\nPiraeus Bank a anun\u0163at \u00een cursul zilei de joi c\u0103 va reduce dob\u00e2nda la creditele \u00een franci elve\u0163ieni cu 0,8 puncte procentuale, prin actualizarea \u00een avans a indicelui LIBOR la 3 luni, \u201cdup\u0103 ce anun\u0163ase c\u0103 ofer\u0103 solu\u0163ii individuale clien\u0163ilor cu astfel de \u00eemprumuturi\u201d, potrivit unui comunicat publicat de Mediafax. \u00cen aceea\u015fi zi, Credit Europe Bank a transmis c\u0103 reduce dob\u00e2nzile la toate creditele \u00een franci elve\u0163ieni cu dob\u00e2nd\u0103 variabil\u0103, prin actualizarea anticipat\u0103 a indicelui LIBOR valabil miercuri, 4 februarie, m\u0103sura fiind aplicat\u0103 p\u00e2n\u0103 la urm\u0103torul termen de revizuire prev\u0103zut \u00een fiecare contract.<\/p>\n
\nC\u00e2t de mult efort au depus b\u0103ncile \u00een adoptarea unei astfel de decizii?<\/p>\n
\nAjustarea este de fapt o consecin\u0163\u0103 natural\u0103 a sc\u0103derii indicelui LIBOR ca urmare a deciziei B\u0103ncii Centrale Elve\u0163iene. LIBOR (London Interbank Offered Rate) este rata de referin\u0163\u0103 la calcularea dob\u00e2nzilor interbancare pe pia\u0163a londonez\u0103, indicele fiind cotat la -0,87% pe termen de trei luni. Ajustarea ar fi fost f\u0103cut\u0103 oricum \u00een contextul modific\u0103rii acestui indice, singura m\u0103sur\u0103 luat\u0103 de Piraeus, c\u00e2t \u015fi de alte b\u0103nci care au anun\u0163at sc\u0103derea dob\u00e2nzii cu -0,87% fiind decizia implement\u0103rii \u00een mod anticipat a unei m\u0103suri care oricum avea s\u0103 fie luat\u0103 pentru to\u0163i clien\u0163ii cu dob\u00e2nzi variabile, formate din marj\u0103 \u015fi LIBOR. Astfel, spre exemplu, pentru un credit cu dob\u00e2nd\u0103 variabil\u0103 pentru care un client a \u00eenceput s\u0103 pl\u0103teasc\u0103 \u00een luna februarie, dob\u00e2nda ar fi sc\u0103zut \u00een mod automat \u00een luna aprilie, decizia Piraeus fiind s\u0103 gr\u0103beasc\u0103 termenul. Cu siguran\u0163\u0103 un cost mic, fa\u0163\u0103 de capitalul de imagine c\u00e2\u015ftigat. Reprezentan\u0163ii Piraeus nu au precizat \u00een comunicatul trimis dac\u0103 vor aplica m\u0103sura \u015fi \u00een cazul dob\u00e2nzilor fixe, spre deosebire de Credit Europe Bank, care a specificat totu\u015fi acest lucru \u00een informarea trimis\u0103.<\/p>\n
\nUn calcul simplu arat\u0103 \u00eens\u0103 c\u0103 b\u0103ncile nu au f\u0103cut de fapt nimic pentru a rezolva adev\u0103rata problem\u0103 a clien\u0163ilor:<\/p>\n
\nS\u0103 nu uit\u0103m, dob\u00e2nda este format\u0103 din marja b\u0103ncii \u015fi din indicele LIBOR, EURIBOR sau ROBOR, \u00een func\u0163ie de moned\u0103. \u00cen 2007, indicele LIBOR era de 2,7 puncte procentuale, potrivit Conso.ro, iar dob\u00e2nda pl\u0103tit\u0103 de clien\u0163i la Piraeus Bank era de 7%, adic\u0103 marja b\u0103ncii era de 4,3%. Dac\u0103 indicele Libor a sc\u0103zut din 2007 cu 3,5 puncte procentuale, dob\u00e2nda ar fi trebuit s\u0103 fie de 3,5%.<\/p>\n
\n\u00cen prezent, \u00een urma modific\u0103rii anun\u0163ate de b\u0103ncile care au anun\u0163at sc\u0103derea dob\u00e2nzii, dob\u00e2nda la Piraeus Bank este \u00eens\u0103 de 5,4%. Evident, b\u0103ncile nu au trimis comunicate \u00een momentul \u00een care au m\u0103rit \u00een 2010 – anul \u00een care au fost obligate s\u0103 treac\u0103 la LIBOR – marja de profit, ajung\u00e2nd p\u00e2n\u0103 la dou\u0103 puncte procentuale \u00een plus fa\u0163\u0103 de nivelul la care s-ar fi aflat dup\u0103 o ajustare natural\u0103 \u00een func\u0163ie de indicele LIBOR.<\/p>\n
\nCurios este dac\u0103 b\u0103ncile vor mai trimite comunicate de pres\u0103 dup\u0103 ce vor trece trei luni, interval \u00een care indicele LIBOR s-ar putea modifica din nou, iar dob\u00e2nda ar putea s\u0103 se modifice odat\u0103 cu acesta, nu neap\u0103rat \u00een favoarea clientului.<\/p>\n","protected":false},"excerpt":{"rendered":"
Piraeus Bank a anun\u0163at \u00een cursul zilei de joi c\u0103 va reduce dob\u00e2nda la creditele \u00een franci elve\u0163ieni cu 0,8 puncte procentuale, prin actualizarea \u00een avans a indicelui LIBOR la 3 luni, \u201cdup\u0103 ce anun\u0163ase c\u0103 ofer\u0103 solu\u0163ii individuale clien\u0163ilor cu astfel de \u00eemprumuturi\u201d, potrivit unui comunicat publicat de Mediafax. \u00cen aceea\u015fi zi, Credit Europe […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510,529],"tags":[7267,7555,4126,485,7458,187,12825,30466,31757,8316,18802],"class_list":["post-117531","post","type-post","status-publish","format-standard","hentry","category-actualitate","category-opinii","tag-banci","tag-campanie","tag-clienti","tag-credite","tag-dobanda","tag-dobanzi","tag-drept","tag-elvetieni","tag-libor","tag-reducere","tag-solutie"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/117531","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=117531"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/117531\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=117531"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=117531"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=117531"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}