Anunţă-mă când se modifică Fişă act Comentarii (1) Trimite unui prieten Tipareste act

OUG Nr.94 din 18.12.2012

pentru completarea art. 1 din Ordonanţa de urgenţă a Guvernului nr. 60/2009 privind unele măsuri în vederea implementării programului „Prima casă“ şi adoptarea unor măsuri în vederea îmbunătăţirii condiţiilor de derulare a programului „Prima casă“
ACT EMIS DE: Guvernul Romaniei
ACT PUBLICAT ÎN MONITORUL OFICIAL NR. 878 din 21 decembrie 2012




Având în vedere că:

actele normative care reglementează programul „Prima casă“ impun obligativitatea achiziţionării unei singure locuinţe în cadrul programului şi nu prevăd la acest moment posibilitatea exprimării acordului Ministerului Finanţelor Publice şi finanţatorului, proporţional cu procentul de garantare, cu privire la solicitările unor beneficiari ai programului constând în acordarea permisiunii de a schimba sau de a achiziţiona o altă locuinţă decât cea achiziţionată iniţial în cadrul programului, în virtutea garanţiei din partea vânzătorului pentru viciile ascunse ale locuinţei ori provocării unor daune locuinţei, ca urmare a producerii unui risc asigurat, de natură a o face improprie utilizării potrivit destinaţiei;

perioada mare de timp pentru care se acordă creditul, de maximum 30 de ani, în care pot interveni situaţii a căror soluţionare necesită acordul Ministerului Finanţelor Publice în calitate de titular al dreptului de ipotecă;

întrucât au fost formulate numeroase solicitări de către beneficiari, în sensul exprimării acordului Ministerului Finanţelor Publice, în calitate de titular al dreptului de ipotecă legală, pentru efectuarea unor lucrări de intervenţie asupra locuinţelor achiziţionate în cadrul programului (42 scrise şi foarte multe telefonice), respectiv pentru înlocuirea obiectului finanţării garantate (45 de solicitări datorate incendiului din Confort City);

apreciind că această iniţiativă legislativă este justificată de stringenţa creării unui temei legal în vederea soluţionării cererilor formulate de către beneficiarii programului;

întrucât neadoptarea unor măsuri imediate, prin ordonanţă de urgenţă, ar conduce la reale dificultăţi în ceea ce priveşte rambursarea ratelor creditelor de către beneficiari, cu influenţe negative asupra derulării prudente şi eficiente a garanţiilor acordate de stat în cadrul programului „Prima casă“;

