{"id":48612,"date":"2011-06-17T15:08:39","date_gmt":"2011-06-17T15:08:39","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=48612"},"modified":"2026-04-02T20:46:28","modified_gmt":"2026-04-02T20:46:28","slug":"bnr-vrea-noi-reguli-pentru-creditul-de-consum-si-imprumuturile-imobiliare-in-euro","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=48612","title":{"rendered":"BNR vrea noi reguli pentru creditul de consum si imprumuturile imobiliare in euro"},"content":{"rendered":"<p>BNR doreste sa delimiteze clar aria de definire a creditelor<br \/>\nimobiliare, care va cuprinde finantarile pentru care se constituie<br \/>\ngarantie imobiliara si sunt destinate exclusiv cumpararii unui<br \/>\nimobil (casa\/teren), construirii unui imobil, sau<br \/>\namenajarii\/extinderii unei locuinte.<\/p>\n<p>Creditele de consum cu ipoteca vor fi tratate la fel ca orice<br \/>\nalt credit de consum.In cazul creditelor de consum pentru<br \/>\ncumpararea de bunuri, clientul trebuie sa dispuna de un avans de<br \/>\n20% din valoarea bunului achizitionat si o garqantie reala (in<br \/>\ngeneral ipotecara) sau personala (de exemplu polita de asigurare)<br \/>\nde 133% din suma imprumutata.<\/p>\n<p><a href=\n\"http:\/\/www.mediafax.ro\/economic\/exclusiv-bnr-vrea-noi-reguli-pentru-creditul-de-consum-si-imprumuturile-imobiliare-in-euro-8353275\"\ntarget=\"_blank\">Cititi mai multe<\/a> pe www.mediafax.ro<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Creditele de consum ar putea avea o scadenta de cel mult cinci ani, iar clientii trebuie sa aduca garantii de 133% din valoarea imprumutata, in timp ce la imprumuturile imobiliare in euro avansul va fi de cel putin 30%, potrivit unui proiect de regulament elaborat de BNR. Astfel, banca centrala are in vedere limitarea maturitatilor la creditele de consum la cel mult cinci ani, fata de 20 de ani perioada maxima practicata in prezent pe piata bancara pentru creditele de nevoi personale cu ipoteca.<\/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":[185,9817,485,7631],"class_list":["post-48612","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bnr","tag-consum","tag-credite","tag-imprumuturi"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/48612","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=48612"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/48612\/revisions"}],"predecessor-version":[{"id":65801,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/48612\/revisions\/65801"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=48612"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=48612"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=48612"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}