{"id":28428,"date":"2014-02-04T19:35:47","date_gmt":"2014-02-04T17:35:47","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=28428"},"modified":"2014-02-04T19:35:47","modified_gmt":"2014-02-04T17:35:47","slug":"rate-la-credite-reduse-la-jumatate-sau-cum-vrea-statul-sa-pompeze-bani-in-economie","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/rate-la-credite-reduse-la-jumatate-sau-cum-vrea-statul-sa-pompeze-bani-in-economie_db\/","title":{"rendered":"Rate la credite reduse la jum\u0103tate sau cum vrea statul s\u0103 \u201epompeze\u201d bani \u00een economie"},"content":{"rendered":"<p><strong>Cei cu venituri cel mult egale cu salariul mediu net pe economie vor putea beneficia de o \u201escutire\u201d de doi ani \u00een fa\u021ba b\u0103ncilor.<\/strong><\/p>\n<p>\u00cen urma discu\u021biilor cu reprezentan\u021bii Comisiei Europene, B\u0103ncii Mondiale \u0219i Fondului Monetar Interna\u021bional, Executivul \u0219i-a anun\u021bat inten\u021bia de a demara un program de sprijin pentru rom\u00e2nii cu venituri mici care au probleme cu rambursarea creditelor.<\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/02\/credite-lei.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/02\/credite-lei.jpg\" alt=\"credite lei\" width=\"600\" height=\"400\" class=\"alignleft size-full wp-image-28429\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/02\/credite-lei.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/02\/credite-lei-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/02\/credite-lei-87x57.jpg 87w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/02\/credite-lei-65x43.jpg 65w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/02\/credite-lei-154x103.jpg 154w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>Astfel, statul ofer\u0103 acestora posibilitatea de a-\u0219i \u00eenjum\u0103t\u0103\u0163i ratele la b\u0103nci pe o perioad\u0103 de doi ani, cu o sum\u0103 de cel mult 500 de lei pe lun\u0103. \u201eEste o m\u0103sur\u0103 de sprijin a persoanelor fizice care au credite la b\u0103nci \u015fi vreau s\u0103 precizez principalele condi\u0163ii. \u00cen primul r\u00e2nd, se aplic\u0103 tuturor creditelor luate de persoanele fizice, fie c\u0103 e vorba de salaria\u0163i, fie c\u0103 e vorba de pensionari. Condi\u0163ia este ca acestea s\u0103 aib\u0103 un venit lunar mai mic sau cel mult egal cu salariul mediu net \u2013 1.610 lei, 16 milioane de lei vechi &#8211; \u015fi s\u0103 nu aib\u0103 restan\u0163e mai vechi de 90 de zile la creditele bancare\u201d, a explicat premierul Victor Ponta. <\/p>\n<p><strong>Ajutor pentru 900.000 de datornici <\/strong><br \/>\nPotrivit estim\u0103rilor oficiale, peste 900.000 de rom\u00e2ni vor putea beneficia de aceast\u0103 ini\u021biativ\u0103. M\u0103sura ar trebui s\u0103 aib\u0103 un efect pozitiv nu doar asupra categoriei de popula\u021bie vizate \u00een mod direct, ci \u0219i asupra \u00eentregii economii. \u201e\u00cen baza calculelor f\u0103cute de Ministerul de Finan\u0163e \u015fi Banca Na\u0163ional\u0103, asta presupune ca, numai \u00een anul 2014, o sum\u0103 de aproape 4 miliarde de lei noi, deci undeva sub un miliard de euro, s\u0103 fie disponibilizat\u0103 practic din partea b\u0103ncilor pentru persoanele fizice, care, sigur, mai departe, vor folosi ace\u015fti bani pentru alte necesit\u0103\u0163i \u015fi pentru o cre\u015ftere moderat\u0103, dar important\u0103, a consumului\u201d, a ad\u0103ugat Ponta. <\/p>\n<p><strong>Dup\u0103 2 ani, un minus de 200 de lei la impozitul pe venit<\/strong><br \/>\nDup\u0103 \u00eencheierea celor doi ani de diminuare a ratei, statul inten\u021bioneaz\u0103 s\u0103 acorde datornicilor la b\u0103nci un credit fiscal de 200 de lei (sub forma unei reduceri la impozitul pe venit), pentru aceea\u0219i perioad\u0103. \u201eClientul