{"id":3436,"date":"2014-06-19T10:43:31","date_gmt":"2014-06-19T07:43:31","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3436"},"modified":"2024-01-20T14:07:13","modified_gmt":"2024-01-20T12:07:13","slug":"stramutarea-garantiei","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/","title":{"rendered":"Stramutarea garantiei - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3436\" class=\"elementor elementor-3436\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46a5dab0 e-flex e-con-boxed e-con e-parent\" data-id=\"46a5dab0\" 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-73885a3a elementor-widget elementor-widget-text-editor\" data-id=\"73885a3a\" 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>Aplicabilitate practic\u0103 \u00een materia asigur\u0103rilor de bunuri ce garanteaz\u0103 un \u00eemprumut bancar<\/h3><p style=\"text-align: justify;\">Adoptarea Noului Cod Civil a marcat o restructurare a institu\u021biilor dreptului comun \u0219i o redefinire a unora dintre acestea, din perspectiva noilor realit\u0103\u021bi economice \u0219i sociale. \u00cen aceea\u0219i not\u0103 se \u00eenscrie \u0219i reglementarea special\u0103 a procedurii str\u0103mut\u0103rii garan\u021biei. \u00cen fapt, o dezvoltare a unor principii statuate de art. 1721 din vechiul Cod Civil \u00een materia ipotecilor.<\/p><p style=\"text-align: justify;\">Lipsa unor detalii procedurale concrete \u0219i limitarea aplicabilit\u0103\u021bii acestui mecanism doar la crean\u021bele garantate cu ipoteci, nu \u0219i la cele garantate cu gajuri, au f\u0103cut ca textul vechii reglement\u0103ri s\u0103 nu-\u0219i g\u0103seasc\u0103 aplicabilitate practic\u0103 \u00een materia \u00eemprumuturilor bancare. \u00cen schimb, pentru ca \u00eemprumut\u0103torii garanta\u021bi s\u0103-\u0219i protejeze drepturile inclusiv pentru eventualitatea materializ\u0103rii riscurilor asigurate prin poli\u021bele \u00eencheiate cu privire la bunurile aduse \u00een garan\u021bie, a fost larg utilizat\u0103 \u00een practic\u0103 institu\u021bia cesiunii drepturilor de crean\u021b\u0103 reglementat\u0103 de Titlul VI al Legii 99\/1999 privind unele m\u0103suri pentru accelerarea reformei economice. Inconvenientele principale ale acestei solu\u021bii, at\u00e2t pentru \u00eemprumut\u0103tor c\u00e2t \u0219i pentru \u00eemprumutat, constau \u00een formalit\u0103\u021bi \u0219i costuri suplimentare.<\/p><p style=\"text-align: justify;\">\u00cen contextul reformei legislative marcate de Noul Cod Civil, legiuitorul a alocat \u00een economia noii codific\u0103ri trei articole distincte pentru tratarea expres\u0103 a institu\u021biei str\u0103mut\u0103rii garan\u021biei. Nout\u0103\u021bile, fa\u021b\u0103 de vechea reglementare, constau \u00een extinderea conceptului de str\u0103mutare a garan\u021biei la toate tipurile de ipoteci \u2013 mobiliare \u0219i imobiliare \u2013 \u0219i \u00een prezentarea procedurii-cadru de urmat pentru a da eficien\u021b\u0103 practic\u0103 acestui concept.<\/p><p style=\"text-align: justify;\">Astfel, art. 2330 alin. 1 din Noul Cod Civil precizeaz\u0103 c\u0103 <i>\u201dDac\u0103 bunul grevat a pierit ori a fost deteriorat, indemniza\u0163ia de asigurare sau, dup\u0103 caz, suma datorat\u0103 cu titlu de desp\u0103gubire este afectat\u0103 la plata crean\u0163elor privilegiate sau ipotecare, dup\u0103 rangul lor.\u201d<\/i> Prin includerea acestor prevederi \u00een cuprinsul Cap. I \u201dDispozi\u021bii generale\u201d din Titlul XI \u201dPrivilegiile \u0219i garan\u021biile reale\u201d al Noului Cod Civil \u0219i ca efect al definirii ipotecii, \u00een cuprinsul art. 2343 din Noul Cod Civil, ca reprezent\u00e2nd dreptul real asupra bunurilor mobile sau imobile afectate execut\u0103rii unei obliga\u0163ii, aria de aplicabilitate a str\u0103mut\u0103rii vizeaz\u0103 acum toate tipurile de garan\u021bii reale.<\/p><p style=\"text-align: justify;\">\u00cen continuare, art. 2331 din Noul Cod Civil, \u00eempreun\u0103 cu normele sale de punere \u00een aplicare (art. 154 din Legea nr. 71\/2011) reglementeaz\u0103 obliga\u021biile ce revin asigur\u0103torului \u00een leg\u0103tur\u0103 cu plata indemniza\u021biei de asigurare sau a desp\u0103gubirii \u00een situa\u021bia \u00een care bunul adus \u00een garan\u021bie dispare sau este deteriorat \u0219i modalitatea \u00een care este protejat \u00eemprumut\u0103torul \u00een caz de producere a riscurilor asigurate.