{"id":1364,"date":"2024-08-27T13:22:13","date_gmt":"2024-08-27T10:22:13","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=1364"},"modified":"2026-06-03T10:24:33","modified_gmt":"2026-06-03T07:24:33","slug":"cum-putem-evita-sa-ajungem-in-incapacitate-de-plata","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/cum-putem-evita-sa-ajungem-in-incapacitate-de-plata\/","title":{"rendered":"Cum putem evita s\u0103 ajungem \u00een incapacitate de plat\u0103"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 6<\/span> minute<\/span><\/span>

Una din cele mai mari frici ale oamenilor atunci c\u00e2nd au un credit mare pe termen lung este c\u0103 s-ar putea s\u0103 nu poat\u0103 pl\u0103ti rata la apartament \u0219i s\u0103 ajung\u0103 \u00een incapacitate de plat\u0103. Este normal s\u0103 lu\u0103m \u00een calcul \u0219i poten\u021biale pericole \u00een acest sens. Astfel, ne-am g\u00e2ndit la c\u00e2teva modalit\u0103\u021bi prin care oamenii s\u0103 reduc\u0103 riscul unui astfel de eveniment.<\/span><\/p>\n

Care ar putea fi principalele cauze care s\u0103 duc\u0103 la incapacitatea de plat\u0103<\/strong><\/h2>\n

Din interac\u021biunile noastre cu clien\u021bii \u0219i cu b\u0103ncile am reu\u0219it s\u0103 afl\u0103m care sunt principalele motive pentru care cineva ar putea ajunge s\u0103 nu \u00ee\u0219i poat\u0103 pl\u0103ti rata:<\/span><\/p>\n

1. Managementul defectuos al banilor<\/strong><\/p>\n

Acesta este probabil principalul motiv pentru care oamenii ajung s\u0103 nu \u00ee\u0219i mai poat\u0103 achita ratele. \u00cen r\u00e2ndurile de mai jos vom veni cu c\u00e2teva sugestii pentru a redob\u00e2ndi controlul asupra cheltuielilor.<\/span><\/p>\n

2. \u00cendatorarea prin credite mici, pe termene scurte, cu dob\u00e2nzi mari pentru bunuri de larg consum.<\/strong> <\/span><\/p>\n

De obicei, atunci c\u00e2nd lu\u0103m un credit ipotecar, ne \u00eendator\u0103m la gradul maxim posibil. Singurele care mai dau credite in astfel de condi\u021bii sunt<\/span> IFN-urile<\/span><\/a> care acord\u0103 sume mici, cu dob\u00e2nzi mari. De cele mai multe ori, clien\u021bii se trezesc prin\u0219i \u00eentr-o situa\u021bie f\u0103r\u0103 ie\u0219ire \u0219i tot ce pot face e s\u0103 \u201drostogoleasc\u0103\u201d aceste microcredite.<\/span><\/p>\n

3. Cheltuieli neprev\u0103zute<\/strong><\/p>\n

Statisticile ne spun ca 80% dintre noi avem cel pu\u021bin o cheltuial\u0103 urgent\u0103 \u0219i neprev\u0103zut\u0103 pe an care ne dep\u0103\u0219e\u0219te bugetul. Cu to\u021bii ne-am confruntat cel pu\u021bin odat\u0103 cu o astfel de situa\u021bie.<\/span><\/p>\n

4. Pierderea locului de munc\u0103<\/strong><\/p>\n

Pierderea locului de munc\u0103 poate fi un episod traumatizant \u0219i destabilizator pentru mul\u021bi dintre noi. Tr\u0103im intr-o er\u0103 a schimb\u0103rilor \u0219i oamenii sunt nevoi\u021bi s\u0103 fie tot mai adaptabili. Economia se transforma \u00eentr-un ritm alert. Apar noi oportunit\u0103\u021bi dar \u0219i noi \u00eengrijor\u0103ri.<\/span><\/p>\n

5. Cre\u0219terea ratei<\/strong><\/p>\n

Pie\u021bele financiare reac\u021bioneaz\u0103 la orice stimul din jur. Dob\u00e2nzile pot fi afectate de politici guvernamentale, de factori sociali, de evenimente geopolitice, de pandemii sau cataclisme. Indicii de referin\u021b\u0103 nu r\u0103m\u00e2n liniari pe termen mediu \u0219i lung \u0219i este important s\u0103 con\u0219tientiz\u0103m acest aspect.<\/span><\/p>\n

Acestea sunt doar c\u00e2teva exemple de situa\u021bii \u00een care ne-am putea reg\u0103si dar lista este lung\u0103. <\/span><\/p>\n

Ce am putea face pentru a atenua riscul de a ajunge \u00een incapacitate de plat\u0103?<\/strong><\/h2>\n

