{"id":181555,"date":"2020-03-30T23:30:12","date_gmt":"2020-03-30T23:30:12","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=181555"},"modified":"2020-03-30T23:30:12","modified_gmt":"2020-03-30T23:30:12","slug":"confuzia-se-accentueaza-ping-pong-cu-amanarea-ratelor-romanilor-intre-banci-si-ministerul-finantelor-bancherii-recomanda-evitarea-unor-masuri-universale-de-amanare-a-ratelor-minis","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=181555","title":{"rendered":"Confuzia se accentueaz\u0103. Ping-pong cu am\u00e2narea ratelor rom\u00e2nilor \u00eentre b\u0103nci \u015fi Ministerul Finan\u0163elor. Bancherii recomand\u0103 evitarea unor m\u0103suri \u201euniversale\u201c de am\u00e2nare a ratelor. Ministerul Finan\u0163elor a readus ieri \u00een discu\u0163ia guvernului ordonan\u0163a aprobat\u0103 joi"},"content":{"rendered":"

\n\u2666 Comunitatea bancar\u0103 solicit\u0103 echilibru \u015fi ra\u0163iune economic\u0103 \u00een deciziile de politici publice pentru utilizarea optim\u0103 a resurselor economice ale sistemului financiar.<\/strong><\/p>\n

\nPersoanele fizice \u015fi companiile care au cre\u00addite la b\u0103nci \u015fi se g\u00e2ndesc s\u0103-\u015fi am\u00e2ne ratele pen\u00adtru c\u0103 au dificult\u0103\u0163i din cauza crizei corona\u00advi\u00adrus sunt tot mai confuze, \u00een condi\u0163iile \u00een care ordo\u00adnan\u0163a de urgen\u0163\u0103 aprobat\u0103 s\u0103p\u00adt\u0103\u00adm\u00e2\u00adna tre\u00adcut\u0103 de guvern a revenit ieri \u00een discu\u0163ia gu\u00adver\u00adnului, pentru corectarea unor erori, \u00een timp ce bancherii au reac\u0163ionat ieri, cu \u00eent\u00e2rziere, afirm\u00e2nd c\u0103 nu sus\u0163in ordo\u00adnan\u00ad\u0163a, care vine cu m\u0103suri \u201euniversale\u201c de am\u00e2nare a ratelor.<\/p>\n

\nPoiectul de ordonan\u0163\u0103 privind am\u00e2narea ratelor, care a fost aprobat s\u0103pt\u0103m\u00e2na trecut\u0103 de guvern, a fost ulterior retras de la publicarea \u00een Monitorul Oficial, fiind discutat din nou ieri \u00een \u015fedin\u0163a de guvern.<\/p>\n

\nMinistrul finan\u0163elor Florin C\u00ee\u0163u a anun\u00ad\u0163at c\u0103 \u00een \u015fedin\u0163a de guvern vor fi aduse \u00eem\u00adbu\u00adn\u0103t\u0103\u0163iri la forma aprobat\u0103 a ordonan\u0163ei. \u201eOrdonan\u0163a care am\u00e2n\u0103 plata ratelor rom\u00e2\u00adni\u00adlor p\u00e2n\u0103 la 9 luni (!!!) nu este retras\u0103! C\u00e2teva ob\u00adserva\u0163ii ale MFP care clarificau mai multe discu\u0163ii ap\u0103rute \u00een spa\u0163iul public au fost omise din varianta trimis\u0103 spre pu\u00adblicare. Ast\u0103zi (ieri – n.red.) \u00een \u015fedin\u0163a de gu\u00advern de la ora 17:00 corect\u0103m aceast\u0103 eroa\u00adre. Varianta cu toate observa\u0163iile incluse se va publica dup\u0103 \u015fedin\u0163a de guvern\u201c, a scris ministrul finan\u0163elor pe pagina de Facebook.<\/p>\n

\n\u00cen aceste condi\u0163ii intr\u0103 \u00een prelungiri \u015fi aprobarea normelor metodologice pentru ordonan\u0163\u0103, care ar putea s\u0103 aduc\u0103 mai multe clarific\u0103ri, acestea urm\u00e2nd s\u0103 fie aprobate de guvern cel mai probabil joi.<\/p>\n

