Creditul imobiliar revine in actualitate
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Dupa o perioada in care creditul ipotecar a domnit lejer pe piata creditelor pentru locuinte, normele restrictive adoptate de BNR incepand cu 1 februarie au readus in actualitate creditul imobiliar ca
Dupa o perioada in care creditul ipotecar a domnit lejer pe piata creditelor pentru locuinte, normele restrictive adoptate de BNR incepand cu 1 februarie au readus in actualitate creditul imobiliar ca o alternativa viabila. Modificarea legii creditului ipotecar cu cerintele prohibitive privind veniturile nete ale imprumutatului au redus deja semnificativ cererea pe acest segment. Acesta a fost si semnalul pentru bancile comerciale de a readuce in atentie celalalt tip de credit pentru locuinte sau constructia unei locuinte, creditul imobiliar. Modificarile legislative nu au sub incidenta acest tip de credit, fiind un produs bancar care se acorda in baza Codului Civil. Chiar daca BNR a transmis ulterior o recomandare bancilor comerciale prin care solicita acestora sa tina cont de noile norme si atunci cand aproba un credit imobiliar, bancile comerciale nu sunt obligate sa tina cont de noile reglementari. Potrivit Codului Civil, familia reprezinta toate rudele care gospodaresc impreuna, ca atare veniturile acestora pot fi luate in calcul la intocmirea dosarului de credit. Este adevarat ca in cazul creditului imobiliar unele banci solicita existenta unui girant, iar cuantumul asigurarilor de viata atunci cand ceilalti membri ai familiei au calitatea de coplatitori maresc costurile aferente creditului. In schimb, creditul imobiliar prezinta avantajul ca valoarea creditului contractat poate fi mai mare.
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