\nAutoritatea Na\u0163ional\u0103 pentru Protec\u0163ia Consumatorilor (ANPC) anun\u0163\u0103 c\u0103 a demarat o ampl\u0103 campanie de control detaliat a operatorilor economici din sistemul bancar, privind contractele de credit.<\/p>\n
\nIni\u0163ial vor fi verificate contractele de \u00eemprumut emise \u00een perioada 2004-2010, p\u00e2n\u0103 la intrarea \u00een vigoare a Ordona\u0163ei de Urgen\u0163\u0103 50\/2010, urm\u00e2nd ca, \u00een etapele ulterioare, s\u0103 fie verificate celelalte contracte de credit, spun reprezentan\u0163ii ANPC.<\/p>\n
\nPotrivit acestora, actuala tematic\u0103 na\u0163ional\u0103 de control urm\u0103re\u015fte, \u00een principal, verificarea modalit\u0103\u0163ii prin care b\u0103ncile au realizat publicitatea contractelor de credit, cu cercetarea tuturor formelor de publicitate, a felului \u00een care acestea au \u00eencheiat contractele de credit \u015fi au acordat \u015fi derulat creditele, cu respectarea prevederilor legale \u015fi a celor specifice activit\u0103\u0163ii, a celei de informare privind riscurile specifice asociate contractelor de credit care pot conduce la afectarea posibilit\u0103\u0163ii de plat\u0103, a respect\u0103rii prevederilor legale \u00een cazul elementelor de cost ale creditului (dob\u00e2nzi, comisioane etc.) \u015fi a combaterii practicilor incorecte ale comercian\u0163ilor \u00een rela\u0163ia cu consumatorii, f\u0103r\u0103 a se limita la acestea.<\/p>\n
\nAceste controale vin dupa ce Autoritatea Na\u0163ional\u0103 pentru Protec\u0163ia Consumatorilor (ANPC) a anun\u0163at \u00een luna mai c\u0103 a amendat 19 b\u0103nci, acuz\u00e2nd institu\u0163iile bancare de practici \u00een\u015fel\u0103toare de calcul al ratelor, dup\u0103 ce a verificat modul \u00een care b\u0103ncile pun \u00een practic\u0103 contractele de creditare pe termen mediu \u015fi lung, cu termen de rambursare de peste 10 ani.<\/p>\n
\nUnele b\u0103nci sanc\u0163ionate de ANPC, precum Raiffeisen Bank Rom\u00e2nia, BRD, Banca Transilvania \u015fi Alpha Bank au ob\u0163inut deja in instan\u0163\u0103 suspendarea ordinului emis de ANPC cu privire la modul de calcul al ratelor de credit.<\/p>\n
\nInitial, ANPC a transmis ca amendat \u00een luna mai un num\u0103r de 11 b\u0103nci cu 550.000 de lei, acuz\u00e2nd institu\u0163iile bancare de practici \u00een\u015fel\u0103toare de calcul al ratelor, dup\u0103 ce a verificat modul \u00een care b\u0103ncile pun \u00een practic\u0103 contractele de creditare pe termen mediu \u015fi lung, cu termen de rambursare de peste 10 ani, c\u0103tre consumatorul-persoan\u0103 fizic\u0103, \u00een lei sau valut\u0103.<\/p>\n
\nPotrivit ANPC, cei 11 operatori economici sunt ING Bank, First Bank, Credite Europe Bank, OTP Bank, Alpha Bank, Banca Transilvania, Raiffeisen Bank, BCR, Patria Bank, UniCredit Bank \u015fi BRD.<\/p>\n
\nApoi au urmat 8 operatori economici sanc\u0163iona\u0163i de ANPC respectiv Exim Banca Rom\u00e2neasc\u0103, Procredit Bank, Intesa Sanpaolo, Techventures Bank (fosta Banca Comercial\u0103 Feroviar\u0103), Libra Bank, CEC Bank, Garanti Bank \u015fi Vista Bank.<\/p>\n
\nAsocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor (ARB) \u015fi Consiliul Patronatelor Bancare din Rom\u00e2nia (CPBR) au reac\u0163ionat la sanc\u0163iunile ANPC \u00eempotriva b\u0103ncilor sus\u0163in\u00e2nd c\u0103 rambursarea creditelor se poate face prin rate egale sau prin rate descresc\u0103toare, iar clientul poate alege. Iar prin for\u0163area consumatorilor s\u0103 foloseasc\u0103 plata \u00een rate egale a principalului \u015fi a dob\u00e2nzii, capacitatea lor de a accesa un credit ipotecar scade semnificativ, au mai spus ARB \u015fi CPBR. Ulterior, ARB a revenit cu o nou\u0103 reac\u0163ie, sus\u0163in\u00e2nd c\u0103 se al\u0103tur\u0103 demersurilor b\u0103ncilor de contestare a proceselor verbale de contraven\u0163ie decise de ANPC \u015fi analizeaz\u0103 p\u00e2rghiile legale \u201epentru corectarea acestei nedrept\u0103\u0163i \u015fi tragerea la r\u0103spundere a celor responsabili\u00ec.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Autoritatea Na\u0163ional\u0103 pentru Protec\u0163ia Consumatorilor (ANPC) anun\u0163\u0103 c\u0103 a demarat o ampl\u0103 campanie de control detaliat a operatorilor economici din sistemul bancar, privind contractele de credit. Ini\u0163ial vor fi verificate contractele de \u00eemprumut emise \u00een perioada 2004-2010, p\u00e2n\u0103 la intrarea \u00een vigoare a Ordona\u0163ei de Urgen\u0163\u0103 50\/2010, urm\u00e2nd ca, \u00een etapele ulterioare, s\u0103 fie verificate […]<\/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":[63,16199,55371,7267,5238,10100],"class_list":["post-218438","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-anpc","tag-anunt","tag-autoritatea-nationala-pentru-protectia-consumatorilor","tag-banci","tag-consumatori","tag-control"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/218438","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=218438"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/218438\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=218438"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=218438"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=218438"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}