Finante-Banci
Fed a publicat noi reguli pentru protejarea beneficiarilor de credite ipotecare de abuzuri
Rezerva Federala (Fed) a Statelor Unite a publicat, luni, noi reguli pentru protejarea beneficiarilor de credite ipotecare de practici abuzive, cum ar fi comunicarea mai clara a costurilor, informeaza Mediafax.
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Fed a anuntat totodata ca va interzice platile din partea institutiilor de credit catre brokeri, efectuate pe baza dobanzilor aplicate beneficiarilor de imprumuturi.
Furnizorii de imprumuturi nu vor mai putea sa atraga clientii cu ipoteci al caror cost va creste ulterior din cauza platilor catre brokeri sau ofiterii de credite.
„Astfel, furnizorii de credite nu vor putea sa isi majoreze compensatiile prin cresterea costului imprumuturilor acordate, prin dobanzi mai mari”, se arata intr-un comunicat al Fed.
Reglementarile vor intra in vigoare pe 1 aprilie 2011.
Numerosi americani au fost atrasi cu credite ipotecare cu dobanzi variabile, despre care brokerii afirmau ca pot fi refinantate in doi ani, optiune care a disparut odata cu prabusirea pietei imobiliare.
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