{"id":58119,"date":"2020-03-26T18:39:03","date_gmt":"2020-03-26T16:39:03","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=58119"},"modified":"2020-03-26T18:39:03","modified_gmt":"2020-03-26T16:39:03","slug":"ai-credite-la-banci-poti-beneficia-la-cerere-de-o-amanare-a-ratelor-pentru-o-perioada-de-pana-la-noua-luni","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/ai-credite-la-banci-poti-beneficia-la-cerere-de-o-amanare-a-ratelor-pentru-o-perioada-de-pana-la-noua-luni_db\/","title":{"rendered":"Ai credite la b\u0103nci? Po\u021bi beneficia, la cerere, de o am\u00e2nare a ratelor pentru o perioad\u0103 de p\u00e2n\u0103 la nou\u0103 luni. Vezi EXCEP\u021aIA de la regul\u0103"},"content":{"rendered":"<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/03\/Ai-rate-la-banci-poti-beneficia-la-cerere-de-o-amanare-a-ratelor-pentru-o-perioada-de-pana-la-noua-luni.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/03\/Ai-rate-la-banci-poti-beneficia-la-cerere-de-o-amanare-a-ratelor-pentru-o-perioada-de-pana-la-noua-luni.jpg\" alt=\"\" width=\"800\" height=\"679\" class=\"aligncenter size-full wp-image-58120\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/03\/Ai-rate-la-banci-poti-beneficia-la-cerere-de-o-amanare-a-ratelor-pentru-o-perioada-de-pana-la-noua-luni.jpg 800w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/03\/Ai-rate-la-banci-poti-beneficia-la-cerere-de-o-amanare-a-ratelor-pentru-o-perioada-de-pana-la-noua-luni-300x255.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2020\/03\/Ai-rate-la-banci-poti-beneficia-la-cerere-de-o-amanare-a-ratelor-pentru-o-perioada-de-pana-la-noua-luni-768x652.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69e9eacf64af1\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69e9eacf64af1\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ai-credite-la-banci-poti-beneficia-la-cerere-de-o-amanare-a-ratelor-pentru-o-perioada-de-pana-la-noua-luni_db\/#Propunerea_Guvernului_a_fost_discutata_cu_%E2%80%93_si_agreata_de_%E2%80%93_oficiali_ai_Bancii_Nationale_si_ai_sistemului_bancar\" >Propunerea Guvernului a fost discutat\u0103 cu \u2013 \u0219i agreat\u0103 de \u2013 oficiali ai B\u0103ncii Na\u021bionale, \u0219i ai sistemului bancar.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ai-credite-la-banci-poti-beneficia-la-cerere-de-o-amanare-a-ratelor-pentru-o-perioada-de-pana-la-noua-luni_db\/#UPDATE\" >UPDATE:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ai-credite-la-banci-poti-beneficia-la-cerere-de-o-amanare-a-ratelor-pentru-o-perioada-de-pana-la-noua-luni_db\/#Unele_banci_si-au_anuntat_deja_intentia_de_a-si_pasui_clientii\" >Unele b\u0103nci \u0219i-au anun\u021bat deja inten\u021bia de a-\u0219i p\u0103sui clien\u021bii<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ai-credite-la-banci-poti-beneficia-la-cerere-de-o-amanare-a-ratelor-pentru-o-perioada-de-pana-la-noua-luni_db\/#Mai_mult_decat_o_solutie_pe_termen_scurt\" >Mai mult dec\u00e2t o solu\u021bie pe termen scurt<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Propunerea_Guvernului_a_fost_discutata_cu_%E2%80%93_si_agreata_de_%E2%80%93_oficiali_ai_Bancii_Nationale_si_ai_sistemului_bancar\"><\/span>Propunerea Guvernului a fost discutat\u0103 cu \u2013 \u0219i agreat\u0103 de \u2013 oficiali ai B\u0103ncii Na\u021bionale, \u0219i ai sistemului bancar.