{"id":897,"date":"2022-11-21T14:57:47","date_gmt":"2022-11-21T13:57:47","guid":{"rendered":"http:\/\/recover.jellyfishcreativestudio.be\/?p=897"},"modified":"2025-03-21T14:11:20","modified_gmt":"2025-03-21T13:11:20","slug":"cum-se-evita-supra-indatorare","status":"publish","type":"post","link":"https:\/\/www.recover.eu\/ro\/sfat\/cum-se-evita-supra-indatorare\/","title":{"rendered":"Cum s\u0103 evita\u021bi supra\u00eendatorarea?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u00cendatorarea excesiv\u0103 este definit\u0103 ca incapacitatea de a rambursa toate datoriile integral \u0219i la timp. Acest lucru se \u00eent\u00e2mpl\u0103 atunci c\u00e2nd venitul net al unei gospod\u0103rii este insuficient pentru a-\u0219i acoperi cheltuielile recurente pe o perioad\u0103 de \u0219ase luni consecutive. Aceasta este o situa\u021bie financiar\u0103 nefavorabil\u0103 \u0219i persistent\u0103 care ar putea duce la ac\u021biuni \u00een justi\u021bie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Care sunt cauzele supra\u00eendator\u0103rii?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cendatorarea excesiv\u0103 nu se \u00eent\u00e2mpl\u0103 niciodat\u0103 \u00eent\u00e2mpl\u0103tor. Se pot distinge dou\u0103 cauze principale care duc la aceast\u0103 situa\u021bie:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>motive personale (gestiune deficitar\u0103 a bugetului, urm\u0103rirea unui statut social superior, boal\u0103, accident sau v\u0103t\u0103mare, dependen\u021b\u0103 etc.)<\/li>\n\n\n\n<li>motive sociale (infla\u021bie, \u0219omaj, salarii mai mici, pl\u0103\u021bi \u00eent\u00e2rziate etc.)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Putem spune a\u0219adar c\u0103 exist\u0103 dou\u0103 tipuri de supra\u00eendatorare: supra\u00eendatorarea \u201epasiv\u0103\u201d, cauzat\u0103 de \u0219omaj \u0219i alte evenimente bru\u0219te care fac imposibil\u0103 rambursarea unei datorii; \u0219i supra\u00eendatorarea \u201eactiv\u0103\u201d, rezultat al \u00eendator\u0103rii peste capacit\u0103\u021bile sale de plat\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Datoriile pot fi calificate ca:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>cum ar fi chiria, electricitatea \u0219i facturile de internet \u0219i toate costurile de renovare a casei.<\/li>\n\n\n\n<li>datorii sub form\u0103 de credit ipotecar, credit de consum sau credit auto. Aceasta implic\u0103 \u00eemprumutul de bani care vor fi rambursa\u021bi lunar cu dob\u00e2nd\u0103.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Simplul fapt de a fi nevoit s\u0103 ramburseze un \u00eemprumut sau de a \u00eent\u00e2mpina dificult\u0103\u021bi financiare temporare nu \u00eenseamn\u0103 c\u0103 e\u0219ti supra\u00eendatorat. Se \u00eent\u00e2mpl\u0103 multor oameni. Deci nu intra\u021bi \u00een panic\u0103! \u00cemprumuturile nu sunt un inamic, de\u0219i este important s\u0103 recunoa\u0219tem c\u0103 supra\u00eendatorarea poate fi cauzat\u0103 de abuzul lor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cenainte de a contracta un \u00eemprumut din orice motiv, asigura\u021bi-v\u0103 c\u0103 ave\u021bi o idee clar\u0103 despre cum va ar\u0103ta bugetul dvs. disponibil ulterior. Pune-\u021bi o \u00eentrebare simpl\u0103: \u201eEste venitul meu suficient pentru a-mi acoperi at\u00e2t cheltuielile de trai, c\u00e2t \u0219i ramburs\u0103rile \u00eemprumutului?\u201d &quot;. Ve\u021bi avea suficien\u021bi bani pentru cheltuielile necesare, cum ar fi chiria, alimentele \u0219i facturile casnice? Dac\u0103 r\u0103spunsul este nu, risca\u021bi s\u0103 intra\u021bi \u00een supra\u00eendatorare \u0219i cu siguran\u021b\u0103 ar trebui s\u0103 v\u0103 g\u00e2ndi\u021bi de dou\u0103 ori \u00eenainte de a semna.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pentru a \u0219ti dac\u0103 sunte\u021bi expus riscului de supra\u00eendatorare, trebuie mai \u00eent\u00e2i s\u0103 v\u0103 cunoa\u0219te\u021bi rata de \u00eendatorare, adic\u0103 venitul lunar \u00een raport cu totalul cheltuielilor lunare. Acest raport \u00eel calculezi \u00eensum\u00e2nd datoriile pentru o anumit\u0103 lun\u0103 (chirii, facturi \u0219i \u00eemprumuturi) \u0219i compar\u00e2ndu-le cu venitul lunar net. \u00cen general, un raport al datoriei peste 50% din venitul t\u0103u disponibil implic\u0103 un risc de supra\u00eendatorare. Chiar \u0219i o rat\u0103 a datoriei peste 30% este \u00eengrijor\u0103toare \u0219i necesit\u0103 pruden\u021b\u0103! De asemenea, rata 33% este luat\u0103 \u00een considerare sistematic de c\u0103tre b\u0103nci \u00eenainte de acordarea creditului.