\nPia\u0163a imobiliar\u0103 din Rom\u00e2nia merge \u00eenainte, iar creditele ipotecare standard cu avans de 15% au devenit principalul mod de finan\u0163are a achizi\u0163iei de locuin\u0163e, cu circa 70% din totalul finan\u0163\u0103rilor noi, potrivit datelor BNR Cele mai mari b\u0103nci dup\u0103 active percep dob\u00e2nzi cuprinse \u00eentre 4,8% \u015fi 8,1% la creditele ipotecare standard \u00een lei, \u00eens\u0103 dob\u00e2nzile anuale efective (DAE) sunt mai mari.<\/p>\n
\nDob\u00e2nzile la creditele ipo\u00adte\u00adcare \u00een lei acordate de b\u0103ncile mari pot varia \u00een pia\u0163a ban\u00adcar\u0103 din Rom\u00e2nia \u015fi pornesc de la 4,81%, \u00eens\u0103 la acestea se adaug\u0103 \u015fi comisioanele \u015fi alte costuri supli\u00admentare ale b\u0103ncilor p\u00e2n\u0103 se ajunge la do\u00adb\u00e2nda anual\u0103 efectiv\u0103 (DAE) din contracte, potrivit unei analize realizate de ZF \u00een baza datelor pe luna octombrie publicate pe platforma Finzoom. Analiza ia \u00een calcul un credit standard de circa 220.000 de lei, cu dob\u00e2nd\u0103 variabil\u0103, f\u0103r\u0103 a se \u0163ine cont de reducerile de dob\u00e2nd\u0103 care apar odat\u0103 cu \u00eencadrarea \u00een anumite condi\u0163ii, precum \u00eencasarea venitului la banca respectiv\u0103.<\/p>\n
\nBanca Transilvania, cea mai mare banc\u0103 \u00een topul din Rom\u00e2nia dup\u0103 active, practic\u0103 o dob\u00e2nd\u0103 de 5,91% la creditele ipotecare standard cu dob\u00e2nd\u0103 variabil\u0103, dob\u00e2nd\u0103 format\u0103 dintr-o marj\u0103 fix\u0103 a b\u0103ncii de 3,25% \u0102 indicele de referin\u0163\u0103 IRCC, care este 2,66% pentru luna octombrie.<\/p>\n
\nNivelul dob\u00e2nzii reper IRCC – indice introdus pe pia\u0163a rom\u00e2neasc\u0103 din luna mai 2019 – se modific\u0103 trimestrial la datele de 1 ianuarie, 1 aprilie, 1 iulie \u015fi 1 octombrie ale anului sau \u00een prima zi lucr\u0103toare imediat ur\u00adm\u0103toare zilei de \u00eent\u00e2i a trimestrului, dac\u0103 data de \u00eent\u00e2i a trimestrului este zi nelu\u00adcr\u0103\u00adtoare.<\/p>\n
\nBCR, a doua banc\u0103 de pe pia\u0163a local\u0103, practic\u0103 o dob\u00e2nd\u0103 variabil\u0103 de 5,96%, adic\u0103 IRCC \u0102 3,3% la creditul standard Casa Mea. \u00cen acela\u015fi timp, dob\u00e2nda perceput\u0103 la ipo\u00adte\u00adcare de BRD-SocGen ajunge la 6,43%, for\u00admat\u0103 din IRCC \u0102 o marj\u0103 fix\u0103 a b\u0103ncii de 3,77%.<\/p>\n
\nSubsidiara local\u0103 a italienilor de la UniCredit practic\u0103 o dob\u00e2nd\u0103 de 8,1%, cea mai mare din top zece b\u0103nci mari din pia\u0163\u0103, potrivit datelor publicate pe platforma Finzoom, dob\u00e2nd\u0103 format\u0103 din IRCC \u015fi o marj\u0103 fix\u0103 a b\u0103ncii de 5,44%.<\/p>\n
