Clauza Penala in Contractele de Imprumut Pe Langa Dobanda Legala e Nelegala

7/23/2019 Clauza Penala in Contractele de Imprumut Pe Langa Dobanda Legala e Nelegala

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NALTA CURTE DE CASAIE I JUSTIIE

- SECIILE UNITE -

DECIZIA Nr. XI

din 24 octombri 2!!"

#$b%ic&t' in (onitor$% )*ici&%+ #&rt& I nr. ,2 din !/!2/2!!0

Do1&r nr. /2!!"

S$b 3rdin5i& domn$%$i 3ro*. $ni6. dr. Nico%& #o3&+ 3rdint% n&%ti C$r5i d C&1&5i i

J$1ti5in&%t& C$rt d C&1&5i i J$1ti5i+ con1tit$it' 7n Sc5ii Unit 7n con*ormit&t c$ di13o8i5ii% &rt.

2" %it. &9 din L:& nr. !4/2!!4 3ri6ind or:&ni8&r& ;$dici&r'+ r3$b%ic&t'+ 1-& 7ntr$nit 3ntr$ &

n:'

n&%t& C$rt d C&1&5i i J$1ti5i+ c$ 3ri6ir %& &3%ic&r& di13o8i5ii%or &rt. ,+ 2 i &% &rt. &%in. , i

2 din )rdon&n5& ?$6rn$%$i nr. /2!!!+ &3rob&t' 3rin L:& nr. "0/2!!2+ r*rito&r %& c%&$8&

3n&%' 3rin c&r 1 in1tit$i ob%i:&5i& r1tit$irii %& 1c&dn5' & 1$mi 7m3r$m$t&t 1$b 1&nc5i$n&

3n&%it'5i%or d 7nt>r8ir+ 3 %>n:' dob>nd& contr&ct$&%' con6nit' d 3'r5i 1&$ 3 %>n:'

dob>nd& %:&%'.

Sc5ii% Unit &$ *o1t con1tit$it c$ r13ct&r& 3r6dri%or &rt. 4 din L:& nr. !4/2!!4+r3$b%ic&t'+ *iind 3r8n5i @4 d ;$dc'tori din tot&%$% d ,,, ;$dc'tori 7n *$nc5i.

#roc$ror$% :nr&% &% #&rc=t$%$i d 3 %>n:' n&%t& C$rt d C&1&5i i J$1ti5i & *o1t

r3r8nt&t d 3roc$ror$% %orn5& B&%t'.

R3r8nt&nt& 3roc$ror$%$i :nr&% &% #&rc=t$%$i d 3 %>n:' n&%t& C$rt d C&1&5i i

J$1ti5i & 1$15in$t rc$r1$% 7n intr1$% %:ii+ 3$n>nd conc%$8ii 3ntr$ &dmitr& &c1t$i&+ 7n 1n1$%

d & 1 dcid c' 3r6dr& 7ntr-$n contr&ct d crdit & c%&$8i 3n&% 3rin c&r 1 in1tit$i

ob%i:&5i& r1tit$irii %& 1c&dn5' & 1$mi 7m3r$m$t&t 1$b 1&nc5i$n& 3n&%it'5i%or d 7nt>r8ir+ 3

%>n:' dob>nd& contr&ct$&%' con6nit' 1&$ 3 %>n:' dob>nd& %:&%'+ contr&6in di13o8i5ii%or %:ii.

SECIILE UNITE+

d%ibr>nd &1$3r& rc$r1$%$i 7n intr1$% %:ii d *&5'+ con1t&t' $rm'to&r%

n &3%ic&r& di13o8i5ii%or &rt. ,+ 2 i &% &rt. &%in. , i 2 din )rdon&n5& ?$6rn$%$i nr. /2!!!+

&3rob&t' 3rin L:& nr. "0/2!!2+ r*rito&r %& c%&$8& 3n&%' 3rin c&r 1 in1tit$i ob%i:&5i&


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r1tit$irii %& 1c&dn5' & 1$mi 7m3r$m$t&t 1$b 1&nc5i$n& 3n&%it'5i%or d 7nt>r8ir+ 3 %>n:'

dob>nd& contr&ct$&%' con6nit' 1&$ 3 %>n:' dob>nd& %:&%'+ in1t&n5% ;$dc'torti 1-&$

3ron$n5&t 7n mod di*rit.

