Finante-Banci
Creditele OTP Bank permit un grad de indatorare de 70% si avans zero
OTP Bank Romania a primit avizul bancii centrale pentru normele proprii de creditare care prevad un grad maxim de indatorare de 70% si un avans ce variaza intre 0 si 20%, in functie de profilul de risc al fiecarui client, anunta banca.
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Pentru obtinerea unui imprumut cat mai mare, clientii pot apela la maxim 3 coplatitori pentru calculul veniturilor cumulate. In cazul creditelor cu garantie ipotecara, coplatitorii nu trebuie sa aiba acelasi domiciliu cu al solicitantului principal al creditului.
Valoarea cheltuielilor de subzistenta luate in considerare de OTP Bank Romania, pentru calculul gradului de indatorare, se ridica la valoarea de 245 lei de persoana.
Banca a inceput deja procedura de adaptare a sistemului informatic propriu la noile norme, urmand ca, in curand, sa demareze acordarea de imprumuturi dupa noile norme.
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