{"id":191369,"date":"2021-02-26T12:28:15","date_gmt":"2021-02-26T12:28:15","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=191369"},"modified":"2021-02-26T12:28:15","modified_gmt":"2021-02-26T12:28:15","slug":"romanii-cu-credite-primesc-azi-o-veste-dezastruoasa-anuntul-facut-de-bnr-pe-care-multi-sperau-sa-nu-l-auda-2","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=191369","title":{"rendered":"Rom\u00e2nii cu credite primesc azi o veste dezastruoas\u0103. Anun\u0163ul f\u0103cut de BNR pe care mul\u0163i sperau s\u0103 nu-l aud\u0103"},"content":{"rendered":"<p>\nIndicele ROBOR la 3 luni, folosit pentru calcularea dob\u00e2nzilor variabile la creditele \u00een lei contractate \u00eenainte de luna mai 2019, a crescut vineri la 1,59% fa\u0163\u0103 de nivelul de 1,55%, afi\u015fat constant \u00een ultimele \u015fase zile.<\/p>\n<p>\nSc\u0103derea \u00eenregistrat\u0103 de ROBOR de la \u00eenceputul acestui an a fost influen\u0163at\u0103 de deciziile recente ale BNR de ajustare a dob\u00e2nzii-cheie \u015fi a ratelor facilit\u0103\u0163ilor permanente din jurul acesteia.<\/p>\n<p>\nMai exact, vineri, 15 ianuarie, consiliul de administra\u0163ie al BNR a decis, surprin\u00adz\u0103\u00adtor, s\u0103 relaxeze politica mo\u00adnetar\u0103 prin reducerea dob\u00e2nzii-cheie la minimul istoric de 1,25%, dup\u0103 ce \u00een 2020 a operat trei ajust\u0103ri ale dob\u00e2nzii, de la 2,5% la 1,5% pe an.<\/p>\n<p>\nPractic, de la \u00eenceputul pandemiei \u00een 2020, BNR a \u00een\u00adju\u00adm\u0103t\u0103\u0163it dob\u00e2nda de politic\u0103 monetar\u0103, dup\u0103 patru ajust\u0103ri.<\/p>\n<p>\n<span>Indicele ROBOR la 3 luni a \u00eencheiat anul 2020 la 2,03% pe an, \u00een timp ce la \u00eenceputul anului 2020 era de 3,19% pe an.<o:p><\/o:p><\/span><\/p>\n<p>\n<span>\u00cen prima zi din acest an, indicele ROBOR la 3 luni afi\u015fa o cota\u0163ie de 2,01%, dup\u0103 care a \u00eenceput s\u0103 scad\u0103 sub 2%.<o:p><\/o:p><\/span><\/p>\n<p>\n<span>ROBOR la 3 luni reprezint\u0103 dob\u00e2nda la care b\u0103ncile \u00ee\u015fi acord\u0103 \u00eemprumuturi cu o maturitate la trei luni.<o:p><\/o:p><\/span><\/p>\n<p>\n<span>Totodat\u0103, ROBOR este indicatorul monetar \u00een func\u0163ie de care se calculeaz\u0103 dob\u00e2nzile variabile pentru creditele de consum \u015fi ipotecare acordate \u00een lei \u00eenainte de luna mai 2019.<\/span><\/p>\n<p>\n<span><o:p><\/o:p><\/span><span background-color:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\">Pentru creditele retail noi \u00een lei din prim\u0103vara anului 2019 a fost introdus\u0103 o nou\u0103 referin\u0163\u0103 &#8211; indicele de referin\u0163\u0103 trimestrial pentru creditele acordate consumatorilor &#8211; IRCC &#8211; care a \u00eenlocuit ROBOR.<\/span><\/p>\n<p 0px=\"\" background-color:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" line-height:=\"\" margin:=\"\" padding:=\"\">\nValoarea IRCC aplicabil\u0103 \u00een T1\/2021 este de 1,88%.&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Indicele ROBOR la 3 luni, folosit pentru calcularea dob\u00e2nzilor variabile la creditele \u00een lei contractate \u00eenainte de luna mai 2019, a crescut vineri la 1,59% fa\u0163\u0103 de nivelul de 1,55%, afi\u015fat constant \u00een ultimele \u015fase zile. Sc\u0103derea \u00eenregistrat\u0103 de ROBOR de la \u00eenceputul acestui an a fost influen\u0163at\u0103 de deciziile recente ale BNR de ajustare [&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":[185,342,485,7458,16852,8790,8316,173],"class_list":["post-191369","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bnr","tag-continuare","tag-credite","tag-dobanda","tag-implicare","tag-politica-monetara","tag-reducere","tag-romani"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/191369","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=191369"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/191369\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=191369"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=191369"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=191369"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}