{"id":117418,"date":"2015-02-03T15:43:21","date_gmt":"2015-02-03T15:43:21","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=117418"},"modified":"2015-02-03T15:43:21","modified_gmt":"2015-02-03T15:43:21","slug":"un-timisorean-cu-credite-in-franci-elvetieni-a-platit-o-parte-din-rata-in-monede-de-10-si-50-de-bani-foto","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=117418","title":{"rendered":"Un timi\u015forean cu credite \u00een franci elve\u0163ieni a pl\u0103tit o parte din rat\u0103 \u00een monede de 10 \u015fi 50 de bani &#8211; FOTO"},"content":{"rendered":"<p>\nTimi\u015foreanul Narcis Semeniuc a contractat \u00een anul 2007 un credit ipotecar pentru achizi\u0163ionarea unui apartament \u00een Bucure\u015fti \u015fi un credit de nevoi personale, la b\u0103nci diferite, \u00een valoare total\u0103 de aproximativ 100.000 de franci elve\u0163ieni, transmite corespondentul MEDIAFAX.<\/p>\n<p>\n<strong>Semeniuc a spus c\u0103 rata lunar\u0103 pentru cele dou\u0103 credite este de 780 de franci elve\u0163ieni \u015fi, dac\u0103 la \u00eenceput a pl\u0103tit lunar aproximativ 1.600 de lei, acum aceast\u0103 sum\u0103 s-a dublat.<\/strong><\/p>\n<p style=\"text-align: center;\">\n<strong><img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/13801535\/3\/credit-franci-monede-2-sebastian-tataru.jpg?height=454&#038;width=604\" style=\"width: 604px; height: 454px; margin: 2px;\" \/><\/strong><\/p>\n<p>\n\u00cen aceste condi\u0163ii, b\u0103rbatul a ajuns \u00een situa\u0163ia de a-\u015fi vinde diferite obiecte din cas\u0103 pentru a-\u015fi putea pl\u0103ti datoriile la b\u0103nci.<\/p>\n<p>\n&#8220;<strong>Pl\u0103tesc undeva la 780 de franci. \u00cen momentul acesta, eforturile de a pl\u0103ti le fac \u00een special v\u00e2nz\u00e2nd diverse lucruri pe care le mai am din perioadele \u00een care o duceam mai bine.<\/strong> Dac\u0103 lu\u0103m \u00een calcul o conversie, personal am f\u0103cut urm\u0103toarea socoteal\u0103: \u00een \u015fapte ani \u00een care am pl\u0103tit creditul, dac\u0103 la suma respectiv\u0103 adun\u0103m valoarea de pia\u0163\u0103 a apartamentului, ajungem aproape la zero, raportat la valoarea banilor pe care banca mi i-a pus la dispozi\u0163ie. De aici \u00eencolo, practic, discut\u0103m despre profit, dup\u0103 socoteala mea, dar nu sunt prea bun la matematic\u0103. De aici \u00eencolo, dac\u0103 am pl\u0103ti, presupun\u00e2nd c\u0103 s-ar ajunge, prin absurd, la cursul istoric de 2,1 lei, suma care s-ar aduna p\u00e2n\u0103 la finalul celor 25 de ani de credit, dac\u0103 am \u00eemp\u0103r\u0163i-o la cursul actual al francului, ar rezulta un profit de 62%. Unde este pierderea b\u0103ncii?&#8221;, a spus Semeniuc.<\/p>\n<p>\nB\u0103rbatul a mers, mar\u0163i, la filiala unei b\u0103nci din Timi\u015foara pentru a-\u015fi achita rata pentru unul din credite, \u00een valoare de 525 de franci elve\u0163ieni. Din aceast\u0103 rat\u0103, Semeniuc a pl\u0103tit suma de 350 de lei \u00een monede de zece \u015fi 50 de bani adunate \u00eentr-o pung\u0103, iar diferen\u0163a a pl\u0103tit-o \u00een franci elve\u0163ieni.<\/p>\n<p>\n<strong>\u00cen total, monedele c\u00e2nt\u0103reau aproximativ cinci kilograme.<\/strong><\/p>\n<p>\n<strong>Trei func\u0163ionari ai b\u0103ncii au num\u0103rat monedele timp de aproximativ 40 de minute.<\/strong><\/p>\n<p style=\"text-align: center;\">\n<strong><img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/13801535\/4\/credit-franci-monede-3-sebastian-tataru.jpg?height=454&#038;width=604\" style=\"width: 604px; height: 454px; margin: 2px;\" \/><\/strong><\/p>\n<p>\n&#8220;A durat mult num\u0103r\u0103toarea, dar, \u00een condi\u0163iile \u00een care pl\u0103tim ni\u015fte comisioane de administrare extrem de mari, cred c\u0103 merit\u0103m m\u0103car at\u00e2ta aten\u0163ie din partea b\u0103ncilor. Din punctul nostru de vedere, cu toate calculele pe care le-am f\u0103cut, singura solu\u0163ie este denominarea la cursul istoric, plus un procent care poate fi stabilit \u00een condi\u0163ii rezonabile \u00eentre BNR, b\u0103nci \u015fi clien\u0163i. Urm\u0103toarea rat\u0103 o voi pl\u0103ti \u00een func\u0163ie de cum evolueaz\u0103 lucrurile. Noi, clien\u0163ii cu credite \u00een franci elve\u0163ieni, vom continua cu aceast\u0103 form\u0103 de protest sau o vom pl\u0103ti \u00een condi\u0163ii normale, ceea ce ne dorim. Am pl\u0103tit 525 de franci elve\u0163ieni, din care 350 de lei \u00een monede&#8221;, a spus Semeniuc.<\/p>\n<p>\nB\u0103rbatul a anun\u0163at c\u0103 duminic\u0103 va avea loc, \u00een Pia\u0163a Victoriei din Timi\u015foara, un protest al celor care au credite \u00een franci elve\u0163ieni, fiind a\u015fteptate s\u0103 participe aproximativ 150 de persoane.<\/p>\n<p>\n\u00cen Rom\u00e2nia sunt peste 70.000 de clien\u0163i ai b\u0103ncilor care au credite \u00een franci elve\u0163ieni.<\/p>\n<p>\n<a name=\"13794847!\"><\/a><\/p>\n<p>\n<a name=\"13795239!\"><\/a><\/p>\n<p>\n<a name=\"13793470!\"><\/a><\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un b\u0103rbat din Timi\u015foara care are dou\u0103 credite \u00een franci elve\u0163ieni la b\u0103nci diferite, pentru care pl\u0103te\u015fte lunar 780 de franci elve\u0163ieni, a achitat, mar\u0163i, o parte a uneia dintre rate folosind monede de 10 \u015fi 50 de bani, \u00een semn de protest fa\u0163\u0103 de aprecierea cursului.<\/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":[7736,16610,9980],"class_list":["post-117418","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-credit","tag-monede","tag-rata"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/117418","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=117418"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/117418\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=117418"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=117418"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=117418"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}