• 4,6198

  • 3,9810

  • 3,9869

  • 163,9971

  • asfBăncile au formulat contractele de credite ipotecare într-o manieră discreţionară pentru a se asigura că pot modifica în mod unilateral costurile, iar lipsa unor reglementări adecvate a condus la supraîndatorarea populaţiei, sunt de părere oficialii Autorităţii de Supraveghere Financiară (ASF), citaţi într-un studiu al Parlamentului European.

    Aceasta este cea mai dură critică la adresa sistemului bancar formulată de o autoritate românească, în condiţiile în care Banca Naţională a evitat constant să-i pună la zid pe bancheri pentru abuzurile din trecut, în pofida zecilor de mii de procese în care băncile au fost târâte de clienţii nemulţumiţi.

    „Potrivit Autorităţii de Su­pra­­veghere Financiară, contractele de credite ipotecare au fost formulate într-o manieră dis­creţionară care a permis băncilor să schimbe unilateral costul şi alte caracteristici ale împrumuturilor, fără ca debitorul să aibă posibilitatea să refuze modificările“, se arată în studiul publicat de directoratul general pentru politici interne al Parla­mentului European.

    Autoritatea de supraveghere a mai evidenţiat în studiul respectiv contribuţia credită­rii în franci elveţieni la supraîndatorarea populaţiei sursa zf.ro

    Acest articol este proprietatea Pagina de Bănci și este protejat de legea drepturilor de autor. Orice preluare a conținutului se poate face doar în limita a 500 de semne, cu citarea sursei și cu link către pagina acestui articol.

    Related Posts

    69 Responses to Băncile au formulat în mod discreţionar contractele de credit

    1. Some truly interesting points you’ve got written. Assisted me a whole lot, just what I was searching for : D.

    2. If your friend does not answer, you are able to leave a video message. You’ll be able to Pay Per Click or the Pay Per Impression.

    3. free gold maps

      […]the time to read or stop by the material or web-sites we have linked to beneath the[…]

    4. book of ra spune:

      You are my intake , I have couple of blogs and quite sporadically run out from to post : (.

    5. Looking around

      I like to browse around the web, regularly I will go to Stumble Upon and read and check stuff out

    6. Stefan Harte spune:

      Fantastic goods from you, man. I’ve understand your stuff previous to and you’re just extremely wonderful. I really like what you have acquired here, really like what you’re saying and the way in which you say it. You make it enjoyable and you still take care of to keep it wise. I cant wait to read much more from you. This is really a tremendous website.

    7. I believe this web site has got some real good info for everyone :D. „Laughter is the sun that drives winter from the human face.” by Victor Hugo.

    8. Anonim spune:

      Its comparable you interpret my mind! You appear to get a lot about this, approximating you wrote the book in it otherwise impressive. I ponder that you could perform with approximately pics to drive the message inland a insignificant small piece, except new than that, this is great blog. A enormous glance at. I will undoubtedly be real back.

    9. California on lesbians!

    10. Johnny Oltman spune:

      I have already been looking at for any minor for almost any excellent content pieces throughout this sort of spot. Researching in Aol When i finally became aware of this kind of website. Scanning this facts Therefore i

    11. Wilson was horrified. „At first, I thought they were actually advocating for people to throw plastic bottles into the ocean,” Wilson wrote in a 5 Gyres blog, partially entitled „#TheyJustDon’tGetIt.”

    12. News info

      I was reading the news and I saw this really cool info

    13. You have brought up a very superb details , regards for the post.

    14. Sari spune:

      Travel Station Gentleman vs. Victuals Nation Badge | Foursquare Atlanta I was suggested this website by my cousin. I am not definite whether this post is printed by him as unknown moreover make out such exhaustive on the subject of my trouble. You are amazing! Thanks! your article on the subject of Trek Channel Staff vs. Foodstuff Nation Badge | Foursquare AtlantaBest Regards Agata

    15. This web site has some useful home elevators it. Cheers for informing me.

    16. book of ra spune:

      I adore your weblog.. really nice colors & theme. Did you create this site yourself or did you hire someone to do it for you? Plz answer back as I’m looking to create my own blog and would like to know where u got this from. thanks

    17. Looking around

      I like to surf around the web, often I will go to Stumble Upon and read and check stuff out

    18. I’m often to blogging and i in actual fact respect your content. The piece has in fact peaks my interest. I’m going to bookmark your content material and preserve checking for brand new information.

