{"id":171504,"date":"2019-04-30T11:19:36","date_gmt":"2019-04-30T11:19:36","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=171504"},"modified":"2019-04-30T11:19:36","modified_gmt":"2019-04-30T11:19:36","slug":"cristian-hostiuc-zf-noua-intrebare-problema-pentru-milioane-de-romani-cu-credite-la-banca-vor-merge-inainte-cu-robor-ul-sau-vor-trece-la-ircc-noua-dobanda-de-referinta-la-imprumuturi","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=171504","title":{"rendered":"Cristian Hostiuc, ZF: Noua \u00eentrebare\/problem\u0103 pentru milioane de rom\u00e2ni cu credite la banc\u0103: vor merge \u00eenainte cu ROBOR-ul sau vor trece la IRCC, noua dob\u00e2nd\u0103 de referin\u0163\u0103 la \u00eemprumuturi?"},"content":{"rendered":"<p>\nS\u0103pt\u00e2m\u00e2na trecut\u0103 m-am trezit cu o \u00eentrebare: Iau un credit ipotecar \u015fi cei de la banc\u0103 m\u0103 \u00eentreab\u0103 dac\u0103 merg cu ROBOR sau a\u015ftept s\u0103 apar\u0103 noua dob\u00e2nd\u0103. Ce-i cu aceast\u0103 nou\u0103 dob\u00e2nd\u0103, c\u0103 nu \u00een\u0163eleg nimic? \u015ei cum e mai bine, care dob\u00e2nd\u0103 este mai mic\u0103?<\/p>\n<p>\nJoi, 2 mai, BNR va \u00eencepe s\u0103 publice zilnic \u015fi trimestrial noul indice de referin\u0163\u0103 de dob\u00e2nd\u0103 pentru creditele acordate consumatorilor \u2013 IRCC \u2013 calculat pe baza tranzac\u0163iilor realizate de b\u0103nci \u00eentre ele pe pia\u0163a interbancar\u0103, conform OUG 19\/2019.<\/p>\n<p>\nJoi, 2 mai, momentul adev\u0103rului: BNR va anun\u0163a indicele de referin\u0163\u0103 de dob\u00e2nd\u0103 trimestrial pentru creditele acordate consumatorilor, care va \u00eenlocui Roborul. Atunci se va vedea care este diferen\u0163a dintre cota\u0163iile de dob\u00e2nd\u0103 afi\u015fate de b\u0103nci \u015fi tranzac\u0163iile efective<\/p>\n<p>\nAcest IRCC va \u00eenlocui ROBOR-ul, celebrul indice de referin\u0163\u0103 pentru credite, pentru noile \u00eemprumuturi acordate persoanelor fizice.<\/p>\n<p>\nLa un credit de retail, dob\u00e2nda se calculeaz\u0103 pornind de la un indice de referin\u0163\u0103, ROBOR p\u00e2n\u0103 acum, la care se adaug\u0103 marja b\u0103ncii.<\/p>\n<p>\nAcest sistem este valabil pentru creditele cu dob\u00e2nd\u0103 variabil\u0103. Dob\u00e2nda pe care o pl\u0103te\u015fte cineva depinde astfel de varia\u0163ia ROBOR, pentru c\u0103 marja b\u0103ncii este fix\u0103 pe toat\u0103 durata creditului. La creditele care din start au dob\u00e2nd\u0103 fix\u0103, \u015ftii \u00eenc\u0103 de la \u00eenceput c\u00e2t ai de plat\u0103.<\/p>\n<p>\n<a href=\"https:\/\/www.zf.ro\/opinii\/cristian-hostiuc-zf-intrebare-problema-milioane-romani-credite-banca-vor-merge-inainte-robor-ul-vor-trece-ircc-dobanda-referinta-imprumuturi-e-bine-dobanda-mica-18105192\">Cititi mai multe pe www.zf.ro<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>S\u0103pt\u00e2m\u00e2na trecut\u0103 m-am trezit cu o \u00eentrebare: Iau un credit ipotecar \u015fi cei de la banc\u0103 m\u0103 \u00eentreab\u0103 dac\u0103 merg cu ROBOR sau a\u015ftept s\u0103 apar\u0103 noua dob\u00e2nd\u0103. Ce-i cu aceast\u0103 nou\u0103 dob\u00e2nd\u0103, c\u0103 nu \u00een\u0163eleg nimic? \u015ei cum e mai bine, care dob\u00e2nd\u0103 este mai mic\u0103? Joi, 2 mai, BNR va \u00eencepe s\u0103 publice [&hellip;]<\/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":[236,485,178,7458,183],"class_list":["post-171504","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banca","tag-credite","tag-cristian-hostiuc","tag-dobanda","tag-imprumut"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/171504","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=171504"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/171504\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=171504"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=171504"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=171504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}