<\/p><p style=\"text-align: justify;\">Din cuprinsul textelor legale men\u021bionate mai sus se desprind o serie de consecin\u021be. Mai \u00eent\u00e2i, faptul c\u0103 prin mecanismul str\u0103mut\u0103rii garan\u021biei are loc o subroga\u021bie real\u0103 cu titlu particular, ce opereaz\u0103 \u00een virtutea legii. Mai exact, sub rezerva \u00eenscrierii \u00een registrele de publicitate a ipotecii asupra bunului adus \u00een garan\u021bie, acesta este \u00eenlocuit de drept \u0219i f\u0103r\u0103 vreo alt\u0103 formalitate din partea creditorului sau a debitorului, cu suma de bani datorat\u0103 de asigur\u0103tor \u00een cazul producerii riscului asigurat. Apoi, faptul c\u0103 pentru a asigura deplin\u0103 protec\u021bie creditorilor garanta\u021bi, asigur\u0103torul are obliga\u021bia legal\u0103 de a proceda la indisponibilizarea sumelor prin consemnarea acestora \u00eentr-un cont bancar deschis pe numele asiguratului dar la dispozi\u021bia creditorilor ale c\u0103ror garan\u021bii sunt \u00eenscrise \u00een registrele de publicitate. Mai apoi, faptul c\u0103 debitorul de\u0219i titular al contului bancar \u00een care a fost consemnat\u0103 indemniza\u021bia de asigurare, nu poate dispune de aceasta \u00eenainte de stingerea tuturor crean\u021belor garantate, altfel dec\u00e2t cu acordul tuturor creditorilor garanta\u021bi.<\/p><p style=\"text-align: justify;\">Prin urmare, din perspectiva reglement\u0103rii actuale apare ca nenecesar\u0103 \u00eencheierea separat\u0103 a unui contract de ipotec\u0103 asupra crean\u021belor decurg\u00e2nd din contractul de asigurare, pentru ca, aceia dintre creditori care sunt garanta\u021bi, s\u0103 poat\u0103 beneficia pe deplin de protec\u021bia conferit\u0103 de garan\u021bie inclusiv \u00een ipoteza producerii riscurilor asigurate. Cu toate acestea, lipsa unor norme speciale de punere \u00een aplicare a cadrului reglementat principial de Noul Cod Civil precum \u0219i a unor proceduri de comunicare \u00eentre asigur\u0103tori \u0219i registrele de publicitate a garan\u021biilor, face ca, \u00een practic\u0103, la aproape 3 ani de la intrarea \u00een vigoare a Noului Cod Civil, mecanismului juridic al str\u0103mut\u0103rii garan\u021biei s\u0103 fie \u00eenc\u0103 insuficient explorat.<\/p><p style=\"text-align: justify;\">Pentru a asigura utilizarea acestui concept \u00een activitatea curent\u0103, s-ar impune ca progresul f\u0103cut p\u00e2n\u0103 acum <i>de lege lata<\/i>, s\u0103 fie consolidat <i>de lege ferenda<\/i>, prin emiterea de c\u0103tre reglementatori a unor acte normative cu caracter special care s\u0103 clarifice o serie de detalii tehnice cum ar fi: modalitatea \u00een care asigur\u0103torii ob\u021bin informa\u021bii cu privire la existen\u021ba \u0219i identitatea creditorilor garanta\u021bi, procedura de consemnare \u0219i de utilizare a sumelor consemnate, modalit\u0103\u021bile de informare a creditorilor garanta\u021bi cu privire la consemnarea sumelor.<\/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-5d78287 elementor-widget elementor-widget-button\" data-id=\"5d78287\" 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_iunie2_2014.jpg\">\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>Aplicabilitate practic\u0103 \u00een materia asigur\u0103rilor de bunuri ce garanteaz\u0103 un \u00eemprumut bancar<\/h3>\n<p>Diana Ciubotariu, Vicepre\u0219edinte al Comisiei Juridice a ARB \/ Director al Direc\u021biei Juridic\u0103 &#038; Guvernan\u021b\u0103 Corporativ\u0103 Volksbank Rom\u00e2nia &#8211; <em>Pia\u021ba Financiar\u0103, iunie 2014 <\/em><\/p>","protected":false},"author":3,"featured_media":2645605,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3436","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 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Stramutarea garantiei - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Stramutarea garantiei - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Aplicabilitate