Dozens of clients with ongoing loans are now in conflict withtheir banks, citing too high margins compared with the referenceindexes on the monetary markets - Euribor for euros and Robor forRON. At stake is securing a reduction by up to 50% in the monthlyinterest.
Clients basically say they cannot take advantage of the lowEuribor level (currently at an all-time low of close to 1% a year)and pay lower interest because banks charge them highmargins.
Tensions started with the implementation of a Government Ordinancein June, which regulates the terms of granting consumer loans, andwhich forces banks to either offer fixed interest rates orinterests tied to an independent indicator, ongoing loansincluded.
Bankers say, however, that the ordinance was only intended to makeloan costs more transparent, not to modify costs.
The deadline for moving to the new manner of expressing interestrates expires in September, with bankers having to revise almosteight million contracts.
Unhappy clients have created blogs and Internet portals with dozensof users, with the banks most targeted by the discussions being BCRand Volksbank.
Ionuţ Stanimir, head of the External Communication department ofthe BCR, says he has been following the talks, and that the bankwould seek communication with clients.
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