\nGuvernul a decis ieri c\u0103 termenul p\u00e2n\u0103 la care poate fi cerut\u0103 am\u00e2narea ratelor se m\u0103re\u015fte la 45 de zile, de la intrarea \u00een vigoare a ordonan\u0163ei de urgen\u0163\u0103, iar premierul Ludovic Orban a spus c\u0103 modific\u0103rile aduse ordonan\u0163ei prev\u0103d ca \u00een cazul creditelor ipotecare s\u0103 nu se mai recurg\u0103 la capitalizare, potrivit Mediafax. Totodat\u0103, dac\u0103 cei care au res\u00adtan\u0163e la credite, au posibilitatea s\u0103 le pl\u0103\u00adteasc\u0103 p\u00e2n\u0103 la momentul depunerii cererii.<\/p>\n

\nPe de alt\u0103 parte, \u00een cele din urm\u0103 au reac\u0163ionat ieri, cu \u00eent\u00e2rziere, \u015fi asocia\u0163iile bancherilor, avertiz\u00e2nd c\u0103 nu sus\u0163in o ordonan\u0163\u0103 de urgen\u0163\u0103 a guvernului pentru am\u00e2narea generalizat\u0103 a pl\u0103\u0163ii ratelor, ci adoptarea unor solu\u0163ii individuale de c\u0103tre fiecare banc\u0103, pentru clien\u0163ii afecta\u0163i de pandemia de coronavirus care vor p\u0103suire la plata ratelor, pentru a nu fi afectat\u0103 lichiditatea sistemului bancar.<\/p>\n

\n\u201eAsocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor (ARB) \u015fi Consiliul Patronatelor Bancare din Rom\u00e2nia (CPBR), organiza\u0163ii care reprezint\u0103 toate in\u00adsti\u00adtu\u0163iile bancare active pe pia\u0163a rom\u00e2neas\u00adc\u0103, consider\u0103 c\u0103 abordarea individual\u0103 a cazu\u00adrilor clien\u0163ilor, persoane fizice \u015fi juridice, afecta\u0163i de pandemia de COVID-19 repre\u00adzint\u0103 cea mai corect\u0103 \u015fi eficient\u0103 abordare pentru solu\u0163ionarea real\u0103 a dificult\u0103\u0163ilor financiare ale clien\u0163ilor, f\u0103r\u0103 afectarea lichidit\u0103\u0163ii sistemului bancar\u201c, au transmis ieri cele dou\u0103 asocia\u0163ii.<\/p>\n

\nBancherii sus\u0163in c\u0103 economia are nevoie de solu\u0163ii individualizate pentru clien\u0163ii b\u0103ncilor \u015fi recomand\u0103 evitarea de moratorii generalizate din partea autorit\u0103\u0163ilor, necalibrate corespunz\u0103tor, ce aplic\u0103 m\u0103suri \u201euniversale\u201c, de am\u00e2nare a ratelor chiar \u015fi p\u00e2n\u0103 la 9 luni, care pot conduce la afectarea grav\u0103 a lichidit\u0103\u0163ii sistemului bancar \u015fi care nu solu\u0163ioneaz\u0103 pe fond diversitatea de situa\u0163ii cu care se confrunt\u0103 clien\u0163ii.<\/p>\n

\n\u201eImpunerea de solu\u0163ii generalizate, f\u0103r\u0103 studii de impact, nu ajut\u0103 economia, popula\u0163ia, companiile \u015fi \u00een niciun caz revenirea economic\u0103 viitoare. Comunitatea bancar\u0103 solicit\u0103 echilibru \u015fi ra\u0163iune economic\u0103 \u00een deciziile de politici publice pentru utilizarea optim\u0103 a resurselor economice ale sistemului financiar, astfel \u00eenc\u00e2t s\u0103 nu r\u0103m\u00e2nem f\u0103r\u0103 trac\u0163iune \u00een activitatea de creditare \u015fi mai ales, s\u0103 nu fie afectate lichiditatea \u015fi capitalizarea b\u0103ncilor, care vor fi principalele motoare de redresare economic\u0103 \u00een viitorul apropiat.\u201c<\/p>\n

