{"id":30951,"date":"2025-04-23T04:07:23","date_gmt":"2025-04-23T03:07:23","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=30951"},"modified":"2025-04-05T16:07:49","modified_gmt":"2025-04-05T15:07:49","slug":"explicatiile-bnr-la-nivel-de-copii-de-clasa-a-iii-a","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=30951","title":{"rendered":"Explica\u021biile BNR la nivel de copii de clasa a III-a"},"content":{"rendered":"
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C\u0103 de la clasa a IVa \u00eencolo mai auzi de c\u0103m\u0103tari, de IFN-uri, \u00eencepe educa\u021bia financiar\u0103 de pe strad\u0103 s\u0103 te prind\u0103 din urm\u0103 \u0219i nu mai po\u021bi veni cu spoieli.

\u00cencerc s\u0103 nu-i critic prea tare, c\u0103 am vechi amici din Dr\u0103g\u0103\u0219ani care lucreaz\u0103 acolo, s\u0103rum\u00e2na domnu’ Is\u0103rescu, s\u0103 v\u0103 tr\u0103iasc\u0103 familia. <\/p>\n\n\n\n

Dar mai d\u0103-o \u00een pula mea. <\/p>\n\n\n\n

E despre articolul \u0103sta <\/a><\/strong>de pe ho\u021bnews , unde e preluat\u0103 explica\u021bia prim-vice-guvernatorului ( ce e asta, f\u0103?) Leonardo Badea, care e dom’ doctor \u00een economie, fost senator de \u0219i deputat de D\u00e2mbovi\u021ba, fost \u0219ef la ASF – se \u0219tie, \u0103\u0219tia sunt competen\u021bi – \u0219i vine cu mizeria asta. <\/p>\n\n\n\n

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C\u0103 domne, c\u0103 popula\u021bia \u00een Rom\u00e2nia e pe cash, c\u0103 st\u0103m pe bun\u0103stare relativ\u0103, c\u0103 cel mai mare procent de proprietari din Europa . Care mai sunt \u0219i pleca\u021bi de acas\u0103 la munc\u0103 \u00een Europa, de le stau \u0219i casele goale, adev\u0103ra\u021bi baroni romulanii, b\u0103i, nene.

Singurul lucru bun<\/strong> pentru care \u00een Rom\u00e2nia se mai poate cump\u0103ra cu cash e c\u0103 \u00een Rom\u00e2nia s-a construit oarecum suficient, pe alocuri mai mult dec\u00e2t, case pentru toat\u0103 lumea. \u0218tiu c\u0103 sunt unii care vor o \u021bar\u0103 ca afar\u0103 \u0219i sunt nemul\u021bumi\u021bi c\u0103 reguli, c\u0103 standarde, c\u0103 prea multe blocuri. Le spun eu o chestie tare, o las pe portocaliu :
<\/p>\n\n\n\n


Suge\u021bi pula, b\u0103, unul c\u00e2te unul, netermina\u021bilor, c\u0103 v-a\u021bi \u00eenv\u0103\u021bat cu binele \u0219i nu \u0219ti\u021bi \u00een ce condi\u021bii de c\u0103cat st\u0103 lumea – inclusiv migran\u021bi rom\u00e2ni, dar nu numai – \u0219i popula\u021bie local\u0103 –<\/strong> \u201dpe shared\u201d ( adic\u0103 gr\u0103mezi \u00een cas\u0103, nu neap\u0103rat familie) prin \u021b\u0103ri din Vest ( nu neap\u0103rat Italia, nu, \u0219i \u0103ia mai au case destule), \u00een condi\u021bii de s\u0103 te caci \u00een ele ( cui pula mea \u00eei pas\u0103 c\u0103 are blocul fa\u021bada sp\u0103lat\u0103 \u0219i nu te vede vecinul de afar\u0103 c\u00e2nd stai pe bud\u0103 \u00een cas\u0103, cum se \u00eent\u00e2mpl\u0103 \u00een Rom\u00e2nia) dac\u0103 \u00een\u0103untru arat\u0103 ca pula \u0219i te v\u0103d vecinii din\u0103untru c\u00e2nd dai la lab\u0103 \u00een pat. C\u0103 nu-\u0219i permit nici chiria las\u0103 casa \u00een rate, necum s\u0103 cumpere cu cash, loloi. <\/p>\n\n\n\n

Nu, eu n-am fost \u0219i nu-s d-\u0103ia, dar eu nu-s norma. <\/p>\n\n\n\n

La \u201do \u021bar\u0103 ca afar\u0103\u201d mafia imobiliar\u0103 nu-s \u021biganii \u0103ia care construiesc la foc automat, mult \u0219i prost \u0219i se chinuie s\u0103 v\u00e2nd\u0103, sunt bulangiii \u0103ia care dau \u0219p\u0103gi pentru permise care se dau pe ales, care construiesc pu\u021bin \u0219i scump ca s\u0103 se bat\u0103 lumea pe propriet\u0103\u021bile lor \u0219i c\u00e2\u0219tig\u0103 la retail, nu la volum, c\u0103 asta \u00eenseamn\u0103 s\u0103 \u0219tii s\u0103 faci business. <\/p>\n\n\n\n

Dincolo de asta, omul ne las\u0103 \u00een pom \u0219i nu se spune c\u0103 dac\u0103 vrei acum credit imobiliar , ie\u0219i la DAE aproape 8% pe perioada fix\u0103 ( dac\u0103 te mu\u021bi cu salariul la ei – se faz favor<\/a><\/em>), dac\u0103 nu, peste 8, dup\u0103 care jumuleal\u0103 \u0219i viol \u00een cur. <\/p>\n\n\n\n

