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B?ncile m?resc in lan? dobanzile

B?ncile m?resc in lan? dobanzile

Noile reglement?ri ale BNR privind imprumuturile acordate de b?nci incep s? i?i arate col?ii. Primul pas f?cut este c? majoritatea b?ncilor au renun?at la dobanzile promo?ionale, printre ele num?randu-se Bancpost ?i ABN Amro (recent intrat? sub tutela Royal Bank of Scotland).

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Pan? acum, b?ncile ocoleau gradul maxim de

indatorare calculand ratele ?i suma ce poate fi dat? imprumut clien?ilor pe

baza dobanzii promo?ionale, acordat? pe o perioad? de ?ase luni pan? la un an,

care era mai mic? decat cea practicat? de banc? pan? la sfar?itul perioadei de

rambursare.

 

Dobanzile variabile vor urca cu pan? la 2%

la creditele acordate

 

Panica din sistemul bancar global, care a

dus sim?itor la cre?terea dobanzilor la creditele acordate de b?nci clien?ilor,

nu a ocolit Romania. Astfel, aproape toate b?ncile prezente pe pia?a local? au

anun?at m?rirea dobanzilor la creditele ce urmeaz? s? fie acordate dup? noile

norme ale BNR, conform brokerilor de credite.

 

Exemplele sunt multe, printre acestea

num?randu-se Volksbank, care a ridicat cu 0,75% dobanda la creditele in euro,

Banca Transilvania, care a m?rit dobanzile la credite cu 1,2%, Alpha Bank, care

percepe o doband? cu 1% mai mare la creditele de nevoi personale in lei ?i

0,25% in plus la cele in euro ?i Bancpost care a ridicat dobanda variabil? cu

2%.

 

Ob?inerea unui credit acum, cand noile

norme sunt deja in vigoare, este ingreunat? ?i de modificarea criteriilor de

acordare. Astfel, Bancpost a anun?at deja c? nu vor mai fi acceptate veniturile

ob?inute din chirii, din pensii sau din indemniza?iile de cre?tere de copil.

Banca precizeaz? c? exist? ?i o categorie de venituri care vor fi tratate cu

aten?ie, la care nu se vor accepta niciun fel de derog?ri iar suspiciunea

privind existen?a lor real? va duce la respingerea lor.

 

Printre acestea se num?r? cre?terile de

salarii mai recente de ?ase luni, drepturile de autor, veniturile ob?inute pe

baza unui contract de agent de asigur?ri, dividendele ?i diurnele. ?i in ceea

ce prive?te tipul de garan?ii acceptate s-au f?cut modific?ri, Bancpost

anun?and c? nu va mai accepta drept garan?ie terenurile, cu excep?ia celor

intravilane din ora?ele de re?edin?? de jude? sau imobilele dobandite prin

dona?ie.

 

Creditul in franci elve?ieni, pe cale de

dispari?ie

 

Dup? cum estimaser? de acum cateva

s?pt?mani unii brokeri de credite, imprumuturile in francii elve?ieni sunt pe

cale de dispari?ie, noile norme aducand costurile unui credit in franci la un

nivel similar cu cele in euro. Astfel, in timp ce Volksbank a anun?at blocarea

acord?rii creditelor in franci elve?ieni, Credit Europe a renun?at complet la

acest tip de credite, iar Raiffeisen Bank va majora dobanzile la imprumuturile

in franci elve?ieni pan? la nivelul celor in euro.

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Sursa: Business24
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