{"id":184303,"date":"2020-06-30T13:48:11","date_gmt":"2020-06-30T13:48:11","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=184303"},"modified":"2020-06-30T13:48:11","modified_gmt":"2020-06-30T13:48:11","slug":"ing-bank-romania-reduce-dobanda-la-creditele-ipotecare-pentru-clientii-care-opteaza-pentru-un-avans-de-minim-25","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=184303","title":{"rendered":"ING Bank Rom\u00e2nia reduce dob\u00e2nda la creditele ipotecare pentru clien\u0163ii care opteaz\u0103 pentru un avans de minim 25%"},"content":{"rendered":"<p style=\"text-align: justify;\">\nING Bank Rom\u00e2nia lanseaz\u0103 o ofert\u0103 la creditele ipotecare pentru clien\u0163ii care opteaz\u0103 pentru un avans de minim 25%, ace\u015ftia beneficiind de un discount de 0,5% la rata dob\u00e2nzii.<\/p>\n<p style=\"text-align: justify;\">\n\u201dContribu\u0163ia clien\u0163ilor la achizi\u0163ia locuin\u0163ei porne\u015fte de la 15%, cu un discount de dob\u00e2nd\u0103 de 0,5% pentru o contribu\u0163ie proprie care dep\u0103\u015fe\u015fte 25%. Oferta de dob\u00e2nd\u0103 fix\u0103, pentru produsul 7FIX, este foarte competitiv\u0103. Astfel, ne dorim s\u0103 oferim clien\u0163ilor predictibilitatea ratei de pl\u0103tit pentru urm\u0103torii \u015fapte ani \u015fi, \u00een acela\u015fi timp, protec\u0163ie \u00een cazul fluctua\u0163iilor indicilor de referin\u0163\u0103 variabili\u201d, a declarat Roxana Cristea, Head of Lending, ING Bank Rom\u00e2nia.<\/p>\n<p style=\"text-align: justify;\">\n\u00cen aceste condi\u0163ii, ace\u015ftia pot economisi aproximativ 200 lei\/lun\u0103, ceea ce semnific\u0103 o reducere de cca. 17% din rata lunar\u0103 achitat\u0103. &nbsp;<\/p>\n<div>\n<span style=\"text-align: justify;\">Clien\u0163ii care nu dispun de un avans de peste 25% pot contracta un credit ipotecar cu avans minim de 15% din valoarea imobilului.<\/span><\/div>\n<p style=\"text-align: justify;\">\n\u00cen plus, banca pune la dispozi\u0163ia persoanelor fizice creditul 7FIX, care ofer\u0103 predictibilitate \u015fi protec\u0163ie timp de \u015fapte ani, rata lunar\u0103 de plat\u0103 fiind fix\u0103. Perioada de analiz\u0103 a solicit\u0103rii de credit este mult sub media altor programe de creditare. \u00cencep\u00e2nd cu al optulea an, dob\u00e2nd\u0103 este variabil\u0103, calculat\u0103 ca suma \u00eentre marja fix\u0103 de 2,56% \u015fi indicele IRCC. Totodat\u0103, dac\u0103 suma \u00eemprumutat\u0103 dep\u0103\u015fe\u015fte pragul de 400.000 de lei, dob\u00e2nda scade de la 5,00%, la 4,70% pentru creditul cu rat\u0103 fix\u0103 (7FIX) \u015fi 4,60% pentru cel cu rat\u0103 variabil\u0103.<\/p>\n<p style=\"text-align: justify;\">\nAstfel, pentru creditul ipotecar cu rata variabil\u0103, dob\u00e2nda este \u00eentre 4,60% \u015fi 5,67%, iar pentru creditul 7FIX este \u00eentre 4,70% si 5,80%, \u00een func\u0163ie de variabilele de avans, perioad\u0103 \u015fi asigurare luate \u00een calcul.<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ING Bank Rom\u00e2nia lanseaz\u0103 o ofert\u0103 la creditele ipotecare pentru clien\u0163ii care opteaz\u0103 pentru un avans de minim 25%, ace\u015ftia beneficiind de un discount de 0,5% la rata dob\u00e2nzii. \u201dContribu\u0163ia clien\u0163ilor la achizi\u0163ia locuin\u0163ei porne\u015fte de la 15%, cu un discount de dob\u00e2nd\u0103 de 0,5% pentru o contribu\u0163ie proprie care dep\u0103\u015fe\u015fte 25%. Oferta de dob\u00e2nd\u0103 [&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":[8444,4126,8210,8754],"class_list":["post-184303","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-avans","tag-clienti","tag-ing","tag-ing-bank"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/184303","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=184303"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/184303\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=184303"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=184303"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=184303"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}