Românii, speriați că nu-și mai pot plăti datoriile la bănci

 

Românii sunt disperați că nu își mai pot plăti creditele după amânarea plății ratelor bancare! Aceștia se plâng că situația lor nu s-a îmbunătățit și speră să obțină o nouă amânare, prin negocieri cu băncile. Alții chiar cer întreruperea procesului de amânare.

 

Specialiștii recomandă băncilor să fie pregătite pentru astfel de situații, în care clienții să nu-și mai poată respecta obligațiile de plată. Băncile spun că au primit numeroase cereri de la consumatori prin care aceștia solicită fie prelungirea perioadei de amânare a plății, mai mult de 9 luni, cât este prevăzut termenul maxim în momentul de față, fie întreruperea procesului de amânare, pentru că întrevăd înrăutățirea situației lor financiare în urma acestei amânări.

Însă sunt și români care nu au fost afectați de pandemie, iar ei vor solicita noi credite. Totuși, dacă vă aflați în situația de a nu vă putea plăti ratele, puteți trimite o solicitare direct către bancă, pentru a prelungi termenul de amânare. De asemenea, puteți discuta cu un conciliator, care să negocieze cu băncile în dumenele dumneavoastră. 

Facilitatea amânării ratelor a venit ca un colac de salvare pentru românii care nu-și puteau plăti ratele. Măsura a fost adoptată în 2020, dar a fost prelungită și pentru 2021. Sunt peste 500.000 de români care au apelat la această facilitate, potrivit realitatea.net

Ciprian Bârsan, analist financiar: „Din păcate sunt persoane care au apelat la această măsură adoptată prin ordonanță de urgență. Aproximativ 14-15% din totalul creditelor acordate de băncile comerciale se află în această situație. (…) Băncile încearcă să-și recupereze aceste sume de bani împrumutate clienților, clienții fac eforturi să-și plătească ratele. Cea mai bună soluție pe care o poate lua o bancă în acest moment este să discute și să ajungă la o înțelegere cu fiecare client, astfel încât să-și recupereze suma de bani. Conform ordonanței de urgență, după o amânare de 9 luni, nu mai există posibilitatea de a mai amâna din nou. Din  punct de vedere legal nu există o bază legală pentru a merge mai departe cu o nouă amânare.”

Sursa: Realitatea Financiara

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