{"id":1142,"date":"2022-06-27T16:38:28","date_gmt":"2022-06-27T13:38:28","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=1142"},"modified":"2022-06-27T16:38:30","modified_gmt":"2022-06-27T13:38:30","slug":"amanarea-ratelor-la-banca-in-2022","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/amanarea-ratelor-la-banca-in-2022\/","title":{"rendered":"Am\u00e2narea ratelor la banc\u0103 \u00een 2022"},"content":{"rendered":"

\"\"Cre\u0219terea generalizat\u0103 a pre\u021burilor (infla\u021bia<\/a>), cre\u0219terea costurilor pentru energie \u0219i a dob\u00e2nzilor a creat o presiune major\u0103 \u00een pia\u021b\u0103, at\u00e2t asupra cet\u0103\u021benilor, c\u00e2t \u0219i asupra companiilor care activeaz\u0103 \u00een Rom\u00e2nia.<\/p>\n

Pentru a diminua aceast\u0103 presiune coali\u021bia de guvernare a luat decizia de a oferi posibilitatea cet\u0103\u021benilor \u0219i companiilor s\u0103-\u0219i am\u00e2ne ratele la banc\u0103, \u00een cazul \u00een care se confrunt\u0103 cu dificult\u0103\u021bi financiare. Aceast\u0103 m\u0103sur\u0103 nu este o premier\u0103, ci a mai fost abordat\u0103 \u00een timpul pandemiei de COVID-19.<\/p>\n

Este posibilitatea de a am\u00e2na ratele la banc\u0103 \u00een 2022 o decizie bun\u0103?<\/h2>\n

Economi\u0219tii avertizeaz\u0103 \u00een leg\u0103tur\u0103 cu am\u00e2narea ratelor la banc\u0103 \u00een 2022
Chiar dac\u0103 aceast\u0103 m\u0103sur\u0103 a mai fost implementat\u0103 \u0219i \u00een perioada pandemiei de coronavirus, de aceast\u0103 dat\u0103 contextul este diferit.<\/p>\n

M\u0103sura face parte din pachetul numit \u201eSprijin pentru Rom\u00e2nia\u201d, iar acum nu este clar dac\u0103 guvernan\u021bii au ajuns la un acord cu Autoritatea European\u0103 Bancar\u0103 pentru a face acest lucru, a\u0219a cum a fost nevoie \u00een cei doi ani de pandemie.<\/p>\n

Conform datelor Centrului de Solu\u021bionare Alternativ\u0103 a Litigiilor \u00een domeniul Bancar (CSALB), peste 708.000 de rom\u00e2ni au solicitat am\u00e2narea ratelor bancare \u00een 2020 \u0219i \u00een primele 3 luni din anul 2021.<\/p>\n

\u00cens\u0103 economi\u0219tii consider\u0103 c\u0103 am\u00e2narea ratelor la creditele bancare<\/a> acum, \u00eentr-o perioad\u0103 \u00een care infla\u021bia este deja mare, \u0219i \u00een cre\u0219tere, va \u00eenr\u0103ut\u0103\u021bi situa\u021bia economic\u0103 din \u021bar\u0103.<\/p>\n

Explica\u021bia este simpl\u0103: banii destina\u021bi pl\u0103\u021bii ratelor bancare vor fi introdu\u0219i \u00een pia\u021b\u0103, vor fi folosi\u021bi pentru achizi\u021bionarea de bunuri, ceea ce va determina o cre\u0219tere \u0219i mai mare a infla\u021biei, precum \u0219i a dob\u00e2nzilor. Iar \u00een final, ratele am\u00e2nate vor fi achitate la dob\u00e2nzi \u0219i mai mari.<\/p>\n

De aceea, recomandarea acestora este ca cei care \u00ee\u0219i permit s\u0103 pl\u0103teasc\u0103 \u00een continuare ratele la credite s\u0103 fac\u0103 acest lucru.<\/p>\n

M\u0103surile fiscale anun\u021bate vor intra \u00een vigoare de la 1 iulie<\/h2>\n

M\u0103surile anun\u021bate de coali\u021bia de guvernare sunt programate s\u0103 intre \u00een vigoare la 1 iulie 2022. Pe l\u00e2ng\u0103 posibilitatea am\u00e2n\u0103rii ratelor la banc\u0103<\/a> pe o perioad\u0103 maxim\u0103 de 9 luni, reg\u0103sim \u0219i acordarea de sprijine financiare pentru categoriile vulnerabile, precum pensionarii.<\/p>\n

De asemenea, Guvernul se angajeaz\u0103 s\u0103 reduc\u0103 cheltuielile bugetare cu 10%, excep\u021bie f\u0103c\u00e2nd cele destinate pl\u0103\u021bii salariilor, investi\u021biilor, asisten\u021bei sociale \u0219i pensiilor.<\/p>\n

\u00cen plus, Guvernul dore\u0219te cre\u0219terea colect\u0103rii veniturilor la bugetul de stat.<\/p>\n

Aceast\u0103 m\u0103sur\u0103 va fi sprijinit\u0103 de strategii \u0219i ac\u021biuni menite s\u0103 \u00eencurajeze colectarea taxelor \u0219i descurajarea evaziunii fiscale.<\/p>\n

Accelerarea absorb\u021biei fondurilor europene<\/a> este o alt\u0103 direc\u021bie propus\u0103 pentru eficientizarea economiei \u021b\u0103rii.<\/p>\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Coali\u021bia de guvernare a anun\u021bat lansarea unui nou pachet de m\u0103suri sociale \u0219i economice, printre care se reg\u0103se\u0219te \u0219i am\u00e2narea ratelor la banc\u0103 \u00een 2022. Afl\u0103 din articol cum po\u021bi am\u00e2na plata ratelor \u0219i pentru c\u00e2t timp.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-1142","post","type-post","status-publish","format-standard","hentry","category-timp-liber"],"yoast_head":"\nAm\u00e2narea ratelor la banc\u0103 \u00een 2022 - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Afl\u0103 cum \u00ee\u021bi po\u021bi am\u00e2na ratele la banc\u0103 \u00een 2022 \u0219i pe ce perioad\u0103 de timp. 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