Isarescu ne taie o treime din credit
Joi, 10 Iulie 2008, ora 00:32
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Cu alte cuvinte, la calculul
eligibilitatii, banca va folosi cea mai mare dobanda, cele mai mari comisioane,
dar si cel mai prost curs de schimb pe care l-a utilizat in ultimul an si
jumatate. Un calcul realizat de www.finzoom.ro pentru Cotidianul pe cazul real
al unei banci din Romania arata ca, pentru un solicitant cu venituri lunare de
2.000 de lei, valoarea creditului maxim de nevoi scade de la 17.853 de euro,
nivel aferent dobanzii promotionale de 8,95%, la 12.630 de euro in conditiile
cele mai dure din ultimele 18 luni.
La creditul ipotecar, o familie cu venituri
de 3.000 de euro va putea contracta doar 180.000 de euro in loc de 250.000 de
euro.
Aceste diferente sunt date doar de dobanda
si de comisioane. Daca luam in considerare si diferenta de curs valutar,
obtinem o depreciere de mai mult de 40% a creditului maxim.
Totusi, valoarea ratei lunare platibile de
catre client va fi calculata, asa cum este si normal, in conditiile actuale de
piata, procedura de stress testing vizand doar creditul maxim ce poate fi
obtinut. Mai mult, BNR modifica si modul de justificare si de verificare a
veniturilor lunare obtinute. „Imprumutatorii analizeaza capacitatea de
rambursare a clientilor pe baza unui nivel al veniturilor certe cu caracter de
permanenta care nu-l poate depasi cu mai mult de 20% pe cel declarat fiscal in
anul anterior, documentate“, arata documentul emis de banca centrala.
Bancherii si analistii financiari se pun de
acord in ceea ce priveste eficienta masurilor BNR, iar unii sunt chiar radicali
in opiniile contrare acestei decizii. „Sa impui un curs de 20 de lei pe euro
pentru calculul creditului maxim este o chestiune care tine de domeniul
absurdului. BNR a dorit sa intre in cartea ridicolului. Orice institutie de
credit care se respecta poate merge cu aceasta decizie la Curtea Suprema de
Justitie sau chiar la institutiile europene“, spune, de exemplu, consultantul
financiar Bogdan Baltazar.
Analistii bancilor spun la unison ca masura
BNR va avea efecte importante, insa doar pe termen scurt. „Aceasta este o
restrictie care va avea impact. In general, restrictiile legate de gradul de
indatorare sunt singurele care functioneaza. Provizioanele sau alte
reglementari se pot dribla. Era iminenta aparitia unor masuri si nu este exclus
sa apara si altele“, apreciaza seful Departamentului de cercetare din cadrul
Raiffeisen Bank, Ionut Dumitru.
„Masurile administrative de acest tip au
impact, de obicei, pe termen scurt, de la sase luni la un an. Apoi, bancile
gasesc mijloace de ocolire a acestora“, spune Nicolae Alexandru-Chisdeciuc,
senior economist al ING Bank, citat de MEDIAFAX. Aceeasi opinie o are si
presedintele Bancpost, Mihai Bogza, care vede totusi posibile efecte mai grave
asupra mediului bancar romanesc.
Sursa: Business24