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen cadrul \u0219edin\u021bei de guvern de azi, 26 martie a.c., reprezentan\u021bii statului au discutat despre o ordonan\u021b\u0103 de urgen\u021b\u0103 prin care s\u0103 se permit\u0103 persoanelor cu \u00eemprumuturi la b\u0103nci s\u0103 beneficieze de o am\u00e2nare de p\u00e2n\u0103 la nou\u0103 luni \u00een ceea ce prive\u0219te plata ratelor, \u00een contextul epidemiei de COVID-19. \u201eSuntem preg\u0103ti\u021bi cu ordonan\u021ba. Vizeaz\u0103 persoane fizice, persoane juridice, PFA, \u00eentreprinderi individuale. Se suspend\u0103 ratele pentru o perioad\u0103 de p\u00e2n\u0103 la nou\u0103 luni\u201d, a declarat Ministrul Finan\u021belor, Florin C\u00ee\u021bu, citat de Mediafax. \u201eInsist s\u0103 fie expres prev\u0103zute contractele de leasing. Pentru c\u0103 \u0219tim c\u0103 unul dintre sectoarele afectate este sectorul transporturilor\u201d, a completat premierul Ludovic Orban. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"UPDATE\"><\/span>UPDATE:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> \u00centr-o transmisiune difuzat\u0103 \u00een direct pe postul de televiziune <strong><a class=\"article-body-links\"href=\"https:\/\/www.digi24.ro\/\">Digi24<\/a><\/strong>,  Ministrul Finan\u021belor a precizat c\u0103 ordonan\u021ba va permite o am\u00e2nare a pl\u0103\u021bii ratelor cu p\u00e2n\u0103 la nou\u0103 luni \u2013 f\u0103r\u0103, \u00eens\u0103, ca termenul aprobat s\u0103 dep\u0103\u0219easc\u0103 data de 31.12.2020. <strong>Acesta a subliniat c\u0103 facilitatea \u201ese aplic\u0103 persoanelor ale c\u0103ror venituri au fost afectate direct sau indirect (de epidemia de COVID-19, n.red.); \u00een acela\u0219i timp, se aplic\u0103 persoanelor care nu au restan\u021be la momentul \u00een care au f\u0103cut aceast\u0103 solicitare\u201d<\/strong>. <\/p>\n<p>Ministrul Finan\u021belor a explicat, de asemenea, c\u0103 \u201esolicitarea se poate face prin sistem electronic, letric (cerere transmis\u0103 \u00een scris, pe suport fizic, n.red.) \u0219i\/sau prin telefon\u201d. \u201eBine\u00een\u021beles c\u0103 nu va fi nevoie de semnarea de acte adi\u021bionale \u2013 pentru c\u0103 se face la cererea clientului, nu va fi nevoie de semnarea de acte adi\u021bionale pentru suspendarea pl\u0103\u021bii ratelor pe aceast\u0103 perioad\u0103\u201d, a completat acesta. <\/p>\n<p>\u00cen ceea ce prive\u0219te termenul de depunere a cererilor pentru am\u00e2narea ratelor, reprezentantul Executivului a declarat c\u0103 <strong>debitorii vor putea merge c\u0103tre b\u0103nci \u201ecel mai t\u00e2rziu, p\u00e2n\u0103 la \u00eencetarea st\u0103rii de urgen\u021b\u0103 pe teritoriul Rom\u00e2niei \u2013 deci vorbim de urm\u0103toarele dou\u0103 s\u0103pt\u0103m\u00e2ni, trei s\u0103pt\u0103m\u00e2ni, (\u00een care) trebuie s\u0103 se fac\u0103 solicitarea c\u0103tre institu\u021biile financiar-bancare\u201d<\/strong>. <\/p>\n<p>Acesta a precizat c\u0103 aplicarea ordonan\u021bei se va face dup\u0103 ce vor fi elaborate \u0219i publicate normele de implementare. \u201eEu cred c\u0103 s\u0103pt\u0103m\u00e2na viitoare o s\u0103 fim gata \u0219i cu aceste norme, am lucrat foarte mult la ele deja, \u00eempreun\u0103 cu sistemul bancar \u0219i cu Banca Na\u021bional\u0103 \u0219i sper s\u0103 fie operabile s\u0103pt\u0103m\u00e2na viitoare\u201d, a notat Florin