{"id":1298,"date":"2012-06-22T17:42:55","date_gmt":"2012-06-22T14:42:55","guid":{"rendered":"http:\/\/facias.org\/?p=1298"},"modified":"2022-09-12T15:31:14","modified_gmt":"2022-09-12T12:31:14","slug":"trebuie-sa-cautam-insistent-solutii-pentru-criza-de-rambursare-a-creditelor","status":"publish","type":"post","link":"https:\/\/facias.ro\/eng\/trebuie-sa-cautam-insistent-solutii-pentru-criza-de-rambursare-a-creditelor\/","title":{"rendered":"Trebuie sa cautam insistent solutii pentru criza de rambursare a creditelor"},"content":{"rendered":"<div style=\"text-align: justify;\">De la inceputul anului 2012, valoarea restantelor la creditele contractate de persoanele fizice continua sa creasca. Potrivit datelor Bancii Nationale Romane,\u00a0<strong> intarzierile populatiei la plata creditelor au atins un nou record (2,54 miliarde lei)<\/strong>.<\/div>\n<div style=\"text-align: justify;\">In aceste conditii, <strong>Fundatia pentru Apararea Cetatenilor Impotriva Abuzurilor Statului (FACIAS) considera necesara continuarea eforturilor demarate in sprijinul miilor de romani ajunsi in situatii limita din cauza datoriilor acumulate la creditele luate de la banci.<\/strong><\/div>\n<div style=\"text-align: justify;\">Avand in vedere gravitatea situatiei, FACIAS a demarat in ultimele luni o serie de consultari cu institutii financiar-bancare, dar si cu specialisti in recuperarea de credite in urma carora au fost identificate <strong>posibile solutii<\/strong> care sa vizeze acordarea unui regim special pentru romanii care nu si-au platit creditele din cauze obiective, in urma concedierilor colective sau a reducerii semnificative a salariilor bugetarilor.<\/div>\n<div style=\"text-align: justify;\">In plus fata <strong>esalonarea ratelor, acordarea unor termene de gratie sau eliminarea penalitatilor si a dobanzilor<\/strong>, o varianta care ar putea fi luata in calcul de catre specialisti consta in <strong>reducerea ratei dobanzii<\/strong>, cu atat mai mult cu cat Ordonanta nr. 50 din 2010 ofera premisele unei masuri de acest tip. Varianta este sustinuta si de faptul ca o mare parte dintre clientii indatorati in CHF platesc in prezent o dobanda mai ridicata decat cea stabilita initial la semnarea contractului de credit.<\/div>\n<div style=\"text-align: justify;\">De asemenea, daca ar fi adoptata, legea falimentului personal ar putea permite romanilor de buna credinta, care nu-si mai pot plati datoriile la banci, sa beneficieze de protectia tribunalului. In acest fel, bancile nu vor mai putea sa ii execute silit, iar datoriile vor putea fi reesalonate pe o perioada de cativa ani. Proiectul de lege, realizat dupa modelul legii falimentului personal din SUA, ar permite instantelor sa stabileasca daca o persoana se afla in insolventa scuzabila sau faliment fraudulos. Avand insa in vedere si contra-argumentele propuse la adresa unei astfel de legi, consideram oportuna o dezbatere publica asupra oportunitatii ei.<\/div>\n<div style=\"text-align: justify;\">O alta\u00a0 solutie posibila\u00a0este cea propusa de Radu Gratian Ghetea, presedintele Asociatiei Romane a Bancilor (ARB), prin care persoanele cu probleme la plata creditelor ar putea sa fie sterse mai repede din baza de date a rau-platnicilor.<\/div>\n<div style=\"text-align: justify;\">Toate aceste variante, dar si altele vor face obiectul dezbaterilor pe care FACIAS le va organiza pe parcursul lunii iulie.<\/div>","protected":false},"excerpt":{"rendered":"<p>De la inceputul anului 2012, valoarea restantelor la creditele contractate de persoanele fizice continua sa creasca. Potrivit datelor Bancii Nationale Romane,\u00a0 intarzierile populatiei la plata creditelor au atins un nou&hellip;<\/p>","protected":false},"author":2,"featured_media":14672,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[68,89,46,48,3],"tags":[],"class_list":["post-1298","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-abuzuri","category-administratie","category-comunicate-de-presa","category-media","category-stiri"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Trebuie sa cautam insistent solutii pentru criza de rambursare a creditelor | FACIAS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/facias.ro\/eng\/trebuie-sa-cautam-insistent-solutii-pentru-criza-de-rambursare-a-creditelor\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Trebuie sa cautam insistent solutii pentru criza de rambursare a creditelor | FACIAS\" \/>\n<meta property=\"og:description\" content=\"De la inceputul anului 2012, valoarea restantelor la creditele contractate de persoanele fizice continua sa creasca. 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