{"id":6865,"date":"2010-09-28T12:08:22","date_gmt":"2010-09-28T09:08:22","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=6865_db\/"},"modified":"2010-09-28T12:08:22","modified_gmt":"2010-09-28T09:08:22","slug":"probleme-cu-plata-creditului-cine-negociaza-cu-banca","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/probleme-cu-plata-creditului-cine-negociaza-cu-banca_db\/","title":{"rendered":"Probleme cu plata creditului! Cine negociaz\u0103 cu banca?"},"content":{"rendered":"<p><strong>Dac\u0103 treci printr-o perioad\u0103 financiar\u0103 dificil\u0103, po\u0163i apela la un \u201enegociator\u201d specializat pentru a ajunge la o \u00een\u0163elegere cu banca creditoare. <\/strong><\/p>\n<p>Perioada de recesiune face ca dificult\u0103\u0163ile \u00eent\u00e2mpinate la achitarea ratelor lunare pentru creditele ipotecare \u015fi nu numai s\u0103 fie o problem\u0103 pentru tot mai mul\u0163i rom\u00e2ni. Pu\u0163ini \u015ftiu \u00eens\u0103 cum pot fi evitate at\u00e2t ajungerea \u00een instan\u0163\u0103, c\u00e2t \u015fi procedura de executare silit\u0103. <\/p>\n<p>Tudor Tatu, pre\u015fedintele Uniunii Mediatorilor Bancari (UMB), spune c\u0103, la modul teoretic, orice debitor care are probleme cu plata unui credit poate merge <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credit-ipotecar\/cum-sa-negociezi-cu-banca-cand-nu-ti-mai-poti-plati-ratele_db\/\">s\u0103 negocieze cu banca pe cont propriu<\/a>. Probleme apar \u00eens\u0103 c\u00e2nd, \u00een cadrul sucursalelor b\u0103ncilor nu exist\u0103 un reprezentant bine preg\u0103tit \u00een acest sens, care s\u0103 furnizeze informa\u0163iile necesare. De multe ori, birocra\u0163ia \u015fi lipsa de comunicare sunt cele care pun piedici clien\u0163ilor \u015fi duc la apari\u0163ia conflictelor acestora cu b\u0103ncile. <\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2010\/09\/negocierebanca.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2010\/09\/negocierebanca-300x196.jpg\" alt=\"\" width=\"300\" height=\"196\" class=\"alignleft size-medium wp-image-6866\" \/><\/a><strong>Mul\u0163i rom\u00e2ni ajung \u00een instan\u0163\u0103 din ne\u015ftiin\u0163\u0103<\/strong><br \/>\n\u00cen cazul apari\u0163iei unor probleme cu rambursarea unui credit, exist\u0103 \u015fi varianta apel\u0103rii la ajutor specializat. Acesta este chiar obiectul activit\u0103\u0163ii Uniunii Mediatorilor Bancari, ce a fost \u00eenfiin\u0163at\u0103 \u00een noiembrie 2009. Tot anul trecut a fost fondat\u0103 \u015fi Bursa Rom\u00e2n\u0103 de Crean\u0163e, ca o replic\u0103 la declan\u015farea crizei economice \u00een toamna lui 2008. La serviciile acesteia din urm\u0103 pot apela at\u00e2t creditorii (posesorii de crean\u0163e), c\u00e2t \u015fi debitorii, \u00een vederea administr\u0103rii \u015fi restructur\u0103rii creditelor restante.<\/p>\n<p>C\u00e2t de c\u0103utate sunt astfel de servicii de c\u0103tre <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/articole\/ce-sa-faci-cand-nu-ti-mai-poti-plati-rata-la-casa_db\/\">rom\u00e2nii afla\u0163i \u00een dificultate financiar\u0103<\/a>? \u201eCererea nu e foarte mare din partea consumatorilor pentru c\u0103 medierea este \u00eenc\u0103 la \u00eenceput \u015fi nu e foarte cunoscut\u0103. Omul este \u00eenv\u0103\u0163at s\u0103 urmeze calea clasic\u0103 a instan\u0163ei, crede c\u0103 judec\u0103torul este cel care \u00eemparte dreptate\u201d, subliniaz\u0103 Tudor Tatu. Acesta precizeaz\u0103 c\u0103 varianta procesului presupune \u00eens\u0103 ni\u015fte cheltuieli foarte mari \u015fi, pe deasupra, foarte mult timp pierdut. Spre compara\u0163ie, tariful perceput de c\u0103tre un mediator bancar se ridic\u0103 la 500-600 de lei, spune Tatu. <\/p>\n<p><strong>Administrarea debitelor, cel mai c\u0103utat serviciu<\/strong><br \/>\nPe de alt\u0103 parte, <a