CONCLUSIONS AND PROPOSALS

1. Conclusions



C1. It's good to get adequate information on each loan file document and on every detail of the credit because the staff dealing with your bank is willing to offer credit and less efficient when you have not done everything You can change anything if it finds that there is any better at another bancǎ credit.

C2. It is better to make partial payments if you can not plǎti the liabilities. Are useful to reduce penalties and flat to show intent. Pǎstrează permanently connected with BT, not avoid contact by phone or through letters.

C3. If you own housing collateral for a loan taken by someone else, guarantees the sure their rates plǎteşte in time to avoid a possible execution of garanţieide silitǎ by BT.

C4. Overall customer dacǎ even escape from paying the bank loan will take care to full recovery of damage with a legal support recovery of damages.

C5. Unless they are careful to pay rates can be charged and naturally cǎ penalty amount can be unpredictable and of itself is understood cǎ good to know the value and potential penalties.

C6. Formation of deposits for contingencies requires preventive and intelligent behavior of the loan recipient.

C7. Information and documentation to the bank represent more strength in choosing the bank can offer your guests the best loan option.

C8. Several sources of income with which to make payment rates is a legitimate reason to borrow but you and BT is motivated to accept credit requested.

C9. BT and other more substantial guarantees that bank demand for risky loans insolvency uneorii well above the loan to reduce possible damage to healthy lending again ..

C10. Must consider all types of loans to choose the most convenient credit to get the maximum features and a reasonable interest rate as possible.

C11. Rate negotiation is a measure of bank acceptatǎ and recommended for corporate credit.

C12. The grace period is not good to make deposits to pay in advance, working with bank money as you get engaged and exemption of fees hidden.

C13. Internal and external funding sources is a strength in providing a loan lending more and more echilibratǎ accesibilǎ.

C14. Using computing solution, accounting software and make an analysis performantǎ rapidǎ credited more and more transparent and safer.

C15. Existence of a compartment within BT marcheting efficient banking and adequately trained staff, competitive and efficient primordialǎ are a necessity in promoting products on credit.

C16. BT financiarǎ market reputation and market leadership româneascǎ housing credit from the BT BT is a competitive bank.

C17. The rapid pace of renewal and diversification of customer service and the emergence of new products make credit a considerable thing and easily harnessed as many Citizenship, diversification încurajeazǎ those less interested in deciding difficult.

C18. Justified as a price-effective banking performances corespunzătorcare looked educated and move to the last penny.

C19. Increase costs to products and banking services in certain periods are a result of the ongoing need to work with latest technologies.

C20. Lack of qualified personnel and accounting department bank credit, lack of specialists or the high price of the existing system is a difficult problem rezolvabilǎ currently missing has negative effects on lending.

C21. Moral degradation quick financial solutions are a concern but the promotion of new solutions for credit or search for new solutions would be necessary.

C22. Many bank have a clear mindset and organizational culture in services offered may be a landmark for those who want a reasonable loan.

C23. BT sector development on housing loans can be a joy for some and for others a cause for sorrow depends on how you have good relations with BT.

C24. The credit is a source of funding, a way of life, a source of income for the bank, and a way to exploit the limited resources of employees who can not buy a property any time with cash and credit only.

C25. Credit is the most controversial product that entails the greatest sacrifice and also implies the greatest hope especially when it comes to a housing loan, which is a good choice even if we talk about young people or other types of investors due to the fact that use a pay good while and you finally sell it sǎ recovering and money.

C26. For bancǎ precautǎ is advisable to borrow less and more borrowers who fear loss of home orcum plǎtesc turning than a borrower to borrow large uncertain reimbursement opportunities that rely on new real estate guarantors and poorly made and only reach expectation sǎ fărǎ has ever cash to repay debt.

C27. The quality of the entrepreneur and the company is credited reputation clietului be a safe opotunitate promotion, bank staff are interested and credible societǎţii valoroasǎ customers.

C28. Money in bank is the order of million available for lending but fear makes it impossible to launch customer inspired this form of financing.

C29. It is a tremendous opportunity to use the money of others could cause him more money, so if the investor uses credit banks that offer credit, get money circulating in the market where exchanges and do more, which is money brings nothing is as there.

C30. To develop a new project is needed and old in real estate transactions and even superiară skilled in the technical or economic, is recommended to work in a real estate agency or a bank that offers housing and experience of those involved in this area .





2. Motions



P1. Reducing interest on loans is the most important method of credit recovery but will need a more intensive and the customers are able to get a housing loan.

P2. It is good that they do not exceed payment rates, they do not delay more than 30 days with rates so as not to be reported to the Credit Bureau.

P3. You have to start with small loans personal loans and then pass the loans for investment property or other Grants that increased risk.

P4. It takes solace to those alungaţii economic crisis by launching new offerings on the market or by creating an alternative for recovery projects that have taken great prosperous economy in crisis years earlier.

P5. It is recommended evitatea traditional lending methods and adapt to new reglementǎri the concept of computer science and management matters.

P6. Policy that fees should rectificatǎ sǎ client as noted easier credit offer the most effective, it is a problem in terms of recovery creditǎrii.

P7 Apatiţia new taxes and decentralizing the country's trade policy is an issue that should be corrected as to create a transparent credit programs.

P8. Recognition by the European Union has the existence of functioning market economy in Romania should regulate sǎ creditǎrii policies are still very schimbǎtoare.

P9. It is recommended the customer to better educate and consequences and favors early cunoascǎ credit market and know sǎ make a difference in choosing which loan is right when he wants.

P10. It recommended investing in real estate by acquiring housing available to avoid the accumulation of money in new housing bǎncii and housing market.

P11. Loan treduie be the main driver of the economy which to make as much money in the market where Is there a real chance of reimbursement and profit as well.

P12. The credit may be the most accessible way and credibilizare use of new technologies, as a beacon sector funding vital research and development even in the highly regarded architectural estate clientele.

P13. It is an obligation to prevent disclosure of bank secrets especially by those implications in some staff at a bank credit.

P14. Should be avoided financially strong competition in the market which disturb orcum credit crisis that also affected.

P15. Conplexitatea ridicatǎ of increasing customer requirements can be a source of promoting the prescription mǎsura customer credits.

P16. Directed credit should be avoided, the speculation in bank lending, the subjective and all subterfuge creditǎrii aducǎtoare of inconsistency.

P17. Is correct and necessary to avoid borrowing for business or political allies or for borrowers with riscurii presents problems and cause damage.

P18. It is recommended to avoid inconsistency with appropriate information on loans that are based on comparing loan offers and choosing the most effective but consimtirea mature responsibility commitment.

P19. It is the duty îndatoratului sǎ discover if it has problems with reimbursement and to follow discuss personnel authorized to settle as the mistakes rapidǎ to confiscation can not be reached, enforcement or foreclosure account.

P20. Risks must be known and avoided, especially high risks resulting from changes in interest and fees, which requires further increases in rates for credit with variable dobândǎ.

P22. It is recommended to have more secure sources of financing or guarantees to cover any crisis of crediting your business, but better be cautious and to follow sǎ you borrow only when you need a case.

P23. The loan can be a way credibilizare and recovery of November whether hitherto unknown or misunderstood than by crediting their bank.

P24. It is recommended that a loan to be repaid and the proven results of other loans in terms of cost and performance in terms of creditor and debtor.

P25. Mathematical and financial solutions should be proposed to stop all types of crisis but the solution remains impôt lending, a massive credit to the many money put in motion in May.



Anexe



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