{"id":4705,"date":"2022-01-15T18:44:49","date_gmt":"2022-01-15T16:44:49","guid":{"rendered":"https:\/\/europedirectmaramures.cdimm.org\/?p=4705"},"modified":"2022-01-15T18:46:54","modified_gmt":"2022-01-15T16:46:54","slug":"%f0%9d%97%96%f0%9d%97%bc%f0%9d%97%bb%f0%9d%98%80%f0%9d%98%82%f0%9d%97%b9%f0%9d%98%81%f0%9d%97%ae%f0%9d%97%bf%f0%9d%97%b2-%f0%9d%97%bd%f0%9d%98%82%f0%9d%97%af%f0%9d%97%b9%f0%9d%97%b6%f0%9d%97%b0","status":"publish","type":"post","link":"https:\/\/europedirectmaramures.cdimm.org\/?p=4705","title":{"rendered":"\ud835\uddd6\ud835\uddfc\ud835\uddfb\ud835\ude00\ud835\ude02\ud835\uddf9\ud835\ude01\ud835\uddee\ud835\uddff\ud835\uddf2 \ud835\uddfd\ud835\ude02\ud835\uddef\ud835\uddf9\ud835\uddf6\ud835\uddf0\ud835\uddee\u0306 \ud835\uddff\ud835\uddf2\ud835\uddf3\ud835\uddf2\ud835\uddff\ud835\uddf6\ud835\ude01\ud835\uddfc\ud835\uddee\ud835\uddff\ud835\uddf2 \ud835\uddf9\ud835\uddee \ud835\uddff\ud835\uddf2\ud835\uddf2\ud835\ude05\ud835\uddee\ud835\uddfa\ud835\uddf6\ud835\uddfb\ud835\uddee\ud835\uddff\ud835\uddf2\ud835\uddee \ud835\uddd7\ud835\uddf6\ud835\uddff\ud835\uddf2\ud835\uddf0\ud835\ude01\ud835\uddf6\ud835\ude03\ud835\uddf2\ud835\uddf6 \ud835\uddfd\ud835\uddff\ud835\uddf6\ud835\ude03\ud835\uddf6\ud835\uddfb\ud835\uddf1 \ud835\uddf0\ud835\uddff\ud835\uddf2\ud835\uddf1\ud835\uddf6\ud835\ude01\ud835\uddf2\ud835\uddf9\ud835\uddf2 \ud835\uddf6\ud835\uddfd\ud835\uddfc\ud835\ude01\ud835\uddf2\ud835\uddf0\ud835\uddee\ud835\uddff\ud835\uddf2"},"content":{"rendered":"\t\t
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Particip\u0103 la consultarea public\u0103 deschis\u0103 p\u00e2n\u0103 pe 28.02.2022!<\/span><\/div>
\"\ud83d\udc49\"<\/span> https:\/\/bit.ly\/ConsDCrediteI<\/a><\/div>
\"\ud83d\udcac\"<\/span>Context: Digitalizarea poate aduce numeroase beneficii consumatorilor, \u00een special \u00een ceea ce prive\u0219te facilitarea accesului la produse \u0219i reducerea costurilor.<\/div>
Dar digitalizarea poate genera \u00een acela\u0219i timp noi provoc\u0103ri pentru protec\u021bia consumatorilor. De exemplu, digitalizarea poate facilita noi modalit\u0103\u021bi de acordare a creditelor ipotecare (cum ar fi finan\u021barea participativ\u0103 sau creditarea de tip peer-to-peer), care nu sunt neap\u0103rat supuse \u00een toate cazurile garan\u021biilor prev\u0103zute de Directiva privind creditele ipotecare.<\/div>
De asemenea, poate exista un risc de discriminare legat de deciziile de creditare bazate pe algoritmi (utilizarea inteligen\u021bei artificiale), deoarece pot prezenta riscuri semnificative pentru drepturile fundamentale ale persoanelor.<\/div>
\u00cen plus, cl\u0103dirile din UE sunt responsabile \u00een mod colectiv pentru 40 % din consumul de energie \u0219i pentru 36 % din emisiile de gaze cu efect de ser\u0103. Prin urmare, \u00eembun\u0103t\u0103\u021birea eficien\u021bei energetice \u0219i asigurarea utiliz\u0103rii materialelor sustenabile pentru cl\u0103diri au un rol esen\u021bial \u00een atingerea obiectivului ambi\u021bios de neutralitate a emisiilor de dioxid de carbon p\u00e2n\u0103 \u00een 2050, prev\u0103zut de Pactul verde european.<\/div>
\u00a0<\/div>
\"\u2139\ufe0f\"<\/span>Mai multe informa\u021bii despre creditele ipotecare \u00een UE aici: https:\/\/bit.ly\/DespreCrediteI<\/a><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Particip\u0103 la consultarea public\u0103 deschis\u0103 p\u00e2n\u0103 pe 28.02.2022! https:\/\/bit.ly\/ConsDCrediteIContext: Digitalizarea poate aduce numeroase beneficii consumatorilor, \u00een special \u00een ceea ce prive\u0219te facilitarea accesului la produse \u0219i reducerea costurilor.Dar digitalizarea poate genera \u00een acela\u0219i timp noi provoc\u0103ri pentru protec\u021bia consumatorilor. De exemplu, digitalizarea poate facilita noi modalit\u0103\u021bi de acordare a creditelor ipotecare (cum ar fi finan\u021barea […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-4705","post","type-post","status-publish","format-standard","hentry","category-noutati"],"_links":{"self":[{"href":"https:\/\/europedirectmaramures.cdimm.org\/index.php?rest_route=\/wp\/v2\/posts\/4705","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/europedirectmaramures.cdimm.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/europedirectmaramures.cdimm.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/europedirectmaramures.cdimm.org\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/europedirectmaramures.cdimm.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4705"}],"version-history":[{"count":7,"href":"https:\/\/europedirectmaramures.cdimm.org\/index.php?rest_route=\/wp\/v2\/posts\/4705\/revisions"}],"predecessor-version":[{"id":4713,"href":"https:\/\/europedirectmaramures.cdimm.org\/index.php?rest_route=\/wp\/v2\/posts\/4705\/revisions\/4713"}],"wp:attachment":[{"href":"https:\/\/europedirectmaramures.cdimm.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4705"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/europedirectmaramures.cdimm.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4705"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/europedirectmaramures.cdimm.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}