ţinând cont de faptul că toate aceste aspecte vizează interesul public şi constituie situaţii de urgenţă şi extraordinare a căror reglementare nu poate fi amânată,în temeiul art. 115 alin. (4) din Constituţia României, republicată, Guvernul României adoptă prezenta ordonanţă de urgenţă. Articolul I La articolul 1 din Ordonanţa de urgenţă a Guvernului nr. 60/2009 privind unele măsuri în vederea implementării programului „Prima casă“, publicată în Monitorul Oficial al României, Partea I, nr. 381 din 4 iunie 2009, aprobată cu modificări şi completări prin Legea nr. 368/2009, cu modificările şi completările ulterioare, după alineatul (75) se introduc şapte noi alineate, alineatele (76 )-(712 ), cu următorul cuprins: (76 ) Prin excepţie de la prevederile alin. (7), (71) şi (72), Ministerul Finanţelor Publice şi finanţatorul, proporţional cu procentul de garantare, îşi pot exprima acordul cu privire la novarea obiectului garanţiei, în cazul în care locuinţa achiziţionată iniţial în cadrul Programului este improprie cerinţelor de locuit ale unei persoane sau familii datorită unor vicii ascunse ori provocării unor daune asupra locuinţei, ca urmare a producerii unui risc asigurat, de natură a o face improprie utilizării potrivit destinaţiei, cu respectarea normelor de implementare ce vor fi aprobate prin hotărâre a Guvernului şi cu condiţia ca valoarea noii locuinţe dobândite de către beneficiar, astfel cum a fost evaluată în condiţiile legii, să fie cel puţin egală cu valoarea creditului contractat, la care se adaugă valoarea avansului. (77 ) În cazul rezoluţiunii în condiţiile legii a contractului de vânzare-cumpărare a locuinţelor achiziţionate, ca efect al garanţiei contra viciilor ascunse ale bunului vândut, beneficiarul poate achiziţiona o a doua locuinţă în cadrul Programului, cu condiţia stingerii creditului contractat iniţial în cadrul Programului. (78 ) În cazul provocării unor daune asupra locuinţei, ca urmare a producerii unui risc asigurat, de natură a o face improprie utilizării potrivit destinaţiei, beneficiarul va putea achiziţiona o a doua locuinţă în cadrul Programului, cu condiţia stingerii creditului contractat iniţial în cadrul Programului. Prin locuinţă improprie utilizării în sensul Programului se înţelege locuinţa afectată de daune constatate şi evaluate la o valoare de cel puţin 50% din valoarea creditului acordat iniţial. (79 ) În situaţia prevăzută la alin. (78), dacă beneficiarul solicită continuarea contractului de credit, cu novarea obiectului garanţiei, potrivit alin. (76), Ministerul Finanţelor Publice şi finanţatorul, în calitate de cesionari/beneficiari ai drepturilor de despăgubire provenite din poliţa de asigurare a locuinţei devenite improprie utilizării, îşi pot exprima acordul cu privire la cesionarea sumelor provenite din plata drepturilor de despăgubire de către asigurator, în vederea achiziţionării unei noi locuinţe în cadrul Programului. Valoarea noii locuinţe dobândite de către beneficiar, astfel cum a fost evaluată în condiţiile legii, trebuie să fie cel puţin egală cu valoarea creditului contractat, la care se adaugă valoarea avansului. (710 ) În baza contractului de garantare novat, se radiază ipoteca în favoarea statului şi a finanţatorului, privilegiul finanţatorului, precum şi interdicţiile de înstrăinare şi grevare cu sarcini instituite conform alin. (7) asupra imobilului achiziţionat iniţial în cadrul Programului, iar asupra imobilului dobândit ulterior, prin efectul novaţiei prevăzute la alin. (76), se instituie în favoarea statului român, reprezentat de Ministerul Finanţelor Publice, precum şi în favoarea finanţatorilor, proporţional cu procentul de garantare, un drept de ipotecă legală de rangul I până la finalizarea procedurii de executare silită asupra imobilului care face obiectul garanţiei, potrivit legii, cu interdicţia de înstrăinare a locuinţei pe o perioadă de 5 ani şi interdicţia de grevare cu sarcini a acesteia pe toată durata garanţiei. Condiţia referitoare la rangul dreptului de ipotecă trebuie să fie îndeplinită până la momentul formulării cererii de plată a garanţiei de către finanţator. În cazul primirii de către finanţator a comunicării respingerii cererii de plată a garanţiei de la Fondul Naţional de Garantare a Creditelor pentru Întreprinderile Mici şi Mijlocii S.A. - I.F.N., în temeiul contractului de garantare, finanţatorul are dreptul să înscrie în cartea funciară ipoteca legală conform dispoziţiilor Codului civil, concomitent cu radierea din cartea funciară a ipotecii legale instituite în favoarea statului român. (711 ) Prin excepţie de la prevederile alin. (7), (71) şi (72), Ministerul Finanţelor Publice şi finanţatorul, proporţional cu procentul de garantare, îşi pot exprima acordul cu privire la lucrările de intervenţie şi/sau extindere, pentru care este necesară emiterea autorizaţiei de construire, privind imobilul ipotecat, incluzând spre exemplificare, dar fără a se limita la acestea, dezmembrări, extinderi, modificări structurale, modificări ale destinaţiei părţilor comune, precum şi orice alte modificări care, deşi nu necesită obţinerea unei autorizaţii de construire, se înscriu în cartea funciară. Beneficiarii Programului au obligaţia de a efectua orice lucrare de intervenţie şi/sau extindere în condiţiile legii şi de a efectua înregistrările corespunzătoare în cartea funciară şi sub condiţia extinderii ipotecii asupra amelioraţiunilor efectuate, ulterior instituirii ipotecilor. (712 ) În cazul rambursării anticipate a finanţării înainte de expirarea termenului de 5 ani, interdicţiile de înstrăinare prevăzute la alin. (7), (71), (72) şi (710) se radiază în condiţiile legii. Articolul II În termen de 15 zile de la data intrării în vigoare a prezentei ordonanţe de urgenţă se modifică şi se completează în mod corespunzător prevederile Hotărârii Guvernului nr. 717/2009 privind aprobarea normelor de implementare a programului „Prima casă“, cu modificările şi completările ulterioare. Articolul III Ordonanţa de urgenţă a Guvernului nr. 60/2009 privind unele măsuri în vederea implementării programului „Prima casă“, publicată în Monitorul Oficial al României, Partea I, nr. 381 din 4 iunie 2009, cu modificările şi completările ulterioare, precum şi cu completările aduse prin prezenta ordonanţă de urgenţă, se va republica în Monitorul Oficial al României, Partea I, dându-se textelor o nouă numerotare. PRIM-MINISTRU VICTOR-VIOREL PONTA Contrasemnează: Viceprim-ministru, ministrul finanţelor publice, Florin Georgescu Ministrul economiei, comerţului şi mediului de afaceri, Daniel Chiţoiu


