{"id":96735,"date":"2013-06-26T15:22:00","date_gmt":"2013-06-26T15:22:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=96735"},"modified":"2013-06-26T15:22:00","modified_gmt":"2013-06-26T15:22:00","slug":"cum-imprumuti-10-000-de-euro-cu-10-dobanda-fara-sa-apelezi-la-banci-la-noi-vin-cei-care-vor-un-logan","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=96735","title":{"rendered":"Cum \u00eemprumu\u0163i 10.000 de euro cu 10% dob\u00e2nd\u0103 f\u0103r\u0103 s\u0103 apelezi la b\u0103nci: &#8220;La noi vin cei care vor un Logan\u201c"},"content":{"rendered":"<p>\nCasele de ajutor reciproc (CAR) au \u00eenceput s\u0103 fie utilizate mai mult ca institu\u0163ii de economisire dec\u00e2t institu\u0163ii de creditare \u00een criz\u0103, \u00een condi\u0163iile \u00een care persoanele fizice ezit\u0103 s\u0103 se \u00eendatoreze chiar dac\u0103 se calific\u0103 s\u0103 ia un \u00eemprumut semnificativ mai ieftin fa\u0163\u0103 de un credit bancar. CAR-urile din Rom\u00e2\u00adnia au circa un milion de membri, majoritatea cu venituri medii. Num\u0103rul total al CAR-urilor este de circa 1.300. CAR-urile acord\u0103 doar \u00eemprumuturi \u00een lei, astfel c\u0103 debitorii sunt proteja\u0163i \u00een fa\u0163a riscului valutar. Un membru cu un salariu lunar de 2.000 de lei se poate califica la un credit cu o rat\u0103 lunar\u0103 de circa 700 de lei.&nbsp;Dob\u00e2nzile la creditele acordate de CAR-uri variaz\u0103 \u00eentre 10% \u015fi 18% pe an, dar c\u0103 o persoan\u0103 care de\u0163ine economii la o astfel de institu\u0163ie se poate califica pentru un \u00eemprumut mai ieftin.&nbsp;<\/p>\n<p>\nRata de neperforman\u0163\u0103 este de 11% \u00een cazul creditelor acordate de CAR-uri, fa\u0163\u0103 de 19% \u00een cazul portofoliilor b\u0103ncilor.<\/p>\n<hr \/>\n<p>\n<a href=\"http:\/\/www.zfcorporate.ro\/banci-asigurari\/florin-simion-directorul-federatiei-caselor-de-ajutor-reciproc-din-roma-nia-dobanzile-platite-de-car-uri-la-depozite-ajung-pana-la-11-dublu-fata-de-banci-11022163\" style=\"font-family: Arial, Helvetica, sans-serif;\"><span style=\"font-size: 16px;\">Citi\u0163i articolul integral pe www.zfcorporate.ro<\/span><\/a><\/p>\n<div>\n<div style=\"margin: 0px; padding: 0px; color: rgb(15, 15, 15); font-family: Arial, Helvetica, sans-serif;\">\n<div style=\"margin: 0px; padding: 0px;\">\n<strong>Acest articol a ap\u0103rut \u00een edi\u0163ia tiparit\u0103 a Ziarului Financiar din data de 26.06.2013<\/strong><\/div>\n<div style=\"margin: 0px; padding: 0px;\">\n&nbsp;<\/div>\n<div style=\"margin: 0px; padding: 0px;\">\n<strong>ZF Corporate este serviciul specializat de \u015ftiri cu plat\u0103 al Ziarului Financiar. Pentru a putea citi aceste \u015ftiri trebuie s\u0103 v\u0103 abona\u0163i la ZF Corporate sau la unul din cele 12 fluxuri ale sale, profilate pe sectoare de activitate (B\u0103nci, Retail, Imobiliare \u015fi altele).&nbsp;<span style=\"color: rgb(128, 0, 0);\">Detalii de abonare la ZF Corporate: Alexandru Matei (tel. fix: 0318.256.286, tel. mobil: 0766.606.994) sau trimite\u0163i un email cu datele dumneavoastr\u0103 de contact prin care solicita\u0163i informa\u0163ii \u015fi abonare la adresa alexandru.matei@zf.ro sau stefan.paraschiv@m.ro. Ve\u0163i fi contactat \u00een maximum o or\u0103.<\/span><\/strong><\/div>\n<\/div>\n<\/div>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Sunt ni\u015fte institu\u0163ii financiare necesare. Vorbim de o alt\u0103 adresabilitate dec\u00e2t cea a b\u0103ncilor, de alt public \u0163int\u0103. La CAR nu vin cei care vor s\u0103-\u015fi cumpere un Mercedes, ci cei care vor un Logan\u201c, a declarat Florin Simion, directorul executiv al federa\u0163iei caselor de ajutor reciproc din Rom\u00e2\u00adnia (FEDCAR), \u00een cadrul emisiunii Ziarul Financiar Live.<\/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":[7267,7458,11056,76,8152],"class_list":["post-96735","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-dobanda","tag-financiar","tag-institutii","tag-logan"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/96735","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=96735"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/96735\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=96735"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=96735"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=96735"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}