Finante-Banci
Cum justifica bancile comisioanele de rambursare anticipata si retragere de fonduri: Cash-ul e foarte scump
Comisioanele de rambursare anticipata trebuie mentinute de catre banci pentru ca acestea acopera costurile pe care trebuie sa le suporte banca prin faptul ca nu are unde sa plaseze imediat banii ce i-au fost rambursati inainte de termen, a spus marti Radu Ghetea (foto), presedintele Asociatiei Romane a Bancilor (ARB).
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De asemenea, comisionul de retragere numerar din conturile proprii este justificat in conditiile in care pentru a face rost de cash, banca trebuie sa cumpere de la BNR, daca e vorba de o suma in lei, sau de la banca straina daca e vorba de o suma in valuta, iar pentru acesti bani, plateste un comision.
Presedintele ARB a mai spus ca, in sistemul bancar local, foarte multe din tranzactii se fac pe baza de cash, ceea ce le costa mult pe banci.
„Am observat insa in ultima vreme o crestere accelerata a utilizarii cardului si internet-bankingului, ceea ce creeaza perspectiva scaderii comisioanelor practicate de banci”, a mai spus Ghetea.
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