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Economic
BNR LIMITEAZĂ CREDITAREA

Banca Națională limitează de la 1 ianuarie gradul de îndatorare a românilor. Nivelul maxim va fi de 40% din venitul net la creditele în lei şi 20% la cele în valută. În același timp pentru creditele aferente achiziţionării primei locuinţe rata maximă de îndatorare este majorată cu 5 puncte procentuale.

Consiliul de Administraţie al BNR a adoptat ieri, noi condiții de creditare pentru români, stabilind noi limite privind nivelul maxim al gradului de îndatorare. Conform noilor prevederi, la creditele în lei, nivelul maxim al gradului de îndatorare va fi de 40% din venitul net, iar pentru creditele în valută va fi de cel mult 20 la sută. Noile limite se vor aplica din 1 ianuarie 2019.

Potrivit BNR, toate solicitările de credit formulate înainte de 1 ianuarie, inclusiv cele aferente unor programe guvernamentale adresate clienţilor persoane fizice, precum programul Prima Casă, se soluţionează pe baza reglementării de la momentul depunerii cererii la bancă, chiar dacă acordarea creditului are loc după 1 ianuarie 2019.

Impactul noului regulament asupra nivelului ratelor maxime contractate de debitori va arăta astfel: pentru o persoană cu un venit net de 3.000 de lei, rata lunară maximă este de 1.413 lei până la 31 decembrie 2018, urmând ca de la 1 ianuarie 2019 să nu depăşească 1.200 de lei.

În ceea ce priveşte îndatorarea la nivel individual pe segmentul creditelor ipotecare, media pieţei până la 31 decembrie este de 47% urmând ca, după 1 ianuarie, să scadă la 40% -45% pentru prima locuinţă). De asemenea, la creditele de consum, gradul de îndatorare la nivel individual este de 45% urmând să se reducă la 40% din 2019.
Prin modificarea regulamentului se dorește simplificarea accesului la credite al persoanelor fizice şi protejarea populaţiei cu venituri medii şi cu venituri sub valorile medii în sensul îmbunătăţirii capacităţii de plată, pentru creditare sănătoasă.

De asemenea, va fi redusă birocraţia bancară pentru acordarea unei credit.

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