Finante-Banci
Ce poti pierde la ruleta creditului
Pierderea locuintei folosite drept garantie nu este cel mai grav lucru care li se poate intampla restantierilor. Banca poate cere bani in plus sau poate trece si la vanzarea altor bunuri.
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Trei situatii pot aparea in cazul unei executari silite. Prima: pretul de vanzare a bunului este mai mare decat datoria, caz in care diferenta este returnata clientului.
In cea de-a doua situatie, „suma obtinuta prin vanzarea garantiei in cadrul procedurii de executare silita sa fie mai mica decat creanta bancii”, arata juristii Piraeus Bank. Atunci, banca va solicita datornicului o suma de bani egala cu diferenta dintre pretul de vanzare a bunului si creanta clientului catre banca sau va trece la executarea altor bunuri ale acestuia.
O a treia ipostaza identificata de juristii bancilor include posibilitatea ca, pe parcursul licitatiei publice, sa apara si fraude: banca isi adjudeca direct imobilul, pentru ca participantii la licitatie sa nu il cumpere sub pretul de pornire, folosindu-se de regulile licitatiei, arata Capital.
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