{"id":137293,"date":"2016-09-15T13:45:35","date_gmt":"2016-09-15T13:45:35","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=137293"},"modified":"2016-09-15T13:45:35","modified_gmt":"2016-09-15T13:45:35","slug":"recuperatorii-redusi-la-tacere-de-guvern-s-a-adoptat-ordonanta-care-le-interzice-hartuirea-restantierilor","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=137293","title":{"rendered":"Recuperatorii, \u201eredu\u015fi la t\u0103cere\u201d de Guvern! S-a adoptat Ordonan\u0163a care le interzice h\u0103r\u0163uirea restan\u0163ierilor"},"content":{"rendered":"<p>\nGuvernul a adoptat ieri o ordonan\u0163\u0103&nbsp;de urgen\u0163\u0103&nbsp;privind contractele de credit, noile reglement\u0103ri urm\u00e2nd s\u0103 intre \u00een vigoare \u00een zece zile. Acestea transpun \u00een legisla\u0163ia intern\u0103 o directiv\u0103 a UE, num\u0103rul&nbsp; 2014\/17 \u015fi interzic, \u00eentre altele, perceperea de comisioane de rambursare anticipat\u0103 a creditului, majorarea comisioanelor pe timpul derul\u0103rii contractului de credit, h\u0103r\u0163uirea debitorului de c\u0103tre recuperatori sau contactarea consumatorului, la locul de munc\u0103&nbsp;al acestuia, \u00een cadrul procesului de recuperare crean\u0163e.<\/p>\n<p>\nDe asemenea, consumatorul va avea dreptul s\u0103-\u015fi converteasc\u0103 contractul, oric\u00e2nd pe parcursul derul\u0103rii acestuia,&nbsp;\u00een alt\u0103&nbsp;moned\u0103&nbsp;(cea&nbsp;\u00een care este retribuit sau cea din&nbsp;\u0163ara de re\u015fedin\u0163\u0103) dec\u00e2t cea&nbsp;\u00een care a contractat creditul, la valoarea cursului de schimb al BNR din ziua solicit\u0103rii.<\/p>\n<p>\nPotrivit actului normativ citat, \u00eencep\u00e2nd cu 1 ianuarie 2017 dezvoltatorii imobiliari care pot acorda credite doar dac\u0103&nbsp;sunt&nbsp;\u00eenregistra\u0163i la Autoritatea Na\u0163ional\u0103&nbsp;pentru Protec\u0163ia Consumatorilor (ANPC). Totodat\u0103,&nbsp;\u015fi activitatea de recuperare de crean\u0163e va putea fi desf\u0103\u015furat\u0103&nbsp;doar de entit\u0103\u0163ile&nbsp;\u00eenregistrate de ANPC.<\/p>\n<p>\nOrdonan\u0163a se aplic\u0103&nbsp;tuturor contractelor de credit ce au ca obiect transferul dreptului de proprietate asupra unui bun imobil ori ce sunt garantate cu bunuri imobile, respectiv contractelor de credit legate&nbsp;\u00een vreun fel de bunuri imobile destinate consumatorilor (persoanele fizice).<\/p>\n<p>\nOrdonan\u0163a cuprinde prevederi referitoare la informarea corect\u0103&nbsp;\u015fi complet\u0103&nbsp;a consumatorilor care solicit\u0103&nbsp;credite imobiliare sau garantate cu ipotec\u0103. Informarea se refer\u0103&nbsp;at\u00e2t la publicitatea produselor bancare, c\u00e2t&nbsp;\u015fi la informarea precontractual\u0103&nbsp;a consumatorilor.<\/p>\n<p>\n<a href=\"http:\/\/www.zf.ro\/eveniment\/contractele-credit-valuta-pot-convertite-lei-cursul-ziua-solicitarii-convertirii-rambursarile-anticipate-pot-taxate-suplimentar-recuperatorii-i-pot-hartui-datornici-15705629\">Citi\u0163i mai multe pe site-ul ZF<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Guvernul a adoptat ieri o ordonan\u0163\u0103&nbsp;de urgen\u0163\u0103&nbsp;privind contractele de credit, noile reglement\u0103ri urm\u00e2nd s\u0103 intre \u00een vigoare \u00een zece zile. Acestea transpun \u00een legisla\u0163ia intern\u0103 o directiv\u0103 a UE, num\u0103rul&nbsp; 2014\/17 \u015fi interzic, \u00eentre altele, perceperea de comisioane de rambursare anticipat\u0103 a creditului, majorarea comisioanelor pe timpul derul\u0103rii contractului de credit, h\u0103r\u0163uirea debitorului de c\u0103tre [&hellip;]<\/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":[7600,9748,5238,9675,7435,10793,7736,8553,9001,80,18654,17225,10266],"class_list":["post-137293","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-anticipate","tag-comisioane","tag-consumatori","tag-contract","tag-contracte","tag-creante","tag-credit","tag-ordonanta","tag-recuperare","tag-refuz","tag-solicitare","tag-taxare","tag-valuta"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/137293","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=137293"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/137293\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=137293"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=137293"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=137293"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}