{"id":442,"date":"2020-03-06T10:19:57","date_gmt":"2020-03-06T07:19:57","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=442"},"modified":"2020-03-06T10:19:59","modified_gmt":"2020-03-06T07:19:59","slug":"biroul-de-credit-tot-ce-trebuie-sa-stii","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/biroul-de-credit-tot-ce-trebuie-sa-stii\/","title":{"rendered":"Biroul de Credit – tot ce trebuie s\u0103 \u0219tii"},"content":{"rendered":"

\"CreditMajoritatea persoanelor fizice, fie din Rom\u00e2nia fie de oriunde din lume, acceseaz\u0103 un credit la un moment dat \u00een via\u021ba lor. Astfel, atunci c\u00e2nd avem nevoie de un credit ne \u00eendrept\u0103m c\u0103tre diverse institu\u021bii financiare pentru a ob\u021bine respectiva sum\u0103 de bani. Avantajul acestei ac\u021biuni este faptul s\u0103 ob\u021binem suma dorit\u0103 \u00eentr-un interval scurt de timp, versus intervalul de timp care ne-ar fi necesar pentru a economisi. \u00cen Rom\u00e2nia, fiecare persoan\u0103 care a accesat vreodat\u0103 un credit se afl\u0103 \u00een biroul de credit.<\/p>\n

Cuprins:<\/p>\n

    \n
  1. Ce este biroul de credit?<\/a><\/li>\n
  2. Cum func\u021bioneaz\u0103 biroul de credit?<\/a><\/li>\n
  3. Ce informa\u021bii de\u021bine biroul de credit despre o persoan\u0103?<\/a><\/li>\n
  4. Cine \u0219i cum poate accesa informa\u021biile din biroul de credit?<\/a><\/li>\n
  5. \u0218tergerea din biroul de credit<\/a><\/li>\n
  6. Se poate accesa un credit ca r\u0103u platnic?<\/a><\/li>\n<\/ol>\n

    Ce este biroul de credit?<\/h2>\n

    Biroul de credit<\/a> este o institu\u021bie privat\u0103 din Rom\u00e2nia, \u00eenfiin\u021bat\u0103 ca societate pe ac\u021biuni \u00een anul 2003 \u0219i are ca ac\u021bionari institu\u021bii bancare<\/a> distince. Biroul de credit din Rom\u00e2nia, ca institu\u021bie, face parte din Asociatiei Europene a Birourilor de Credit.<\/p>\n

    Biroul de credit din Rom\u00e2nia se ocup\u0103 cu colectarea \u0219i furnizarea de informa\u021bii despre clien\u021bii institu\u021biilor bancare, acestea fiind majoritar b\u0103nci. Mai exact, furnizeaz\u0103 informa\u021bii despre persoanele fizice care au contractat vreodat\u0103 un credit, fie el bancar sau nebancar.<\/p>\n

    Biroul de credit este un filtru pentru institu\u021biile bancare, un filtru prin care acestea verific\u0103 dac\u0103 un poten\u021bial client este sau nu r\u0103u platnic, dac\u0103 \u00ee\u0219i achit\u0103 sau nu datoriile la timp, dar ofer\u0103 informa\u021bii \u0219i despre ce credite a avut acest client.<\/p>\n

    Cum func\u021bioneaz\u0103 biroul de credit?<\/h2>\n

    Biroul de credit de\u021bine informa\u021biile financiare furnizare de c\u0103tre institu\u021biile financiare ce se afl\u0103 ca ac\u021bionari ai acestuia, dar \u0219i informa\u021bii financiare oferite de alte institu\u021bii financiare de pe teritoriul \u021b\u0103rii. Aceste informa\u021bii au mai multe obiective:
    \n\u2022 Date pentru portofoliul de clien\u021bi
    \n\u2022 Informa\u021bii financiare ra\u021bionale despre capacitatea de rambursare, gradul de \u00eendatorare, gradul de risc, comportamentul legat de creditare
    \n\u2022 Consultan\u021b\u0103
    \n\u2022 Criterii uniforme pentru cei care doresc credite<\/p>\n

    Mai exact, atunci c\u00e2nd \u00ee\u021bi dore\u0219ti s\u0103 accesezi un credit de la o institu\u021bie financiar\u0103, aceast\u0103 institu\u021bie \u00ee\u021bi verific\u0103 informa\u021biile financiare la biroul de credit. Astfel, va afla dac\u0103 sau ce alte credite mai ai \u00een conformitate cu gradul maxim de \u00eendatorare (stabilit prin lege la maximum 40% din venituri), dac\u0103 e\u0219ti bun platnic sau r\u0103u platnic, dac\u0103 \u00ee\u021bi achi\u021bi datoriile la termen sau cu \u00eent\u00e2rziere \u0219i a\u0219a mai departe.<\/p>\n

