{"id":216071,"date":"2023-05-17T20:32:23","date_gmt":"2023-05-17T20:32:23","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=216071"},"modified":"2023-05-17T20:32:23","modified_gmt":"2023-05-17T20:32:23","slug":"majoritatea-bancherilor-au-ramas-in-turnul-de-fildes-si-au-tacut-dupa-decizia-anpc-privind-amenzile-pentru-calculul-ratelor-doar-doua-banci-din-cele-11-sanctionate-de-anpc-au-reactionat-ieri-sustina","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=216071","title":{"rendered":"Majoritatea bancherilor au r\u0103mas \u00een turnul de filde\u015f \u015fi au t\u0103cut dup\u0103 decizia ANPC privind amenzile pentru calculul ratelor. Doar dou\u0103 b\u0103nci din cele 11 sanc\u0163ionate de ANPC au reac\u0163ionat ieri, sus\u0163in\u00e2nd c\u0103 respect\u0103 legea \u00een procesul credit\u0103rii \u015fi ramburs\u0103rii creditelor \u015fi vor contesta sanc\u0163iunea ANPC"},"content":{"rendered":"<p>\nMajoritatea bancherilor au r\u0103mas \u00een turnul de filde\u015f \u015fi au preferat s\u0103 tac\u0103 dup\u0103 decizia Autorit\u0103\u0163ii Na\u0163ionale pentru Protec\u0163ia Consumatorilor (ANPC) privind amenzile de 550.000 de lei pentru calculul ratelor.<\/p>\n<p>\n<strong><span style=\"color: rgb(255, 0, 0);\">\u2666&nbsp;<\/span>ING Bank Rom\u00e2nia a transmis c\u0103 a ac\u0163ionat \u015fi ac\u0163ioneaz\u0103 strict cu respectarea cadrului legal, modalit\u0103\u0163ile aplicate de rambursare a creditelor fiind prev\u0103zute de legisla\u0163ia \u00een vigoare. \u201eSuntem \u00een curs de analiz\u0103 a procesului verbal primit de la ANPC \u015fi urmeaz\u0103 s\u0103 contest\u0103m aceast\u0103 sanc\u0163iune\u201c, a transmis ING Bank pentru ZF l \u015ei OTP Bank Rom\u00e2nia sus\u0163ine c\u0103 respect\u0103 prevederile legale \u00een ceea ce prive\u015fte condi\u0163iile de creditare. \u201e\u00cen urma analizei procesului verbal primit de la ANPC, vom contesta sanc\u0163iunea dispus\u0103, urm\u00e2nd ca instan\u0163a de judecat\u0103 s\u0103 decid\u0103 calea de urmat\u201c, a transmis OTP Bank pentru ZF.<\/strong><\/p>\n<p>\nMajoritatea bancherilor au r\u0103mas \u00een turnul de filde\u015f \u015fi au preferat s\u0103 tac\u0103 dup\u0103 decizia Autorit\u0103\u0163ii Na\u0163ionale pentru Protec\u0163ia Consumatorilor (ANPC) privind amenzile de 550.000 de lei pentru calculul ratelor.<\/p>\n<p>\nDoar dou\u0103 b\u0103nci din cele 11 sanc\u0163ionate de ANPC au reac\u0163ionat ieri explic\u00e2nd c\u0103 respect\u0103 legea \u00een procesul credit\u0103rii \u015fi ramburs\u0103rii creditelor \u015fi vor contesta sanc\u0163iunea ANPC.<\/p>\n<p>\nANPC a anun\u0163at mar\u0163i 16 mai c\u0103 a amendat 11 b\u0103nci cu 550.000 de lei pentru practici \u00een\u015fel\u0103toare de calcul al ratelor. La cei 11 operatori economici financiari bancari din Rom\u00e2nia verifica\u0163i p\u00e2n\u0103 acum ANPC spune c\u0103 a identificat \u201efapte contraven\u0163ionale\u201c, respectiv \u201epractici comerciale \u00een\u015fel\u0103toare s\u0103v\u00e2r\u015fite de ace\u015ftia cu privire la modul de calcul al ratelor, prin faptul c\u0103, pe graficul de rambursare, rata era compus\u0103, \u00een primii ani, 25% din soldul principal de rambursat \u015fi 75 % dob\u00e2nd\u0103\u201c. Prin aceast\u0103 modalitate de calcul, consumatorii pl\u0103teau, de fapt, preponderent dob\u00e2nd\u0103, conform informa\u0163iilor transmise de ANPC.<\/p>\n<p>\nPotrivit ANPC, cei 11 operatori eco\u00adnomici sanc\u0163iona\u0163i sunt ING Bank, First Bank, Credite Europe Bank, OTP Bank, Alpha Bank, BT, Raiffeisen Bank, BCR, Patria Bank, UniCredit Bank \u015fi BRD.<\/p>\n<p>\nB\u0103ncile sanc\u0163ionate de ANPC au primit cu siguran\u0163\u0103 de la aceast\u0103 autoritate procesele verbale de constatare pe baza c\u0103rora puteau s\u0103 transmit\u0103 puncte de vedere.<\/p>\n<p>\nANPC nu le-a transmis \u00eenc\u0103 bancherilor \u015fi ordinul oficial care stabile\u015fte exact cum ar trebui s\u0103 arate noile grafice de rambursare, respectiv c\u00e2nd \u015fi cum ar trebui aplicat acest ordin al ANPC. Iar \u00een perioada urm\u0103toare ar putea avea loc \u00eent\u00e2lniri \u015fi discu\u0163ii \u00eentre bancherii \u015fi reprezentan\u0163ii ANPC pe aceast\u0103 tem\u0103, dup\u0103 cum spun surse apropiate discu\u0163iilor. Cert este c\u0103 solu\u0163ionarea contesta\u0163iilor b\u0103ncilor \u00een instan\u0163ele de judecat\u0103 dureaz\u0103. Iar \u00een cazul \u00een care b\u0103ncile ar trebui s\u0103 modifice \u00een perioada urm\u0103toare contractele \u015fi graficele de rambursare pentru clien\u0163ii vechi cu credite ipotecare, procesul de creditare nou\u0103 ar putea s\u0103 fie blocat o perioad\u0103.