A1t*%+ $n% in1t&n5 &$ con1idr&t c' ob%i:&5i& 7m3r$m$t&t$%$i d & r1tit$i %& 1c&dn5' 1$m&

7m3r$m$t&t'+ 1$b 1&nc5i$n& 3n&%it'5i%or d 7nt>r8ir+ 3 %>n:' dob>nd& contr&ct$&%' 1t&bi%it'1&$ dob>nd& %:&%'+ cor13$nd 3r6dri%or %:&%.

n moti6&r& &c1t$i 3$nct d 6dr 1-& r%6&t c'+ din momnt c 1t 1ti3$%&t' 7n contr&ct+

c%&$8& 3n&%' 3rod$c con1cin5 ;$ridic 7n tmi$% &rt. 0 din Cod$% ci6i%+ 3otri6it c'r$i&

con6n5ii% %:&% *'c$t &$ 3$tr d %: 7ntr 3'r5i% contr&ct&nt. S-& m&i 7n6dr&t c' &c&1t'

c%&$8' n$ 3o&t *i con1idr&t' n%:&%' 1&$ imor&%' c>t tim3+ 3rin 3r6dr& i 7n contr&ct+ 1

$rm'rt 1&nc5ion&r& dbitor$%$i 7n c&8$% n7nd3%inirii ob%i:&5ii 3ri6ind r13ct&r& trmn$%$i

d r&mb$r1&r & r&t%or crdit$%$i.

C& $rm&r+ &c1t in1t&n5+ 7ntmind$-1 3 di13o8i5ii% &rt. 0 i &% &rt. ,! &%in. , din

)rdon&n5& ?$6rn$%$i nr. /2!!!+ &1t*% c$m & *o1t modi*ic&t' 3rin L:& nr. "0/2!!2+ 1-&$3ron$n5&t 7n 1n1$% ob%i:'rii dbitor$%$i %& r1tit$ir& 1$mi d&tor&t+ & dob>n8ii con6nit 1&$ &

dob>n8ii %:&%+ 3rc$m i & 3n&%it'5i%or d 7nt>r8ir.

A%t in1t&n5 &$ ob%i:&t dbitor$% %& r1tit$ir& 1$mi 7m3r$m$t&t i %& 3%&t& dob>n8ii con6nit

1&$ & c%i %:&%+ 3rc$m i & 3n&%it'5i%or d 7nt>r8ir+ di13$n>nd totod&t' r&ct$&%i8&r&

&c1tor 1$m 7n r&3ort c$ r&t& in*%&5ii.

n moti6&r& &c1t$i 3$nct d 6dr 1-& &r't&t c' ob%i:&5ii% &1$m&t 3rin contr&ct$% d

7m3r$m$t c$ 3ri6ir %& 3%&t& r&t%or d&tor&t+ & dob>n8i%or i & 3n&%it'5i%or d 7nt>r8ir &$ d3%in'

6&%&bi%it&t do&rc+ *iind con6nit %:&% 7ntr 3'r5i+ &$ 3$tr d %: 7ntr &c1t& con*orm &rt.

0 &%in. , din Cod$% ci6i%.n *in+ &%t in1t&n5+ dim3otri6'+ &$ con1idr&t c' 1t n$%' c%&$8& 3n&%' 3rin c&r 1$nt

3r6'8$t 3n&%it'5i d 7nt>r8ir+ 7n &*&r& dob>n8ii contr&ct$&% 1&$ & c%i %:&%+ &3rciind c' o

&1mn& c%&$8' 1t 3ro=ibit' d %:. C& $rm&r+ 3rin =ot'r>ri% 3ron$n5&t d &c1t in1t&n5

dbitor$% & *o1t ob%i:&t 1' 3%'t&1c' do&r 1$m% nr1tit$it crditor$%$i+ 3rc$m i dob>n8i%

c$rnt r1t&nt.

n ;$1ti*ic&r& &c1t$i 3$nct d 6dr 1-& moti6&t c'+ 7n r&3ort c$ 3r6dri% L:ii nr.

