{"id":6942,"date":"2019-04-12T10:53:17","date_gmt":"2019-04-12T07:53:17","guid":{"rendered":"https:\/\/businessexpress.ro\/?p=6942"},"modified":"2026-01-03T22:04:10","modified_gmt":"2026-01-03T20:04:10","slug":"ratele-bat-la-usa-si-nu-aveti-bani-iata-cum-puteti-negocia-cu-banca-o-amanare-de-plata","status":"publish","type":"post","link":"https:\/\/businessexpress.ro\/ro\/ratele-bat-la-usa-si-nu-aveti-bani-iata-cum-puteti-negocia-cu-banca-o-amanare-de-plata\/","title":{"rendered":"Ratele bat la u\u0219\u0103 \u0219i nu ave\u021bi bani? Iat\u0103 cum pute\u021bi negocia cu banca o am\u00e2nare de plat\u0103"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Poate de multe ori v-a\u021bi aflat in impas \u0219i nu a\u021bi \u0219tiut cum s\u0103 proceda\u021bi pentru a v\u0103 pl\u0103ti ratele la b\u0103nci. Problema e una ap\u0103s\u0103toare, dar trebuie tratat\u0103 cu mult calm, mai ales c\u0103 exist\u0103 mai multe posibilit\u0103\u021bi prin care pute\u021bi \u00eencerca s\u0103 ob\u021bine\u021bi o am\u00e2nare a pl\u0103\u021bii, p\u00e2n\u0103 la executarea silit\u0103 a imobilului sau a garan\u0163iei acordate de stat. <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"1000\" height=\"500\" data-attachment-id=\"6943\" data-permalink=\"https:\/\/businessexpress.ro\/ro\/ratele-bat-la-usa-si-nu-aveti-bani-iata-cum-puteti-negocia-cu-banca-o-amanare-de-plata\/cc1e7c2d-f488-4d97-ad69-9ee15c819ab5\/\" data-orig-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/CC1E7C2D-F488-4D97-AD69-9EE15C819AB5.jpeg?fit=800%2C400&amp;ssl=1\" data-orig-size=\"800,400\" data-comments-opened=\"0\" data-image-title=\"CC1E7C2D-F488-4D97-AD69-9EE15C819AB5\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/CC1E7C2D-F488-4D97-AD69-9EE15C819AB5.jpeg?fit=1000%2C500&amp;ssl=1\" data-src=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/CC1E7C2D-F488-4D97-AD69-9EE15C819AB5.jpeg?resize=1000%2C500&#038;ssl=1\" alt=\"\" class=\"wp-image-6943 lazyload\" data-srcset=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/CC1E7C2D-F488-4D97-AD69-9EE15C819AB5.jpeg?resize=1024%2C512&amp;ssl=1 1024w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/CC1E7C2D-F488-4D97-AD69-9EE15C819AB5.jpeg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/CC1E7C2D-F488-4D97-AD69-9EE15C819AB5.jpeg?resize=768%2C384&amp;ssl=1 768w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/CC1E7C2D-F488-4D97-AD69-9EE15C819AB5.jpeg?resize=1000%2C500&amp;ssl=1 1000w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/CC1E7C2D-F488-4D97-AD69-9EE15C819AB5.jpeg?w=800&amp;ssl=1 800w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/500;\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Iat\u0103 o serie de recomand\u0103ri venite de la Ministerul Finan\u0163elor pentru situa\u021biile nedorite \u00een care v\u0103 afla\u021bi \u00een imposibilitate de plat\u0103:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Clien\u021bii trebuie s\u0103 contacteze banca \u00een cel mai scurt timp posibil de c\u00e2nd \u00eencep s\u0103 aib\u0103 probleme cu banii pentru a spune ce dificult\u0103\u021bi \u00eent\u00e2mpin\u0103 \u00een achitarea ratelor \u015fi pentru g\u0103sirea unei solu\u0163ii de rezolvare benefic\u0103 pentru ambele p\u0103r\u021bi. Cu toate c\u0103 b\u0103ncile transmit, de regul\u0103, clien\u0163ilor notific\u0103ri \u00een cazul ne\u00eendeplinirii obliga\u0163iei de plat\u0103, se recomand\u0103 ca ace\u0219tia s\u0103 se adreseze institu\u021biilor financiare \u00eenainte de producerea unei asemenea situa\u0163ii. B\u0103ncile pot fi mai deschise s\u0103 discute o solu\u0163ie care s\u0103 fie favorabil\u0103 clien\u0163ilor de vreme ce ei arat\u0103 responsabilitate \u015fi angajament \u00een rambursarea \u00eemprumutului. Discu\u0163iile angajate din timp ofer\u0103 clientului \u015fi bancii ocazia de a ajunge la o solu\u0163ie rapid \u00een scopul evit\u0103rii execut\u0103rii silite. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apoi, Ministerul recomand\u0103 ca banca s\u0103 furnizeze \u00eemprumutatului informa\u0163ii detaliate \u00een scris privind pl\u0103\u0163ile, cuprinz\u00e2nd cel pu\u0163in urm\u0103toarele informa\u0163ii: valoarea total\u0103 a sumelor restante, num\u0103rul de zile de \u00eent\u00e2rziere pentru cea mai veche sum\u0103 datorat\u0103 \u015fi neachitat\u0103, perioada de timp r\u0103mas\u0103 p\u00e2n\u0103 la achitarea integral\u0103 a acesteia \u015fi dac\u0103 se vor ad\u0103uga dob\u00e2nzi sau penalit\u0103\u0163i pentru \u00eent\u00e2rzierea la plat\u0103.