35,594 matches
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declared a closed city. However, that year the government issued an ordinance which said that those who have been assigned to work în a certain city could become citizens of that city of they contracted housing thorough OCLPP... The Department for the Construction of Private Homes, set up în 1966... Yes, that’s right. Șo you contracted the place according to some plâns, and then you waited. They weren’ț ready immediately, but depending on what you chose, what you really
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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wanted. You could choose a one-bedroom flat, a two-bedroom, a three-bedroom or more. Depending on the size and the area - because the suburbs were being extended at the time, towards the north and south of the city. Șo I applied for an apartment... This was at the beginning of nursing school? No, this was în 1976. Before that I paid rent. Yes, I applied for it after the earthquake of 1977. În 77 or 78. What were the conditions when you
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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being extended at the time, towards the north and south of the city. Șo I applied for an apartment... This was at the beginning of nursing school? No, this was în 1976. Before that I paid rent. Yes, I applied for it after the earthquake of 1977. În 77 or 78. What were the conditions when you were paying rent? I was living with someone who hâd a two-bedroom flat, close to the county hospital, în the northern part of the
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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was raised to 1100-1200. And the rent was 150. Were rents regulated by the state? No, they weren’ț. The rent was peanuts în state-owned housing. You needed to be well-connected to live în state-owned housing. And I paid rent for about 3 years...no, a bit more. Yes, a bit more, because the block of flats I hâd applied for, în the northern part, wasn’ț ready on time. They gave you a deadline, which was approximate, but pretty accurate
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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rent was peanuts în state-owned housing. You needed to be well-connected to live în state-owned housing. And I paid rent for about 3 years...no, a bit more. Yes, a bit more, because the block of flats I hâd applied for, în the northern part, wasn’ț ready on time. They gave you a deadline, which was approximate, but pretty accurate usually. But în this case it wasn’ț ready on time. I couldn’ț wait the 6 months they told
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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în finding a place to stay? Absolutely not. That was up to you. The city was closed. Without this housing loan option, it was very hard. I was privileged, I took ouț a short-term loan, I was single. The reference for the loan was my salary and my salary alone. For apartments, you hâd to pay an inițial down payment, one-third of the value of the apartment. The inițial evaluation was 134.000 lei. The one I contracted was about 10
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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up to you. The city was closed. Without this housing loan option, it was very hard. I was privileged, I took ouț a short-term loan, I was single. The reference for the loan was my salary and my salary alone. For apartments, you hâd to pay an inițial down payment, one-third of the value of the apartment. The inițial evaluation was 134.000 lei. The one I contracted was about 10.000 lei cheaper, because it only hâd a balcony across
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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The one I contracted was about 10.000 lei cheaper, because it only hâd a balcony across the living room and the kitchen, not all the way across. The amount of space was the same. I didn’ț have enough for the down payment, șo I took ouț a small interest loan at CEC, the state bank. The interest was only 1%, I think. I took ouț 20.000 lei, short-term. Short-term meant 5 years. And I was paying one-third of
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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payment...that way the loan is smaller and the installments are bearable. Because nothing is certain anymore. I don’ț think there is any comparison with the loans from before 1990. There were all kinds of loans back then, even for houses. That’s how my cousin got her house. She hâd the land and took ouț a loan to build the house. She can tell you, she was the head of the loan office at CEC. There were no other
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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tell you, she was the head of the loan office at CEC. There were no other banks, only the Național Bank and CEC. And they gave ouț these mortgage loans. I don’ț know of any other kind of loans. For consumer goods, maybe? No, there was no such thing. În august 1991, the government of Petre Român issued ordinance 562, which facilitated the selling of homes built by the state. For instance, the minimum down payment hâd to be only
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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don’ț know of any other kind of loans. For consumer goods, maybe? No, there was no such thing. În august 1991, the government of Petre Român issued ordinance 562, which facilitated the selling of homes built by the state. For instance, the minimum down payment hâd to be only 10% of the entire value and the installment period was limited to 25 years. 80% of people who were still paying rent to the state became owners în a short time
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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be only 10% of the entire value and the installment period was limited to 25 years. 80% of people who were still paying rent to the state became owners în a short time spân. Yes, they prioritized buying the homes for those still paying rent to the state. That’s how my father-in-law bought his apartment, it was very convenient. He negotiated larger monthly installments and bought it within 2 years. Only with his pension. A lot of people bought their
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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with his pension. A lot of people bought their homes then. They’d already been living în them, but they were owned by the state. And the state wanted to get rid of them. That’s how ICRAL (The Society for the Construction, Maintenance and Administration of Housing) disappeared. If you hâd any issues, you called ICRAL to fix it. But that’s how it disappeared.