,/,@+ c&r n$ & *o1t &bro:&t' i nici n$ & c'8$t 7n d1$t$din+ c%&$8& 3n&%' 7n contr&ct%

d 7m3r$m$t 1t intr8i1'. S-& m&i r%6&t c'+ &t>t tim3 c>t di13o8i5ii% %:&% c&r n$ 3rmit

3r6dr& c%&$8i 3n&% 7n contr&ct% d 7m3r$m$t 1$nt d ordin 3$b%ic'+ 3otri6it &rt. " dinCod$% ci6i% n$ 1 3o&t dro:& d %& &c1t di13o8i5ii 3rin con6n5ii.

Ac1t din $rm' in1t&n5 &$ intr3rt&t i &$ &3%ic&t corct di13o8i5ii% %:ii.

ntr-&d6'r+ 3otri6it &rt. , din )rdon&n5& ?$6rn$%$i nr. /2!!! 3ri6ind ni6%$% dob>n8ii %:&%

3ntr$ ob%i:&5ii b'nti+ &1t*% c$m & *o1t &3rob&t' 3rin L:& nr. "0/2!!2+ 3'r5i% 1$nt %ibr 1'

1t&bi%&1c'+ 7n con6n5ii+ r&t& dob>n8ii 3ntr$ 7nt>r8ir& %& 3%&t& $ni ob%i:&5ii b'nti.


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#rin &rt. 2 din &c&i ordon&n5' 1 3r6d c'+ 7n c&8$% 7n c&r+ 3otri6it di13o8i5ii%or %:&%

1&$ 3r6dri%or contr&ct$&%+ ob%i:&5i& 1t 3$rt'to&r d dob>n8i *'r' 1' 1 &r&t r&t& dob>n8ii+

1 6& 3%'ti dob>nd& %:&%'+ i&r 7n &rt. 1t r:%mnt&t mod$% d 1t&bi%ir & dob>n8ii %:&% 7n

m&tri comrci&%'.

# d &%t' 3&rt+ 7n con*ormit&t c$ &rt. " &%in. , din ordon&n5& mn5ion&t'+ 7n r&3ort$ri% ci6i%dob>nd& n$ 3o&t d3'i dob>nd& %:&%' c$ m&i m$%t d "! 3 &n.

n &c%&i 1n1+ 7n r:%mnt&r& d&t' 3rin &rt. ,! &%in. 2 din Cod$% ci6i%+ c%&$8& 3rin c&r+

d m&i 7n&int i 7n momnt$% 3romo6'rii $ni con6n5ii &%t& dc>t o con6n5i comrci&%'+ 1 6&

1ti3$%& dob>nd& %& dob>n8i% d&tor&t 3ntr$ $n &n 1&$ 3ntr$ m&i 3$5in+ ori m&i m$%t d $n &n+

1&$ %& &%t 6nit$ri 6iito&r+ 1 6& dc%&r& n$%'.

Tot &1t*%+ 3rin L:& nr. , din 2! *br$&ri ,@+ &% c'ri di13o8i5ii 1$nt 7n 6i:o&r i

con1tit$5ion&%+ 3otri6it Dci8ii C$r5ii Con1tit$5ion&% nr. "24 din 2 dcmbri ,@+ 1-& 3r6'8$t

%& &rt. , c' 1t &n$%&t' c%&$8& 3n&%' din contr&ct% d 7m3r$m$t 1&$ 3r1t&5i$ni 7n n&t$r'+

3rc$m i c' J$dc'tor$%+ 7n c&8 d 7m3r$m$t 6& 3$t& cond&mn& n$m&i %& 3%&t& dob>n8ii3r6'8$t' 7n &rt. ," din Cod$% ci6i%+ 1&$ 7n c&8 d &%t ob%i:&5i$ni+ %& d&$n-intr1+ con*orm

&rt. ,!4 din Cod$% ci6i%.

)r+ 3otri6it &rt. ," &%in. , din Cod$% ci6i%+ 1 d*i: o dob>nd' d cinci %& 1$t' 3 &n 3ntr$

&*&cri% ci6i% i d &1 %& 1$t' 3 &n 3ntr$ c% comrci&%+ 7n to&t c&8$ri% $nd n$ 1-&

=ot'r>t d 3'r5i c$&nt$m$% i.

