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	<title>ReFinantare &#187; norme creditare</title>
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	<link>http://blog.refinantare.com</link>
	<description>Despre finantari si refinantari</description>
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		<title>Comision de rambursare anticipată 0,5% &#8211; 1%</title>
		<link>http://blog.refinantare.com/2009/10/comision-de-rambursare-anticipata-05-1/</link>
		<comments>http://blog.refinantare.com/2009/10/comision-de-rambursare-anticipata-05-1/#comments</comments>
		<pubDate>Mon, 19 Oct 2009 12:30:59 +0000</pubDate>
		<dc:creator>HoldaFinance</dc:creator>
				<category><![CDATA[Banci]]></category>
		<category><![CDATA[Stiri]]></category>
		<category><![CDATA[brokeri de credit]]></category>
		<category><![CDATA[comisioane]]></category>
		<category><![CDATA[comision de rambursare anticipata]]></category>
		<category><![CDATA[credite]]></category>
		<category><![CDATA[credite de consum]]></category>
		<category><![CDATA[norme creditare]]></category>

		<guid isPermaLink="false">http://blog.refinantare.com/?p=163</guid>
		<description><![CDATA[Legislatia trebuie armonizata, in opt luni, cu directiva creditelor de consum Directiva Comisiei Europene referitoare la creditul de consum va trebui transpusa in legislatia romaneasca pana pe 11 iunie 2010. Ea se refera exclusiv la im­pru­muturile cu o valoare cuprinsa intre 200-70.000 de euro. Actul normativ va fi initiat sub forma de lege pana la [...]]]></description>
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		<title>Credite relaxate?</title>
		<link>http://blog.refinantare.com/2009/02/credite-relaxate/</link>
		<comments>http://blog.refinantare.com/2009/02/credite-relaxate/#comments</comments>
		<pubDate>Thu, 19 Feb 2009 10:43:48 +0000</pubDate>
		<dc:creator>HoldaFinance</dc:creator>
				<category><![CDATA[Banci]]></category>
		<category><![CDATA[Stiri]]></category>
		<category><![CDATA[Alpha Bank]]></category>
		<category><![CDATA[BCR]]></category>
		<category><![CDATA[GE Money]]></category>
		<category><![CDATA[norme creditare]]></category>
		<category><![CDATA[Piraeus Bank]]></category>
		<category><![CDATA[Raiffeisen Bank]]></category>

		<guid isPermaLink="false">http://blog.refinantare.com/?p=100</guid>
		<description><![CDATA[Până acum, doar patru bănci au decis să îşi modifice normele de creditare după ce Banca Naţională a amendat regulamentul. Este vorba despre BCR, Raiffeisen Bank, Alpha Bank şi Piraeus cărora li se adaugă Instituţia Financiară Nebancară GE Money. În procesul de aprobare se mai află şi normele de creditare ale UniCredit Ţiriac şi Banca [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Relaxarea creditelor ipotecare</title>
		<link>http://blog.refinantare.com/2009/01/relaxarea-creditelor-ipotecare/</link>
		<comments>http://blog.refinantare.com/2009/01/relaxarea-creditelor-ipotecare/#comments</comments>
		<pubDate>Thu, 15 Jan 2009 15:59:25 +0000</pubDate>
		<dc:creator>HoldaFinance</dc:creator>
				<category><![CDATA[Stiri]]></category>
		<category><![CDATA[Banci]]></category>
		<category><![CDATA[credite]]></category>
		<category><![CDATA[grad de indatorare]]></category>
		<category><![CDATA[norme creditare]]></category>