COMENTARII la OUG 94/2012

 
13.09.2013 15:57:03  Anonim  a scris :
Este un pas inainte fata de legea initiala dar tot ramane o lacuna pentru constructorii de mansarde sau pentru cei ce vor sa cumpere o parte din partile comune,in aceasta completare la OUG 60/2009 nu se specifica niciunde despre vanzarea partilor comune (terasa, uscatorie). Astfel, notarul face actul de dezmembrare al partilor comune si intabularea cu noi cote parti (terasa) iar la cartea funciara (ex. Timisoara) nu accepta actul deoarece in OUG 94/2012 nu este specificat cuvantul "vanzarea" partilor comune ci doar dezmembrarea.
   
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ANONIM a comentat Ordin 173 2014
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ANONIM a comentat Rectificare 244 2017
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ANONIM a comentat Rectificare 244 2017
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ANONIM a comentat Rectificare 244 2017
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ANONIM a comentat Rectificare 244 2017
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Contact us today via: bdsfn.com@gmail.com Get your instant loan approval
ANONIM a comentat Rectificare 244 2017
    DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $20 million. bdsfn.com@gmail.com We Offer: * Business Loan * Personal Loans or Signature Loans * Arrangements to Borrow from $10,000.00 up to $20,000,000 * Choose between 1 to 10 years repayment period. * Choose between monthly and annual repayment plan. * Flexible loan terms and conditions applied. * Interest rates as low as 1%. We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances. Contact us today via: bdsfn.com@gmail.com Get your instant loan approval
ANONIM a comentat Rectificare 244 2017
    DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $20 million. bdsfn.com@gmail.com We Offer: * Business Loan * Personal Loans or Signature Loans * Arrangements to Borrow from $10,000.00 up to $20,000,000 * Choose between 1 to 10 years repayment period. * Choose between monthly and annual repayment plan. * Flexible loan terms and conditions applied. * Interest rates as low as 1%. We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances. Contact us today via: bdsfn.com@gmail.com Get your instant loan approval DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $20 million. bdsfn.com@gmail.com We Offer: * Business Loan * Personal Loans or Signature Loans * Arrangements to Borrow from $10,000.00 up to $20,000,000 * Choose between 1 to 10 years repayment period. * Choose between monthly and annual repayment plan. * Flexible loan terms and conditions applied. * Interest rates as low as 1%. We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances. Contact us today via: bdsfn.com@gmail.com Get your instant loan approval DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $20 million. bdsfn.com@gmail.com We Offer: * Business Loan * Personal Loans or Signature Loans * Arrangements to Borrow from $10,000.00 up to $20,000,000 * Choose between 1 to 10 years repayment period. * Choose between monthly and annual repayment plan. * Flexible loan terms and conditions applied. * Interest rates as low as 1%. We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances. Contact us today via: bdsfn.com@gmail.com Get your instant loan approval DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $20 million. bdsfn.com@gmail.com We Offer: * Business Loan * Personal Loans or Signature Loans * Arrangements to Borrow from $10,000.00 up to $20,000,000 * Choose between 1 to 10 years repayment period. * Choose between monthly and annual repayment plan. * Flexible loan terms and conditions applied. * Interest rates as low as 1%. We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances. Contact us today via: bdsfn.com@gmail.com Get your instant loan approval DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $20 million. bdsfn.com@gmail.com We Offer: * Business Loan * Personal Loans or Signature Loans * Arrangements to Borrow from $10,000.00 up to $20,000,000 * Choose between 1 to 10 years repayment period. * Choose between monthly and annual repayment plan. * Flexible loan terms and conditions applied. * Interest rates as low as 1%. We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances. Contact us today via: bdsfn.com@gmail.com Get your instant loan approval DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $20 million. bdsfn.com@gmail.com We Offer: * Business Loan * Personal Loans or Signature Loans * Arrangements to Borrow from $10,000.00 up to $20,000,000 * Choose between 1 to 10 years repayment period. * Choose between monthly and annual repayment plan. * Flexible loan terms and conditions applied. * Interest rates as low as 1%. We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances. Contact us today via: bdsfn.com@gmail.com Get your instant loan approval
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