{"id":502,"date":"2024-08-07T20:10:00","date_gmt":"2024-08-07T19:10:00","guid":{"rendered":"https:\/\/opre.ro\/?p=502"},"modified":"2024-08-15T20:12:50","modified_gmt":"2024-08-15T19:12:50","slug":"dobanda-la-dobanda","status":"publish","type":"post","link":"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/","title":{"rendered":"Dob\u00e2nd\u0103 la Dob\u00e2nd\u0103"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\"><strong>Ce \u00eenseamn\u0103 dob\u00e2nda la dob\u00e2nd\u0103?<\/strong><\/h4>\n\n\n\n<p>\u00cen practic\u0103, creditorii factureaz\u0103 dob\u00e2nzi contractuale, iar \u00een lipsa unui contract, dob\u00e2nda legal\u0103 pentru sume datorate \u0219i neachitate de debitori. \u00centrebarea este dac\u0103, odat\u0103 facturat\u0103 dob\u00e2nda, iar factura devine exigibil\u0103, aceste dob\u00e2nzi genereaz\u0103, la r\u00e2ndul lor, alte dob\u00e2nzi.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><\/h4>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Care sunt observa\u021biile generale privind dob\u00e2nda?<\/strong><\/h4>\n\n\n\n<p>Dob\u00e2nda ca desp\u0103gubire datorat\u0103 creditorului pentru neexecutarea la termen a pl\u0103\u021bii de c\u0103tre debitor se calculeaz\u0103 p\u00e2n\u0103 la data pl\u0103\u021bii efective a debitului. Reglementarea posibilit\u0103\u021bii de a se calcula dob\u00e2nd\u0103 la dob\u00e2nd\u0103 este una de excep\u021bie, conform art. 1489 al. (2) din Codul civil, care folose\u0219te expresia \u201e&#8230; numai dac\u0103 &#8230;\u201d. \u00cen cele ce urmeaz\u0103, vom analiza condi\u021biile acestui \u201enumai dac\u0103 &#8230;\u201d.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><\/h4>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Ce tipuri de dob\u00e2nzi exist\u0103?<\/strong><\/h4>\n\n\n\n<p>Dob\u00e2nda poate s\u0103 \u00eembrace forma \u201edob\u00e2nzii contractuale\u201d, caz \u00een care creditorul are dreptul la dob\u00e2nda stabilit\u0103 \u00een contract, sau, \u00een lipsa acestei prevederi sau a contractului, creditorul are dreptul la \u201edob\u00e2nda legal\u0103\u201d, reglementat\u0103 de O.G. 13\/2011 \u00een variantele prev\u0103zute de art. 3 din acest act normativ (\u00een func\u021bie de calitatea p\u0103r\u021bilor \u00een raportul juridic).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><\/h4>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>C\u00e2nd este debitorul considerat \u00een \u00eent\u00e2rziere?<\/strong><\/h4>\n\n\n\n<p>Conform art. 1523 al. (2) lit. d) din Codul civil, debitorul care datoreaz\u0103 o sum\u0103 de bani creditorului, \u00een exerci\u021biul unei \u00eentreprinderi (activit\u0103\u021bi economice desf\u0103\u0219urate \u00een mod sistematic, organizat \u0219i cu titlu profesional), este de drept \u00een \u00eent\u00e2rziere pentru suma datorat\u0103, nemaifiind necesar\u0103 punerea lui \u00een \u00eent\u00e2rziere de c\u0103tre creditor.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><\/h4>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Care sunt dispozi\u021biile legale privind dob\u00e2nda la dob\u00e2nd\u0103?<\/strong><\/h4>\n\n\n\n<p>Dispozi\u021biile legale de natur\u0103 civil\u0103 privind dreptul creditorului de a calcula \u0219i imputa debitorului dob\u00e2nzi la dob\u00e2nzile devenite exigibile stabilesc c\u0103 o astfel de ac\u021biune a creditorului este permis\u0103 doar dac\u0103 legea sau contractul, \u00een limitele permise de lege, prevede ori, \u00een lips\u0103, atunci c\u00e2nd sunt cerute \u00een instan\u021b\u0103 (\u00een acest din urm\u0103 caz, dob\u00e2nzile curg numai de la data cererii de chemare \u00een judecat\u0103).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><\/h4>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Care sunt condi\u021biile pentru aplicarea dob\u00e2nzii la dob\u00e2nd\u0103?<\/strong><\/h4>\n\n\n\n<p>Creditorul poate imputa debitorului dob\u00e2nzi la dob\u00e2nzile anterior comunicate \u0219i devenite exigibile doar dac\u0103 o astfel de prevedere se reg\u0103se\u0219te \u00een clauzele contractului dintre p\u0103r\u021bi (ex. drepturile creditorului) sau atunci c\u00e2nd ele sunt prev\u0103zute de lege.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><\/h4>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Ce reglement\u0103ri specifice exist\u0103 privind capitalizarea dob\u00e2nzilor?<\/strong><\/h4>\n\n\n\n<p>Art. 8 al. (2) din O.G. nr. 13\/2011 stabile\u0219te c\u0103 dob\u00e2nzile se pot capitaliza \u0219i pot produce dob\u00e2nzi \u00een temeiul unei conven\u021bii speciale \u00eencheiate \u00een acest sens, dup\u0103 scaden\u021ba lor, dar numai pentru dob\u00e2nzi datorate pe cel pu\u021bin un an. F\u0103r\u0103 restric\u021bii, actul normativ prevede c\u0103 dob\u00e2nzile remuneratorii se pot capitaliza \u0219i pot produce dob\u00e2nzi.