Finante-Banci
Bancile nu mai trebuie sa astepte avizul BNR pentru a creste gradul de indatorare
Bancile nu vor mai fi nevoite sa astepte avizul bancii centrale pentru a acorda credite cu garantie reala, ci vor putea oferi imprumuturi de indata ce au transmis noile norme catre banca centrala, potrivit modificarilor la regulamentul de BNR privind riscul creditarii, publicate joi in Monitorul Oficial.
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Conform Monitorului Oficial, noile norme bancare va trebui sa stabileasca modalitatea de organizare interna a bancilor pentru acordarea si administrarea imprumuturilor acordate catre populatie, precum si modul de stabilire a garantiilor pentru credit, si ponderea pe care imprumutul trebuie sa o reprezinte din valoarea garantiei.
Totodata, bancile va trebui sa includa in norme prevederi referitoare la nivelurile maxime ale gradului de indatorare, in functie de destinatia creditului si de tipul imprumutului.
In cazul creditelor care nu sunt garantate cu ipoteci reprezentand locuinte sau terenuri intravilane, bancile vor fi obligate sa ia in considerare la calcularea gradului de indatorare riscul valutar si pe cel de dobanda, mentioneaza noile prevederi.
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