{"id":171769,"date":"2019-05-08T10:57:01","date_gmt":"2019-05-08T10:57:01","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=171769"},"modified":"2019-05-08T10:57:01","modified_gmt":"2019-05-08T10:57:01","slug":"bancile-marii-castigatori-ai-noii-dobanzi-de-referinta-pentru-creditele-de-retail-pe-ircc-cu-acelasi-venit-un-client-poate-lua-un-credit-mai-mare-primul-impact-al-ircc-este-cresterea-cre","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=171769","title":{"rendered":"B\u0103ncile, marii c\u00e2\u015ftig\u0103tori ai noii dob\u00e2nzi de referin\u0163\u0103 pentru creditele de retail: pe IRCC, cu acela\u015fi venit, un client poate lua un credit mai mare. \u201cPrimul impact al IRCC este cre\u015fterea creditului maxim ce poate fi accesat.\u201d"},"content":{"rendered":"

\nDe exemplu, pentru un client cu un venit lunar de 3.700 de lei suma maxim\u0103 care poate fi \u00eemprumutat\u0103 cre\u015fte cu p\u00e2n\u0103 la 36.000 de lei, echivalentul a 7.500 de euro. Calculul s-a bazat pe o reducere de un punct procen\u00adtual a ratei de dob\u00e2nd\u0103 generat\u0103 de trecerea la IRCC \u015fi un grad maxim de \u00eendatorare de 40%, conform regulilor BNR.<\/p>\n

\nCu vechea formul\u0103 de calcul al dob\u00e2nzii care ia \u00een calcul ROBOR, suma maxim\u0103 pe care clientul din exemplul de mai sus ar fi putut s\u0103 o \u00eemprumute se situa la 250.000 de lei, adic\u0103 circa 52.000 de euro, \u00een con\u00addi\u00ad\u0163iile unei rate anuale a dob\u00e2nzii de 5,8%.<\/div>\n
\n <\/div>\n
\n\u00cenlocuirea ROBOR cu IRCC presupune sc\u0103derea cu un punct procentual a ratei de do\u00ad\u00adb\u00e2nd\u0103, de la 5,8% la 4,8%, fapt care permite clientului ca valoarea ma\u00adxim\u0103 \u00eem\u00adprumutat\u0103 s\u0103 ajung\u0103 la 286.000 de lei, echi\u00adva\u00adlentul a 60.000 de euro, \u00een acelea\u015fi condi\u0163ii de venit.<\/div>\n
\n <\/div>\n
\nCititi mai multe pe www.zf.ro<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

Noua referin\u0163\u0103 la creditele \u00een lei cu dob\u00e2nd\u0103 variabil\u0103 – IRCC – ofer\u0103 spa\u0163iu clien\u0163ilor s\u0103 acceseze cu acela\u015fi venit credite mai mari dec\u00e2t \u00een formula ROBOR, ceea ce ar putea duce la o cre\u015ftere a credit\u0103rii \u00een urm\u0103toarea perioad\u0103.<\/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":[4126,7736,485,246],"class_list":["post-171769","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-clienti","tag-credit","tag-credite","tag-crestere"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/171769","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=171769"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/171769\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=171769"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=171769"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=171769"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}