Exemple: CEC<\/a>. <\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Sau 9% la CEC, DAE pe perioada de fixed. Da, mi se rupe pula c\u0103 scrie acolo dob\u00e2nda ini\u021bial\u0103 6.55%, ca \u0219i c\u00e2nd aia ar fi mic\u0103, lol. <\/p>\n\n\n\n

<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Oare, n-o avea leg\u0103tur\u0103 cu dob\u00e2nda mare?<\/p>\n\n\n\n

\u0218i eate fix aceea\u0219i poveste cu datoriile comerciale, adic\u0103 datorii directe \u00eentre companii, \u00een general prin stabilirea de termene de plat\u0103 lungi \u0219i, eventual, nerespectarea lor. <\/p>\n\n\n\n

C\u0103 companiile nu pot lua credite de la banc\u0103 pentru c\u0103 sunt subcapitalizate, anume , \u00een Rom\u00e2nia , dac\u0103 vrei credit de business, e complicat, dincolo de linii de credit oferite de anumite b\u0103nci – la care trebuie s\u0103 ai istoric, mie mi se tot ofer\u0103 de la ING, dar refuz, \u00een primul r\u00e2nd pentru dob\u00e2nzile prea mari – la 10% s\u0103 fac\u0103 m\u0103-ta credit opera\u021bional, b\u0103 , Badeo.<\/p>\n\n\n\n

Dac\u0103 vrei credit de investi\u021bii sunt cu gaja\u021bii destul de mari, uneori se cere cogaran\u021bie de la asocia\u021bi – din nou, m\u0103-sa lui Badea s\u0103 ia credite, \u00een condi\u021biile astea.\u00a0<\/p>\n\n\n\n

De ce ? Oare BBb- ? Salut, Ciolax , nu mai duduie economia \u00een Rom\u00e2nia? Ghinion. <\/p>\n\n\n\n

De ce nu merge creditarea \u00een Rom\u00e2nia \u0219i e \u021bar\u0103 emergent\u0103? Pentru c\u0103 rom\u00e2nii nu prea au bani \u00een b\u0103nci rom\u00e2ne\u0219ti. B\u0103i, nu ne putem \u021bine nici banii no\u0219tri rom\u00e2ne\u0219ti, munci\u021bi in Romania sau nu, la care am pl\u0103tit impozite \u0219i taxe , nu vorbesc de evaziuni \u0219i alte infrac\u021biuni. <\/p>\n\n\n\n

De ce? La orice c\u0103cat ANAF are tofelul de proceduri de popriri \u0219i pula mea, “shoot first, ask questions later.”<\/p>\n\n\n\n

Ai zice c\u0103 cu a\u0219a politic\u0103 de toleran\u021b\u0103 zero, au o rat\u0103 de colectare a tax\u0103rii \u0219i de conformare enorm\u0103. C\u0103cat cu perje – procedura e folosita ca s\u0103 nu munceasc\u0103 ei prea mult. “Punem block \u0219i cer fraierii l\u0103muriri. “. <\/p>\n\n\n\n

La fel \u0219i la firme. Pe sistem “Piedone” la orice.\u00a0 <\/p>\n\n\n\n

\u0218i banii pe care ii \u021bin rom\u00e2nii \u00een b\u0103ncile din Romania, pe privat sunt in mare la c\u00e2teva b\u0103nci mai importante rom\u00e2ne\u0219ti. ING \u0219i Raiffeisen, nu sunt dintre ele. <\/p>\n\n\n\n

Capitalul str\u0103in are o mic\u0103 problem\u0103 \u00een Rom\u00e2nia, fa\u021b\u0103 de alte \u021b\u0103ri – 2% impozit pe cifra de afaceri + 16% impozit pe profit + 10% impzout pe dividende. Dac\u0103 e s\u0103 m\u0103 \u00eentrebi pe mine, din toate astea cel mai greu at\u00e2rn\u0103 10% impozit pe dividende. <\/p>\n\n\n\n

In US impozitul pe dividende este 0 in UK. Se taxeaz\u0103 profitul , se taxeaz\u0103 veniturile din dividende pe persoan\u0103 fizic\u0103 , dar nu transferul profitului de la o corpora\u021bie la alta. <\/p>\n\n\n\n

Rom\u00e2nia face asta prin urmare corpora\u021biile financiare nu se \u00eenghesuie s\u0103 pun\u0103 bani pe pia\u021b\u0103 cu margini mici de profit. <\/p>\n\n\n\n

Pe de alt\u0103 parte nici legea nu ofer\u0103 cine \u0219tie ce protec\u021bie \u00eempotriva creditelor de furnizor for\u021bate de pozi\u021bia dominant\u0103 pe pia\u021b\u0103 de care abuzeaz\u0103 aproape to\u021bi marii retailerii \u0219i alte companii mari, p\u00e2n\u0103 la punctul la care devine o practic\u0103 comun\u0103 \u0219i la companiile mici. <\/p>\n\n\n\n

BNR o spune a\u0219a, c\u0103 nu e neap\u0103rat bine sau r\u0103u. Au dreptate doar vag. <\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

C\u0103 de la clasa a IVa \u00eencolo mai auzi de c\u0103m\u0103tari, de IFN-uri, \u00eencepe educa\u021bia financiar\u0103 de pe strad\u0103 s\u0103 te prind\u0103 din urm\u0103 \u0219i…<\/p>\n","protected":false},"author":2,"featured_media":30952,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[3499,1],"tags":[],"class_list":["post-30951","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-uncategorized"],"views":599,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/04\/image-2.png","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-83d","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/30951","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=30951"}],"version-history":[{"count":2,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/30951\/revisions"}],"predecessor-version":[{"id":31023,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/30951\/revisions\/31023"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/30952"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=30951"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30951"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30951"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}