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Totodat\u0103, banca va decide \u00eencheierea unui acord extrajudiciar de restructurare a \u00eemprumutului, lu\u00e2nd \u00een considerare natura problemelor financiare prezentate de client \u015fi posibilit\u0103\u0163ile de solu\u0163ionare a acestora \u00een vederea stabilirii unui grafic de rambursare sustenabil \u015fi pe care s\u0103 \u015fi-l poat\u0103 asuma at\u00e2t clientul, c\u00e2t \u015fi banca.&nbsp;Pentru ca evaluarea situa\u021biei financiare s\u0103 fie una corect\u0103, clientul trebuie s\u0103 prezinte onest toate documentele cerute de banc\u0103. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0103r\u0163ile vor discuta, \u00eenainte de luarea m\u0103surilor de executare silit\u0103 a ipotecii \u015fi garan\u0163iilor statului, orice solu\u0163ii posibile de restructurare a \u00eemprumutului.&nbsp; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Planul final de restructurare va fi stabilit pornind de la normele interne ale b\u0103ncii. Dar Ministerul le recomand\u0103 b\u0103ncilor s\u0103 nu se limiteze la acestea. \u015ei sugereaz\u0103 c\u00e2teva solu\u0163ii:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Banca convine cu clientul modificarea scaden\u0163ei sau a sumei de plat\u0103 f\u0103r\u0103 a se dep\u0103\u015fi durata ini\u0163ial\u0103 de acordare a \u00eemprumutului. \u00cemprumutatului i se permite, pentru o anumit\u0103 perioad\u0103, s\u0103 fac\u0103 pl\u0103\u0163i lunare \u00eentr-un cuantum mai mic, urm\u00e2nd ca \u00een perioada urm\u0103toare clientul s\u0103 efectueze pl\u0103\u0163i \u00eentr-un cuantum sporit.\u00a0Aceast\u0103 op\u0163iune de restructurare poate fi utilizat\u0103 \u00een cazul clien\u0163ilor care se confrunt\u0103 cu o reducere temporar\u0103 a veniturilor, \u00eens\u0103, pe termen lung, exist\u0103 perspective de cre\u015ftere a veniturilor, astfel \u00eenc\u00e2t s\u0103 \u00ee\u015fi poat\u0103 executa \u00een continuare obliga\u0163iile rezultate din contractul de \u00eemprumut.<\/li><li>Banca convine cu clientul capitalizarea dob\u00e2nzii sau a restan\u0163elor. Aceast\u0103 op\u0163iune implic\u0103 de regul\u0103 o prelungire a scaden\u0163ei ini\u0163iale a \u00eemprumutului. Aceste modific\u0103ri pot fi utilizate \u00een cazul \u00eemprumuta\u0163ilor care \u00eent\u00e2mpin\u0103 o situa\u0163ie de reducere a veniturilor pe termen lung, dar care \u00ee\u015fi pot \u00eendeplini obliga\u0163iile aferente contactului de \u00eemprumut dac\u0103 ar trebui s\u0103 achite rate cu un nivel mai sc\u0103zut.\u00a0<\/li><li>Banca convine cu clientul o refinan\u0163are a \u00eemprumutului. \u00cen cazul \u00een care clientul \u015fi banca au convenit asupra unei solu\u0163ii de restructurare a \u00eemprumutului, iar clientul respect\u0103 \u00een \u00eentregime termenii \u015fi condi\u0163iile acestui acord, banca nu va ini\u0163ia sau continua (!) ac\u0163iuni judiciare \u00een vederea execut\u0103rii silite a garan\u0163iei ipotecare.\u00a0<\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Banca va asigura confiden\u0163ialitatea tuturor informa\u0163iilor primite de la \u00eemprumutat. Aceste recomand\u0103ri nu afecteaz\u0103 efectele obligatorii ale normelor juridice sau aplicarea lor \u015fi nu instituie un drept al clientului&nbsp;la restructurarea \u00eemprumutului cu garan\u0163ie ipotecar\u0103, potrivit Ministerului Finan\u021belor.<\/p>","protected":false},"excerpt":{"rendered":"<p>Poate de multe ori v-a\u021bi aflat in impas \u0219i nu a\u021bi \u0219tiut cum s\u0103 proceda\u021bi pentru a v\u0103 pl\u0103ti ratele la b\u0103nci. Problema e una ap\u0103s\u0103toare, dar trebuie tratat\u0103 cu mult calm, mai ales c\u0103 exist\u0103 mai multe posibilit\u0103\u021bi prin care pute\u021bi \u00eencerca s\u0103 ob\u021bine\u021bi o am\u00e2nare a pl\u0103\u021bii, p\u00e2n\u0103 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6943,"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-6942","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-1NY","jetpack_featured_media_url":"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/CC1E7C2D-F488-4D97-AD69-9EE15C819AB5.jpeg?fit=800%2C400&ssl=1","_links":{"self":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/6942","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=6942"}],"version-history":[{"count":4,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/6942\/revisions"}],"predecessor-version":[{"id":6947,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/6942\/revisions\/6947"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media\/6943"}],"wp:attachment":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media?parent=6942"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/categories?post=6942"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/tags?post=6942"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}