{"id":198083,"date":"2021-10-18T14:12:15","date_gmt":"2021-10-18T14:12:15","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=198083"},"modified":"2021-10-18T14:12:15","modified_gmt":"2021-10-18T14:12:15","slug":"cec-bank-lanseaza-un-credit-ipotecar-cu-dobanda-fixa-in-primii-5-ani-de-45-pentru-clientii-care-isi-incaseaza-veniturile-prin-banca-din-al-saselea-an-dobanda-este-ircc-25-pe-an","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=198083","title":{"rendered":"CEC Bank lanseaz\u0103 un credit ipotecar cu dob\u00e2nd\u0103 fix\u0103 \u00een primii 5 ani, de 4,5% pentru clien\u0163ii care \u00ee\u015fi \u00eencaseaz\u0103 veniturile prin banc\u0103; din al \u015faselea an, dob\u00e2nda este IRCC+ 2,5% pe an"},"content":{"rendered":"<p>\nCEC Bank lanseaz\u0103 un credit ipotecar cu dob\u00e2nd\u0103 fix\u0103 \u00een primii 5 ani, de 4,7% pe an pentru clien\u0163ii care nu au salariile \u00een contul b\u0103ncii \u015fi de 4,5% pentru cei \u00ee\u015fi \u00eencaseaz\u0103 veniturile prin banc\u0103.<\/p>\n<p>\n\u00cen plus, \u00een perioada octombrie 2021-aprilie 2022, CEC Bank deruleaz\u0103 o promo\u0163ie prin care creditele ipotecare cu dob\u00e2nd\u0103 fix\u0103 au comision zero de administrare pe toat\u0103 durata creditului, ceea ce echivaleaz\u0103 cu o reducere de 0,48 puncte procentuale a costurilor totale anuale.<\/p>\n<p>\n\u201dAm lansat creditele ipotecare cu dob\u00e2nd\u0103 fix\u0103 pentru a oferi clien\u0163ilor o solu\u0163ie prin care se pot proteja fa\u0163\u0103 de varia\u0163iile pe termen mediu ale ratelor \u015fi dob\u00e2nzii, \u00een contextul \u00een care, \u00een prezent, dob\u00e2nzile sunt aproape de minimele istorice \u015fi exist\u0103 semnale pe pia\u0163\u0103 privind inversarea trendului \u00een viitorul apropiat. Av\u00e2nd deja \u00een ofert\u0103 credite cu dob\u00e2nd\u0103 fix\u0103 pentru nevoi personale, \u00een ultimii ani am v\u0103zut cre\u015fterea apetitului clien\u0163ilor pentru astfel de finan\u0163\u0103ri. Clien\u0163ii vor avea \u00een continuare posibilitatea de a alege \u00eentre credite cu dob\u00e2nd\u0103 fix\u0103 \u015fi cele cu dob\u00e2nd\u0103 variabil\u0103\u201d, a declarat Adina C\u0103lin, Director Produse \u015fi Servicii \u00een cadrul CEC Bank.<\/p>\n<p>\nPentru <a https:=\"\" www.cec.ro=\"\">creditele ipotecare cu dob\u00e2nd\u0103 fix\u0103<\/a> contractate p\u00e2n\u0103 \u00een aprilie 2022, dob\u00e2nda \u015fi comisionul de analiz\u0103 (de 500 de lei) sunt singurele costuri. Nu se percepe comision de administrare lunar pe toat\u0103 durata derul\u0103rii creditului.<\/p>\n<p>\nDin cel de-al \u015faselea an, dup\u0103 expirarea perioadei \u00een care se percepe dob\u00e2nd\u0103 fix\u0103, se aplic\u0103 dob\u00e2nd\u0103 variabil\u0103, cu o marj\u0103 printre cele mai reduse de pe pia\u0163\u0103: IRCC+ 2,3% pe an &#8211; \u00een cazul clien\u0163ilor care \u00ee\u015fi \u00eencaseaz\u0103 salariile prin banc\u0103, respectiv IRCC+ 2,5% pe an &#8211; f\u0103r\u0103 \u00eencasare venituri.<\/p>\n<p>\nDe exemplu, \u00een cazul unui credit de 250. 000 de lei, pe 25 de ani, rata lunar\u0103 va fi de 1.418 lei, iar suma total\u0103 de rambursat de 393.954 lei. Calculul a fost f\u0103cut cu o dob\u00e2nd\u0103 fix\u0103 \u00een primii 5 ani de 4,7% \u015fi variabil\u0103 \u00een urm\u0103torii 20 de ani (IRCC+2,5%), DAE fiind de 4,13%.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>CEC Bank lanseaz\u0103 un credit ipotecar cu dob\u00e2nd\u0103 fix\u0103 \u00een primii 5 ani, de 4,7% pe an pentru clien\u0163ii care nu au salariile \u00een contul b\u0103ncii \u015fi de 4,5% pentru cei \u00ee\u015fi \u00eencaseaz\u0103 veniturile prin banc\u0103. \u00cen plus, \u00een perioada octombrie 2021-aprilie 2022, CEC Bank deruleaz\u0103 o promo\u0163ie prin care creditele ipotecare cu dob\u00e2nd\u0103 fix\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":[236,4126,7458],"class_list":["post-198083","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banca","tag-clienti","tag-dobanda"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/198083","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=198083"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/198083\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=198083"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=198083"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=198083"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}