Finante-Banci
Consumatorii de alcool si fumatorii ar putea lua mai greu credite in Marea Britanie
Cate pachete de tigari cumpara un britanic in fiecare saptamana si cate beri sau pahare de vin consuma zilnic ar trebui sa devina criterii decisive in acordarea unui credit ipotecar, propune Autoritatea pentru Servicii Financiare (FSA) din Regatul Unit (UK), scrie Gandul.
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Intr-un raport citat de The Times, FSA atrage atentia bancilor sa nu mai ofere cu usurinta imprumuturi. La baza crizei financiare mondiale – care debutase, in Marea Britanie, cu intrarea in criza de lichiditati a bancii Northern Rock, in septembrie 2007, institutia fiind nationalizata in martie 2008 – a stat acordarea de credite unor debitori care nu ofereau suficiente garantii ca isi vor putea plati ratele.
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