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><\/h4>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Ce diferen\u021biaz\u0103 dob\u00e2nda remuneratorie de dob\u00e2nda penalizatoare?<\/strong><\/h4>\n\n\n\n<p>\u201eDob\u00e2nda remuneratorie\u201d este dob\u00e2nda datorat\u0103 de debitorul obliga\u021biei de a da o sum\u0103 de bani la un anumit termen, calculat\u0103 pentru perioada anterioar\u0103 \u00eemplinirii termenului scaden\u021bei obliga\u021biei. \u201eDob\u00e2nda penalizatoare\u201d este datorat\u0103 de debitorul obliga\u021biei b\u0103ne\u0219ti pentru ne\u00eendeplinirea obliga\u021biei de plat\u0103 la scaden\u021b\u0103.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><\/h4>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Ce se \u00eent\u00e2mpl\u0103 c\u00e2nd dob\u00e2nda este cerut\u0103 \u00een instan\u021b\u0103?<\/strong><\/h4>\n\n\n\n<p>Prin excep\u021bie, c\u00e2nd o astfel de dob\u00e2nd\u0103 este cerut\u0103 \u00een instan\u021b\u0103, momentul de la care creditorul poate solicita plata dob\u00e2nzii este cel al \u00eenregistr\u0103rii cererii de chemare \u00een judecat\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ce \u00eenseamn\u0103 dob\u00e2nda la dob\u00e2nd\u0103? \u00cen practic\u0103, creditorii factureaz\u0103 dob\u00e2nzi contractuale, iar \u00een lipsa unui contract, dob\u00e2nda legal\u0103 pentru sume datorate \u0219i neachitate de debitori. \u00centrebarea este dac\u0103, odat\u0103 facturat\u0103 dob\u00e2nda, iar factura devine exigibil\u0103, aceste dob\u00e2nzi genereaz\u0103, la r\u00e2ndul lor, alte dob\u00e2nzi. Care sunt observa\u021biile generale privind dob\u00e2nda? Dob\u00e2nda ca desp\u0103gubire datorat\u0103 creditorului pentru [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":503,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"iawp_total_views":7,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-502","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dob\u00e2nd\u0103 la Dob\u00e2nd\u0103 -<\/title>\n<meta name=\"description\" content=\"Descoperi\u021bi dreptul creditorului de a aplica dob\u00e2nzi la dob\u00e2nzi \u0219i condi\u021biile necesare pentru capitalizarea acestora. Afl\u0103 mai multe detalii acum!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dob\u00e2nd\u0103 la Dob\u00e2nd\u0103 -\" \/>\n<meta property=\"og:description\" content=\"Descoperi\u021bi dreptul creditorului de a aplica dob\u00e2nzi la dob\u00e2nzi \u0219i condi\u021biile necesare pentru capitalizarea acestora. Afl\u0103 mai multe detalii acum!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-08-07T19:10:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-15T19:12:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/opre.ro\/wp-content\/uploads\/2024\/08\/dobanda-la-dobanda.png\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Aurelian Opre\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Aurelian Opre\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/\",\"url\":\"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/\",\"name\":\"Dob\u00e2nd\u0103 la Dob\u00e2nd\u0103 -\",\"isPartOf\":{\"@id\":\"https:\/\/opre.ro\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/opre.ro\/wp-content\/uploads\/2024\/08\/dobanda-la-dobanda.png\",\"datePublished\":\"2024-08-07T19:10:00+00:00\",\"dateModified\":\"2024-08-15T19:12:50+00:00\",\"author\":{\"@id\":\"https:\/\/opre.ro\/#\/schema\/person\/19a16489933b738bafb7ba55f6ecf2fa\"},\"description\":\"Descoperi\u021bi dreptul creditorului de a aplica dob\u00e2nzi la dob\u00e2nzi \u0219i condi\u021biile necesare pentru capitalizarea acestora. Afl\u0103 mai multe detalii acum!\",\"breadcrumb\":{\"@id\":\"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/#primaryimage\",\"url\":\"https:\/\/opre.ro\/wp-content\/uploads\/2024\/08\/dobanda-la-dobanda.png\",\"contentUrl\":\"https:\/\/opre.ro\/wp-content\/uploads\/2024\/08\/dobanda-la-dobanda.png\",\"width\":800,\"height\":600},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/opre.ro\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Dob\u00e2nd\u0103 la Dob\u00e2nd\u0103\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/opre.ro\/#website\",\"url\":\"https:\/\/opre.ro\/\",\"name\":\"\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/opre.ro\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/opre.ro\/#\/schema\/person\/19a16489933b738bafb7ba55f6ecf2fa\",\"name\":\"Aurelian