+Articolul 28 Arierate și executare silită
---+Article 28 1.
---+Article 28 1a.
---+Article 28 2.
---+Article 28 3.
---+Article 28 4.
---+Article 28 5.
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Articolul 28 Arierate și executare silită
1. Prezentare generală
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Reglementare |
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Article 28 1.
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Member States shall require creditors to have adequate policies and procedures so that they make efforts to exercise, where appropriate, reasonable forbearance before foreclosure proceedings are initiated. Such forbearance measures shall take into account, among other elements, the consumer’s circumstances and may consist of, among other possibilities:
(a)
a total or partial refinancing of a credit agreement;
(b)
a modification of the existing terms and conditions of a credit agreement, which may include among others:
(i)
extending the term of the credit agreement;
(ii)
changing the type of credit agreement;
(iii)
deferring payment of all or part of the instalment repayment for a period;
(iv)
changing the interest rate;
(v)
offering a payment holiday;
(viii)
partial forgiveness and debt consolidation.
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Article 28 1a.
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The list of potential forbearance measures set out in point (b) of paragraph 1 is without prejudice to rules set out in national law and does not require Member States to provide for all of those measures in their national law.
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Article 28 2.
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Member States may require that, where the creditor is permitted to define and impose charges on the consumer arising from the default, those charges are no greater than is necessary to compensate the creditor for costs it has incurred as a result of the default.
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Article 28 3.
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Member States may allow creditors to impose additional charges on the consumer in the event of default. In that case Member States shall place a cap on those charges.
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Article 28 4.
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Member States shall not prevent the parties to a credit agreement from expressly agreeing that return or transfer to the creditor of the security or proceeds from the sale of the security is sufficient to repay the credit.
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Article 28 5.
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Where the price obtained for the immovable property affects the amount owed by the consumer Member States shall have procedures or measures to enable the best efforts price for the foreclosed immovable property to be obtained. Where after foreclosure proceedings outstanding debt remains, Member States shall ensure that measures to facilitate repayment in order to protect consumers are put in place.
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1.1 Referințe
1.2 Cerințe identificate
1.3 Standarde asociate
2. Cerințe identificate
3. Standarde asociate
- Builddate: 30.12.2023 00:00:00 -Doknr: CELEX:32014L0017
- EULAW -
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DE: Rechtsakte der Europäischen Union aus EUR-Lex, https://eur-lex.europa.eu/. © Europäische Union. Weiterverwendung nach Beschluss 2011/833/EU mit Quellenangabe gestattet; die konsolidierten Fassungen stehen unter CC BY 4.0 (Rechtlicher Hinweis von EUR-Lex). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Verbindlich sind allein die im Amtsblatt der Europäischen Union veröffentlichten Rechtsakte.
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