{"id":158052,"date":"2018-02-22T15:49:36","date_gmt":"2018-02-22T15:49:36","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=158052"},"modified":"2018-02-22T15:49:36","modified_gmt":"2018-02-22T15:49:36","slug":"diferente-colosale-cat-plateste-un-roman-dobanda-fata-de-un-neamt-sau-francez","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=158052","title":{"rendered":"DIferen\u0163e COLOSALE: C\u00e2t pl\u0103te\u015fte un rom\u00e2n dob\u00e2nd\u0103 fa\u0163\u0103 de un neam\u0163 sau francez"},"content":{"rendered":"<div>\nBanca Central\u0103 a explicat c\u0103 restric\u0163iile directe pot \u00eembr\u0103ca forma unor plafoane absolute, fixe (Grecia, Irlanda,&nbsp; Malta) sau a unor plafoane relative bazate pe o rat\u0103 de referin\u0163\u0103 (Belgia, Estonia, Fran\u0163a, Slovenia, Germania, Italia, Olanda, Polonia, Portugalia, Slovacia, Spania, Slovenia).&nbsp;<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nConsultarea literaturii economice arat\u0103 c\u0103 exist\u0103 diferen\u0163e considerabile \u00een atitudinea statelor membre UE \u00een ceea ce prive\u015fte reglementarea pre\u0163ului creditului de consum:<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n\u00b7&nbsp; &nbsp; &nbsp; &nbsp; unele state membre au introdus plafoane stricte de rate ale dob\u00e2nzii, \u00eentruc\u00e2t creditele cu pre\u0163uri \u00eenalte pot agrava situa\u0163ia financiar\u0103 a consumatorilor \u015fi reflect\u0103 proasta func\u0163ionare a pie\u0163elor, \u00een special pentru credite de valoare mic\u0103;<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n\u00b7&nbsp; &nbsp; &nbsp; \u00een multe din statele membre care au reglementat domeniul, acestea au abordat \u00een general categorii specifice de \u00eemprumuturi \u015fi m\u0103surile respective s-au \u00eentemeiat pe studii de impact care au \u0163inut cont de situa\u0163iile din pie\u0163ele respective<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n\u00b7&nbsp; &nbsp; &nbsp; alte \u0163\u0103ri justific\u0103 absen\u0163a unor asemenea reglement\u0103ri, \u00een special prin aceea c\u0103 plafoanele vor reduce accesul la credit, mai ales pentru persoanele cu mijloace financiare modeste.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n\u00b7&nbsp; &nbsp; &nbsp; \u00cen plus, trebuie precizat c\u0103 \u015fi \u00een situa\u0163ia \u00een care reglementeaz\u0103 pre\u0163ul creditului, statele membre UE se diferen\u0163ieaz\u0103 \u00een leg\u0103tur\u0103 cu gradul \u015fi modul \u00een care realizeaz\u0103 aceasta.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n<a href=\"http:\/\/www.zf.ro\/banci-si-asigurari\/plafonate-dobanzile-credite-europa-germania-jurisprudenta-indica-dobanda-maxima-dublul-dobanzii-referinta-romania-bancile-revolta-dupa-propunerea-plafonare-2-5-ori-dobanda-bnr-arata-restul-statelor-17026562\">Cititi mai multe pe www.zf.ro<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>BNR a prezentat miercuri un material legat de abord\u0103rile diferite pe care le au statele membre UE privind controlul ratelor dob\u00e2nzii, men\u0163ion\u00e2nd c\u0103 unele state membre au introdus plafoane stricte, \u00een timp ce altele prefer\u0103 s\u0103 nu aplice astfel de reglement\u0103ri, pentru a nu restric\u0163iona accesul la credit. <\/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":[238,7736,7458,7909,14862,19942,93,8443,80,13021,30242,528],"class_list":["post-158052","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-acces","tag-credit","tag-dobanda","tag-franta","tag-introducere","tag-neamt","tag-plati","tag-rate","tag-refuz","tag-roman","tag-state-membre","tag-uniunea-europeana"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/158052","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=158052"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/158052\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=158052"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=158052"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=158052"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}