Opre\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/opre.ro\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/f4cac4113f03c90e73263724e0303bfc9b3f068c2f15147976bad301fd67253f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/f4cac4113f03c90e73263724e0303bfc9b3f068c2f15147976bad301fd67253f?s=96&d=mm&r=g\",\"caption\":\"Aurelian Opre\"},\"url\":\"https:\/\/opre.ro\/index.php\/author\/aurelian-opre\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Dob\u00e2nd\u0103 la Dob\u00e2nd\u0103 -","description":"Descoperi\u021bi dreptul creditorului de a aplica dob\u00e2nzi la dob\u00e2nzi \u0219i condi\u021biile necesare pentru capitalizarea acestora. Afl\u0103 mai multe detalii acum!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/","og_locale":"en_US","og_type":"article","og_title":"Dob\u00e2nd\u0103 la Dob\u00e2nd\u0103 -","og_description":"Descoperi\u021bi dreptul creditorului de a aplica dob\u00e2nzi la dob\u00e2nzi \u0219i condi\u021biile necesare pentru capitalizarea acestora. Afl\u0103 mai multe detalii acum!","og_url":"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/","article_published_time":"2024-08-07T19:10:00+00:00","article_modified_time":"2024-08-15T19:12:50+00:00","og_image":[{"width":800,"height":600,"url":"https:\/\/opre.ro\/wp-content\/uploads\/2024\/08\/dobanda-la-dobanda.png","type":"image\/png"}],"author":"Aurelian Opre","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Aurelian Opre","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/","url":"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/","name":"Dob\u00e2nd\u0103 la Dob\u00e2nd\u0103 -","isPartOf":{"@id":"https:\/\/opre.ro\/#website"},"primaryImageOfPage":{"@id":"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/#primaryimage"},"image":{"@id":"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/#primaryimage"},"thumbnailUrl":"https:\/\/opre.ro\/wp-content\/uploads\/2024\/08\/dobanda-la-dobanda.png","datePublished":"2024-08-07T19:10:00+00:00","dateModified":"2024-08-15T19:12:50+00:00","author":{"@id":"https:\/\/opre.ro\/#\/schema\/person\/19a16489933b738bafb7ba55f6ecf2fa"},"description":"Descoperi\u021bi dreptul creditorului de a aplica dob\u00e2nzi la dob\u00e2nzi \u0219i condi\u021biile necesare pentru capitalizarea acestora. Afl\u0103 mai multe detalii acum!","breadcrumb":{"@id":"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/#primaryimage","url":"https:\/\/opre.ro\/wp-content\/uploads\/2024\/08\/dobanda-la-dobanda.png","contentUrl":"https:\/\/opre.ro\/wp-content\/uploads\/2024\/08\/dobanda-la-dobanda.png","width":800,"height":600},{"@type":"BreadcrumbList","@id":"https:\/\/opre.ro\/index.php\/2024\/08\/07\/dobanda-la-dobanda\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/opre.ro\/"},{"@type":"ListItem","position":2,"name":"Dob\u00e2nd\u0103 la Dob\u00e2nd\u0103"}]},{"@type":"WebSite","@id":"https:\/\/opre.ro\/#website","url":"https:\/\/opre.ro\/","name":"","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/opre.ro\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/opre.ro\/#\/schema\/person\/19a16489933b738bafb7ba55f6ecf2fa","name":"Aurelian Opre","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/opre.ro\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/f4cac4113f03c90e73263724e0303bfc9b3f068c2f15147976bad301fd67253f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f4cac4113f03c90e73263724e0303bfc9b3f068c2f15147976bad301fd67253f?s=96&d=mm&r=g","caption":"Aurelian Opre"},"url":"https:\/\/opre.ro\/index.php\/author\/aurelian-opre\/"}]}},"_links":{"self":[{"href":"https:\/\/opre.ro\/index.php\/wp-json\/wp\/v2\/posts\/502","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/opre.ro\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/opre.ro\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/opre.ro\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/opre.ro\/index.php\/wp-json\/wp\/v2\/comments?post=502"}],"version-history":[{"count":1,"href":"https:\/\/opre.ro\/index.php\/wp-json\/wp\/v2\/posts\/502\/revisions"}],"predecessor-version":[{"id":504,"href":"https:\/\/opre.ro\/index.php\/wp-json\/wp\/v2\/posts\/502\/revisions\/504"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/opre.ro\/index.php\/wp-json\/wp\/v2\/media\/503"}],"wp:attachment":[{"href":"https:\/\/opre.ro\/index.php\/wp-json\/wp\/v2\/media?parent=502"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/opre.ro\/index.php\/wp-json\/wp\/v2\/categories?post=502"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/opre.ro\/index.php\/wp-json\/wp\/v2\/tags?post=502"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}