{"id":96409,"date":"2013-06-18T18:14:49","date_gmt":"2013-06-18T18:14:49","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=96409"},"modified":"2013-06-18T18:14:49","modified_gmt":"2013-06-18T18:14:49","slug":"dobanzile-mai-mici-si-lipsa-comisioanelor-incurajeaza-imprumuturile-de-la-car-uri","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=96409","title":{"rendered":"Dob\u00e2nzile mai mici \u015fi lipsa comisioanelor \u00eencurajeaz\u0103 \u00eemprumuturile de la CAR-uri"},"content":{"rendered":"<p>\nNum\u0103rul \u015fi valoarea creditelor acordate de casele de ajutor re\u00adciproc (CAR) au crescut \u00een ultimii ani, rom\u00e2nii fiind atra\u015fi de do\u00adb\u00e2nzile mai mici la credite care \u00eencep de la 6-7% pe an, de lip\u00adsa comi\u00adsioa\u00adnelor, dar \u015fi de fle\u00adxibilitatea acord\u0103rii de \u00eemprumuturi.<\/p>\n<p>\nTotu\u015fi ponderea acestora pe pia\u0163a creditelor r\u0103m\u00e2ne foarte mic\u0103.<\/p>\n<p>\n\u201eInstitu\u0163iile finan\u00adcia\u00adre nebancare reprezint\u0103 pu\u0163in din toat\u0103 pia\u0163a cre\u00additelor. Aproxi\u00adma\u00adtiv 90% din pia\u0163\u0103 este aco\u00adperit\u0103 de b\u0103nci, iar restul de 10% de institu\u0163ii fi\u00adnan\u00adciare ne\u00adban\u00adcare (IFN). Iar din acest 10%, 2-3% reprezint\u0103 CAR-uri\u00adle, at\u00e2t cele pentru sa\u00adla\u00adria\u0163i, c\u00e2t \u015fi pentru pen\u00adsionari\u201c, a de\u00adclarat Florin Simion, direc\u00adtorul exe\u00adcutiv al Federa\u0163iei Case\u00adlor de Ajutor Reciproc (FEDCAR) \u00een cadrul lans\u0103rii lu\u00adcr\u0103rii \u201eO cronologie a Caselor de Ajutor Reciproc\u201c, care \u00eel are ca autor pe Cristian Florin Bota.<\/p>\n<p>\n\u00cen Rom\u00e2nia sunt \u00een prezent apro\u00adxi\u00adma\u00adtiv 3.000 de case de ajutor reciproc, at\u00e2t pentru salaria\u0163i, dar \u015fi pentru pen\u00adsionari, dup\u0103 ce la \u00eenceputul anilor \u201990 nu\u00adm\u0103rul CAR-urilor pentru salaria\u0163i dep\u0103\u015fea 6.000.<\/p>\n<p>\n\u201eScade din p\u0103cate num\u0103rul de case de ajutor reciproc, fie pentru c\u0103 se unesc, fie dintr-o lips\u0103 de coeren\u0163\u0103 a acti\u00advit\u0103\u0163ii, pentru c\u0103 legisla\u0163ia este \u00een con\u00adtinuare dep\u0103\u015fit\u0103, dar \u015fi pentru c\u0103 ast\u00adfel de institu\u0163ii nu au avut o pro\u00admo\u00advare foarte bun\u0103\u201c, mai spune Simion.<\/p>\n<p>\n<a href=\"http:\/\/zf.ro\" target=\"_blank\">Alte stiri pe zf.ro<\/a><\/p>\n<div>\n<div>\n<p>\n&nbsp;<\/p>\n<\/div>\n<\/div>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Num\u0103rul \u015fi valoarea creditelor acordate de casele de ajutor re\u00adciproc (CAR) au crescut \u00een ultimii ani, rom\u00e2nii fiind atra\u015fi de do\u00adb\u00e2nzile mai mici la credite care \u00eencep de la 6-7% pe an, de lip\u00adsa comi\u00adsioa\u00adnelor, dar \u015fi de fle\u00adxibilitatea acord\u0103rii de \u00eemprumuturi.<\/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":[9748,485,187,183,31456],"class_list":["post-96409","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-comisioane","tag-credite","tag-dobanzi","tag-imprumut","tag-incurajare"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/96409","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=96409"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/96409\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=96409"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=96409"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=96409"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}