{"id":22109,"date":"2010-07-26T11:15:00","date_gmt":"2010-07-26T11:15:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=22109"},"modified":"2026-04-02T17:40:06","modified_gmt":"2026-04-02T17:40:06","slug":"clientii-bancilor-vor-putea-sa-si-renegocieze-mai-usor-dobanzile","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=22109","title":{"rendered":"Clientii bancilor vor putea sa-si renegocieze mai usor dobanzile"},"content":{"rendered":"<p>Un client poate invoca actualele conditii de piata pentru a-si<br \/>\nrenegocia dobanda. De pilda, daca in acest moment banca repsectiva<br \/>\nofera credite cu dobanzi formate din EURIBOR plus 5%, iar dobanda<br \/>\nclientului cu pricina este, sa spunem, de 10%, acesta poate cere<br \/>\nmodificarea contractului.<\/p>\n<p>Totusi, &#8220;nu exista o obligatie legala pentru banca sa acorde<br \/>\ntoate creditele la aceleasi dobanzi. Ei fac o oferta, tu o accepti<br \/>\nsau nu. Dar ca tehnica de negociere poti spune: &#8216;De ce altui<br \/>\nclient, intr-o situatie similara cu a mea, ii dati o dobanda mult<br \/>\nmai mica. Vreau si eu aceeasi conditie. Daca nu imi dati asa, pot<br \/>\nsa ma mut la alta banca, iata ce oferta am de la ei&#8217;. Ajuta la<br \/>\nnegociere, dar nu este o obligatie legala&#8221;, a declarat Bogdan<br \/>\nChiritoiu, presedintele Consiliului Concurentei, la videochat-ul<br \/>\nincont.ro.<\/p>\n<p><a href=\n\"http:\/\/www.incont.ro\/banci\/clientii-bancilor-vor-putea-sa-si-renegocieze-mai-usor-dobanzile.html\"\ntarget=\"_blank\">Cititi mai multe<\/a> pe www.incont.ro<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Propunerea Consiliului Concurentei, ca transferul ipotecii sa se faca direct intre banci in cazul unui contract de credit, ii va ajuta pe clienti sa se poata muta mai usor la o alta institutie financiara, dar va crea inclusiv conditiile unei renegocieri a dobanzii.<\/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":[7267,4126,187,11056,12131],"class_list":["post-22109","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-clienti","tag-dobanzi","tag-financiar","tag-renegociere"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/22109","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=22109"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/22109\/revisions"}],"predecessor-version":[{"id":41743,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/22109\/revisions\/41743"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=22109"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=22109"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=22109"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}