{"id":46566,"date":"2011-03-22T18:48:23","date_gmt":"2011-03-22T18:48:23","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=46566"},"modified":"2026-04-02T19:53:30","modified_gmt":"2026-04-02T19:53:30","slug":"bancile-vor-dobanzi-si-avansuri-mai-mari-la-prima-casa-daca-scade-la-jumatate-garantia-statului","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=46566","title":{"rendered":"Bancile vor dobanzi si avansuri mai mari la Prima Casa daca scade la jumatate garantia statului"},"content":{"rendered":"<p>&#8220;Trebuie ca in urmatoarea saptamana sa se discute cu BNR ce<br \/>\nsistem de provizionare va fi acceptat in cazul reducerii la<br \/>\njumatate a garantiei statului si cum va fi inregistrata ipoteca,<br \/>\nprecum si avansul minim acceptat, pentru ca banca centrala a<br \/>\naprobat norme de prudentialitate pentru fiecare banca in parte. BNR<br \/>\na facut oricum derogare de la norme in programul Prima Casa, dar<br \/>\ncreditul era acoperit 100% de garantia statului. Acum s-ar putea sa<br \/>\nnu mai fie de acord cu un avans minim de numai 5%&#8221;, au declarat<br \/>\npentru MEDIAFAX surse bancare. Bancile au ridicat problema modului<br \/>\nde tratare a garantiei ipotecare constituite de clienti, care va fi<br \/>\nscriptic impartita intre institutiile de credit si stat, dar<br \/>\nexecutarea va functiona, cel mai probabil, pe principiul creantei<br \/>\nbugetare, intrucat procedurile sunt mult mai rapide. In cazul<br \/>\nbancilor, executarea unor garantii se poate prelungi pe perioade<br \/>\nchiar mai lungi de doi ani.<\/p>\n<p><a href=\n\"http:\/\/www.mediafax.ro\/economic\/bancile-vor-dobanzi-si-avansuri-mai-mari-la-prima-casa-daca-scade-la-jumatate-garantia-statului-8087161\/\"\ntarget=\"_blank\">Cititi mai multe pe www.mediafax.ro<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nivelul dobanzii, avansul, modul de provizionare, comisioanele platite deja Fondului de Garantare si constituirea ipotecii sunt principalele probleme tehnice ridicate de banci in cazul diminuarii la jumatate a garantiei statului in programul Prima Casa, iar Guvernul vrea o solutie intr-o saptamana.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[511],"tags":[21697,7267,187,14547,12242,9302],"class_list":["post-46566","post","type-post","status-publish","format-standard","hentry","category-afaceri","tag-avansuri","tag-banci","tag-dobanzi","tag-garantie","tag-prima-casa","tag-stat"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/46566","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=46566"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/46566\/revisions"}],"predecessor-version":[{"id":63926,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/46566\/revisions\/63926"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=46566"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=46566"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=46566"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}