\nIndicele ROBOR la 3 luni, \u00een func\u0163ie de care se calculeaz\u0103 dob\u00e2nzile variabile pentru creditele \u00een lei, a sc\u0103zut miercuri, 07 iulie 2021, la 1,49% dup\u0103 doar dou\u0103 \u015fase de stagnare la pragul de 1,53%.<\/p>\n
\nLa \u00eenceputul acestei luni, indicele ROBOR la 3 luni era cotat la 1,50% \u015fi a \u00eenregistrat un trend constant de stagnare p\u00e2n\u0103 ast\u0103zi, 07 iulie 2021, c\u00e2nd a sc\u0103zut la 1,49%.<\/p>\n
\nSc\u0103derea \u00eenregistrat\u0103 de ROBOR de la \u00eenceputul acestui an a fost influen\u0163at\u0103 de deciziile recente ale BNR privind indicele IRCC care a sc\u0103zut \u015fi egalat dob\u00e2nda de politic\u0103 monetar\u0103 stabilit\u0103 de BNR.<\/p>\n
\nIndicele IRCC, indicele de referin\u0163\u0103 trimestrial pentru creditele consumatorilor, fo\u00adlosit pentru calcularea dob\u00e2nzilor la creditele noi acor\u00addate \u00eencep\u00e2nd din prim\u0103vara anului 2019, a sc\u0103zut aproape la ju\u00adm\u0103tate fa\u0163\u0103 de prima valoare cal\u00adculat\u0103, cobor\u00e2nd la 1,25% \u015fi egal\u00e2nd dob\u00e2nda de politic\u0103 monetar\u0103 stabilit\u0103 de BNR.<\/p>\n
\nAstfel, indicele care va fi folosit \u00een procesul de creditare \u00een T3\/2021 (iulie, august \u015fi septembrie) a fost calculat la 1,25% pe baza datelor din T1\/2021.<\/p>\n
\nValoarea anterioar\u0103 a IRCC, care a fost folosit\u0103 pentru creditele noi din T2\/2021 a fost de 1,67%. Iar IRCC folosit pentru calcularea dob\u00e2nzilor la creditele noi din T1\/2021, a fost de 1,88%, fiind calculat cu un decalaj, pe baza datelor din T3\/2020, valorile IRCC fiind atunci peste ROBOR la 3 luni.<\/p>\n
\nPentru creditele retail noi \u00een lei din prim\u0103vara anului 2019 a fost introdus\u0103 o nou\u0103 referin\u0163\u0103 – indicele de referin\u0163\u0103 trimestrial pentru creditele acordate consumatorilor – IRCC – care a \u00eenlocuit ROBOR.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Indicele ROBOR la 3 luni, \u00een func\u0163ie de care se calculeaz\u0103 dob\u00e2nzile variabile pentru creditele \u00een lei, a sc\u0103zut miercuri, 07 iulie 2021, la 1,49% dup\u0103 doar dou\u0103 \u015fase de stagnare la pragul de 1,53%. La \u00eenceputul acestei luni, indicele ROBOR la 3 luni era cotat la 1,50% \u015fi a \u00eenregistrat un trend constant de […]<\/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":[342,485,32766,8316,4905],"class_list":["post-195504","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-continuare","tag-credite","tag-folosire","tag-reducere","tag-toamna"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/195504","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=195504"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/195504\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=195504"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=195504"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=195504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}