{"id":103268,"date":"2014-01-20T17:42:32","date_gmt":"2014-01-20T17:42:32","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=103268"},"modified":"2014-01-20T17:42:32","modified_gmt":"2014-01-20T17:42:32","slug":"ipotecarele-in-lei-au-ajuns-la-acelasi-pret-cu-cele-in-euro","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=103268","title":{"rendered":"Ipotecarele \u00een lei au ajuns la acela\u015fi pre\u0163 cu cele \u00een euro"},"content":{"rendered":"<div>\nStocul creditelor \u00een lei acordate pentru achizi\u0163ia de locuin\u0163e a dep\u0103\u015fit 3 miliarde de lei \u00een noiembrie dup\u0103 accelerarea v\u00e2nz\u0103rilor \u00een toamna trecut\u0103, ca rezultat al mut\u0103rii programului Prima cas\u0103 exclusiv pe lei \u015fi al sc\u0103derii dob\u00e2nzilor. Circa 2.000 de credite ipotecare \u00een lei au fost v\u00e2ndute \u00een luna noiembrie.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nCostul leilor pe pia\u0163a interbancar\u0103 a sc\u0103zut \u00een prezent la minime istorice, iar b\u0103ncile au ajustat la r\u00e2ndul lor dob\u00e2nzile la creditele \u00een lei. La nivelul actual de 2% al Robor la 3 luni (indicatorul utilizat ca referin\u0163\u0103 pentru costul creditelor de retail) un credit \u00een lei a ajuns la o dob\u00e2nd\u0103 efectiv\u0103 egal\u0103 cu cea a unui credit \u00een euro.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nAstfel, rata lunar\u0103 la un credit de 180.000 de lei (echivalentul a 40.000 de euro) contractat pe 30 de ani porne\u015fte la 950 de lei (210 euro). Suma de rambursat p\u00e2n\u0103 la finalul contractului este de 363.000 de lei, iar dob\u00e2nda efectiv\u0103 este de 5,7% pe an. Spre compara\u0163ie, un credit \u00een euro de aceea\u015fi valoare are o rat\u0103 lunar\u0103 de 220 de euro.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nCreditele \u00een lei au fost ocolite mult timp de clien\u0163i tocmai din cauza dob\u00e2nzilor prea mari. De exemplu, rata la un credit \u00een lei era cu circa 30% mai mare fa\u0163\u0103 de rata la un ipotecar \u00een euro la \u00eenceputul anului trecut. Bancherii au promovat \u00een trecut agresiv \u00eemprumuturile \u00een valut\u0103, \u00een condi\u0163iile \u00een care aveau resurse ieftine de la b\u0103ncile-mam\u0103 din str\u0103in\u0103tate.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nDispari\u0163ia acestor resurse au for\u0163at bancherii s\u0103 mizeze mai mult pe creditele \u00een lei, strategia acestora fiind sprijinit\u0103 \u015fi de politica de relaxare monetar\u0103 a b\u0103ncii centrale. Dob\u00e2nda-cheie la lei a fost redus\u0103 cu 1,5 puncte procentuale \u00een ultima jum\u0103tate de an, la un minim de 3,75% pe an.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n<style type=\"text\/css\">\n<!-- br {mso-data-placement:same-cell;} --><\/style>\n<p><span style=\"font-size:13px;font-family:arial,sans,sans-serif;font-weight:bold;color:#000000;text-align:left;\">Articol publicat \u00een edi\u0163ia tip\u0103rit\u0103 a Ziarului Financiar din data de 17.01.2014<\/span><\/div>\n<div>\n&nbsp;<\/div>\n<div>\n<span style=\"font-size:13px;font-family:arial,sans,sans-serif;font-weight:bold;color:#000000;text-align:left;\"><img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/11932725\/2\/6-credite.jpg?height=928&#038;width=400\" style=\"width: 400px; height: 928px; float: left;\" \/><\/span><\/div>\n<div>\n&nbsp;<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Stocul creditelor \u00een lei acordate pentru achizi\u0163ia de locuin\u0163e a dep\u0103\u015fit 3 miliarde de lei \u00een noiembrie dup\u0103 accelerarea v\u00e2nz\u0103rilor \u00een toamna trecut\u0103, ca rezultat al mut\u0103rii programului Prima cas\u0103 exclusiv pe lei \u015fi al sc\u0103derii dob\u00e2nzilor. Circa 2.000 de credite ipotecare \u00een lei au fost v\u00e2ndute \u00een luna noiembrie.<\/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":[485,8356,187,482],"class_list":["post-103268","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-credite","tag-credite-ipotecare","tag-dobanzi","tag-pret"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/103268","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=103268"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/103268\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=103268"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=103268"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=103268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}