poate opta pentru a-\u015fi reduce p\u00e2n\u0103 la jum\u0103tate rata, ce pl\u0103te\u015fte el \u00een fiecare lun\u0103, timp de doi ani \u015fi statul \u00eei d\u0103, peste doi ani, credit fiscal de 200 de lei (&#8230;) pe lun\u0103 timp, de asemenea, p\u00e2n\u0103 la doi ani. Deci c\u00e2t\u0103 vreme a func\u0163ionat facilitatea de reducere a ratei, at\u00e2ta vreme func\u0163ioneaz\u0103 \u015fi facilitatea de credit fiscal. Ce se stabile\u015fte? Banca nu poate s\u0103 creasc\u0103 dob\u00e2nda la care este acordat creditul, pe toat\u0103 durata creditului, se lunge\u015fte maturitatea creditului cu perioada \u00een care s-a beneficiat de aceast\u0103 reducere a ratei\u201d, a explicat ministrul delegat pentru buget, Liviu Voinea. \u00cen opinia sa, b\u0103ncile nu au de ce s\u0103 nu fie de acord cu propunerea Executivului, aceasta fiind o situa\u021bie de tip \u201ec\u00e2\u015ftig-c\u00e2\u015ftig\u201d \u00een condi\u0163iile de lichiditate din acest moment.<\/p>\n<blockquote><p>\u201ePractic, ar fi 4 miliarde de lei \u00een economia Rom\u00e2niei timp de doi ani, adic\u0103 o cre\u015ftere suplimentar\u0103 a Produsului Intern Brut cu 1% din PIB pe doi ani de zile. Aceasta se traduce, pe termen scurt, efect direct, \u00eencas\u0103ri din TVA mai mari de aproximativ 900 de milioane de lei \u015fi indirect, din cre\u015fterea PIB, din cre\u015fterea economic\u0103, iar\u0103\u015fi se \u00eentoarce la buget aproximativ o treime. Deci, lumea poate s\u0103 r\u0103m\u00e2n\u0103 cu banii \u00een buzunar, pe care s\u0103-i cheltuie pe necesit\u0103\u0163ile de consum \u015fi peste doi ani, c\u00e2nd va trebui s\u0103 pl\u0103teasc\u0103 \u015fi aceast\u0103 rat\u0103 care acum este am\u00e2nat\u0103, statul \u00eei d\u0103 un credit fiscal, care \u00eel va ajuta s\u0103 pl\u0103teasc\u0103 aceast\u0103 rat\u0103. Ce-l cost\u0103 pe stat acum, ast\u0103zi? Nimic. Ce-l cost\u0103 m\u00e2ine? Nimic. Ce-l cost\u0103 peste doi ani? P\u00e2n\u0103 la 0,1% din PIB, care \u00eens\u0103 se recupereaz\u0103 \u00een avans \u00een ace\u015fti doi ani, din TVA \u015fi din cre\u015fterea economic\u0103 suplimentar\u0103. Este o m\u0103sur\u0103, practic, neutr\u0103 bugetar, care permite o injec\u0163ie de bani \u00een economie, practic se mut\u0103 lichiditatea, care acum st\u0103 \u00een sectorul bancar, \u015fi \u015fti\u0163i c\u0103 creditarea nu func\u0163ioneaz\u0103 foarte bine, \u015fi se mut\u0103 direct la popula\u0163ie \u015fi \u00een economie.\u201d<\/p>\n<p><em><strong>Liviu Voinea, ministrul delegat pentru buget<\/strong><\/em><\/strong><\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Cei cu venituri cel mult egale cu salariul mediu net pe economie vor putea beneficia de o \u201escutire\u201d de doi ani \u00een fa\u021ba b\u0103ncilor. \u00cen urma discu\u021biilor cu reprezentan\u021bii Comisiei Europene, B\u0103ncii Mondiale \u0219i Fondului Monetar Interna\u021bional, Executivul \u0219i-a anun\u021bat inten\u021bia de a demara un program de sprijin pentru rom\u00e2nii cu venituri mici care au [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":28429,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[316],"content_author":[],"class_list":{"0":"post-28428","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"category-stiri","9":"tag-credite-3"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Rate la credite reduse la jum\u0103tate sau cum vrea statul s\u0103 \u201epompeze\u201d bani \u00een economie - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Cei cu venituri cel mult egale cu salariul mediu net pe economie vor putea beneficia de o \u201escutire\u201d de doi ani \u00een fa\u021ba b\u0103ncilor. \u00cen urma discu\u021biilor cu\" 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