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Iat\u0103 c\u00e2teva sfaturi utile pentru a v\u0103 ajuta s\u0103 v\u0103 controla\u021bi finan\u021bele personale \u0219i s\u0103 evita\u021bi supra\u00eendatorarea:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Economisi\u021bi c\u00e2t mai mul\u021bi bani. Pune bani deoparte \u00een mod regulat. Ve\u021bi putea face fa\u021b\u0103 mult mai u\u0219or cheltuielilor incidentale \u0219i neprev\u0103zute.<\/li>\n\n\n\n<li>Limita\u021bi cheltuielile inutile. Reduce\u021bi nivelul de trai actual \u0219i cump\u0103ra\u021bi doar ceea ce este necesar. Profit\u0103 de oferte speciale la achizi\u021biile tale esen\u021biale. Revizui\u021bi-v\u0103 cheltuielile \u0219i alege\u021bi ceea ce nu pute\u021bi face f\u0103r\u0103, chiar \u0219i temporar, p\u00e2n\u0103 c\u00e2nd finan\u021bele sunt \u00een ordine.<\/li>\n\n\n\n<li>Evita\u021bi plata \u00eent\u00e2rziat\u0103. Pl\u0103\u021bile \u00eent\u00e2rziate sunt costisitoare \u0219i v\u0103 vor cre\u0219te datoria.<\/li>\n\n\n\n<li>Face\u021bi un program de plat\u0103. Crea\u021bi un program bazat pe venitul dvs. \u0219i datele scadente ale pl\u0103\u021bii. Astfel vei \u0219ti ce \u00ee\u021bi po\u021bi permite \u00een fiecare lun\u0103 \u0219i \u00ee\u021bi po\u021bi ajusta cheltuielile.<\/li>\n\n\n\n<li>Nu utiliza\u021bi credite revolving. Au o dob\u00e2nd\u0103 foarte mare \u0219i este tentant s\u0103 folose\u0219ti limita de credit. Evita\u021bi cardurile de credit \u0219i \u00eemprumuturile pentru a acoperi cheltuielile.<\/li>\n\n\n\n<li>Contacta\u021bi creditorii dvs. Negocia\u021bi timp suplimentar pentru rambursarea sau reprogramarea \u00eemprumuturilor.<\/li>\n\n\n\n<li>Nu contracta\u021bi noi \u00eemprumuturi. F\u0103c\u00e2nd acest lucru nu va face dec\u00e2t s\u0103 \u00eenr\u0103ut\u0103\u021bi\u021bi lucrurile.<\/li>\n\n\n\n<li>Nu v\u0103 consolida\u021bi \u00eemprumuturile. V\u0103 cre\u0219te\u021bi gradul de \u00eendatorare global\u0103 prin prelungirea duratei \u00eemprumutului.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pentru a-\u021bi controla bugetul \u0219i a-\u021bi men\u021bine capacitatea de a pl\u0103ti \u0219i de a rambursa, este esen\u021bial s\u0103 fii cu ochii pe finan\u021bele tale. Lu\u00e2nd anumite m\u0103suri de precau\u021bie, fiind con\u0219tien\u021bi de riscuri \u0219i gestion\u00e2ndu-\u021bi riguros bugetul, ai toate \u0219ansele s\u0103 nu te confrun\u021bi niciodat\u0103 cu supra\u00eendatorare!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De asemenea, poate fi util s\u0103 \u00eencheia\u021bi o asigurare pentru cele mai importante credite. Acest lucru v\u0103 ofer\u0103 protec\u021bie suplimentar\u0103 \u00eempotriva evenimentelor neprev\u0103zute care v-ar putea dezechilibra capacit\u0103\u021bile de rambursare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Probabil c\u0103 a\u021bi auzit deja de pericolul \u00eemprumuturilor personale, acordate f\u0103r\u0103 nicio condi\u021bie de multe organiza\u021bii. Aceste credite sunt folosite \u00een multe situa\u021bii de supra\u00eendatorare. Foarte u\u0219or de ob\u021binut, \u00een general sunt acordate online foarte repede. Evita\u021bi capcana creditului de consum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Datoria poate avea consecin\u021be devastatoare asupra bun\u0103st\u0103rii tale: pierderea \u00eencrederii \u00een sine, depresie, izolare, conflict familial, buget familial redus. Dac\u0103 sunte\u021bi supra\u00eendatorat, nu v\u0103 \u00eengropa\u021bi capul \u00een nisip, lua\u021bi lucrurile \u00een propriile m\u00e2ini! Ac\u021biunea duce \u00eentotdeauna la o solu\u021bie! \u00cencepe\u021bi prin a contacta creditorii dvs. pentru a le cere un aranjament de rambursare a sumelor pe care le datora\u021bi. De exemplu, renegocierea unui credit ipotecar v\u0103 permite adesea s\u0103 v\u0103 reduce\u021bi cheltuielile lunare. Sau cere\u021bi un plan de plat\u0103 pentru a v\u0103 u\u0219ura situa\u021bia financiar\u0103.<\/p>","protected":false},"excerpt":{"rendered":"<p>Care sunt cauzele supra\u00eendator\u0103rii \u0219i cum s\u0103 o evit\u0103m?<\/p>","protected":false},"author":2,"featured_media":900,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debiteurs"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment \u00e9viter le surendettement ? - INTERNATIONAL RECOVER COMPANY<\/title>\n<meta name=\"description\" content=\"Stop au surendettement ! 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