    Astfel, biroul de credit regleaz\u0103 pia\u021ba oferind \u0219anse mai mari de creditarea celor care sunt bun platnici \u0219i \u0219anse mai mici celor care sunt r\u0103u platnici. Un alt avantaj este ajutorul oferit \u00een recuperarea datoriilor \u2013 acest lucru se \u00eent\u00e2mpl\u0103 atunci c\u00e2nd o persoan\u0103 are datorii neachitate \u0219i este nevoit\u0103 s\u0103 le achite pentru a putea accesa un alt credit.<\/p>\n

    \u00cen biroul de credit sunt stocate \u0219i date referitoare la fraude sau inadverten\u021be, aceste informa\u021bii provenind at\u00e2t din sistemele bancare, c\u00e2t \u0219i cele non-bancare.<\/p>\n

    Baza de date a biroului de credit este comun\u0103 tuturor institu\u021biilor care fac parte din el \u0219i este \u00eentr-o continu\u0103 dezvoltare. Institu\u021biile financiare transmit constant informa\u021bii c\u0103tre biroul de credit, iar informa\u021biile de\u021binute \u00een baza de date a acestui sunt constant accesare de c\u0103tre institu\u021bii.<\/p>\n

    Ce informa\u021bii de\u021bine biroul de credit despre o persoan\u0103?<\/h2>\n

    Participan\u021bii la biroul de credit trimit c\u0103tre baza de date a acestuia at\u00e2t informa\u021bii pozitive, c\u00e2t \u0219i informa\u021bii negative. Putem \u00eemp\u0103r\u021bi acest proces \u00een 3 faze distince:<\/p>\n

    1. Raportarea \u00eent\u00e2rzierilor<\/strong> de plat\u0103, fraudele \u0219i declara\u021biile cu inadverten\u021be
    \n\u00cent\u00e2rzierile de plat\u0103 sunt considerate astfel \u00een momentul \u00een care trec mai mult de 30 de zile calendaristice de la scande\u021b\u0103, f\u0103r\u0103 a fi realizat\u0103 o plat\u0103. Fraudele se refer\u0103 la fraudele realizate \u00een rela\u021bia persoanei cu insitu\u021bia bancar\u0103, ac\u021biune dovedit\u0103 printr-o hot\u0103r\u00e2re judec\u0103toreasc\u0103 definitiv\u0103 \u0219i irevocabil\u0103. Declara\u021biile cu inadverten\u021be se refer\u0103 la informa\u021biile false oferite de c\u0103tre o persoan\u0103 \u00een momentul solicit\u0103rii unui credit.<\/p>\n

    2. Prelucrarea informa\u021biilor<\/strong> provenite de la participan\u021bi \u2013 institu\u021bii bancare \u0219i non-bancare<\/p>\n

    3. Sistemul de scoring<\/strong> \u2013 din anul 2009, fiecare persoan\u0103 este evaluat\u0103 conform unui model statistic \u0219i prime\u0219te o anumit\u0103 not\u0103 conform istoricului s\u0103u, aceast\u0103 not\u0103 fiind important\u0103 \u00een decizia unei institu\u021bii financiare de a-i oferi sau nu un credit<\/p>\n

    Sistemul de scoring este realizat conform modelului Fico Score \u0219i con\u021bine punctaje \u00eentre 300 \u0219i 850. Un punctaj de 300 este unul foarte slab, pe c\u00e2nd cel de 850 este unul foarte bun. Acest scor este realizat dup\u0103 5 criterii:
    \n\u2022 Istoricul de plat\u0103 \u2013 reprezint\u0103 35% din punctaj \u0219i se refer\u0103 la promptitudinea achit\u0103rii ratelor, \u00eent\u00e2rzieri \u0219i durata acestora, num\u0103rul de restan\u021be
    \n\u2022 Num\u0103r de credite \u00een curs \u2013 reprezint\u0103 30% din punctaj \u0219i se refer\u0103 la soldul creditelor \u0219i tipul lor, dar \u0219i refinan\u021b\u0103ri ale acestora
    \n\u2022 Durata istoricului \u2013 reprezint\u0103 15% din punctaj \u0219i se refer\u0103 la data realiz\u0103rii primului credit sau data \u00eencheierii ultimului credit
    \n\u2022 Credite noi \u2013 reprezint\u0103 10% din punctaj \u0219i se refer\u0103 la creditele deschise recent, tipul acestora, interog\u0103ri anterioare ale informa\u021biilor din biroul de credit
    \n\u2022 Tipul de credit solicitat \u2013 reprezint\u0103 10% din punctaj \u0219i se refer\u0103 la num\u0103rul de credite \u00een curs \u0219i tipul acestora<\/p>\n