\n\u00cen cazul Raiffeisen Bank, produsul standard Casa Ta are un etalon diferit la ce\u00adrin\u0163ele ce \u0163in de avansul minim, \u00een cazul cre\u00addit\u0103rii din Capital\u0103 versus alte localit\u0103\u0163i, pro\u00addusul fiind semnalat diferit. Astfel, Raif\u00adfei\u00adsen percepe o dob\u00e2nd\u0103 de 5,66%, unde se adaug\u0103 o marj\u0103 de 3% la IRCC de 2,66%, \u00eens\u0103 \u00een cazul alegerii produsului pentru alte localit\u0103\u0163i, cerin\u0163a de avans minim se majoreaz\u0103 de la 15% din valoarea imobilului, la 35%.<\/p>\n
\nSucursala local\u0103 a olandezilor de la ING practic\u0103 o dob\u00e2nd\u0103 de 6,01% \u00een cazul exem\u00adplului ales de credit, de 220.000 de lei, for\u00admat\u0103 din IRCC \u0102 3,35% \u00een produsul credit ipotecar Avantaj Plus f\u0103r\u0103 Asigurare de Via\u0163\u0103 inclus\u0103. Totu\u015fi, \u00een cazul \u00een care valoarea creditului este de peste 400.000 de lei, marja b\u0103ncii scade la 3,05%, iar dob\u00e2nda total\u0103 scade la 5,71%.<\/p>\n
\n\u015ei \u00een cazul CEC Bank, singura banc\u0103 a sta\u00adtului rom\u00e2n din top 10, creditul ipotecar stan\u00addard este \u00een dou\u0103 variante, astfel \u00eenc\u00e2t banca listeaz\u0103 creditul ipotecar standard cu o dob\u00e2nd\u0103 de 4,81%, adic\u0103 IRCC \u0102 2,15% – ceea ce ar \u00eensemna cea mai mic\u0103 dob\u00e2nd\u0103 prac\u00adticat\u0103 de b\u0103ncile din top. Cealalt\u0103 va\u00adriant\u0103 \u00een cazul CEC Bank este pentru pro\u00addu\u00adsul credit imobiliar \u00een lei, unde marja fix\u0103 a b\u0103n\u00adcii cre\u015fte la 2,9%, iar dob\u00e2nda ajunge 5,56%.<\/p>\n
\nSubsidiara local\u0103 a grupului elen Alpha Bank practic\u0103 o marj\u0103 fix\u0103 de 3,45% pentru creditele ipotecare standard \u00een lei, ceea ce \u00eenseamn\u0103 o dob\u00e2nd\u0103 de 6,11% dup\u0103 ad\u0103u\u00adgarea indicelui IRCC.<\/p>\n
\nUngurii de la OTP Bank ofer\u0103 pe pia\u0163a local\u0103 credite ipotecare la o dob\u00e2nd\u0103 de 5,48%, unde marja fix\u0103 a b\u0103ncii este de 2,82%. \u00cen acela\u015fi timp, Garanti Bank Ro\u00adm\u00e2nia practic\u0103 dob\u00e2nzi de 6,68%, din care marja b\u0103ncii este de 4,02%.<\/p>\n","protected":false},"excerpt":{"rendered":"
Pia\u0163a imobiliar\u0103 din Rom\u00e2nia merge \u00eenainte, iar creditele ipotecare standard cu avans de 15% au devenit principalul mod de finan\u0163are a achizi\u0163iei de locuin\u0163e, cu circa 70% din totalul finan\u0163\u0103rilor noi, potrivit datelor BNR Cele mai mari b\u0103nci dup\u0103 active percep dob\u00e2nzi cuprinse \u00eentre 4,8% \u015fi 8,1% la creditele ipotecare standard \u00een lei, \u00eens\u0103 dob\u00e2nzile […]<\/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":[7267,8356,187,19557],"class_list":["post-176498","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-credite-ipotecare","tag-dobanzi","tag-practica"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/176498","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=176498"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/176498\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=176498"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=176498"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=176498"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}