		<guid isPermaLink="false">http://blog.refinantare.com/2009/01/93/</guid>
		<description><![CDATA[BNR a decis o &#8220;diferenţiere de prudenţialitate&#8221; între creditele ipotecare şi cele de nevoi personale, care va permite populaţiei un grad de îndatorare mai ridicat pentru împrumuturile garantate ipotecar, a declarat, pentru NewsIn, Napoleon Pop, membru în Consiliul de Administraţie al BNR. De aici.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Modificari regulament privind creditarea populatiei</title>
		<link>http://blog.refinantare.com/2009/01/modificari-regulament-privind-creditarea/</link>
		<comments>http://blog.refinantare.com/2009/01/modificari-regulament-privind-creditarea/#comments</comments>
		<pubDate>Mon, 12 Jan 2009 17:27:15 +0000</pubDate>
		<dc:creator>CreditBroker</dc:creator>
				<category><![CDATA[Stiri]]></category>
		<category><![CDATA[Banci]]></category>
		<category><![CDATA[brokeri de credit]]></category>
		<category><![CDATA[credite]]></category>
		<category><![CDATA[grad de indatorare]]></category>
		<category><![CDATA[norme creditare]]></category>
		<category><![CDATA[retail]]></category>

		<guid isPermaLink="false">http://blog.refinantare.com/?p=91</guid>
		<description><![CDATA[Consiliul de Administratie al Bancii Nationale a Romaniei (BNR) va decide in aceasta saptamana eventualele modificari ale regulamentului privind creditarea populatiei in ceea ce priveste imprumuturile ipotecare. Reprezentantii BNR si Consiliul de Administratie al Asociatiei Romane a Bancilor (ARB) s-au intalnit, la sfarsitul saptamanii trecute, pentru a discuta propunerile de modificare a regulamentului privind creditarea [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>OTP Bank strage surubul creditelor &#8211; pentru unii</title>
		<link>http://blog.refinantare.com/2008/10/otp-bank-strage-surubul-creditelor-pentru-unii/</link>
		<comments>http://blog.refinantare.com/2008/10/otp-bank-strage-surubul-creditelor-pentru-unii/#comments</comments>
		<pubDate>Fri, 17 Oct 2008 18:28:52 +0000</pubDate>
		<dc:creator>HoldaFinance</dc:creator>
				<category><![CDATA[Banci]]></category>
		<category><![CDATA[Stiri]]></category>
		<category><![CDATA[brokeri de credit]]></category>
		<category><![CDATA[credite]]></category>
		<category><![CDATA[norme creditare]]></category>
		<category><![CDATA[OTP Bank]]></category>

		<guid isPermaLink="false">http://blog.refinantare.com/?p=56</guid>
		<description><![CDATA[OTP Bank anunta ca doreste sa se concentreze pe sporirea calitatii portofoliului de clienti si adopta cu caracter temporar o serie de masuri menite, in viziunea lor, sa asigure un risc mai redus de creditare. Astfel: procentul maxim de finantare se reduce la 50% din valoarea unui imobil. Aceasta inseamna, spus altfel: credite ipotecare cu [...]]]></description>
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		<title>Un fel de noi norme de creditare la Alpha Bank</title>
		<link>http://blog.refinantare.com/2008/10/un-fel-de-noi-norme-de-creditare-la-alpha-bank/</link>
		<comments>http://blog.refinantare.com/2008/10/un-fel-de-noi-norme-de-creditare-la-alpha-bank/#comments</comments>
		<pubDate>Thu, 16 Oct 2008 12:40:42 +0000</pubDate>
		<dc:creator>HoldaFinance</dc:creator>
				<category><![CDATA[Banci]]></category>
		<category><![CDATA[Stiri]]></category>
		<category><![CDATA[Alpha Bank]]></category>
		<category><![CDATA[credite]]></category>
		<category><![CDATA[fisa fiscala]]></category>
		<category><![CDATA[grad de indatorare]]></category>
		<category><![CDATA[norme creditare]]></category>

		<guid isPermaLink="false">http://blog.refinantare.com/?p=53</guid>
		<description><![CDATA[Alpha Bank a anuntat ca din 16 octombrie modifica procedura de acordare a creditelor. Principalele noutati sunt: * grad maxim de indatorare: 50% * solicitantii care realizeaza venituri din salarii trebuie sa ataseze la dosar si fisa fiscala aferenta anului precedent. Ultima conditie pare sa fie in concordanta cu modificarile anuntate de Banca Nationala, anume [...]]]></description>
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