{"id":100429,"date":"2013-10-18T11:19:40","date_gmt":"2013-10-18T11:19:40","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=100429"},"modified":"2013-10-18T11:19:40","modified_gmt":"2013-10-18T11:19:40","slug":"bancherii-incep-sa-ieftineasca-creditele-de-consum-de-teama-ca-raman-fara-clienti-topul-bancilor-in-functie-de-dobanzile-oferite","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=100429","title":{"rendered":"Bancherii \u00eencep s\u0103 ieftineasc\u0103 creditele de consum de team\u0103 c\u0103 r\u0103m\u00e2n f\u0103r\u0103 clien\u0163i. Topul b\u0103ncilor \u00een func\u0163ie de dob\u00e2nzile oferite"},"content":{"rendered":"

\n Astfel, dac\u0103 \u00een urm\u0103 cu un an pu\u0163ine oferte coborau cu dob\u00e2nzile sub 15% pe an, \u00een prezent multe b\u0103nci au cobor\u00e2t cu costurile efective \u00een zona 12-13% pe an, iar cele mai bune oferte au ajuns deja pe palierul de 10% pe an, arat\u0103 datele agregate de portalul financiar conso.ro. De exemplu, Banca Transilvania \u00ee\u015fi tenteaz\u0103 clien\u0163ii care de\u0163in un cont de salariu cu dob\u00e2nd\u0103 efectiv\u0103 de 10,15% pe an, \u00een timp ce Volksbank are \u00een oferta standard un credit de consum cu un cost efectiv de 10,2% pe an.<\/p>\n

\nBancherii au \u00eenceput s\u0103 promoveze mai agresiv creditele de consum, principala \u0163int\u0103 fiind clien\u0163ii cu istoric bun de plat\u0103 sau cei care \u00ee\u015fi \u00eencaseaz\u0103 salariul \u00eentr-un cont curent. Juc\u0103torii din pia\u0163\u0103 spun c\u0103 \u015fi clien\u0163ii au devenit mai interesa\u0163i s\u0103 se \u00eemprumute, cererea venind \u00een principal de la persoane care au luat credite cu dob\u00e2nzi mari \u00een trecut \u015fi acum vor s\u0103-\u015fi refinan\u0163eze datoria veche la un cost rezonabil.<\/p>\n

\nCititi mai multe pe<\/a> www.mediafax.ro<\/p>\n","protected":false},"excerpt":{"rendered":"

Cele mai ieftine credite de consum \u00een lei afi\u015feaz\u0103 dob\u00e2nzi efective de circa 10% pe an, dar deocamdat\u0103 nicio banc\u0103 nu a avut curajul s\u0103 arunce pe pia\u0163\u0103 o ofert\u0103 cu un cost efectiv de o singur\u0103 cifr\u0103. Creditele de consum s-au ieftinit \u00een condi\u00ad\u0163iile \u00een care bancherii au ajuns s\u0103 se \u00eemprumute mai ieftin de pe pia\u0163a monetar\u0103, f\u0103r\u0103 s\u0103 renun\u0163e \u00eens\u0103 la marjele de c\u00e2\u015ftig ridicate. <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[4124,7267,4126,10157,33098,187,448,8445,10628,183,274,34896,7630],"class_list":["post-100429","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bancheri","tag-banci","tag-clienti","tag-cost","tag-credite-de-consum","tag-dobanzi","tag-functie","tag-ieftin","tag-ieftinire","tag-imprumut","tag-incepere","tag-teama","tag-top"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/100429","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=100429"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/100429\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=100429"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=100429"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=100429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}