<\/p>\n<p>\nPe l\u00e2ng\u0103 cele 11 amenzi \u00een valoare de 550.000 lei, comisarii ANPC au propus emiterea unor noi grafice de rambursare, at\u00e2t pentru creditele aflate \u00een curs, c\u00e2t \u015fi pentru cele viitoare, unde principalul creditului datorat s\u0103 fie achitat de c\u0103tre consumatori \u00een rate egale, pe \u00eentreaga perioad\u0103 de creditare, \u00een raport cu dob\u00e2nda aferent\u0103 creditului.<\/p>\n<p>\nING Bank Rom\u00e2nia a transmis ieri la solicitarea ZF c\u0103 a ac\u0163ionat \u015fi ac\u0163ioneaz\u0103 strict cu respectarea cadrului legal, modalit\u0103\u0163ile aplicate de rambursare a creditelor fiind prev\u0103zute de legisla\u0163ia \u00een vigoare.&nbsp; \u201eSuntem \u00een curs de analiz\u0103 a procesului verbal primit de la Autoritatea Na\u0163ional\u0103 pentru Protec\u0163ia Consumatorilor \u015fi urmeaz\u0103 s\u0103 contest\u0103m aceast\u0103 sanc\u0163iune\u201c, a transmis ING Bank pentru ZF.<\/p>\n<p>\n\u015ei OTP Bank Rom\u00e2nia\u2020sus\u0163ine c\u0103 respect\u0103 prevederile legale \u00een ceea ce prive\u015fte condi\u0163iile de creditare. \u201e\u0152n urma analizei procesului verbal primit de la ANPC, vom contesta sanc\u0163iunea dispus\u0103, urm\u00e2nd ca instan\u0163a de judecat\u0103 s\u0103 decid\u0103 calea de urmat\u201c, a transmis OTP Bank la solicitarea ZF.<\/p>\n<p>\nLegat de cadrul legislativ \u00een sfera credit\u0103rii ipotecare, \u00een 2016 a intrat \u00een vigoare \u00een Rom\u00e2nia o nou\u0103 ordonan\u0163\u0103 privind creditarea ipotecar\u0103, la care a contribuit atunci \u015fi ANPC &#8211; OUG 52\/2016 -, care a modificat OUG 50\/2010. OUG 52\/2016 a transpus o directiv\u0103 european\u0103, respectiv Directiva 17\/2014 privind privind contractele de credit oferite consumatorilor pentru bunuri imobile reziden\u0163iale.<\/p>\n<hr \/>\n<p>\n<strong>B\u0103ncile sanc\u0163ionate de ANPC au primit procesele verbale de constatare privind amenzile de 550.000 de lei pentru calculul ratelor. ANPC nu le-a transmis \u00eenc\u0103 bancherilor \u015fi ordinul oficial care stabile\u015fte exact cum ar trebui s\u0103 arate noile grafice de rambursare, respectiv c\u00e2nd \u015fi cum ar trebui aplicat acest ordin al ANPC. Iar \u00een perioada urm\u0103toare ar putea avea loc \u00eent\u00e2lniri \u015fi discu\u0163ii \u00eentre bancherii \u015fi reprezentan\u0163ii ANPC pe aceast\u0103 tem\u0103, dup\u0103 cum spun surse apropiate discu\u0163iilor. Cert este c\u0103 dac\u0103 b\u0103ncile contest\u0103 \u00een instan\u0163\u0103 amenzile ANPC solu\u0163ionarea contesta\u0163iilor dureaz\u0103.<\/strong><\/p>\n<hr \/>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Majoritatea bancherilor au r\u0103mas \u00een turnul de filde\u015f \u015fi au preferat s\u0103 tac\u0103 dup\u0103 decizia Autorit\u0103\u0163ii Na\u0163ionale pentru Protec\u0163ia Consumatorilor (ANPC) privind amenzile de 550.000 de lei pentru calculul ratelor. \u2666&nbsp;ING Bank Rom\u00e2nia a transmis c\u0103 a ac\u0163ionat \u015fi ac\u0163ioneaz\u0103 strict cu respectarea cadrului legal, modalit\u0103\u0163ile aplicate de rambursare a creditelor fiind prev\u0103zute de legisla\u0163ia [&hellip;]<\/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":[7343,63,4124,9108,430],"class_list":["post-216071","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-amenzi","tag-anpc","tag-bancheri","tag-decizie","tag-majoritate"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/216071","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=216071"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/216071\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=216071"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=216071"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=216071"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}