Uniunea European\u0103 adopt\u0103 noi reglement\u0103ri pentru credite imobiliare mai sigure <\/b><\/p>\n
Mini\u015ftrii europeni de finan\u0163e au adoptat, \u00een cadrul Consiliului Afaceri Economice \u015fi Financiare al Uniunii Europene, o directiv\u0103 care vizeaz\u0103 reglementarea mai bun\u0103 a creditelor ipotecare \u015fi o evitare a crizelor provocate de bulele imobiliare.<\/p>\n
Noua directiv\u0103 vizeaz\u0103 introducerea unui nivel \u00eenalt de protec\u0163ie, comb\u0103t\u00e2nd comportamentele iresponsabile ale solicitan\u0163ilor de credite \u015fi ale creditorilor care, \u00een contextul actual al crizei financiare, au contribuit la o cre\u015ftere, \u00een \u00eentreaga Uniune European\u0103, a num\u0103rului \u00eemprumuturilor nerambursabile, \u00eencet\u0103rilor de plat\u0103 \u015fi confisc\u0103rilor de bunuri ipotecare.<\/p>\n
Comisia European\u0103 a propus aceste m\u0103suri \u00een martie 2011 pentru consumatorii europeni care vor s\u0103 cumpere o locuin\u0163\u0103 prin credit. Ace\u0219tia trebuie s\u0103 fie mai bine informa\u0163i vizavi de riscuri, dup\u0103 criza creditelor ipotecare de risc ridicat acordate de b\u0103ncile americane, a\u015fa-numitele credite ‘subprime’, care s-au aflat la originea crizei financiare mondiale.<\/p>\n
Textul adoptat de Consiliul ECOFIN include amendamentele votate de Parlamentul European. Acesta prevede, de pild\u0103, c\u0103 solicitan\u0163ii poten\u0163iali ai unui credit imobiliar s\u0103 primeasc\u0103 o fi\u015f\u0103 tehnic\u0103 standard care s\u0103 con\u0163in\u0103 o serie de informa\u0163ii obligatorii, privind dob\u00e2nzile aplicate \u015fi riscurile, pentru a putea face compara\u0163ii.<\/p>\n
Societ\u0103\u0163ile de credit vor trebui, de asemenea, s\u0103 evalueze capacitatea solicitantului de a rambursa, refuz\u00e2nd s\u0103 acorde \u00eemprumuturi dac\u0103 acesta se confrunt\u0103 cu dificult\u0103\u0163i de plat\u0103.<\/p>\n
Textul prevede ca Autoritatea Bancar\u0103 European\u0103 s\u0103 poat\u0103 ancheta eventuale \u00eenc\u0103lc\u0103ri ale acestor reguli sau a incapacit\u0103\u0163ii de a le pune \u00een practic\u0103, solicit\u00e2ndu-le autorit\u0103\u0163ilor competente din statele membre informa\u0163ii pentru a le remedia.<\/p>\n
Statele membre dispun de un termen de doi ani pentru a transpune directiva \u00een legisla\u0163ia na\u0163ional\u0103.<\/p>\n
Sursa: Agerpres<\/p>\n","protected":false},"excerpt":{"rendered":"
Uniunea European\u0103 adopt\u0103 noi reglement\u0103ri pentru credite imobiliare mai sigure Mini\u015ftrii europeni de finan\u0163e au adoptat, \u00een cadrul Consiliului Afaceri Economice \u015fi Financiare al Uniunii Europene, o directiv\u0103 care vizeaz\u0103 reglementarea mai bun\u0103 a creditelor ipotecare \u015fi o evitare a crizelor provocate de bulele imobiliare. Noua directiv\u0103 vizeaz\u0103 introducerea unui nivel \u00eenalt de protec\u0163ie, comb\u0103t\u00e2nd … Continued<\/a><\/p>\n","protected":false},"author":4,"featured_media":5930,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[8],"tags":[],"_links":{"self":[{"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=\/wp\/v2\/posts\/6351"}],"collection":[{"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6351"}],"version-history":[{"count":1,"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=\/wp\/v2\/posts\/6351\/revisions"}],"predecessor-version":[{"id":6352,"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=\/wp\/v2\/posts\/6351\/revisions\/6352"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=\/wp\/v2\/media\/5930"}],"wp:attachment":[{"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6351"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6351"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6351"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}