{"id":6747,"date":"2010-09-22T13:34:49","date_gmt":"2010-09-22T10:34:49","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=6747_db\/"},"modified":"2010-09-22T13:34:49","modified_gmt":"2010-09-22T10:34:49","slug":"cum-sa-negociezi-cu-banca-cand-nu-ti-mai-poti-plati-ratele","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/cum-sa-negociezi-cu-banca-cand-nu-ti-mai-poti-plati-ratele_db\/","title":{"rendered":"Cum s\u0103 negociezi cu banca c\u00e2nd nu-\u0163i mai po\u0163i pl\u0103ti ratele"},"content":{"rendered":"

Mai \u00eent\u00e2i de toate, debitorul care se afl\u0103 \u00een dificultate financiar\u0103 trebuie s\u0103 contacteze din timp reprezentan\u0163ii institu\u0163iei financiare. <\/strong><\/p>\n

Dac\u0103 ai contractat un credit ipotecar \u015fi plata ratelor lunare este tot mai dificil\u0103, asta nu \u00eenseamn\u0103 c\u0103 vei ajunge neap\u0103rat la executare silit\u0103<\/a>. \u00cen eventualitatea unor astfel de situa\u0163ii, Ministerul Finan\u0163elor Publice a lansat, \u00een colaborare cu Banca Na\u0163ional\u0103 Rom\u00e2n\u0103 (BNR) \u015fi Autoritatea Na\u0163ional\u0103 pentru Protec\u0163ia Consumatorilor (ANPC), un ghid pentru restructurarea extrajudiciar\u0103 a \u00eemprumuturilor cu garan\u0163ii ipotecare. \u201eEste \u00een interesul \u00eemprumut\u0103torului \u015fi \u00eemprumutatului s\u0103 ac\u0163ioneze \u00een mod rezonabil \u015fi cu onestitate pentru a g\u0103si o solu\u0163ie pentru achitarea sumelor de plat\u0103 restante f\u0103r\u0103 a recurge la ini\u0163ierea unor proceduri judiciare. Procedurile de restructurare ajut\u0103 la identificarea solu\u0163iilor pentru un \u00eemprumutat aflat \u00een dificultate \u00een ceea ce prive\u015fte \u00eendeplinirea obliga\u0163iilor de rambursare a unui \u00eemprumut cu garan\u0163ie ipotecar\u0103 pentru evitarea, pe c\u00e2t posibil, a declan\u015f\u0103rii procedurii de executare silit\u0103<\/a>\u201d, se arat\u0103 \u00een documentul citat.<\/p>\n

\"\"<\/a>Restructurarea, o concesie, nu un drept<\/strong>
\n\u00cen acest sens, ghidul elaborat de cele trei institu\u0163ii stabile\u015fte principiile pe care ar trebui s\u0103 le urmeze at\u00e2t creditorii, c\u00e2t \u015fi debitorii afla\u0163i \u00een dificultate financiar\u0103. Primul dintre acestea se refer\u0103 la contactarea creditorului \u00een cel mai scurt timp cu privire la interven\u0163ia unei situa\u0163ii de dificultate financiar\u0103. Astfel, cele dou\u0103 p\u0103r\u0163i pot discuta \u015fi g\u0103si solu\u0163iile potrivite la problemele \u00eent\u00e2mpinate, pentru a servi interesului comun al acestora. \u00cen al doilea r\u00e2nd, reprezentan\u0163ii b\u0103ncii ar trebui s\u0103 explice \u00een mod clar \u00eemprumutatului situa\u0163ia \u00een care se afl\u0103, potrivit obliga\u0163iilor ce-i revin \u00een baza contractului de credit. Consumatorul trebuie s\u0103 \u015ftie exact care este valoarea sumelor restante, num\u0103rul de zile de \u00eent\u00e2rziere, suma r\u0103mas\u0103 de plat\u0103 din \u00eemprumutul cu garan\u0163ie ipotecar\u0103 \u015fi dac\u0103 va avea de achitat dob\u00e2nzi sau penalit\u0103\u0163i pentru \u00eent\u00e2rziere. Un al treilea principiu ce trebuie avut \u00een vedere de c\u0103tre debitori st\u0103 \u00een faptul c\u0103 restructur\u0103rile \u00eemprumuturilor cu garan\u0163ii ipotecare sunt o concesie, un acord al voin\u0163elor celor dou\u0103 p\u0103r\u0163i, \u015fi nu un drept. Ca urmare, desf\u0103\u015furarea negocierilor presupune bun\u0103voin\u0163\u0103 at\u00e2t din partea creditorului, c\u00e2t \u015fi a debitorului. Ace\u015ftia ar trebui s\u0103 urm\u0103reasc\u0103 s\u0103 comunice \u00een mod c\u00e2t se poate de clar, f\u0103r\u0103 a se induce \u00een eroare unul pe altul.<\/p>\n