practic\u0103 \u00een materia asigur\u0103rilor de bunuri ce garanteaz\u0103 un \u00eemprumut bancar Diana Ciubotariu, Vicepre\u0219edinte al Comisiei Juridice a ARB \/ Director al Direc\u021biei Juridic\u0103 &amp; Guvernan\u021b\u0103 Corporativ\u0103 Volksbank Rom\u00e2nia - Pia\u021ba Financiar\u0103, iunie 2014\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:published_time\" content=\"2014-06-19T07:43:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-20T12:07:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arb.ro\/wp-content\/uploads\/Diana-Ciubotariu.png\" \/>\n\t<meta property=\"og:image:width\" content=\"118\" \/>\n\t<meta property=\"og:image:height\" content=\"118\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Julius\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Julius\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/stramutarea-garantiei\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/stramutarea-garantiei\\\/\"},\"author\":{\"name\":\"Julius\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/dee91fbc10f29d0338e589f6bc22010f\"},\"headline\":\"Stramutarea garantiei\",\"datePublished\":\"2014-06-19T07:43:31+00:00\",\"dateModified\":\"2024-01-20T12:07:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/stramutarea-garantiei\\\/\"},\"wordCount\":840,\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/stramutarea-garantiei\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/Diana-Ciubotariu.png\",\"articleSection\":[\"Apari\u021bii media\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/stramutarea-garantiei\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/stramutarea-garantiei\\\/\",\"name\":\"Stramutarea garantiei - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/stramutarea-garantiei\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/stramutarea-garantiei\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/Diana-Ciubotariu.png\",\"datePublished\":\"2014-06-19T07:43:31+00:00\",\"dateModified\":\"2024-01-20T12:07:13+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/stramutarea-garantiei\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.arb.ro\\\/en\\\/stramutarea-garantiei\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/stramutarea-garantiei\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/Diana-Ciubotariu.png\",\"contentUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/Diana-Ciubotariu.png\",\"width\":118,\"height\":118},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/stramutarea-garantiei\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.arb.ro\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Stramutarea garantiei\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/\",\"name\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"description\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.arb.ro\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\",\"name\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_35_TRANSPARENCY.png\",\"contentUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_35_TRANSPARENCY.png\",\"width\":1820,\"height\":1987,\"caption\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/dee91fbc10f29d0338e589f6bc22010f\",\"name\":\"Julius\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a150566e73bdc5dcfc20cd2566475302134db2bf8a825e694a349ea596e418c9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a150566e73bdc5dcfc20cd2566475302134db2bf8a825e694a349ea596e418c9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a150566e73bdc5dcfc20cd2566475302134db2bf8a825e694a349ea596e418c9?s=96&d=mm&r=g\",\"caption\":\"Julius\"},\"url\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/author\\\/iulianr\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Stramutarea garantiei - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/","og_locale":"en_US","og_type":"article","og_title":"Stramutarea garantiei - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","og_description":"Aplicabilitate practic\u0103 \u00een materia asigur\u0103rilor de bunuri ce garanteaz\u0103 un \u00eemprumut bancar Diana Ciubotariu, Vicepre\u0219edinte al Comisiei Juridice a ARB \/ Director al Direc\u021biei