{"id":15283,"date":"2011-10-06T12:47:53","date_gmt":"2011-10-06T09:47:53","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=15283_db\/"},"modified":"2011-10-06T12:47:53","modified_gmt":"2011-10-06T09:47:53","slug":"de-ce-nu-vor-bancile-ca-restrictiile-bnr-sa-se-aplice-si-creditelor-ipotecare","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-nu-vor-bancile-ca-restrictiile-bnr-sa-se-aplice-si-creditelor-ipotecare_db\/","title":{"rendered":"De ce nu vor b\u0103ncile ca restric\u0163iile BNR s\u0103 se aplice \u015fi creditelor ipotecare"},"content":{"rendered":"

Oficialii B\u0103ncii Na\u0163ionale nu dau niciun termen clar pentru intrarea \u00een vigoare a noilor condi\u0163ii de creditare.<\/strong><\/p>\n

\u00cen momentul de fa\u0163\u0103, Banca Na\u0163ional\u0103 a Rom\u00e2niei se afl\u0103 \u00eenc\u0103 \u00een discu\u0163ii pe marginea noului regulament de creditare<\/a>, pornit din dorin\u0163a de a reduce riscul popula\u0163iei de a nu-\u015fi mai putea rambursa \u00eemprumuturile. Noile norme prev\u0103d, printre altele, at\u00e2t cre\u015fterea avansului solicitat de c\u0103tre b\u0103nci, c\u00e2t \u015fi reducerea gradului de \u00eendatorare acceptat de c\u0103tre acestea. <\/p>\n

Radu Ghe\u0163ea, pre\u015fedintele Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor (ARB), precum \u015fi pre\u015fedintele CEC Bank, este \u00eens\u0103 de p\u0103rere c\u0103 aplicarea acestor m\u0103suri restrictive inclusiv \u00eemprumuturilor pentru achizi\u0163ia sau construc\u0163ia de locuin\u0163e poate avea un efect negativ asupra pie\u0163ei creditelor<\/a> ipotecare \u015fi asupra economiei \u00een general. \u201eDac\u0103 bloc\u0103m \u015fi segmentul creditelor ipotecare, nu va fi bine nici pentru economie\u201d, a declarat Ghe\u0163ea pentru www.imobiliare.ro<\/a>. <\/p>\n

\"\"<\/a>BNR nu spune \u00eenc\u0103 nici \u201eda\u201d, nici \u201enu\u201d<\/strong>
\nAcesta este \u015fi motivul pentru care ARB a propus reprezentan\u0163ilor BNR ca \u00eemprumuturile ipotecare s\u0103 nu fie afectate de noile m\u0103suri de pruden\u0163ialitate. \u201eDorin\u0163a noastr\u0103 este s\u0103 nu avem acelea\u015fi reguli stricte \u015fi \u00een ceea ce prive\u015fte creditele ipotecare, pentru c\u0103, \u00een acest caz, omul locuie\u015fte \u00een casa respectiv\u0103 \u015fi are o alt\u0103 atitudine fa\u0163\u0103 de banc\u0103 \u015fi fa\u0163\u0103 de familia sa. Asta este ceea ce ne-am dorit noi \u015fi am senza\u0163ia c\u0103 BNR va accepta, pentru c\u0103 s-a ar\u0103tat interesat\u0103 de aceast\u0103 solu\u0163ie\u201d, subliniat Radu Ghe\u0163ea. Reprezentantul ARB a precizat c\u0103, \u00een momentul de fa\u0163\u0103, nu segmentul ipotecarelor e cel pe care se \u00eenregistreaz\u0103 cele mai mari restan\u0163e, ci acela al creditelor de consum.<\/p>\n

C\u00e2t despre pozi\u0163ia oficialilor BNR \u00een ceea ce prive\u015fte proprunerea f\u0103cut\u0103 de ARB, aceasta este deocamdat\u0103 \u0163inut\u0103 sub t\u0103cere. Mugur \u015ete\u0163, purt\u0103torul de cuv\u00e2nt al B\u0103ncii Na\u0163ionale, a refuzat s\u0103 comenteze \u00een orice fel pe marginea regulamentului aflat \u00een lucru pe masa institu\u0163iei pe care o reprezint\u0103. Acesta nu a dat detalii nici despre data intr\u0103rii \u00een vigoare a noilor reguli \u015fi nici despre aplicabilitatea acestora pe segmentul ipotecarelor.<\/p>\n

Consecin\u0163a noilor norme: putere de cump\u0103rare redus\u0103 <\/strong>
\n\u00cen cadrul regulamentului de creditare aflat \u00eenc\u0103 \u00een faza de proiect pe masa BNR, exist\u0103 dou\u0103 modific\u0103ri fundamentale ce ar afecta segmentul creditelor ipotecare. Cea dint\u00e2i prevede ca avansul solicitat de c\u0103tre b\u0103nci s\u0103 fie diferen\u0163iat \u00een func\u0163ie de valuta \u00een care se va contracta creditul. Astfel, 15% ar fi avansul minim pentru creditele contractate \u00een lei, 30% ar fi cel pentru \u00eemprumuturile \u00een euro, \u00een vreme ce, pentru alte valute, b\u0103ncile ar trebui s\u0103 solicite un avans de 40%. Singurele \u00eemprumuturi ce nu ar fi afectate de aceast\u0103 prevedere ar fi cele prin intermediul programului Prima Cas\u0103, \u00een cazul c\u0103rora avansul solicitat ar r\u0103m\u00e2ne \u00een continuare la 5%. Cea de-a doua modificare prevede ca, pentru \u00eemprumuturile \u00een euro sau \u00een alte valute, b\u0103ncile s\u0103 accepte un grad de \u00eendatorare cu aproximativ 30-35% mai mic fa\u0163\u0103 de creditele \u00een lei. Aceste dou\u0103 prevederi ar duce la sc\u0103derea semnificativ\u0103 a puterii de cump\u0103rare a rom\u00e2nilor eligibili pentru credite ipotecare, precum \u015fi la eliminarea altora din cursa pentru accesarea unui credit pentru achizi\u0163ia sau construc\u0163ia unei locuin\u0163e. <\/p>\n

Cite\u015fte aici<\/a> mai multe despre ce fel de locuin\u0163\u0103 \u0163i-ai putea permite dac\u0103 normele BNR se vor aplica \u015fi pe segmentul creditelor ipotecare.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Oficialii B\u0103ncii Na\u0163ionale nu dau niciun termen clar pentru intrarea \u00een vigoare a noilor condi\u0163ii de creditare. \u00cen momentul de fa\u0163\u0103, Banca Na\u0163ional\u0103 a Rom\u00e2niei se afl\u0103 \u00eenc\u0103 \u00een discu\u0163ii pe marginea noului regulament de creditare, pornit din dorin\u0163a de a reduce riscul popula\u0163iei de a nu-\u015fi mai putea rambursa \u00eemprumuturile. Noile norme prev\u0103d, printre […]<\/p>\n","protected":false},"author":829,"featured_media":15284,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[316],"content_author":[],"class_list":{"0":"post-15283","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"tag-credite-3"},"yoast_head":"\nDe ce nu vor b\u0103ncile ca restric\u0163iile BNR s\u0103 se aplice \u015fi creditelor ipotecare - Credite - ImoExpert<\/title>\n<meta name=\"description\" content=\"Oficialii B\u0103ncii Na\u0163ionale nu dau niciun termen clar pentru intrarea \u00een vigoare a noilor condi\u0163ii de creditare. \u00cen momentul de fa\u0163\u0103, Banca Na\u0163ional\u0103 a\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" 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