\nRom\u00e2nii care mai au contracte de credite de consum sau ipotecare luate \u00eenainte de luna mai 2019, care sunt legate de ROBOR, pot s\u0103 mearg\u0103 la banc\u0103 \u015fi s\u0103 fac\u0103 o cerere prin care s\u0103 solicite trecerea la IRCC ca indicator de referin\u0163\u0103, pentru a-\u015fi diminua rata de plat\u0103, av\u00e2nd \u00een vedere c\u0103 ROBOR a dep\u0103\u015fit deja 5%, fiind aproape triplu fa\u0163\u0103 de nivelul IRCC folosit acum, de 1,86%.<\/p>\n
\nClien\u0163ii au dreptul, conform OUG 19\/2019, s\u0103 cear\u0103 b\u0103ncilor \u00eenlocuirea ROBOR cu IRCC. Iar b\u0103ncile sunt obligate s\u0103 r\u0103spund\u0103 \u00een maximum 60 de zile. \u201eLa fel ca \u00een cazul oric\u0103rei solicit\u0103ri de renegociere a condi\u0163iilor con\u00adtractuale, aceasta poate s\u0103 vizeze doar indexul de do\u00adb\u00e2nd\u0103 sau \u015fi al\u0163i parametri ai costului creditului, iar b\u0103n\u00adcile vor analiza solicitarea \u015fi o pot accepta sau refuza \u00een ter\u00admen de maximum 60 de zile de la data solicit\u0103rii. Astfel, banca va realiza o analiz\u0103 a situa\u0163iei financiare a clientului \u015fi a comportamentului de rambursare din ulti\u00admele luni pentru orice solicitare de modificare de costuri, inclusiv pentru trecerea de la ROBOR la IRCC\u201c, au explicat reprezentan\u0163ii BRD-SocGen la solicitarea ZF.<\/p>\n
\n\u00cen privin\u0163a dob\u00e2nzii ulterioare a creditului, exist\u0103 mai multe variante posibile: modificarea indexului \u015fi p\u0103strarea marjei, trecerea pe o structur\u0103 de pre\u0163 din oferta curent\u0103 sau o variant\u0103 intermediar\u0103, mai sus\u0163ine BRD.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Rom\u00e2nii care mai au contracte de credite de consum sau ipotecare luate \u00eenainte de luna mai 2019, care sunt legate de ROBOR, pot s\u0103 mearg\u0103 la banc\u0103 \u015fi s\u0103 fac\u0103 o cerere prin care s\u0103 solicite trecerea la IRCC ca indicator de referin\u0163\u0103, pentru a-\u015fi diminua rata de plat\u0103, av\u00e2nd \u00een vedere c\u0103 ROBOR a […]<\/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":[7267,485,16371,45125,17315,8037],"class_list":["post-204522","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-credite","tag-debitori","tag-ircc","tag-robor","tag-sistem-bancar"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/204522","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=204522"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/204522\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=204522"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=204522"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=204522"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}