii sunt mai bine proteja\u0163i, inclusiv \u00een procedurile de executare silit\u0103 \u0219i va exista prin contract, in conditii specificate, posibilitatea de a converti contractul de credit \u00eentr-o moned\u0103 alternativ\u0103.<\/p><p style=\"text-align: justify;\">Directiva prevede ca statele membre s\u0103 adopte m\u0103suri de \u00eencurajare a creditorilor s\u0103 exercite \u201cindulgen\u021b\u0103 rezonabil\u0103\u201d \u00eenainte de ini\u021bierea procedurii de executare silit\u0103. Se \u00eencearc\u0103 astfel limitarea impactului social determinat de execut\u0103rile silite. \u00cen Rom\u00e2nia, trebuie s\u0103 recunoa\u0219tem nu se poate vorbi de un fenomen \u00een privin\u021ba execut\u0103rilor silite pentru creditele ipotecare. \u00a0Rata de neperforman\u021b\u0103 pe segmentul ipotecar este mult mai redus\u0103, iar b\u0103ncile au procedat \u00een principal \u00a0la restructurarea creditelor care au intrat \u00een incapacitate temporar\u0103 de plat\u0103, \u00eenainte de a demara procedurile de executare silit\u0103. V\u00e2nz\u0103rile de credite garantate cu ipoteci imobiliare acordate persoanelor fizice se ridicau la aproximativ 18 milioane de euro \u00een 2012, rata medie de recuperare fiind de 45,26%. Valoarea v\u00e2nz\u0103rilor de credite garantate cu ipoteci este destul de redus\u0103, dac\u0103 analiz\u0103m volumul creditului ipotecar \u0219i a creditului de consum garantat cu ipoteci care totalizeaz\u0103 14,6 miliarde euro.<\/p><p style=\"text-align: justify;\">Creditele pentru locuin\u021be ocup\u0103 o pondere de aproximativ 17% \u00een totalul creditului neguvernamental aflat \u00een sold. Volumul creditelor pentru locuin\u021be se ridic\u0103 la 8,2 miliarde euro, la finele lunii martie 2014, acestea fiind acordate preponderent \u00een valut\u0103, de\u0219i aceast\u0103 tendin\u021b\u0103 s-a schimbat \u00een ultima perioad\u0103 pe fondul reducerii ratei de dob\u00e2nda la lei.<\/p><p style=\"text-align: justify;\">Pe segmentul popula\u021biei, ponderea datoriilor financiare \u00een valut\u0103 se situa la 67% \u00een iulie 2013, dar se observ\u0103 o schimbare de strategie a b\u0103ncilor \u00een materie de creditare pe monede astfel c\u0103 fluxul de credite noi acordate \u00een valut\u0103 este \u00een sc\u0103dere. La baza schimb\u0103rilor de strategii stau\u00a0 recomand\u0103rile Comitetului European de Risc Sistemic (CERS) care s-au aplicat \u0219i \u00een Rom\u00e2nia prin m\u0103suri pentru gestionarea adecvat\u0103 a riscurilor pe zona credit\u0103rii \u00een valut\u0103.<\/p><p style=\"text-align: justify;\">Directiva men\u021bioneaz\u0103 c\u0103 statele membre nu ar trebui s\u0103 \u00eempiedice p\u0103r\u021bile la un contract de credit s\u0103 convin\u0103 \u00een mod expres c\u0103 transferul garan\u021biei c\u0103tre creditor este suficient pentru a rambursa creditul. Aceast\u0103 posibilitate nu trebuie \u00eens\u0103 s\u0103 fie transformat\u0103 \u00eentr-o obliga\u021bie de a permite predarea cheilor \u00een toate cazurile pentru stingerea datoriei.<\/p><p style=\"text-align: justify;\">Comunitatea bancar\u0103 mizeaz\u0103 pe men\u021binerea echit\u0103\u021bii prevederilor legislative prin care se va transpune aceast\u0103 directiv\u0103 pentru a nu transforma o aplicare excesiv\u0103 \u00eentr-un risc pentru stabilitatea sistemului bancar.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f73cd3f elementor-widget elementor-widget-button\" data-id=\"f73cd3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/wp-content\/uploads\/PF_mai_2014.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<h3>UE va avea o pia\u021b\u0103 integrat\u0103 a creditului ipotecar din 2016<\/h3>\n<p>Sergiu Oprescu &#8211; Pre\u015fedinte executiv Alpha Bank, Pre\u0219edintele Comisiei de Credit Ipotecar Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor &#8211; <em>Pia\u021ba Financiar\u0103, mai 2014<\/em><\/p>","protected":false},"author":3,"featured_media":2646386,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3403","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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