{"id":239,"date":"2016-03-01T09:15:38","date_gmt":"2016-03-01T09:15:38","guid":{"rendered":"http:\/\/www.cardidactic.ro\/?p=239"},"modified":"2016-03-01T09:16:39","modified_gmt":"2016-03-01T09:16:39","slug":"procedura-nr-1-privind-refinantarea-imprumuturilor-de-trei-ori-fondul-dar-nu-mai-mult-de-50-000-lei-pe-o-perioada-de-60-luni-cu-o-dobanda-de-10an-pentru-membrii-car-invatamant-cimpulun","status":"publish","type":"post","link":"https:\/\/www.cardidactic.ro\/?p=239","title":{"rendered":"PROCEDURA nr. 1  Privind REFINANTAREA IMPRUMUTURILOR (de trei ori fondul dar nu mai mult de 50 000 lei pe o perioada de  60  luni cu o dobanda de 10%\/an  pentru  membrii CAR INVATAMANT CIMPULUNG IFN"},"content":{"rendered":"<p><strong>C. A. R. IN<\/strong><strong>VATAMANT CIMPULUNG IFN<\/strong><\/p>\n<p><strong>Municipiul Campulung, Str. Negru Voda \u00a0Nr.86\u00a0 \u00a0Jud. Arges<\/strong><\/p>\n<p><strong>CUI: 11635637<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Data emiterii:<\/strong><\/p>\n<p><strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 28.02.2016<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>PROCEDURA nr.&#8211;&#8211;&#8211; 1 <\/strong><\/p>\n<p>Privind REFINANTAREA IMPRUMUTURILOR (<strong>de trei ori fondul dar nu mai mult de 50 000 lei pe o perioada de\u00a0 60\u00a0 luni cu o dobanda de 10%\/an<\/strong> \u00a0pentru<\/p>\n<p>membrii CAR INVATAMANT CIMPULUNG IFN<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Prezenta procedura stabileste cum se refinanteaza imprumuturile membrilor CAR INVATAMANT CIMPULUNG IFN.<\/p>\n<p>&nbsp;<\/p>\n<p>Baza emitere:<\/p>\n<p>&#8211; statutul CAR Invatamant Cimpulung IFN<\/p>\n<p>&nbsp;<\/p>\n<p>C. A. R.\u00a0 INVATAMANT CIMPULUNG IFN, dupa analiza efectuata la sfarsitul anului 2015, are urmatoarea situatie financiara:<\/p>\n<p>Fondul social la sfarsitul anului \u00a02015 este de 16.369.067 lei.<\/p>\n<p>Soldul contului de disponibilitati in banci este de 2.243.307 lei in depozite.<\/p>\n<p>Disponibilitatile in banci reprezinta 13.70% din fondul social. Legea prevede 10% disponibilitati din total active\u00a0 &#8211;\u00a0 unde intra si fondul social .<\/p>\n<p>In urma acestei analize, in Conferinta \u00a0din 18 februarie \u00a02016 s-a hotarat aprobarea tipurilor de imprumuturi ce se acorda in anul 2016 membrilor CAR, indeosebi celor care intampina dificultati in achitarea ritmica a ratelor la imprumuturile contractate.<\/p>\n<p>Membrii CAR INVATAMANT CIMPULUNG IFN, care doresc sa refinanteze imprumuturile, trebuie sa depuna o solicitare scrisa, adresata presedintelui, la sediul CAR INVATAMANT CIMPULUNG IFN.<\/p>\n<p>&nbsp;<\/p>\n<p>Refinantarea imprumuturilor se va efectua in urmatoarele conditii:<\/p>\n<p>&nbsp;<\/p>\n<p>&#8211; \u00a0se acorda membrilor CAR Invatamant Cimpulung IFN<strong> care au un imprumut in derulare cu o vechime de cel putin 6 luni;<\/strong><\/p>\n<p><strong>\u00a0\u00a0\u00a0 <\/strong>\u00a0\u00a0\u00a0&#8211; \u00a0suma acordata la refinantare \u00a0va fi de trei ori fondul &#8211; maxim 50.000 lei;<\/p>\n<p>&#8211;\u00a0 dobanda va fi de 10% pe an,<\/p>\n<p>&#8211; perioada de rambursare\u00a0 va fi de minim 24 luni pina la un \u00a0maxim 60 luni;<\/p>\n<p>&#8211; fondul se poate constitui pe loc, inclusiv pentru membrii noi cat si pentru cei care nu au fond constituit indestulator;<\/p>\n<p>&#8211; fondul se va constitui \u00a0din imprumutul acordat pentru cei care au nevoie de o suma mai mare de bani, in functie de istoricul imprumutatului, precum si daca ratele au fost platite la zi la imprumuturile pe care le-a avut in derulare;<\/p>\n<p>&#8211; valabilitatea ofertei este de la 03 martie \u00a02016 \u00a0pana la 27 aprilie 2016 (28 aprilie fiind ultima zi de plata).<\/p>\n<p>&nbsp;<\/p>\n<p>Solicitarea \u2013 Refinantare imprumut va avea urmatoarele anexe:<\/p>\n<ul>\n<li>adeverinta salariat;<\/li>\n<li>adeverinta salariat giranti;<\/li>\n<li>cerere refinantare.