{"id":3674805,"date":"2023-06-09T16:30:18","date_gmt":"2023-06-09T13:30:18","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3674805"},"modified":"2024-01-20T12:05:31","modified_gmt":"2024-01-20T10:05:31","slug":"sme-talk-gabriela-folcut-director-executiv-arb-despre-ordinele-emise-recent-de-anpc-referitor-la-calculul-ratelor-s-a-produs-o-eroare-destul-de-grava-nu-e-logica-metoda-pe-care-anpc-a-avansat-o-c","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/sme-talk-gabriela-folcut-director-executiv-arb-despre-ordinele-emise-recent-de-anpc-referitor-la-calculul-ratelor-s-a-produs-o-eroare-destul-de-grava-nu-e-logica-metoda-pe-care-anpc-a-avansat-o-c\/","title":{"rendered":"Gabriela Folcu\u021b, director executiv ARB, despre ordinele emise recent de ANPC referitor la calculul ratelor: S-a produs o eroare destul de grav\u0103. Nu e logic\u0103 metoda pe care ANPC a avansat-o. Cred c\u0103 instan\u021bele vor tran\u0219a foarte rapid subiectul - only in romanian"},"content":{"rendered":"
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Gabriela Folcu\u021b, director executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB), spune, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, c\u0103 m\u0103sura propus\u0103 \u00een ordinele emise recent b\u0103ncilor de c\u0103tre Autoritatea Na\u021bional\u0103 pentru Protec\u021bia Consumatorilor (ANPC) este ilogic\u0103 \u0219i imposibil de pus \u00een practic\u0103. Reamintim c\u0103, recent, Autoritatea Na\u021bional\u0103 pentru Protec\u021bia Consumatorilor a ordonat b\u0103ncilor s\u0103 emit\u0103 noi grafice de rambursare pentru creditele \u00een curs, astfel \u00eenc\u00e2t principalul datorat s\u0103 fie rambursat \u00een cote egale cu dob\u00e2nda. Mai mult, ANPC cere b\u0103ncilor s\u0103 ia m\u0103suri \u201coptime\u201d pentru reducerea gradului de \u00eendatorare a consumatorilor, \u00een cazul \u00een care acesta a dep\u0103\u0219it nivelul ini\u021bial. \u00centr-o conferin\u021b\u0103 de pres\u0103, plin\u0103 de acuza\u021bii la adresa b\u0103ncilor, conducerea ANPC a anun\u021bat c\u0103 au fost amendate alte 8 b\u0103nci, pe l\u00e2ng\u0103 cele 11 care au fost deja sanc\u021bionate.<\/strong><\/p>


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Reamintim c\u0103, recent, Autoritatea Na\u021bional\u0103 pentru Protec\u021bia Consumatorilor a ordonat b\u0103ncilor s\u0103 emit\u0103 noi grafice de rambursare pentru creditele \u00een curs, astfel \u00eenc\u00e2t principalul datorat s\u0103 fie rambursat \u00een cote egale cu dob\u00e2nda.<\/p>

Mai mult, ANPC cere b\u0103ncilor s\u0103 ia m\u0103suri \u201coptime\u201d pentru reducerea gradului de \u00eendatorare a consumatorilor, \u00een cazul \u00een care acesta a dep\u0103\u0219it nivelul ini\u021bial. \u00centr-o conferin\u021b\u0103 de pres\u0103, plin\u0103 de acuza\u021bii la adresa b\u0103ncilor, conducerea ANPC a anun\u021bat c\u0103 au fost amendate alte 8 b\u0103nci, pe l\u00e2ng\u0103 cele 11 care au fost deja sanc\u021bionate.<\/p>

\u201cDin p\u0103cate, s-a produs o eroare destul de grav\u0103 \u00een comunicarea public\u0103 de c\u0103tre ANPC. Suntem \u00een momentul \u00een care numai instan\u021bele mai pot s\u0103 fac\u0103 dreptate. Este regretabil c\u0103 o institu\u021bie public\u0103 a ajuns s\u0103 lanseze \u00een spa\u021biul public o asemenea ipotez\u0103 fals\u0103, aceea c\u0103 b\u0103ncile au gre\u0219it\u201d, mai spune aceasta.<\/p>

Gabriela Folcu\u021b afirm\u0103 c\u0103 b\u0103ncile respect\u0103 legisla\u021bia actual\u0103, care provine din transpunerea a dou\u0103 directive europene. Este vorba despre directiva european\u0103 48\/2008 \u0219i directiva 17\/2014, care au fost transpuse prin OUG 50\/2010 pentru creditarea de consum \u0219i OUG 52\/2016 privind creditarea ipotecar\u0103.<\/p>

\u201cCadrul legal \u00een care activ\u0103m \u00een momentul de fa\u021b\u0103 este unitar pe teritoriul Rom\u00e2niei \u0219i pe teritoriul UE. Modalitatea de rambursare a creditelor din Rom\u00e2nia este similar\u0103 cu cea din UE\u201d, subliniaz\u0103 ea.<\/p>