    19. example spune:

      I don’t even know how I ended up here, but I thought this post was great. I do not know who you are but definitely you’re going to a famous blogger if you are not already 😉 Cheers!

    20. Pest Control Manchester is committed to protecting your homes and businesses against harmful pests. We provide an environmentally safe, superior and reliable service and are committed to total customer satisfaction. As the leading service company in the cheap cheshire pest control industry we provide the highest standard of pest control at a very cost-effective price.

    21. I like what you guys are up also. Such intelligent work and reporting! Carry on the excellent works guys I have incorporated you guys to my blogroll. I think it will improve the value of my website 🙂

    22. Full Disclosure began in April 2012 when San Francisco comedian Eric Barry bought a mixer and some microphones, and launched the Full Disclosure sex podcast out of his bedroom, a series of intensely revealing interviews with adult performers, sexologists, celebrities, and others in the entertainment industry.

    23. Hello ! I’d like to tkank for so many thought-provoking articles !

    24. zobacz spune:

      Heya i am for the first schedule now. I set up this board and I find It rightly practical & it helped me outdated a lot. I aspiration to give a little back and evade others like you helped me.

    25. Just Browsing

      While I was browsing today I saw a excellent article concerning

    26. Shayla Viele spune:

      I’m not sure where you’re getting your information, but good topic. I needs to spend some time learning much more or understanding more. Thanks for excellent info I was looking for this information for my mission.

    27. Hi there would you mind letting me know which web host you’re working with? I’ve loaded your blog in 3 different web browsers and I must say this blog loads a lot faster then most. Can you suggest a good hosting provider at a fair price? Cheers, I appreciate it!

    28. Just Browsing

      While I was surfing today I noticed a great post concerning

    29. My coder is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using WordPress on various websites for about a year and am concerned about switching to another platform. I have heard excellent things about blogengine.net. Is there a way I can transfer all my wordpress posts into it? Any help would be really appreciated!

    30. child porn spune:

      Full Disclosure began in April 2012 when San Francisco comedian Eric Barry bought a mixer and some microphones, and launched the Full Disclosure sex podcast out of his bedroom, a series of intensely revealing interviews with adult performers, sexologists, celebrities, and others in the entertainment industry.

    31. Digg

      While checking out DIGG today I noticed this

    32. Tumblr article

      I saw someone writing about this on Tumblr and it linked to

    33. Learn to compose himself, the article from an additional supply

    34. Vitamix, Vitamix TNC5200, Vitamix Super TNC und Vitamix Pro 500 können Sie hier bestellen

    35. Homepage spune:

      … [Trackback]

      […] Informations on that Topic: paginadebanci.ro/bancile-au-formulat-in-mod-discretionar-contractele-de-credit/ […]

    36. URL spune:

      … [Trackback]

      […] Informations on that Topic: paginadebanci.ro/bancile-au-formulat-in-mod-discretionar-contractele-de-credit/ […]

    37. Beata Pratts spune:

      Good day! This post could not be written any better! Reading this post reminds me of my old room mate! He always kept chatting about this. I will forward this page to him. Pretty sure he will have a good read. Many thanks for sharing!

    38. Delsie spune:

      It is magnificent and properly matched positive. My wife will be present excited. Value your identifiable help!

