\n\u00cen momentul \u00een care v\u0103 lua\u0163i un credit de la majoritatea b\u0103ncilor din Rom\u00e2nia, fie \u015fi sub forma unei descoperiri de cont, trebuie s\u0103 pl\u0103ti\u0163i o tax\u0103 de care pu\u0163ini dintre clien\u0163ii institu\u0163iilor bancare \u015ftiu.<\/p>\n
\nAstfel, potrivit informa\u0163iilor confirmate pentru Business MAGAZIN \u015fi Ziarul Financiar de surse din pia\u0163\u0103, \u00een momentul \u00een care accesa\u0163i un credit mobiliar, ve\u0163i pl\u0103ti o tax\u0103 de \u00eenregistrare a ipotecii mobiliare la acordarea creditului la Registrul Na\u0163ional de Publicitate Mobiliar\u0103 \u00een valoare de 65,7 lei. Apoi, \u00een fiecare an dup\u0103 acordarea creditului, \u00eenc\u0103 43,8 lei, la care se adaug\u0103 21,9 lei la momentul \u00een care dori\u0163i s\u0103 \u015fterge\u0163i ipoteca mobiliar\u0103 perceput\u0103 la momentul ramburs\u0103rii integrale a creditului.<\/p>\n
\nRegistrul Na\u0163ional de Publicitate Mobiliar\u0103 este sistemul legal de publicitate mobiliar\u0103 pentru ipoteci mobiliare, fiducii, avize specifice, crean\u0163e securitizate \u015fi obliga\u0163iuni ipotecare, potrivit informa\u0163iilor publicate pe site-ul institu\u0163iei.<\/p>\n
\nPotrivit art. 1 alin. 1 pct. d) din Legea nr. 297\/2018 privind Registrul Na\u0163ional de Publicitate Mobiliar\u0103 \u015fi pentru abrogarea Ordonan\u0163ei Guvernului nr. 89\/2000 privind unele m\u0103suri pentru autorizarea operatorilor \u015fi efectuarea \u00eenscrierilor \u00een Arhiva Electronic\u0103 de Garan\u0163ii Reale Mobiliare, Registrul Na\u0163ional de Publicitate Mobiliar\u0103, este un sistem na\u0163ional electronic de interes public, structurat pe persoane \u015fi bunuri, de eviden\u0163\u0103 a priorit\u0103\u0163ii \u00een caz de executare silit\u0103 \u015fi de publicitate a actelor \u015fi opera\u0163iunilor juridice prev\u0103zute de lege.<\/p>\n
\nBanca Comerciala Rom\u00e2n\u0103 nu percepe o astfel de tax\u0103, potrivit informa\u0163iilor furnizate de reprezentan\u0163ii institu\u0163iei, deoarece nu \u00eenregistreaz\u0103 ipoteci mobiliare pentru creditele acordate persoanelor fizice (excep\u0163ie face Prima Cas\u0103, unde oblig\u0103 legisla\u0163ia special\u0103). Din informa\u0163iile companiei, BCR este singura banc\u0103 din pia\u0163\u0103 care a simplificat acest flux. <\/p>\n","protected":false},"excerpt":{"rendered":"
\u00cen momentul \u00een care v\u0103 lua\u0163i un credit de la majoritatea b\u0103ncilor din Rom\u00e2nia, fie \u015fi sub forma unei descoperiri de cont, trebuie s\u0103 pl\u0103ti\u0163i o tax\u0103 de care pu\u0163ini dintre clien\u0163ii institu\u0163iilor bancare \u015ftiu. Astfel, potrivit informa\u0163iilor confirmate pentru Business MAGAZIN \u015fi Ziarul Financiar de surse din pia\u0163\u0103, \u00een momentul \u00een care accesa\u0163i un […]<\/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":[33055,7267,7736,750,22136,93,6763,10758],"class_list":["post-179132","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-ascundere","tag-banci","tag-credit","tag-datorii","tag-national","tag-plati","tag-publicitate","tag-taxa"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/179132","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=179132"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/179132\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=179132"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=179132"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=179132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}