\u201c\u00cen momentul de fa\u021b\u0103 avem, conform legilor din Rom\u00e2nia, dou\u0103 modalit\u0103\u021bi de rambursare a creditelor, cu rate egale sau anuit\u0103\u021bi \u0219i cu rate descresc\u0103toare. Aceste dou\u0103 modalit\u0103\u021bi sunt practicate de b\u0103nci. ANPC a studiat o formul\u0103 de rambursare, probabil c\u0103 cea pe rate egale, \u0219i a constatat c\u0103, \u00een prima parte, principalul este mai mic \u0219i dob\u00e2nda este mai mare.<\/p>

Dob\u00e2nda se calculeaz\u0103 la soldul creditului, astfel c\u0103 este normal ca la \u00eenceputul perioadei de creditare dob\u00e2nda s\u0103 fie mai mare pentru c\u0103 soldul este mai mare. Nu po\u021bi s\u0103 ai o dob\u00e2nd\u0103 mic\u0103 la un sold mare, la fel cum nu po\u021bi s\u0103 ai o dob\u00e2nd\u0103 mare la un sold mic. Este ilogic. Nu este logic\u0103 aceast\u0103 metod\u0103 pe care ANPC o avanseaz\u0103 ca \u0219i propunere la momentul acesta\u201d, mai explic\u0103 directorul executiv al ARB.<\/p>

Gabriela Folcu\u021b adaug\u0103 \u0219i c\u0103 metoda pe care o propune ANPC de a avea rate egale de dob\u00e2nd\u0103 \u0219i principal pe perioada creditului nu este posibil\u0103. \u201cDin punct de vedere legislativ nu este prev\u0103zut\u0103 \u00een legisla\u021bie \u0219i nu e posibil\u0103 din perspectiv\u0103 economic\u0103, matematic\u0103, logic\u0103 \u0219i mul\u021bi clien\u021bi nu ar avea posibilitatea s\u0103 acceseze un credit ipotecar av\u00e2nd \u00een vedere reglement\u0103rile cu privire la gradul de \u00eendatorare. Sunt ni\u0219te principii economice, juridice, matematice, logice, dar dac\u0103 am ignora toate aceste principii \u0219i am pune cu m\u00e2na principalul \u0219i dob\u00e2nda am ajunge la situa\u021bia \u00een care un credit ipotecar ar dura cam 60 de ani, peste perioada de via\u021b\u0103 a unui individ. \u0218i suma total\u0103 de plat\u0103 ar fi mai mare dec\u00e2t pe rate egale\u201d, precizeaz\u0103 aceasta.<\/p>

B\u0103ncile din Rom\u00e2nia au cerut deja \u00een instan\u021b\u0103 anularea proceselor verbale de contraven\u021bie primite de la Autoritatea Na\u021bional\u0103 pentru Protec\u021bia Consumatorilor \u0219i au cerut suspendarea efectelor ordinelor emise de pre\u0219edintele ANPC prin care ar fi obligate s\u0103 emit\u0103 noi grafice de rambursare pentru credite \u0219i s\u0103 ia m\u0103suri \u201coptime\u201d pentru reducerea gradului de \u00eendatorare \u00een cazul unor debitori.<\/p>

\u201cB\u0103ncile au demarat deja demersurile de contestare at\u00e2t a proceselor verbale, c\u00e2t \u0219i a ordinelor emise de c\u0103tre ANPC. Numai instan\u021ba este cea care decide dac\u0103 p\u00e2n\u0103 la judecarea pe fond alege s\u0103 suspende pentru a nu afecta creditarea.<\/p>

Nu \u0219tiu cum ar putea s\u0103 procedeze b\u0103ncile pentru c\u0103 varianta pe care a propus-o ANPC este inaplicabil\u0103. \u00cen continuare, b\u0103ncile n-au dec\u00e2t s\u0103 respecte legisla\u021bia a\u0219a cum au f\u0103cut-o \u0219i p\u00e2n\u0103 acum. Nu putem s\u0103 cre\u0103m o legisla\u021bie paralel\u0103.<\/p>

\u0218i cred c\u0103 instan\u021bele vor tran\u0219a foarte rapid acest subiect tocmai pentru a nu afecta creditarea pe zona consumatorilor. Cel mai mult ar fi afectat\u0103 creditarea ipotecar\u0103 pentru c\u0103 la consum nu sunt at\u00e2t de sesizabile diferen\u021bele \u00eentre metodele actuale\u201d, afirm\u0103 Gabriela Folcu\u021b.
Sursa: aici<\/a><\/p>

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Gabriela Folcu\u021b, director executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB), spune, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, c\u0103 m\u0103sura propus\u0103 \u00een ordinele emise recent b\u0103ncilor de c\u0103tre Autoritatea Na\u021bional\u0103 pentru Protec\u021bia Consumatorilor (ANPC) este ilogic\u0103 \u0219i imposibil de pus \u00een practic\u0103. Reamintim c\u0103, recent, Autoritatea Na\u021bional\u0103 pentru Protec\u021bia Consumatorilor a ordonat b\u0103ncilor […]<\/p>\n","protected":false},"author":5,"featured_media":3071288,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3674805","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nGabriela Folcu\u021b, director executiv ARB, despre ordinele emise recent de ANPC referitor la calculul ratelor: S-a produs o eroare destul de grav\u0103. Nu e logic\u0103 metoda pe care ANPC a avansat-o. 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