{"id":178275,"date":"2019-12-12T11:28:56","date_gmt":"2019-12-12T11:28:56","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=178275"},"modified":"2019-12-12T11:28:56","modified_gmt":"2019-12-12T11:28:56","slug":"surpriza-ing-bank-iese-pe-piata-cu-o-oferta-de-creditare-cu-dobanda-fixa-in-primii-sapte-ani","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=178275","title":{"rendered":"Surpriz\u0103: ING Bank iese pe pia\u0163\u0103 cu o ofert\u0103 de creditare cu dob\u00e2nd\u0103 fix\u0103 \u00een primii \u015fapte ani"},"content":{"rendered":"<p style=\"text-align: justify;\">\nING Bank lanseaz\u0103 \u00een decembrie un credit ipotecar cu dob\u00e2nd\u0103 fix\u0103 \u00een primii \u015fapte ani, cuprins\u0103 \u00eentre 5,49% \u015fi 6,09%, \u00een func\u0163ie de suma finan\u0163at\u0103 \u015fi de achizi\u0163ionarea asigur\u0103rii de via\u0163\u0103.<\/p>\n<p style=\"text-align: justify;\">\nUlterior acestei perioade, dob\u00e2nda este variabil\u0103, format\u0103 din indicele de referin\u0163\u0103 IRCC \u015fi o marj\u0103 fix\u0103.&nbsp;<\/p>\n<p style=\"text-align: justify;\">\nAprobarea financiar\u0103 pentru ING 7Fix se ob\u0163ine pe loc, cursul de schimb valutar este preferen\u0163ial, iar dob\u00e2nda este redus\u0103 \u00een cazul \u00een care clientul opteaz\u0103 \u015fi pentru asigurare de via\u0163\u0103.<\/p>\n<p style=\"text-align: justify;\">\n&nbsp;\u201ePrin creditul ipotecar ING 7Fix oferim clien\u0163ilor timp de \u015fapte ani predictibilitatea sumelor lunare de pl\u0103tit, rata&nbsp;fiind fix\u0103. Dob\u00e2nda anual\u0103 \u00een primii \u015fapte ani este cuprins\u0103 \u00eentre 5,49% \u015fi 6,09%, \u00een func\u0163ie de suma finan\u0163at\u0103 \u015fi de achizi\u0163ionarea asigur\u0103rii de via\u0163\u0103. Deja unul din patru clien\u0163i din Rom\u00e2nia aleg s\u0103 se protejeze de fluctua\u0163iile dob\u00e2nzilor, opt\u00e2nd pentru produse de creditare cu rat\u0103 fix\u0103 pe o perioada c\u00e2t mai lung\u0103 de timp.&nbsp;Dob\u00e2nda noului credit ipotecar \u00een primii \u015fapte ani este apropiat\u0103 de cea a produselor similare din pia\u0163\u0103 cu rat\u0103 fix\u0103 pe cinci ani, oferind doi ani \u00een plus de protec\u0163ie \u00eempotriva neprev\u0103zutului\u201d, a declarat Roxana Cristea, Head of Lending, ING Bank.&nbsp;<\/p>\n<p style=\"text-align: justify;\">\n\u00cen ceea ce prive\u015fte&nbsp;profilul clientului ING care are un credit ipotecar, 30% au v\u00e2rsta sub 31 de ani, doi din cinci c\u00e2\u015ftig\u0103 peste 3.500 de lei pe lun\u0103, iar 71% dintre clien\u0163i sunt absolven\u0163i de facultate. O treime din ei locuiesc cu p\u0103rin\u0163ii \u015fi 17% pl\u0103tesc chirie.&nbsp;82% din creditele ipotecare acordate de banc\u0103 sunt utilizate pentru achizi\u0163ia unui&nbsp;apartament.&nbsp;<\/p>\n<p style=\"text-align: justify;\">\nVolumul creditelor oferite de iNG a crescut p\u00e2n\u0103 la finele lunii septembrie cu 9% fa\u0163\u0103 de aceeasi perioad\u0103 a anului trecut, la 26,9 miliarde lei, \u00een timp ce cota de pia\u0163\u0103 a b\u0103ncii a ajuns la 10%. Portofoliul este preponderent generat de segmentul Retail, cu 61% dintre credite oferite clien\u0163ilor persoane fizice. &nbsp;Rata creditelor neperformante a cobor\u00e2t la 3,4% din totalul volumelor de credite acordate.<\/p>\n<p style=\"text-align: justify;\">\nCalcul DAE ING Ipotecare 7Fix &nbsp;pentru achizi\u0163ia unui apartament \u00een valoare de 200.000 lei, credit pe 30 de ani, cu asigurare de via\u0163\u0103 ata\u015fat\u0103,:<\/p>\n<ul>\n<li style=\"text-align: justify;\">\nRata dob\u00e2nzii fix\u0103 \u00een primii 7 ani (5,79% pe an), apoi variabil\u0103 (3,13% + IRCC) &#8211; DAE 6,93%.<\/li>\n<li>\nRata lunar\u0103 : 1.172,23 lei (360 rate).<\/li>\n<li>\nValoarea total\u0103 pl\u0103tibil\u0103 : 447.324,14 lei&nbsp; include: comision analiz\u0103 dosar (900 lei), primele pentru asigurarea de via\u0163\u0103 (13.554,12 lei) \u015fi de imobil PAD \u015fi facultativ\u0103 (9.938,82 lei) \u015fi&nbsp;taxa evaluare imobil (400 lei), comision transfer fonduri (21 lei), taxe percepute de RNPM (131,4 lei) \u015fi Cartea Funciar\u0103 (375 lei).<\/li>\n<\/ul>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ING Bank lanseaz\u0103 \u00een decembrie un credit ipotecar cu dob\u00e2nd\u0103 fix\u0103 \u00een primii \u015fapte ani, cuprins\u0103 \u00eentre 5,49% \u015fi 6,09%, \u00een func\u0163ie de suma finan\u0163at\u0103 \u015fi de achizi\u0163ionarea asigur\u0103rii de via\u0163\u0103.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[511],"tags":[170,7467,7458,8210],"class_list":["post-178275","post","type-post","status-publish","format-standard","hentry","category-afaceri","tag-achizitie","tag-asigurare","tag-dobanda","tag-ing"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/178275","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=178275"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/178275\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=178275"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=178275"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=178275"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}