{"id":860265,"date":"2025-10-31T00:00:00","date_gmt":"2025-10-30T21:00:00","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=860265"},"modified":"2025-10-31T00:00:00","modified_gmt":"2025-10-30T21:00:00","slug":"reguli-noi-pentru-creditare","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=860265","title":{"rendered":"REGULI NOI PENTRU CREDITARE"},"content":{"rendered":"<div class=\"td-post-content\">\n<div class=\"td-post-featured-image\"><a href=\"https:\/\/analyse.optim.biz\/wp-content\/uploads\/2025\/12\/credite-1.jpg\" data-caption><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"300\" class=\"entry-thumb td-modal-image\" src=\"https:\/\/analyse.optim.biz\/wp-content\/uploads\/2025\/12\/credite-1.jpg\" title=\"credite\"><\/a><\/div>\n<p>Rom\u00e2nii care iau credite de nevoi personale ar putea fi mai bine proteja\u021bi de lege. Ministerul Economiei a preg\u0103tit un proiect ce transpune o directiv\u0103 european\u0103 \u0219i aduce reguli noi pentru creditare.<\/p>\n<p>Legea le va da clien\u021bilor dreptul s\u0103 renun\u021be la \u00eemprumut \u00een 14 zile ori s\u0103 \u00eel ramburseze mai devreme, f\u0103r\u0103 costuri ascunse. Singura obliga\u0163ie a debitorului va fi returnarea sumei \u00eemprumutate.<\/p>\n<p>\u00cen plus, noul proiect de lege le ofer\u0103 consumatorilor mai mult\u0103 libertate \u0219i protec\u021bie \u00een rela\u021bia cu b\u0103ncile.<\/p>\n<p>Documentul prevede ca b\u0103ncile \u015fi institu\u0163iile financiare nebancare s\u0103 evalueze atent situa\u0163ia financiar\u0103 a clien\u0163ilor \u00eenainte de acordarea creditului, pentru a verifica sustenabilitatea \u00eemprumutului. Totodat\u0103, gradul maxim de \u00eendatorare nu va putea dep\u0103\u015fi 40% din venituri.<\/p>\n<p>Protec\u021bie va fi \u0219i \u00een cazul \u00een care \u00eent\u00e2mpini dificult\u0103\u021bi financiare, de exemplu, nu mai po\u021bi s\u0103 pl\u0103te\u0219ti rata. Banca trebuie s\u0103 vin\u0103 s\u0103 \u00ee\u021bi recomande consiliere financiar\u0103 \u0219i s\u0103 nu recurg\u0103 imediat la executare silit\u0103 sau s\u0103 v\u00e2nd\u0103 creditul imediat. Chiar \u0219i \u00een cazul \u00een care creditul este v\u00e2ndut trebuie s\u0103 fii notificat, iar condi\u021biile creditului nu trebuie s\u0103 se schimbe, s\u0103 nu ai alte comisioane \u0219i s\u0103 nu pl\u0103te\u0219ti nimic altceva \u00een plus.<\/p>\n<p>Reclamele care promoveaz\u0103 \u00eemprumuturile u\u0219or de ob\u021binut sau care \u00eencurajeaz\u0103 supra\u00eendatorarea vor fi interzise.<\/p>\n<p>Rom\u00e2nii vor putea s\u0103-\u0219i achite creditul mai devreme, f\u0103r\u0103 costuri ascunse, iar banca va trebui s\u0103 reduc\u0103 dob\u00e2nzile \u0219i comisioanele aferente perioadei r\u0103mase.<\/p>\n<p>De asemenea, toate comisioanele vor trebui prezentate transparent \u00een contract, pentru a elimina practicile abuzive \u015fi a asigura o informare complet\u0103 a clien\u0163ilor.<\/p>\n<p>Proiectul de lege se afl\u0103, deocamdat\u0103, \u00een dezbatere public\u0103.<\/p>\n<p>\u00a0<\/p>\n<\/div>\n<p> Source URL: https:\/\/newss.ro\/2025\/10\/31\/reguli-noi-pentru-creditare\/<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rom\u00e2nii care iau credite de nevoi personale ar putea fi mai bine proteja\u021bi de lege. Ministerul Economiei a preg\u0103tit un proiect ce transpune o directiv\u0103 european\u0103 \u0219i aduce reguli noi pentru creditare. Legea le va da clien\u021bilor dreptul s\u0103 renun\u021be la \u00eemprumut \u00een 14 zile ori s\u0103 \u00eel ramburseze mai devreme, f\u0103r\u0103 costuri ascunse. Singura [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":860266,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[73],"class_list":["post-860265","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politics","tag-newss-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/860265","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=860265"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/860265\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/media\/860266"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=860265"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=860265"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=860265"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}