{"id":171568,"date":"2019-05-02T13:08:46","date_gmt":"2019-05-02T13:08:46","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=171568"},"modified":"2019-05-02T13:08:46","modified_gmt":"2019-05-02T13:08:46","slug":"cat-vor-fi-ratele-lunare-daca-faceti-un-credit-prima-casa-de-285-000-lei-60-000-euro-la-ircc-noua-dobanda-de-referinta-diferenta-fata-de-ratele-pentru-acelasi-credit-calculat-cu-robor","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=171568","title":{"rendered":"C\u00e2t vor fi ratele lunare dac\u0103 face\u0163i un credit Prima Cas\u0103 de 285.000 lei (60.000 euro) la IRCC, noua dob\u00e2nd\u0103 de referin\u0163\u0103. Diferen\u0163a fa\u0163\u0103 de ratele pentru acela\u015fi credit calculat cu Robor"},"content":{"rendered":"<p>\nNoul indice IRCC, care \u00eenlocuie\u015fte Roborul, este cotat la 2,36% \u00een prima \u015fedin\u0163\u0103 \u00een care e calculat, potrivit datelor BNR. Noul indice este calculat pe baza valorilor din T4 2018.<\/p>\n<p>\n\u00cen cazul unui credit Prima Cas\u0103, dob\u00e2nda variabil\u0103 se calcula dup\u0103 formula 2% + Robor la 3 luni. Pentru un credit acordat pe 30 aprilie (ultima zi \u00een care se lua \u00een calcul Roborul \u00een calculul creditelor noi acordate la dob\u00e2nd\u0103 variabil\u0103), aceast\u0103 dob\u00e2nd\u0103 ar fi \u00eensemnat 2% + 3,37%, adic\u0103 o dob\u00e2nd\u0103 de 5,37%.<\/p>\n<p>\n\u00cen cazul unui credit de 285.000 de lei (echivalentul a 60.000 de euro) pe 30 de ani, rata unui credit contractat cu Robor \u00een calculul dob\u00e2nzii variabile ar fi de aproximativ 1.590 de lei.&nbsp;<\/p>\n<p>\nDe joi, 2 mai, acela\u015fi credit s-ar calcula \u00een baza noului indice IRCC. Asta ar \u00eensemna c\u0103 dob\u00e2nda ar fi 2% + IRCC (2,36%), adic\u0103 4,36%, o diferen\u0163\u0103 semnificativ\u0103. Rata pentru acela\u015fi credit de 285.000 de lei s-ar reduce la 1.420 de lei, o sc\u0103dere de aproximativ 170 de lei lunar.&nbsp;<\/p>\n<p>\n<a href=\"https:\/\/www.zf.ro\/zf-24\/cat-vor-fi-ratele-lunare-daca-faceti-un-credit-prima-casa-de-285-000-lei-60-000-euro-la-ircc-noua-dobanda-de-referinta-diferenta-fata-de-ratele-pentru-acelasi-credit-calculat-cu-robor-18107579\">Cititi mai multe pe www.zf.ro<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Noul indice IRCC, care \u00eenlocuie\u015fte Roborul, este cotat la 2,36% \u00een prima \u015fedin\u0163\u0103 \u00een care e calculat, potrivit datelor BNR. Noul indice este calculat pe baza valorilor din T4 2018. \u00cen cazul unui credit Prima Cas\u0103, dob\u00e2nda variabil\u0103 se calcula dup\u0103 formula 2% + Robor la 3 luni. Pentru un credit acordat pe 30 aprilie [&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":[7736,32785,7458,12242,8443],"class_list":["post-171568","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-credit","tag-diferenta","tag-dobanda","tag-prima-casa","tag-rate"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/171568","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=171568"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/171568\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=171568"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=171568"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=171568"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}