C\u00ee\u021bu. <\/p>\n<blockquote><p>\u201e\u015etiu c\u0103 iar\u0103\u015fi era o \u00eentrebare \u00een spa\u0163iul public ce se \u00eent\u00e2mpl\u0103 cu dob\u00e2nzile la momentul \u00een care a trecut perioada de suspendare \u015fi dac\u0103 trebuie s\u0103 pl\u0103te\u015fti imediat rata m\u0103rit\u0103 cu suma dob\u00e2nzilor. Nu se \u00eent\u00e2mpl\u0103 acest lucru. La art. 4 am stipulat: dob\u00e2nda datorat\u0103 de debitor corespunz\u0103toare sumelor scadente a c\u0103ror plat\u0103 este suspendat\u0103 se capitalizeaz\u0103 la soldul creditului existent. Deci, se vor ad\u0103uga creditului, dar se ree\u015faloneaz\u0103 pe toat\u0103 durata creditului. Deci, efortul nu va fi foarte mare imediat pentru a pl\u0103ti aceast\u0103 sum\u0103. Excep\u0163ie sunt creditele ipotecare pentru care se pl\u0103te\u015fte e\u015falonat p\u00e2n\u0103 la maxim 5 ani. De ce aceast\u0103 excep\u0163ie? Aici, pentru c\u0103 statul rom\u00e2n a intervenit s\u0103 \u00eei ajute pe cei cu credite ipotecare \u015fi la art. 5 spunem foarte clar: statul rom\u00e2n, prin Ministerul Finan\u0163elor Publice, garanteaz\u0103 \u00een procent de 100% plata dob\u00e2nzii capitalizate aferente creditelor ipotecare. Deci, \u00een cazul creditelor ipotecare statul rom\u00e2n garanteaz\u0103 plata dob\u00e2nzii capitalizate 100%, dar trebuie ca aceast\u0103 dob\u00e2nd\u0103 s\u0103 fie pl\u0103tit\u0103 pe o perioad\u0103 de 5 ani de la momentul suspend\u0103rii\u201d <\/p>\n<p><strong>Florin C\u00ee\u021bu, Ministrul Finan\u021belor<\/strong><\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Unele_banci_si-au_anuntat_deja_intentia_de_a-si_pasui_clientii\"><\/span>Unele b\u0103nci \u0219i-au anun\u021bat deja inten\u021bia de a-\u0219i p\u0103sui clien\u021bii<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Aceast\u0103 \u00eenlesnire din partea statului vine \u00een contextul \u00een care subiectul am\u00e2n\u0103rii ratelor a fost abordat \u0219i de reprezentan\u021bi ai B\u0103ncii Na\u021bionale a Rom\u00e2niei (BNR), iar unele institu\u021bii financiare au luat deja m\u0103suri \u00een acest sens. BRD Groupe Soci\u00e9t\u00e9 G\u00e9n\u00e9rale, spre exemplu, a anun\u021bat, \u00eenc\u0103 de s\u0103pt\u0103m\u00e2na trecut\u0103, posibilitatea am\u00e2n\u0103rii platei ratelor, pentru o perioad\u0103 de trei luni, at\u00e2t pentru clien\u021bii persoane fizice, c\u00e2t \u0219i pentru IMM-uri. <\/p>\n<p>Cu privire la noua ordonan\u021b\u0103 de urgen\u021b\u0103, Ministrul Finan\u021belor a f\u0103cut, anterior, o serie de declara\u021bii pe pagina personal\u0103 de Facebook:<\/p>\n<blockquote><p>\u201eAm vorbit despre ratele rom\u00e2nilor \u0219i trebuie s\u0103 \u0219ti\u021bi c\u0103 solu\u021bia pe care o propune Ministerul Finan\u021belor \u0219i pe care am propus-o B\u0103ncii Na\u021bionale \u0219i sistemului bancar este una care ia \u00een calcul mai multe elemente. \u00cen primul r\u00e2nd, m-am g\u00e2ndit la perioada de timp, nu \u0219tim exact c\u00e2t o s\u0103 dureze aceast\u0103 perioad\u0103 \u0219i atunci am zis c\u0103 cei care doresc s\u0103 aib\u0103 ratele am\u00e2nate la banc\u0103 pot s-o fac\u0103 p\u00e2n\u0103 la nou\u0103 luni de zile. Este un termen pe care l-am discutat cu Banca Na\u021bional\u0103, pentru c\u0103 era nevoie de a \u00een\u021belege cum se va finan\u021ba sistemul, \u0219i cu sistemul bancar. Deci p\u00e2n\u0103 la nou\u0103 luni de zile este propunerea cu care am mers eu \u0219i a fost agreat\u0103 de Banca Na\u021bional\u0103 \u0219i de sistemul bancar. (&#8230;) \u00cen acela\u0219i timp, iar\u0103\u0219i am discutat cine s\u0103 aib\u0103 acces la aceast\u0103 am\u00e2nare \u0219i propunerea din partea mea a fost s\u0103 nu discrimin\u0103m, exact ca IMM-urile, s\u0103 aib\u0103 acces to\u021bi rom\u00e2nii care vor cere acest lucru.