1. Metode de combatere a managementului defectuos al banilor<\/strong><\/p>\n

Primul pas pentru a \u021bine cheltuielile sub control este con\u0219tientizarea, de aceea o form\u0103 de \u021binere a eviden\u021bei este esen\u021bial\u0103. Multe b\u0103nci au in aplica\u021bie grafice care ne arat\u0103 la ce nivel suntem cu cheltuielile \u0219i \u00eencas\u0103rile.<\/span><\/p>\n

Din fericire exista numeroase sfaturi chiar bune, cursuri, clipuri \u0219i podcasturi pe internet sau c\u0103r\u021bi care s\u0103 ajute oamenii s\u0103 \u021bin\u0103 \u00een fr\u00e2u dorin\u021ba de a achizi\u021biona bunuri pe care nu \u0219i le permit \u0219i de care nici nu au prea mare nevoie. V\u0103 \u00eencuraj\u0103m s\u0103 explora\u021bi materialele publicate in acest sens.<\/span><\/p>\n

2. Evitarea \u00eendator\u0103rii prin micro credite cu dob\u00e2nzi mari<\/strong> <\/span><\/p>\n

Aceasta se poate face constituindu-ne o rezerv\u0103 de bani sau printr-o descoperire de card de la banc\u0103 la care ne \u00eencas\u0103m salariul, aceasta fiind o alternativ\u0103 mai bun\u0103. O alt\u0103 metod\u0103 ar fi conturile de economii sau fondurile de investi\u021bii din portofoliile b\u0103ncilor prin care s\u0103 ne str\u00e2ngem o rezerv\u0103 de bani.<\/span><\/p>\n

3. Preg\u0103tirea pentru cheltuielile neprev\u0103zute<\/strong><\/p>\n

Cheltuielile neprev\u0103zute fac parte din via\u021ba cotidian\u0103. C\u0103 vorbim de o problem\u0103 de s\u0103n\u0103tate, de repararea ma\u0219inii sau repara\u021bii \u00een cas\u0103, o solu\u021bie foarte bun\u0103 sunt asigur\u0103rile. Asigur\u0103ri private de s\u0103n\u0103tate, casco \u00een cazul ma\u0219inii sau asigurarea facultativ\u0103 pentru imobil, s-au dovedit a fi extrem de utile c\u00e2nd avem mai mare nevoie. De\u0219i nu credeam vreodat\u0103 c\u0103 vom avea cu adev\u0103rat nevoie de ele atunci c\u00e2nd le facem, asigur\u0103rile pot fi plasa noastr\u0103 de siguran\u021b\u0103.<\/span><\/p>\n

4. Atenuarea impactului pierderii locului de munc\u0103<\/strong><\/p>\n

Pierderea locului de munc\u0103<\/span> poate avea un impact mai redus dac\u0103 avem o asigurare de \u0219omaj. Majoritatea b\u0103ncilor au ata\u0219ate la creditele ipotecare \u0219i o asigurare de via\u021b\u0103 care acoper\u0103 \u0219i invaliditatea totala sau par\u021bial\u0103 dar \u0219i \u0219omajul. Asiguratorul angaj\u00e2ndu-se s\u0103 pl\u0103teasc\u0103 rata pentru c\u00e2teva luni in cazul producerii evenimentului asigurat. O rezerv\u0103 de bani pentru zile negre este \u0219i aceasta o solu\u021bie foarte bun\u0103.<\/span><\/p>\n

5. Protec\u021bia fa\u021b\u0103 de cre\u0219terea ratelor<\/strong><\/p>\n

Refinan\u021barea<\/span> <\/a><\/b>sau renegocierea dob\u00e2nzii, contractarea unui credit cu dob\u00e2nd\u0103 fix\u0103 \u00een primii ani sau prin constituirea unei rezerve de bani intr-o moned\u0103 de refugiu, rezistent\u0103 la \u0219ocurile de pe pie\u021bele financiare. Francul elve\u021bian (CHF) s-a dovedit \u00een timp a fi o foarte bun\u0103 moned\u0103 de refugiu.<\/p>\n

Concluzie<\/strong><\/h2>\n

Nu exist\u0103 o formul\u0103 magic\u0103 prin care s\u0103 ne protej\u0103m de orice risc, dar putem face lucruri prin care s\u0103 ne asigur\u0103m un confort in fa\u021ba riscului. Existen\u021ba riscului nu \u00eenseamn\u0103 \u00eentotdeauna c\u0103 solu\u021bia e fuga de el ci c\u0103 necesit\u0103 o mai bun\u0103 gestionare.<\/span><\/p>\n

O atitudine preventiv\u0103 poate face o mare diferen\u021b\u0103 \u00een vie\u021bile noastre. Constituirea unei rezerve, asigur\u0103rile, o mai bun\u0103 gestionare a banilor, se pot dovedi a fi obiceiuri salvatoare.<\/span><\/p>\n

