{"id":158172,"date":"2018-02-27T10:56:53","date_gmt":"2018-02-27T10:56:53","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=158172"},"modified":"2018-02-27T10:56:53","modified_gmt":"2018-02-27T10:56:53","slug":"dobanzile-pentru-creditele-ipotecare-si-de-consum-pot-fi-plafonate-senatul-a-aprobat-legea","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=158172","title":{"rendered":"Dob\u00e2nzile pentru creditele ipotecare \u015fi de consum pot fi plafonate. Senatul a aprobat legea"},"content":{"rendered":"<p>\nPropunerea legislativ\u0103, ini\u0163iat\u0103 se senatorul PNL, Daniel Zamfir, stabile\u015fte regimul dob\u00e2nzilor penalizatoare \u00een raporturile juridice dintre consumatori \u015fi profesioni\u015fti, inclusiv comercian\u0163i, precum \u015fi faptul c\u0103 dob\u00e2nda conven\u0163ional\u0103, at\u00e2t cea remuneratorie, c\u00e2t \u015fi cea penalizatoare, pl\u0103tibil\u0103 conform contractului de c\u0103tre consumator, nu poate dep\u0103\u015fi cu de 2,5 ori mai mult dob\u00e2nda de referin\u0163\u0103 a B\u0103ncii Na\u0163ionale.<\/p>\n<p>\nPropunerea legislativ\u0103 prevede c\u0103 m\u0103surile dispuse se aplic\u0103 \u015fi contractelor aflate \u00een derulare la data intr\u0103rii \u00een vigoare a legii.<\/p>\n<p>\nPotrivit unui amendament adoptat de Comisia de buget, Comisia economic\u0103 \u015fi Comisia juridic\u0103, \u201edob\u00e2nda efectiv\u0103 anual\u0103 privind contractile de credit oferite consumatorilor pentru bunuri imobile, precum \u015fi contractele de credit pentru condumatori, nu poate dep\u0103\u015fi: a) de mai mult de 2,5 ori dob\u00e2nda legal\u0103, \u00een cazul creditelor ipotecare sau imobiliare, astfel cum sunt acestea definite de Legea nr.90\/1999 privind creditul ipotecar pentru investi\u0163ii imobiliare; pentru evitarea oric\u0103rei confuzii, este credit ipotecar sau imobiliar orice credit contractat de consumatori pe o perioad\u0103 mai mare de 10 ani, garantat cu o ipotec\u0103 asupra imobilului cump\u0103rat, construit, reabilitat, extins sau consolidat ori cu un alt imobil, proprietatea debitorului sau a unui ter\u0163 garant; b) 18% pe an, \u00een cazul creditelor de consum; pentru evitarea oric\u0103rei confuzii, este credit de consum orice credit contractat de consumatori care nu \u00eendepline\u015fte criteriile pentru a fi considerat credit ipotecar sau imobiliar\u201d.<\/p>\n<p>\n<a href=\"http:\/\/www.gandul.info\/financiar\/dobanzile-pentru-creditele-ipotecare-si-de-consum-pot-fi-plafonate-senatul-a-aprobat-legea-stiti-cat-iau-romanii-fara-numar-6000-7000-9000-despre-asta-este-vorba-17034818\">Cite\u015fte continuarea pe www.gandul.info<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Senatul a adoptat, luni, proiectul de lege care prevede plafonarea dob\u00e2nzii efective anuale (DAE) pentru creditele ipotecare \u015fi de consum, astfel c\u0103 dob\u00e2nda pentru creditele ipotecare nu va putea dep\u0103\u015fi cu mai mult de 2,5 ori dob\u00e2nda de referin\u0163\u0103 a B\u0103ncii Na\u0163ionale.<\/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":[9060,9152,236,9817,7736,8356,7458,187,527,42443,80,10741],"class_list":["post-158172","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-adoptare","tag-aprobare","tag-banca","tag-consum","tag-credit","tag-credite-ipotecare","tag-dobanda","tag-dobanzi","tag-lege","tag-plafonata","tag-refuz","tag-senat"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/158172","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=158172"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/158172\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=158172"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=158172"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=158172"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}