Juridic\u0103 & Guvernan\u021b\u0103 Corporativ\u0103 Volksbank Rom\u00e2nia - Pia\u021ba Financiar\u0103, iunie 2014","og_url":"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/","og_site_name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","article_published_time":"2014-06-19T07:43:31+00:00","article_modified_time":"2024-01-20T12:07:13+00:00","og_image":[{"width":118,"height":118,"url":"https:\/\/www.arb.ro\/wp-content\/uploads\/Diana-Ciubotariu.png","type":"image\/png"}],"author":"Julius","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Julius","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/#article","isPartOf":{"@id":"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/"},"author":{"name":"Julius","@id":"https:\/\/www.arb.ro\/#\/schema\/person\/dee91fbc10f29d0338e589f6bc22010f"},"headline":"Stramutarea garantiei","datePublished":"2014-06-19T07:43:31+00:00","dateModified":"2024-01-20T12:07:13+00:00","mainEntityOfPage":{"@id":"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/"},"wordCount":840,"publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"image":{"@id":"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/Diana-Ciubotariu.png","articleSection":["Apari\u021bii media"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/","url":"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/","name":"Stramutarea garantiei - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","isPartOf":{"@id":"https:\/\/www.arb.ro\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/#primaryimage"},"image":{"@id":"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/Diana-Ciubotariu.png","datePublished":"2014-06-19T07:43:31+00:00","dateModified":"2024-01-20T12:07:13+00:00","breadcrumb":{"@id":"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/#primaryimage","url":"https:\/\/www.arb.ro\/wp-content\/uploads\/Diana-Ciubotariu.png","contentUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/Diana-Ciubotariu.png","width":118,"height":118},{"@type":"BreadcrumbList","@id":"https:\/\/www.arb.ro\/en\/stramutarea-garantiei\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.arb.ro\/"},{"@type":"ListItem","position":2,"name":"Stramutarea garantiei"}]},{"@type":"WebSite","@id":"https:\/\/www.arb.ro\/#website","url":"https:\/\/www.arb.ro\/","name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","description":"Romanian Association of Banks","publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.arb.ro\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.arb.ro\/#organization","name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","url":"https:\/\/www.arb.ro\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arb.ro\/#\/schema\/logo\/image\/","url":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_35_TRANSPARENCY.png","contentUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_35_TRANSPARENCY.png","width":1820,"height":1987,"caption":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)"},"image":{"@id":"https:\/\/www.arb.ro\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.arb.ro\/#\/schema\/person\/dee91fbc10f29d0338e589f6bc22010f","name":"Julius","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/a150566e73bdc5dcfc20cd2566475302134db2bf8a825e694a349ea596e418c9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a150566e73bdc5dcfc20cd2566475302134db2bf8a825e694a349ea596e418c9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a150566e73bdc5dcfc20cd2566475302134db2bf8a825e694a349ea596e418c9?s=96&d=mm&r=g","caption":"Julius"},"url":"https:\/\/www.arb.ro\/en\/author\/iulianr\/"}]}},"_links":{"self":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts\/3436","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/comments?post=3436"}],"version-history":[{"count":0,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts\/3436\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media\/2645605"}],"wp:attachment":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media?parent=3436"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/categories?post=3436"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/tags?post=3436"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}