\nB\u0103ncile care au acordat credite \u00een franci elve\u0163ieni au avut joi, la Banca Na\u0163ional\u0103, o \u00eent\u00e2lnire de lucru cu conducerea executiv\u0103 a BNR \u015fi cu cea a Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor (ARB), pentru “a g\u0103si o serie de solu\u0163ii de reducere a serviciului datoriei debitorilor care au fost afecta\u0163i de turbulen\u0163ele recente de pe pia\u0163a financiar\u0103 interna\u0163ional\u0103 determinate de decizia B\u0103ncii Centrale a Elve\u0163iei”, potrivit unui comunicat al BNR.<\/p>\n
\nAstfel, cele trei p\u0103r\u0163i au agreat o serie de solu\u0163ii pe care b\u0103ncile le pot oferi clien\u0163ilor individual, f\u0103r\u0103 a fi limitate doar la acestea.<\/strong><\/p>\n \n“Pentru a rezolva aceste probleme individuale, b\u0103ncile comerciale au la dispozi\u0163ie o serie de solu\u0163ii optionale consistente cu principiul \u00eemp\u0103r\u0163irii poverii ajust\u0103rii (burden – sharing) aplicat \u015fi pe plan interna\u0163ional”, se spune \u00een comunicatul BNR.<\/p>\n \nM\u0103surile vizeaz\u0103 men\u0163inerea ratelor lunare \u00een lei aferente creditelor \u00een franci elve\u0163ieni la un nivel apropiat celui din luna decembrie 2014, conversia creditelor \u00een lei la cursul zilei \u015fi\/sau acordarea unui discount privind cuantumul servicului datoriei, reducerea temporar\u0103 a ratei dob\u00e2nzii pentru a compensa efectul aprecierii francului elve\u0163ian sau flexibilizarea mecanismului de rescaden\u0163are \u015fi a duratei \u00een raport cu capacitatea financiar\u0103 a debitorilor, prin aplicarea prevederilor “Electoratei” \u00eembun\u0103t\u0103\u0163ite.<\/p>\n \nTotodat\u0103, b\u0103ncile vor avea \u00een vedere simplificarea procedurilor administrative \u015fi \u00eent\u0103rirea protec\u0163iei debitorilor \u00een raport cu banca, astfel \u00eenc\u00e2t \u00een procesul rescaden\u0163\u0103rii creditelor s\u0103 nu se \u00een\u0103spreasc\u0103 termenii contractului de credit precum rata dob\u00e2nzii, comisioane sau solicitarea constituirii de noi garan\u0163ii.<\/p>\n \n“Solu\u0163iile sunt complementare. Fiecare banc\u0103 poate aplica un mix adecvat de solu\u0163ii adaptat fiec\u0103rui caz individual. Ele sunt valabile \u015fi pentru creditele acordate \u00een alte monede \u015fi pot fi optimizate de la caz la caz<\/strong>“, se precizeaz\u0103 \u00een comunicat.<\/p>\n","protected":false},"excerpt":{"rendered":" B\u0103ncile pot propune clien\u0163ilor cu credite \u00een franci elve\u0163ieni solu\u0163ii care s\u0103 men\u0163ina rata lunar\u0103 \u00een lei la un nivel apropiat celui din decembrie 2014, conversia \u00een lei \u015fi\/sau acordarea unui discount aplicat la sold sau reducerea temporar\u0103 a dob\u00e2nzii, m\u0103surile fiind agreate joi cu BNR \u015fi ARB.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[185,39293,10911],"class_list":["post-117209","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bnr","tag-credite-franci","tag-solutii"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/117209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=117209"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/117209\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=117209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=117209"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=117209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}