{"id":8338,"date":"2017-04-06T11:10:09","date_gmt":"2017-04-06T09:10:09","guid":{"rendered":"http:\/\/catalinx.ro\/wordpress\/?p=8338"},"modified":"2017-04-06T11:10:09","modified_gmt":"2017-04-06T09:10:09","slug":"asteptari-mici-ing","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=8338","title":{"rendered":"A\u0219tept\u0103ri mici. ING"},"content":{"rendered":"
<\/div>\n

Am primit mail de la ING \u00een care explic\u0103 ce e cu banii pe care mi i-au pus in cont. Citez inexact ( am mai schimbat eu date pe ici pe colo, mai la mi\u0219to, mai pentru anonimizare).<\/p>\n

Draga Catalinx,<\/strong><\/p>\n

Ai rambursat anticipat, comisionul inapoi ti-l dam.<\/strong><\/p>\n

Felicitari pentru rambursarea anticipata a creditului Ing Personal din 31\u00a0Februarie 2015 in valoare de 1,000,000\u00a0USD. Deci acum poti spune cu zambetul pe buze “adio credit”.<\/p>\n

Mai tii minte<\/strong> cand la acordarea creditului ai platit un comision de administrare de 1% ( n.m. \u0103sta e pe bune, at\u00eet era<\/em>) din valoarea lui? ( n.m. tax\u0103 de \u0219mecher, adic\u0103<\/em>) \u00a0Ei bine, noi iti dam inapoi suma aferenta perioadei acoperite de rambursarea anticipata, adica suma de 7632874.25 Ron.<\/p><\/blockquote>\n

B\u0103, a\u0219a e. Uitasem. Uitasem c\u00e2t de bulangii au fost. Bine c\u0103 mi-au adus aminte. Aha. Merci.<\/p>\n

Acum c\u0103 mi-au adus \u00a0aminte ei, da , \u0219tiu c\u0103 mi-au luat comision 1% de administrare cont de credit, pe care – ce crezi, m-au pus s\u0103-l pl\u0103tesc \u00een avans, c\u0103 doar aveam de unde, nu mergeam s\u0103 \u00eemprumut bani de la ei? \u0218i ca nu au vrut s\u0103 \u00eemi ofere \u00eemprumut pentru nevoi personale \u00een sistem cu rate descrescatoare, adic\u0103 cu rambursare egal\u0103 din principal \u0219i plata dob\u00e2nzii \u00een sistem real, la soldul restant, cum am pentru cas\u0103, ci doar cu rate egale. Ca la fraieri, adic\u0103.<\/p>\n

Aaa, c\u0103 de ce am \u00a0luat \u00eemprumutul , dac\u0103 erau a\u0219a bulangeri\u0219ti? B\u0103, de prost, c\u0103 nu ar trebui s\u0103 iei \u00eemprumut pentru ma\u0219ina, dar nici nu mai aveam cu ce merge, \u00een Rom\u00e2nia serviciile de \u00eenchiriere nu-s cum \u021bi-ai imagina \u0219i \u00a0m\u0103 s\u0103turasem \u00a0de rable. \u0218i c\u0103, \u00een pofida a \u00a0tot de mai sus, au fost cam \u0103i mai buni de pe pia\u021ba \u00a0ca dob\u00e2nzi ( rat\u0103 fix\u0103, f\u0103r\u0103 robor, libor pulameaBOR \u0219i alte afaceri de-ale patriarhului Daniel ) \u0219i s-au mi\u0219cat repede. \u00a0Foarte repede, c\u0103 m\u0103 r\u0103zg\u00e2ndisem \u0219i\u00a0voiam s\u0103 anulez cererea, dar c\u00e2nd am sunat banii erau deja \u00een cont \u0219i pula mea. Nu e ca \u0219i cum am suferit altfel dec\u00e2t nervos\u00a0pentru asta. C\u0103 d-aia l-am \u0219i pl\u0103tit acum \u0219i s\u0103 nu mai aud de a\u0219a ceva prea cur\u00e2nd.<\/p>\n

Deci da, v\u0103 mul\u021bumesc c\u0103 mi-a\u021bi adus aminte cum mi-a\u021bi tras-o la muie. Chiar uitasem.<\/p>\n","protected":false},"excerpt":{"rendered":"

Am primit mail de la ING \u00een care explic\u0103 ce e cu banii pe care mi i-au pus in cont. Citez inexact ( am mai…<\/p>\n","protected":false},"author":2,"featured_media":8339,"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":[60],"tags":[910,1158,1781,757],"class_list":["post-8338","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-servicii-impecabile","tag-banci","tag-credite","tag-imprumut","tag-ing"],"views":2736,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2017\/04\/im-the-master-of-low-expectations-quote-1.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-2au","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/8338","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=8338"}],"version-history":[{"count":1,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/8338\/revisions"}],"predecessor-version":[{"id":8340,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/8338\/revisions\/8340"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/8339"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8338"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8338"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8338"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}