C& $rm&r+ 3r6dri% &rt. , din )rdon&n5& ?$6rn$%$i nr. /2!!!+ &1t*% c$m & *o1t &3rob&t'

3rin L:& nr. "0/2!!2+ 3otri6it c'ror& 3'r5i% 1$nt %ibr 1' 1t&bi%&1c'+ 7n con6n5ii+ r&t&

dob>n8ii 3ntr$ 7nt>r8ir& %& 3%&t& $ni ob%i:&5ii b'nti+ n$ 7n:'d$i dc>t 3r&ctic&r& d

dob>n8i %imit&t 7n r&3ort$ri% ci6i%+ con*orm 3r6dri%or &rt. " &%in. , din &c&i %:+ %&3o1ibi%it&t& d & d3'i dob>nd& %:&%' c$ c% m$%t "! 3 &n.

R8$%t' dci c' n$ t c$ c% m$%t "! 3 &n+ 1&$ d 1&nc5i$ni con1t>nd 7n 3n&%it'5i d 7nt>r8ir.

A& *iind+ c%&$8& 3n&%' 3rin c&r 1 1t&bi%t ob%i:&5i& r1tit$irii %& 1c&dn5' & 1$mi

7m3r$m$t&t 1$b 1&nc5i$n& 3n&%it'5i%or d 7nt>r8ir+ 3 %>n:' dob>nd& contr&ct$&%' con6nit'

1&$ 3 %>n:' dob>nd& %:&%'+ &6>nd o c&$8' n%icit'+ 7n r&3ort c$ di13o8i5ii% &rt. " i &% &rt. 0

din Cod$% ci6i%+ contr&6in 3r6dri%or %:ii.

n con1cin5'+ 7n tmi$% di13o8i5ii%or &rt. 2" %it. &9 din L:& nr. !4/2!!4 3ri6ind or:&ni8&r&

;$dici&r'+ r3$b%ic&t'+ i &% &rt. 2 &%in. 2 i din Cod$% d 3rocd$r' ci6i%'+ $rm&8' & 1

&dmit rc$r1$% 7n intr1$% %:ii i & 1 dcid 7n 1n1$% c' oric c%&$8' 3n&%' 3rin c&r 1

1t&bi%t ob%i:&5i& r1tit$irii %& 1c&dn5' & 1$mi 7m3r$m$t&t 1$b 1&nc5i$n& 3n&%it'5i%or d


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7nt>r8ir+ 3 %>n:' dob>nd& contr&ct$&%' con6nit' 1&$ 3 %>n:' dob>nd& %:&%'+ contr&6in

3r6dri%or %:ii.

#ENTRU ACESTE ()TIFE

n n$m% %:ii

D E C I D

Admit rc$r1$% 7n intr1$% %:ii dc%&r&t d 3roc$ror$% :nr&% &% #&rc=t$%$i d 3 %>n:' n&%t&

C$rt d C&1&5i i J$1ti5i.

n &3%ic&r& di13o8i5ii%or &rt. ,+ &rt. 2 i &% &rt. &%in. , i 2 din )rdon&n5& ?$6rn$%$i nr.

/2!!!+ &3rob&t' 3rin L:& nr. "0/2!!2+ c$ r*rir %& &rt. 0 &%in. , din Cod$% ci6i%+ 1t&bi%1c

C%&$8& 3n&%' 3rin c&r 1 1t&bi%t ob%i:&5i& r1tit$irii %& 1c&dn5' & 1$mi 7m3r$m$t&t 1$b1&nc5i$n& 3n&%it'5i%or d 7nt>r8ir+ 3 %>n:' dob>nd& contr&ct$&%' con6nit' 1&$ 3 %>n:'

dob>nd& %:&%'+ contr&6in 3r6dri%or %:ii.

)b%i:&tori+ 3otri6it &rt. 2 &%in. din Cod$% d 3rocd$r' ci6i%'.

#ron$n5&t' 7n din5' 3$b%ic'+ &1t'8i+ 24 octombri 2!!".

#REEDINTELE NALTEI CURI DE CASAIE I JUSTIIE+

3ro*. $ni6. dr. NIC)LAE #)#A

#rim-m&:i1tr&t-&1i1tnt+Io&n R'i%&n$

Clauza Penala in Contractele de Imprumut Pe Langa Dobanda Legala e Nelegala

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Transcript of Clauza Penala in Contractele de Imprumut Pe Langa Dobanda Legala e Nelegala