    Cine \u0219i cum poate accesa informa\u021biile din biroul de credit?<\/h2>\n

    O persoan\u0103 fizic\u0103 are dreptul legal de a ob\u021bine o dat\u0103 pe an informa\u021biile proprii din biroul de credit, gratuit. \u00cen afara acestor condi\u021bii, costul eliber\u0103rii unui raport este de 6 lei. Pentru a ob\u021bine aceste informa\u021bii proprii, trebuie s\u0103 trimi\u021bi o solicitare c\u0103tre biroul de credit.<\/p>\n

    \u0218tergerea din biroul de credit<\/h2>\n

    Exist\u0103 posibilitatea \u0219tergerii unei persoane din biroul de credit, fie c\u0103 este r\u0103u platnic sau nu. Informa\u021biile privind o persoan\u0103 r\u0103m\u00e2n \u00een baza de date a biroului de credit timp de 4 ani, perioad\u0103 ce se calculeaz\u0103 \u00eencep\u00e2nd cu data achit\u0103rii ultimei restan\u021be. Dac\u0103 nu se achit\u0103 toate restan\u021bele, informa\u021biile despre persoana respectiv\u0103 vor r\u0103m\u00e2ne \u00een continuare \u00een baza de date a biroului de credit.<\/p>\n

    Perioada de 4 ani \u00een care informa\u021biile despre r\u0103u platnici \u0219i despre bun platnici r\u0103m\u00e2n \u00een baza de date a biroului de credit este constant\u0103. Legea din Rom\u00e2nia oblig\u0103 la \u0219tergerea datelor dup\u0103 4 ani. Cu toate acestea, conform legilor GDPR din 2018, se poate solicita \u0219tergerea din biroul de credit printr-un cerere c\u0103tre directorul institu\u021biei, acesta evalu\u00e2nd-o \u0219i oferind un r\u0103spuns ulterior.<\/p>\n

    Se poate accesa un credit ca r\u0103u platnic?<\/h2>\n

    Dac\u0103 o persoan\u0103 este r\u0103u platnic\u0103 \u0219i dore\u0219te s\u0103 acceseze un credit nou<\/a>, cel mai probabil institu\u021biile financiare nu \u00eei vor oferi un credit. Acest lucru se \u00eent\u00e2mpl\u0103 deoarece peroana respectiv\u0103 prezint\u0103 un grad de risc, are un istoric de neachitare a datoriilor. Pentru a accesa un nou credit trebuie achitate restan\u021bele care figureaz\u0103 \u00een baza de date a biroului de credit \u0219i a\u0219teptarea celor 4 ani sau solicitarea \u0219tergerii datelor din biroul de credit.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Descoper\u0103 \u00een ghidul complet despre biroul de credit ce este aceast\u0103 institu\u021bie, cum func\u021bioneaz\u0103, ce informa\u021bii stocheaz\u0103, cine are acces la aceste informa\u021bii \u0219i multe altele!<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-442","post","type-post","status-publish","format-standard","hentry","category-educatie-financiara"],"yoast_head":"\nBiroul de Credit - tot ce trebuie s\u0103 \u0219tii - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Ce este biroul de credit, cum func\u021bioneaz\u0103, ce informa\u021bii are \u0219i cine le poate accesa? 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Urm\u0103resc cu aten\u021bie ecosistemul startup-urilor \u0219i acop\u0103r subiecte diverse ce \u021bin de educa\u021bie financiar\u0103, lifestyle \u0219i c\u0103l\u0103torii, antreprenoriat, e-commerce & digital marketing. \u00cemi place s\u0103 documentez temeinic fiecare subiect \u0219i s\u0103 scriu pe \u00een\u021belesul tuturor, astfel adaptez textele c\u00e2t s\u0103 le poat\u0103 \u00een\u021belege \u0219i bunica mea. :) Cred cu t\u0103rie c\u0103 informa\u021bia \u00eenseamn\u0103 putere, iar \u00eenv\u0103\u021barea este un proces care nu ar trebui s\u0103 se opreasc\u0103 niciodat\u0103. Mai multe detalii despre mine \u0219i date de contact g\u0103se\u0219ti pe profilul de Linkedin","sameAs":["https:\/\/ro.linkedin.com\/in\/nataliamanolescu"],"url":"https:\/\/www.cursvalutar.ro\/blog\/author\/natalia-manolescu\/"}]}},"_links":{"self":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/442","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/comments?post=442"}],"version-history":[{"count":16,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/442\/revisions"}],"predecessor-version":[{"id":463,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/442\/revisions\/463"}],"wp:attachment":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/media?parent=442"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/categories?post=442"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/tags?post=442"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}