class=\"article-body-links\"href=\"http:\/\/comunitate.imobiliare.ro\/IonutButoi\/\">Ionu\u0163 Butoi<\/a>, director de dezvoltare \u00een cadrul Bursei Rom\u00e2ne de Crean\u0163e, spune c\u0103, p\u00e2n\u0103 \u00een vara acestui an, clien\u0163ii predilec\u0163i ai companiei erau posesorii de crean\u0163e (creditorii). \u201eDeteriorarea profund\u0103 a circuitelor financiare din economie a adus \u00eens\u0103 \u00een prim-plan debitorii, debitele restante cresc\u00e2nd exploziv\u201d, subliniaz\u0103 el. \u00cen acest context, administrarea debitelor a devenit cel mai c\u0103utat serviciu oferit de Burs\u0103, iar pentru restul acestui an \u015fi pe tot parcursul lui 2011 se contureaz\u0103 o men\u0163inere a acestei tendin\u0163e.<\/p>\n<p><strong>B\u0103ncile sunt deschise la negociere <\/strong><br \/>\nTudor Tatu spune c\u0103, de cele mai multe ori, b\u0103ncile sunt deschise la varianta negocierii \u00een vederea restructur\u0103rii creditelor. Reprezentantul UMB d\u0103 exemplul unui client care nu \u015fi-a pl\u0103tit rata la credit timp de 500 de zile. Dup\u0103 negociere, creditorul a fost de acord ca respectivul client s\u0103 pl\u0103teasc\u0103 o rat\u0103 dubl\u0103 p\u00e2n\u0103 ce va ajunge la zi cu rambursarea creditului, dup\u0103 care avea s\u0103 revin\u0103 la plata unei rate normale. \u00cen plus, reprezentan\u0163ii institu\u0163iei financiare au fost de acord ca datornicul s\u0103 nu mai pl\u0103teasc\u0103 penalit\u0103\u0163i.<br \/>\nTatu precizeaz\u0103 \u00eens\u0103 c\u0103 nu toate litigiile ajung s\u0103 fie rezolvate pe cale amiabil\u0103. Atunci c\u00e2nd nu exist\u0103 o cale de mijloc, se ajunge \u015fi la executare silit\u0103. Spre exemplu, serviciile UMB a apelat un client care avea de plat\u0103 o rat\u0103 de 1.100 de euro pe lun\u0103. \u00cen 2007, c\u00e2nd contractase \u00eemprumutul, de\u0163inea o firm\u0103 de conmstruc\u0163ii cu un venit mediu de 5.000 de euro pe lun\u0103, care \u00eentre timp s-a \u00eenchis. Cum nu mai avea un venit compensatoriu, banca a fost nevoit\u0103 s\u0103 treac\u0103 la executarea silit\u0103. <\/p>\n<p><strong>Francize pentru recuperatorii de crean\u0163e<\/strong><br \/>\n\u00cen plin\u0103 criz\u0103 economic\u0103, Bursa Rom\u00e2n\u0103 de Crean\u0163e a demarat \u00een acest an un amplu proces de expansiune. \u201eCampania de francizare a \u00eenceput \u00een anul 2010 p\u00e2n\u0103 \u00een prezent fiind deschise un num\u0103r de aproximativ 15 francize \u015fi reprezentan\u0163e zonale (sucursale)\u201d, subliniaz\u0103 Butoi. Potrivit acestuia, obiectivul pentru acest an este unul \u00eendr\u0103zne\u0163 \u015fi presupune atragerea a 4-5 manageri franciza\u0163i \u015fi a unui coordonator zonal pe fiecare jude\u0163. Taxa achitat\u0103 ini\u0163ial este de 3.000 de euro pentru un manager-francizat \u015fi de 5.000 de euro pentru un coordonator zonal.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dac\u0103 treci printr-o perioad\u0103 financiar\u0103 dificil\u0103, po\u0163i apela la un \u201enegociator\u201d specializat pentru a ajunge la o \u00een\u0163elegere cu banca creditoare. Perioada de recesiune face ca dificult\u0103\u0163ile \u00eent\u00e2mpinate la achitarea ratelor lunare pentru creditele ipotecare \u015fi nu numai s\u0103 fie o problem\u0103 pentru tot mai mul\u0163i rom\u00e2ni. Pu\u0163ini \u015ftiu \u00eens\u0103 cum pot fi evitate at\u00e2t [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":6866,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[321,316,457,456],"content_author":[],"class_list":{"0":"post-6865","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"tag-banci","9":"tag-credite-3","10":"tag-necogiere","11":"tag-restructurare-credite"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Probleme cu plata creditului! 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