\nAm\u00e2narea ratelor nu \u00eenseamn\u0103 anularea ratelor, ci plata lor ulterioar\u0103, \u015fi presupune costuri suplimentare, av\u00e2nd \u00een vedere c\u0103 dob\u00e2nzile am\u00e2nate ar urma s\u0103 se capitalizeze la soldul creditului, iar ratele dob\u00e2nzilor ar putea s\u0103 creasc\u0103 \u00een perspectiv\u0103, dup\u0103 expirarea p\u0103suirii.<\/p>\n

\n\u00cen proiectul de ordonan\u0163\u0103 privind am\u00e2narea ratelor la credite se men\u0163ioneaz\u0103 c\u0103 dob\u00e2nda datorat\u0103 de debitori corespunz\u0103toare sumelor scadente a c\u0103ror plat\u0103 este suspendat\u0103 \u201ese capitalizeaz\u0103 la soldul creditului existent la finele perioadei de suspendare\u201c. Capitalul astfel majorat se pl\u0103te\u015fte e\u015falonat pe durata r\u0103mas\u0103 p\u00e2n\u0103 la noua maturitate a creditelor, ulterior perioadei de suspendare.<\/p>\n

\n\u00cen condi\u0163iile \u00een care s-ar capitaliza \u00een soldul creditului, dob\u00e2nzile acumulate pe perioada suspend\u0103rii ratelor devin principal din acel moment \u015fi apare efectul de \u201edob\u00e2nd\u0103 la dob\u00e2nd\u0103\u201c.<\/p>\n

\nBancherii au venit p\u00e2n\u0103 acum cu solu\u0163ii individuale \u015fi au decis s\u0103 am\u00e2ne ratele la creditele persoanelor fizice cu 1, 2 sau 3 luni, \u00een timp ce pentru companii s-au g\u00e2ndit s\u0103 prelungeasc\u0103 liniile de finan\u0163are cu c\u00e2teva luni luni sau chiar s\u0103 reduc\u0103 cu p\u00e2n\u0103 la 100% ratele la creditele corporate pentru mai multe luni.<\/p>\n

\nRecent, BNR a anun\u0163at c\u0103 a flexibilizat cadrul pruden\u0163ial pentru b\u0103nci \u015fi institu\u0163iile financiare nebancare astfel c\u0103 am\u00e2narea la plat\u0103 a ratelor, determinat\u0103 de criza coronavirus, nu trebuie asociat\u0103 unei no\u0163iuni de dificultate financiar\u0103 a debitorului, iar institu\u0163ia bancar\u0103 nu trebuie s\u0103 constituie provizioanele pe sumele datorate, ca urmare a restructur\u0103rii. Astfel, creditele am\u00e2nate pe o perioad\u0103 mai mare de 3 luni nu vor fi considerate problematice\/neperformante \u015fi b\u0103ncile nu trebuie s\u0103 pun\u0103 bani deoparte provizion\u00e2ndu-le.<\/p>\n

\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Persoanele fizice \u015fi companiile care au cre\u00addite la b\u0103nci \u015fi se g\u00e2ndesc s\u0103-\u015fi am\u00e2ne ratele pen\u00adtru c\u0103 au dificult\u0103\u0163i din cauza crizei corona\u00advi\u00adrus sunt tot mai confuze, \u00een condi\u0163iile \u00een care ordo\u00adnan\u0163a de urgen\u0163\u0103 aprobat\u0103 s\u0103p\u00adt\u0103\u00adm\u00e2\u00adna tre\u00adcut\u0103 de guvern a revenit ieri \u00een discu\u0163ia gu\u00adver\u00adnului, pentru corectarea unor erori, \u00een timp ce bancherii au reac\u0163ionat ieri, cu \u00eent\u00e2rziere, afirm\u00e2nd c\u0103 nu sus\u0163in ordo\u00adnan\u00ad\u0163a, care vine cu m\u0103suri \u201euniversale\u201c de am\u00e2nare a ratelor.<\/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":[4551,7136,7246,191,8443],"class_list":["post-181555","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-amanare","tag-finante","tag-minister","tag-ministerul-finantelor","tag-rate"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/181555","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=181555"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/181555\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=181555"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=181555"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=181555"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}