Finante-Banci
Ghetea: Haideti sa nu incurajam negocierea la acordarea de credite
Negocierea contractelor de credite, la acordare, nu ar trebui incurajata, in special in cazul imprumuturilor de consum, in conditiile in care acest lucru intarzie acordarea, afirma Radu Ghetea, presedintele Asociatiei Romane a Bancilor.
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Aprobarile pentru schimbarea datelor din documente se obtin nu la nivelul sucursalelor, unde sunt depuse actele pentru imprumut, ci la nivelul centralelor bancare, a spus marti Radu Ghetea, presedintele ARB.
Indicatia facuta de Ghetea vine insa in dezacord cu o practica des intalnita la nivelul statelor dezvoltate, unde conditiile de credit sunt de multe ori negociate intre banca si solicitant, acest lucru fiind unul dintre drepturile solicitantului.
Ghetea a mai spus ca, desi recent a fost aprobat intr-un regulament de etica bancara ca solicitantului de credit sa i se dea la dispozitie cel mult 10 zile pentru studierea contractului, sunt putini romani care au folosit aceasta facilitate.
„De regula, clientii semneaza repede, mentionand ca au nevoie urgenta de bani si pleaca”, a mai spus Ghetea.
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