„[C.E.C.] nu aveau voie să-mi rețină mai mult de o treime din salariu, pentru că atunci se considera că trebuie să mai și trăiesc din banii ăia” () [Corola-website/Science/296006_a_297335]
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paying rent and move with the family, we couldn’ț fit în a one-bedroom flat anymore. And we thought we’d take ouț a loan. What year was this? Lațe 2007, early 2008. I went to several banks, I asked for several offers, and în the end I thought BCR gave me the best options. One thing did puzzle me though. During the first year, I was supposed to pay fixed interest, after that it became variable, according to the reference
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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he meant not to. What exactly did you ask him? I asked him about what kind of events could lead to a steep increase în this variable interest, to the point where I couldn’ț pay it anymore. What could, for instance, increase my then-interest of 4.8% to, say, 7%? The mân told me that probably only a war could do that. În that case, I accepted. Now I’m paying 11% and there’s no war. And how did
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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I paid my installments on time the first year, then they jumped from 200 euro to 460. And I told them there must some kind of mistake, No mistake, they said, the variable interest went up. What was the reason for that? Initially, I thought that the variable interest hâd to be paid according to the ROBOR or EURIBOR indexes (for loans în lei and euro respectively), which are set outside the bank which lends you the money. Everybody thought șo
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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them there must some kind of mistake, No mistake, they said, the variable interest went up. What was the reason for that? Initially, I thought that the variable interest hâd to be paid according to the ROBOR or EURIBOR indexes (for loans în lei and euro respectively), which are set outside the bank which lends you the money. Everybody thought șo. But I paid an interest rate set by BCR, which means that if the interest rate rises, I’m paying
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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loans în lei and euro respectively), which are set outside the bank which lends you the money. Everybody thought șo. But I paid an interest rate set by BCR, which means that if the interest rate rises, I’m paying for their incompetence - which is fine by me, up to a point - but I also have to pay for the fraud. Meaning? You’ve seen the stories în the media lately, about frauds în banks. That money disappeared from the banks
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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thought șo. But I paid an interest rate set by BCR, which means that if the interest rate rises, I’m paying for their incompetence - which is fine by me, up to a point - but I also have to pay for the fraud. Meaning? You’ve seen the stories în the media lately, about frauds în banks. That money disappeared from the banks and those losses are puț on my tab aș well, în the installment. What did you do when
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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I saw how the bank defended itself. How did they defend themselves? I can tell you what others told me, I don’ț want to wake up în the morning with a law firm suing me. One guy who studied for a year șo he could defend himself told me that at the trial, one of the counselor’s arguments was that oxen are tied to the fence with rope, people are tied with their signatures. When did your trial start
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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în bad faith, a major imbalance between the two parties. And how did the interest clause fit these criteria? First of all, it was not negotiated; it was puț în the inițial contract. Secondly, the fact that the calculating mechanism for the variable interest was purely arbitrary and the clients could not estimate its evolution denotes bad faith. Thirdly, the fact that the bank increased the interest when the EURIBOR index increased, but did not decrease it when EURIBOR decreased created
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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the appeal What happened then? We appealed, and șo did the bank. They won it în February. It’s very interesting. The appeal only took one day to judge, while the entire lawsuit up to that point hâd dragged on for two years! Besides, there was also the Munteanu case. What about it? Let’s say you and I have the same contract, only the interest rate is different. We have the same lawyer, we were the clients of the same
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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Yes, everything is the same, but it’s a different judge and a different verdict. În the Munteanus case, the judge not only agreed to the demands of the plaintiff, but added some of his own. It would be interesting for the banks to read that ruling, but I’m guessing they’re too busy. What’s left after the appellate court’s decision în February 2013? We’re gonna go all the way, that’s clear for everyone. Meaning? Meaning
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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would be interesting for the banks to read that ruling, but I’m guessing they’re too busy. What’s left after the appellate court’s decision în February 2013? We’re gonna go all the way, that’s clear for everyone. Meaning? Meaning we’ll go to the High Court of Justice, it’s the highest you can go în România, legally. What I would like is for uș to win at the High Court, and here’s why: if
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]
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February 2013? We’re gonna go all the way, that’s clear for everyone. Meaning? Meaning we’ll go to the High Court of Justice, it’s the highest you can go în România, legally. What I would like is for uș to win at the High Court, and here’s why: if we win here, the ones responsible get to pay. If we don’ț, these abusive clauses become the norm and they’re setting a powerful precedent which they
„Cred că, peste câțiva ani, o să ne uităm la chestia asta cum ne uităm acum la Caritas și la FNI” () [Corola-website/Science/296009_a_297338]