{"id":53864,"date":"2012-02-22T14:30:47","date_gmt":"2012-02-22T14:30:47","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=53864"},"modified":"2026-04-03T07:07:11","modified_gmt":"2026-04-03T07:07:11","slug":"cat-recupereaza-bancherii-dintr-un-credit-de-consum-ajuns-in-default","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=53864","title":{"rendered":"C\u00e2t recupereaz\u0103 bancherii dintr-un credit de consum ajuns \u00een \u201edefault\u201c"},"content":{"rendered":"

“Rata LGD (loss given default \u00e2 pierdere estimat\u0103 \u00een caz de ne\u00adperforman\u0163\u0103 – n. red.) pentru creditele de con\u00adsum negarantate cu ipoteci \u015fi pentru cardurile de credit se men\u0163ine cea mai ridicat\u0103 (70%, respectiv 60%), \u00een timp ce pentru creditele imobiliare \u015fi cele de consum garantate cu ipoteci LGD se situeaz\u0103 \u00een jurul valorii de 20%”, spun autorii studiului. Studiul este realizat trimestrial de c\u0103tre banca central\u0103 pe baza unui sondaj la care particip\u0103 principalele zece b\u0103nci de pe pia\u0163\u0103 \u00een func\u0163ie de activitatea de creditare. Comparativ cu toamna trecut\u0103 bancherii estimeaz\u0103 s\u0103 recupereze mai mult din crean\u0163ele aferente creditelor ipotecare, ceea ce \u00eenseamn\u0103 c\u0103 se a\u015fteapt\u0103 s\u0103 ob\u0163in\u0103 un pre\u0163 mai bun \u00een momentul valorific\u0103rii garan\u0163iilor. La sondajul din luna noiembrie, pierderea estimat\u0103 \u00een caz de nerambursare pe segmentul creditelor garantate era de 25-30%.<\/p>\n

Mai multe pe zf.ro<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Bancherii reu\u015fesc s\u0103 recupereze doar 30% din valoarea crean\u0163ei la creditele de consum f\u0103r\u0103 garan\u0163ii la care clien\u0163ii nu mai pl\u0103tesc ratele, restul reprezent\u00e2nd pierdere, conform unui studiu al BNR.<\/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":[4124,9104,23392,11056],"class_list":["post-53864","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bancheri","tag-credit-de-consum","tag-default","tag-financiar"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/53864","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=53864"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/53864\/revisions"}],"predecessor-version":[{"id":70496,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/53864\/revisions\/70496"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=53864"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=53864"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=53864"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}