\u00centreb\u0103ri frecvente<\/strong><\/h2>\n

Ce pot face dac\u0103 am ajuns la punctul \u00een care nu mai pot achita ratele?<\/strong><\/h3>\n

In general, sunt mul\u021bi pa\u0219i pe care \u00eei putem face pentru a evita acest lucru, dar dac\u0103 am ajuns la acel punct, primul lucru pe care trebuie s\u0103 \u00eel facem este s\u0103 ne adres\u0103m b\u0103ncii la care avem creditul. Putem cere o am\u00e2nare, putem vedea dac\u0103 asigurarea pe care o avem la credit acoper\u0103 riscul care a dus la incapacitatea de plat\u0103 sau putem stabili cu banca un plan de redresare.<\/span><\/p>\n

Care sunt \u0219ansele s\u0103 ajung \u00een incapacitate de plat\u0103 pe parcursul derul\u0103rii creditului?<\/strong><\/h3>\n

C\u00e2nd vine vorba de un credit pentru locuin\u021b\u0103, oamenii sunt mult mai responsabili dec\u00e2t la orice alt tip de datorie. Acest lucru contribuie mult la o rat\u0103 a defaultului sc\u0103zut\u0103. <\/span>Avansul <\/b><\/a>de dat la achizi\u021bionarea imobilului, limitarea gradului de \u00eendatorare, verificarea comportamentului de plat\u0103, \u0219i multe alte precau\u021bii au rolul de a preveni astfel de evenimente. De asemenea, \u00een cazul unor crize economice, Banca Na\u021bional\u0103 ac\u021bioneaz\u0103 pe pie\u021be prin p\u00e2rghiile de care dispune pentru a proteja moneda na\u021bional\u0103, inclusiv folosind rezerva valutar\u0103 de care dispune.\u00a0<\/span><\/p>\n

Ca ultim\u0103 m\u0103sur\u0103, pot apela la darea \u00een plat\u0103?<\/strong><\/h3>\n

Darea \u00een plat\u0103 este o m\u0103sur\u0103 reglementat\u0103 de legea 77\/2016 cu modific\u0103ri ulterioare. Cu toate c\u0103 este \u00een vigoare de mult timp, exist\u0103 o rat\u0103 foarte sc\u0103zut\u0103 a d\u0103rii \u00een plat\u0103 \u00een r\u00e2ndul clien\u021bilor cu credite ipotecare. <\/span><\/p>\n

Pentru o bun\u0103 informare pe acest subiect este recomandat a se lua leg\u0103tura cu banca sau cu un avocat specializat. Solicitarea d\u0103rii \u00een plat\u0103 se face prin intermediul unui executor judec\u0103toresc, al unui avocat sau al unui notar public a\u0219a cum prevede articolul 5 , alin 1 din lege.<\/span><\/p>\n

Iat\u0103 c\u00e2teva condi\u021bii extrase din lege pe care trebuie s\u0103 le \u00eendeplineasc\u0103 clientul care dore\u0219te s\u0103 foloseasc\u0103 darea \u00een plat\u0103:<\/span><\/p>\n

Astfel, la articolul <\/i><\/span>Art. 4<\/i>. <\/b><\/a>–<\/a><\/p>\n

(1)<\/span><\/i> Pentru stingerea crean\u0163ei izvor\u00e2nd dintr-un contract de credit \u015fi a accesoriilor sale prin dare \u00een plat\u0103 trebuie \u00eendeplinite, \u00een mod cumulativ, urm\u0103toarele condi\u0163ii:<\/span><\/i><\/p>\n

a)<\/i>creditorul \u015fi consumatorul fac parte din categoriile prev\u0103zute la art. 1 alin<\/i> (1)<\/a><\/b><\/span><\/i>, astfel cum acestea sunt definite de legisla\u0163ia special\u0103;<\/i><\/p>\n

b)<\/i>cuantumul sumei \u00eemprumutate, la momentul acord\u0103rii, nu dep\u0103\u015fea echivalentul \u00een lei al 250.000 euro, sum\u0103 calculat\u0103 la cursul de schimb publicat de c\u0103tre Banca Na\u0163ional\u0103 a Rom\u00e2niei \u00een ziua \u00eencheierii contractului de credit;<\/i><\/p>\n

c)<\/i>creditul a fost contractat de consumator cu scopul de a achizi\u0163iona, construi, extinde, moderniza, amenaja, reabilita un imobil cu destina\u0163ie de locuin\u0163\u0103 sau, indiferent de scopul pentru care a fost contractat, este garantat cu cel pu\u0163in un imobil av\u00e2nd destina\u0163ia de locuin\u0163\u0103;<\/i><\/p>\n

d)<\/i>consumatorul s\u0103 nu fi fost condamnat printr-o hot\u0103r\u00e2re definitiv\u0103 pentru infrac\u0163iuni \u00een leg\u0103tur\u0103 cu creditul pentru care se solicit\u0103 aplicarea prezentei legi.<\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

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