<\/li>\n<\/ul>\n<p>Pentru cei care doresc o suma mai mare la \u00a0refinantare si nu au fond suficient pot constitui fond din noul imprumut, salariatii CAR anexand la cererea de imprumut \u00a0&#8211;\u00a0 fisa clientului.<\/p>\n<p>Pentru membrii CAR care nu sunt salariati in sistemul bugetar si care solicita Refinantarea imprumuturilor,\u00a0 trebuie sa aduca cel putin un <strong>girant potent cu salariul mai mare decit rata imprumutului<\/strong>, salariat la institutii publice.<\/p>\n<p><strong>Dobanda la \u00a0imprumut\u00a0 se va achita in rate lunare sau trimestriale, dar sub nici-o forma toata odata<\/strong><strong>.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>Cererile sunt inregistrate la CAR INVATAMANT CIMPULUNG IFN si se analizeaza astfel:<\/p>\n<ul>\n<li>cererile primite de luni si pana miercuri inclusiv, se analizeaza miercuri la ora 16 de comitetul de credite, iar imprumuturile aprobate se achita joi;<\/li>\n<li>cererile inregistrate joi si vineri se analizeaza vineri la ora 16.30, iar cele aprobate se achita luni incepand cu ora 9.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Solicitarea va fi analizata de comitetul de credite in functie de urmatoarele aspecte:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>istoricul clientului (imprumuturile contractate, modul cum a achitat ratele);<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>problemele cu care se confrunta la data solicitarii refinantarii (caz social-somer, boala, copii de intretinut la studii, alte probleme de viata).<\/li>\n<\/ul>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<ul>\n<li><strong>Comitetul de credit va stabili pentru fiecare imprumut si numarul de giranti, indeosebi la imprumuturile care au inregistrat rate restante.<\/strong><\/li>\n<\/ul>\n<p><strong>\u00a0<\/strong><\/p>\n<ul>\n<li><strong>Salariatii CAR Invatamant vor anunta zilnic prin telefon, email, persoanele care inregistreaza rate restante la imprumuturile in derulare, in vederea refinantarii imprumuturilor daca acestia vor sa faca acest lucru.<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Presedinte,<\/p>\n<p>Ec. Oncioiu Nicusor<\/p>\n","protected":false},"excerpt":{"rendered":"<p>C. A. R. INVATAMANT CIMPULUNG IFN Municipiul Campulung, Str. Negru Voda \u00a0Nr.86\u00a0 \u00a0Jud. Arges CUI: 11635637 &nbsp; Data emiterii: \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 28.02.2016 &nbsp; \u00a0 PROCEDURA nr.&#8211;&#8211;&#8211; 1 Privind REFINANTAREA IMPRUMUTURILOR (de trei ori fondul dar nu mai mult de 50 000 lei pe o perioada de\u00a0 60\u00a0 luni cu o dobanda de 10%\/an \u00a0pentru membrii CAR [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[3],"tags":[],"class_list":["post-239","post","type-post","status-publish","format-standard","hentry","category-stiri_"],"_links":{"self":[{"href":"https:\/\/www.cardidactic.ro\/index.php?rest_route=\/wp\/v2\/posts\/239","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cardidactic.ro\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cardidactic.ro\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cardidactic.ro\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cardidactic.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=239"}],"version-history":[{"count":2,"href":"https:\/\/www.cardidactic.ro\/index.php?rest_route=\/wp\/v2\/posts\/239\/revisions"}],"predecessor-version":[{"id":241,"href":"https:\/\/www.cardidactic.ro\/index.php?rest_route=\/wp\/v2\/posts\/239\/revisions\/241"}],"wp:attachment":[{"href":"https:\/\/www.cardidactic.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=239"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cardidactic.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=239"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cardidactic.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=239"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}