{"id":6172,"date":"2019-03-27T08:52:43","date_gmt":"2019-03-27T06:52:43","guid":{"rendered":"https:\/\/businessexpress.ro\/?p=6172"},"modified":"2026-01-03T22:04:49","modified_gmt":"2026-01-03T20:04:49","slug":"noua-forma-a-ordonantei-lacomiei-a-fost-publicata-ce-modificari-aduce","status":"publish","type":"post","link":"https:\/\/businessexpress.ro\/ro\/noua-forma-a-ordonantei-lacomiei-a-fost-publicata-ce-modificari-aduce\/","title":{"rendered":"Noua form\u0103 a Ordonan\u021bei l\u0103comiei a fost publicat\u0103. Ce modific\u0103ri aduce"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Ministerul Finan\u0163elor a publicat proiectul de modificare a ordonan\u021bei l\u0103comiei, cea care a st\u00e2rnit nemul\u021bumiri din toate p\u0103r\u021bile. Potrivit documentului, Guvernul introduce o nou\u0103 referint\u0103 pentru creditele noi \u00een lei \u0219i schimb\u0103 modul de calcul al taxei pe activele bancare. Taxa nu va mai avea leg\u0103tur\u0103 cu nivelul ROBOR, ci va fi una fix\u0103. Aceasta se va reduce de la 1,2% pe an din activele financiare la 0,2% pentru b\u0103ncile cu o cot\u0103 de pia\u021b\u0103 de sub 1% \u0219i la 0,4% pentru cele cu o cot\u0103 de pia\u021b\u0103 de peste 1%.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"729\" height=\"500\" data-attachment-id=\"6029\" data-permalink=\"https:\/\/businessexpress.ro\/ro\/oug-114-ajunge-pe-masa-premierului-teodorovici-modificarile-nu-o-sa-i-multumeasca-pe-toti\/6565510c-372e-4d8c-90d4-29c1f007f9f3\/\" data-orig-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/6565510C-372E-4D8C-90D4-29C1F007F9F3.jpeg?fit=729%2C500&amp;ssl=1\" data-orig-size=\"729,500\" data-comments-opened=\"0\" data-image-title=\"6565510C-372E-4D8C-90D4-29C1F007F9F3\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/6565510C-372E-4D8C-90D4-29C1F007F9F3.jpeg?fit=729%2C500&amp;ssl=1\" data-src=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/6565510C-372E-4D8C-90D4-29C1F007F9F3.jpeg?resize=729%2C500&#038;ssl=1\" alt=\"\" class=\"wp-image-6029 lazyload\" data-srcset=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/6565510C-372E-4D8C-90D4-29C1F007F9F3.jpeg?w=729&amp;ssl=1 729w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/6565510C-372E-4D8C-90D4-29C1F007F9F3.jpeg?resize=300%2C206&amp;ssl=1 300w\" data-sizes=\"(max-width: 729px) 100vw, 729px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 729px; --smush-placeholder-aspect-ratio: 729\/500;\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Guvernul modific\u0103 \u0219i OUG 50\/2010 privind creditele pentru consumatori \u0219i OUG 52\/2016 privind creditele ipotecare. \u00cen plus, a fost introdus un nou mod de calcul al referin\u021bei pentru creditele \u00een lei. Astfel, creditele \u00een moned\u0103 na\u021bional\u0103 nu se vor mai raporta la ROBOR, ci la un indice de referin\u021b\u0103 calculat pe baza tranzac\u021biilor efective \u2013 aproape \u00een totalitate tranzac\u021bii pe termen scurt \u2013 ce va fi calculat de c\u0103tre BNR trimestrial.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Potrivit noului draft de proiect, b\u0103ncile \u201epot reduce marja \u0219i\/sau aplica un nivel mai redus al indicelui de referin\u021b\u0103, av\u00e2nd dreptul ca, pe parcursul derul\u0103rii contractului, s\u0103 revin\u0103 la valoarea marjei men\u021bionate \u00een contract la data \u00eencheierii acestuia \u0219i\/sau la nivelul indicelui de referin\u021b\u0103\u201d.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ini\u021bial, ministrul Finan\u021belor a afirmat contrariul si anume c\u0103 b\u0103ncile vor fi obligate s\u0103 modifice \u0219i contractele \u00een derulare. Prevederile privind indicatorul dob\u00e2nzilor la creditele \u00een lei intr\u0103 \u00een vigoare \u00eencep\u00e2nd cu 2 mai. \u00cen ultimul deceniu, diferen\u021ba dintre ROBOR la 3 luni \u0219i media trimestrial\u0103 a ratei dob\u00e2nzii tranzac\u021biilor interbancare a variat \u00eentre 0,3 \u0219i 3 puncte procentuale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Guvernul a decis s\u0103 am\u00e2ne p\u00e2n\u0103 la 31 mai termenul p\u00e2n\u0103 c\u00e2nd  administratorii fondurilor de pensii private de la Pilonul II erau obliga\u021bi s\u0103 \u00ee\u0219i majoreze capitalul social. Am\u00e2narea este \u00een str\u00e2ns\u0103 leg\u0103tur\u0103 cu anun\u021bul mai multor societ\u0103\u021bi, care au spus c\u0103 inten\u021bioneaz\u0103 s\u0103 se retrag\u0103. Unul dintre motive este acela c\u0103 administratorii Pilonului II au considerat cerin\u021bele pentru majorarea capitalului ca fiind unele exagerate. <\/p>","protected":false},"excerpt":{"rendered":"<p>Ministerul Finan\u0163elor a publicat proiectul de modificare a ordonan\u021bei l\u0103comiei, cea care a st\u00e2rnit nemul\u021bumiri din toate p\u0103r\u021bile. Potrivit documentului, Guvernul introduce o nou\u0103 referint\u0103 pentru creditele noi \u00een lei \u0219i schimb\u0103 modul de calcul al taxei pe activele bancare. Taxa nu va mai avea leg\u0103tur\u0103 cu nivelul ROBOR, ci [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6029,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"wpzoom_is_breaking":1,"source_url":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[9,17],"tags":[],"class_list":["post-6172","post","type-post","status-publish","format-standard","has-post-thumbnail","category-actual","category-economic"],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paH2fj-1By","jetpack_featured_media_url":"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/6565510C-372E-4D8C-90D4-29C1F007F9F3.jpeg?fit=729%2C500&ssl=1","_links":{"self":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/6172","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/comments?post=6172"}],"version-history":[{"count":2,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/6172\/revisions"}],"predecessor-version":[{"id":6176,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/6172\/revisions\/6176"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media\/6029"}],"wp:attachment":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media?parent=6172"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/categories?post=6172"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/tags?post=6172"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}