\u201d<\/p>\n<p><strong>Ministrul Finan\u021belor, Florin C\u00ee\u021bu<\/strong><\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Mai_mult_decat_o_solutie_pe_termen_scurt\"><\/span>Mai mult dec\u00e2t o solu\u021bie pe termen scurt<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Reprezentantul Executivului a explicat, \u00een plus, c\u0103 luarea unei decizii oficiale \u00een privin\u021ba posibilit\u0103\u021bii am\u00e2n\u0103rii ratelor a durat mai mult pentru c\u0103 s-a avut \u00een vedere o solu\u021bie pe termen mai lung. \u201eSolu\u021bia noastr\u0103 nu se opre\u0219te aici, nu va fi o solu\u021bie doar pentru aceast\u0103 perioad\u0103 \u0219i ne g\u00e2ndim cum s\u0103 sus\u021binem \u0219i dup\u0103 (&#8230;). \u0218i aici exist\u0103 o discu\u021bie cu b\u0103ncile ca s\u0103 nu existe o povar\u0103 imediat dup\u0103 aceast\u0103 perioad\u0103, s\u0103 li se cear\u0103 cet\u0103\u021benilor, companiilor, s\u0103 vin\u0103 imediat cu plata ratelor; nu, (&#8230;) aceast\u0103 povar\u0103 s\u0103 fie \u00eemp\u0103r\u021bit\u0103 pe termen lung\u201d, a declarat acesta. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Propunerea Guvernului a fost discutat\u0103 cu \u2013 \u0219i agreat\u0103 de \u2013 oficiali ai B\u0103ncii Na\u021bionale, \u0219i ai sistemului bancar. \u00cen cadrul \u0219edin\u021bei de guvern de azi, 26 martie a.c., reprezentan\u021bii statului au discutat despre o ordonan\u021b\u0103 de urgen\u021b\u0103 prin care s\u0103 se permit\u0103 persoanelor cu \u00eemprumuturi la b\u0103nci s\u0103 beneficieze de o am\u00e2nare de p\u00e2n\u0103 [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":58120,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[1906,1902,294,480,1410,1411,1146],"content_author":[],"class_list":["post-58119","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-stiri","tag-amanare","tag-covid-19","tag-credite-2","tag-cumparator","tag-newsletter","tag-principal","tag-rate-bancare"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Ai credite la b\u0103nci? Po\u021bi beneficia, la cerere, de o am\u00e2nare a ratelor pentru o perioad\u0103 de p\u00e2n\u0103 la nou\u0103 luni. Vezi EXCEP\u021aIA de la regul\u0103 - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Propunerea Guvernului a fost discutat\u0103 cu \u2013 \u0219i agreat\u0103 de \u2013 oficiali ai B\u0103ncii Na\u021bionale, \u0219i ai sistemului bancar. \u00cen cadrul \u0219edin\u021bei de guvern de azi, 26\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/ai-credite-la-banci-poti-beneficia-la-cerere-de-o-amanare-a-ratelor-pentru-o-perioada-de-pana-la-noua-luni_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ai credite la b\u0103nci? Po\u021bi beneficia, la cerere, de o am\u00e2nare a ratelor pentru o perioad\u0103 de p\u00e2n\u0103 la nou\u0103 luni. 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