Solu\u0163ia convenabil\u0103 pentru ambele p\u0103r\u0163i<\/strong>
\nUn alt principiu const\u0103 \u00een faptul c\u0103 debitorul ar trebui s\u0103 pun\u0103 la dispozi\u0163ia b\u0103ncii, \u00een timp util, toate informa\u0163iile de care aceasta are nevoie pentru evaluarea corect\u0103 a situa\u0163iei sale financiare. Apoi, cele dou\u0103 p\u0103r\u0163i vor discuta, \u00eenainte de luarea oric\u0103ror m\u0103suri de executare silit\u0103, toate solu\u0163iile pentru restructurarea creditului. Potrivit documentului citat, banca ar trebui s\u0103 r\u0103spund\u0103 cu deschidere la solu\u0163iile propuse de c\u0103tre \u00eemprumutat \u015fi s\u0103-i acorde acestuia un timp suficient de g\u00e2ndire legat de propunerile de restructurare a creditului. Apoi, solu\u0163ia convenit\u0103 trebuie s\u0103 aib\u0103 la baz\u0103 un grafic de rambursare realizabil. De asemenea, institu\u0163ia financiar\u0103 nu va ini\u0163ia proceduri judiciare at\u00e2t timp c\u00e2t debitorul \u00ee\u015fi respect\u0103 obliga\u0163iile nou-stabilite. Nu \u00een ultimul r\u00e2nd, banca va asigura confiden\u0163ialitatea informa\u0163iilor primite de la \u00eemprumutat.<\/p>\n

Solu\u0163iile de restructurare extrajudiciar\u0103 a \u00eemprumuturilor cu garan\u0163ie ipotecar\u0103 pot fi: modificarea scaden\u0163ei \u015fi\/sau sumei de plat\u0103 pentru una sau mai multe rate de \u00eemprumut \u00een sold, f\u0103r\u0103 a dep\u0103\u015fi \u00eens\u0103 durata ini\u0163ial\u0103 de acordare; capitalizarea dob\u00e2nzii sau a restan\u0163elor, solu\u0163ie ce implic\u0103, de regul\u0103, o prelungire a scaden\u0163ei ini\u0163iale a \u00eemprumutului; refinan\u0163area creditului<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Mai \u00eent\u00e2i de toate, debitorul care se afl\u0103 \u00een dificultate financiar\u0103 trebuie s\u0103 contacteze din timp reprezentan\u0163ii institu\u0163iei financiare. Dac\u0103 ai contractat un credit ipotecar \u015fi plata ratelor lunare este tot mai dificil\u0103, asta nu \u00eenseamn\u0103 c\u0103 vei ajunge neap\u0103rat la executare silit\u0103. \u00cen eventualitatea unor astfel de situa\u0163ii, Ministerul Finan\u0163elor Publice a lansat, \u00een […]<\/p>\n","protected":false},"author":829,"featured_media":6748,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[277,440,439],"content_author":[],"class_list":{"0":"post-6747","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"category-stiri","9":"tag-credit-ipotecar","10":"tag-executare-silita","11":"tag-refinantare"},"yoast_head":"\nCum s\u0103 negociezi cu banca c\u00e2nd nu-\u0163i mai po\u0163i pl\u0103ti ratele - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Mai \u00eent\u00e2i de toate, debitorul care se afl\u0103 \u00een dificultate financiar\u0103 trebuie s\u0103 contacteze din timp reprezentan\u0163ii institu\u0163iei financiare. 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