    39. honda parts spune:

      TEEMCO LLC, an oilfield engineering company based in the Oklahoma City suburb of Edmond, thrust themselves into the spotlight over the last year, signing huge endorsement deals with the Oklahoma City Thunder, The University of Oklahoma, Oklahoma State University, and local CBS television affiliate KWTV, among others.TEEMCO made another big splash when they announced plans to purchase and renovate the historic Gold Dome building in central Oklahoma City, with their CEO Greg Lorson comparing the building’s positive electromagnetic energy to golf bracelets and revealing plans that included massive aquariums and the world’s largest salt crystal lamp.But as these audacious deals were being signed and promoted, TEEMCO and it’s chief executive were mired in legal and financial issues, and the troubles appear to be quickly escalating.

    40. Drema Vilmont spune:

      Most of my friends would not change their favorite products even when they know the facts.

    41. Do not you think that the world powienen abide affinity? This is what is happening now is really unbearable. I hope that soon this will commute.

    42. Our aim is to source products from all around the world, finding you from the rarest to the most elite parts for the best prices. Since we began in 2012 our focus has always been mainly specialising for Japanese automotive cars, but since 2013 we have expanded

    43. Odis Doescher spune:

      I value the article post.Really looking forward to read more. Awesome.

    44. From today, I looked inside your blog more often, being as how I found the broadcast journalism aboard, I could not discover anywhere other. Really thank you very much.

    45. teemco llc spune:

      TEEMCO LLC, an oilfield engineering company based in the Oklahoma City suburb of Edmond, thrust themselves into the spotlight over the last year, signing huge endorsement deals with the Oklahoma City Thunder, The University of Oklahoma, Oklahoma State University, and local CBS television affiliate KWTV, among others.TEEMCO made another big splash when they announced plans to purchase and renovate the historic Gold Dome building in central Oklahoma City, with their CEO Greg Lorson comparing the building’s positive electromagnetic energy to golf bracelets and revealing plans that included massive aquariums and the world’s largest salt crystal lamp.But as these audacious deals were being signed and promoted, TEEMCO and it’s chief executive were mired in legal and financial issues, and the troubles appear to be quickly escalating.

    46. Just Browsing

      While I was browsing yesterday I saw a great post about

    47. Smithers of Stamford supplies hand made bespoke industrial furniture & retro vintage style furniture for man cave ideas & contemporary homes offices, hotels, restaurants in the Uk.

    48. Astonish, this can be a the best amount of write up which i’ve encounter as part of huge an eternity. Accomplish too look at great online site.

    49. x-ray ce spune:

      Here at CE Xray, we pride ourselves on providing Xray-Techs Nationally with fun, informative continuing education for an affordable price. In fact, we will beat any price on the same product. Since 1995 CE has been mandatory for all R.T.s certified by the American Registry of Radiologic Technologists. Each R.T. must earn 24 CE credits every two years. All 24 CE credits must be Category A or Category A+.

    50. I approximating the helpful information you impart in your articles. I’ll bookmark your blog and check over now often. I’m pretty assured I will discover scores of new to the job gear non-discriminatory here! Clear fluke for the next!

    51. beach body spune:

      Yahoo results

      While browsing Yahoo I found this page in the results and I didn’t think it fit

    52. lokata spune:

      Heya i am for the first schedule here. I bring into being this board and I stumble on It truly practical & it helped me out a lot. I chance to create a bit back and evade others like you helped me.

    53. Just Browsing

      While I was surfing yesterday I noticed a excellent article concerning

    54. Yahoo results

      While browsing Yahoo I discovered this page in the results and I didn’t think it fit

    55. With havin so much written content do you ever run into any problems of plagorism or copyright violation? My site has a lot of unique content I’ve either authored myself or outsourced but it seems a lot of it is popping it up all over the internet without my agreement. Do you know any ways to help reduce content from being stolen? I’d really appreciate it.

    56. try this out spune:

      I simply want to say I’m very new to weblog and honestly loved this page. Probably I’m likely to bookmark your site . You definitely have beneficial writings. Cheers for sharing with us your website page.

    Lasă un răspuns

    Adresa ta de email nu va fi publicată. Câmpurile obligatorii sunt marcate cu *

    Scroll to top