\nBNR anun\u0163\u0103 c\u0103 \u00eencep\u00e2nd cu ianuarie 2022, contractele de credit \u00een franci elve\u0163ieni cu dob\u00e2nzi variabile vor avea rata de referin\u0163\u0103 modificat\u0103 \u00een urma unui regulament adoptat la nivel european, f\u0103r\u0103 a fi necesar\u0103 renegocierea contractelor.<\/p>\n
\n\u201cPe 22 octombrie, a fost publicat \u00een Jurnalul Oficial al Uniunii Europene, Regulamentul de punere \u00een aplicare (UE) 2021\/1847 al Comisiei privind desemnarea unei \u00eenlocuiri statutare pentru anumite maturit\u0103\u0163i ale LIBOR CHF, \u00eentruc\u00e2t acestea din urm\u0103 nu vor mai fi calculate \u015fi publicate. Prin acest act de punere \u00een aplicare, Comisia European\u0103 a stabilit care sunt ratele de \u00eenlocuire pentru LIBOR CHF cu scaden\u0163a la 1 lun\u0103, 3 luni, 6 luni \u015fi 12 luni, \u00een cazul oric\u0103rui contract \u015fi al oric\u0103rui instrument financiar definit \u00een Directiva 2014\/65\/UE\u201d, transmit reprezentan\u0163ii BNR.<\/p>\n
\nAstfel, \u00eencep\u00e2nd cu ianuarie 2022, referin\u0163ele la ratele LIBOR CHF cu maturit\u0103\u0163i la 1 lun\u0103, 3 luni, 6 luni \u015fi 12 luni, con\u0163inute \u00een contractele \u015fi toate instrumentele financiare cu scaden\u0163e dup\u0103 1 ianuarie 2022, care se raporteaz\u0103 la LIBOR CHF, \u00eencheiate de c\u0103tre institu\u0163iile de credit din Rom\u00e2nia cu to\u0163i clien\u0163ii acestora, vor fi \u00eenlocuite de drept, automat, cu ratele combinate SARON \u015fi ajust\u0103rile de marj\u0103 corespunz\u0103toare, prev\u0103zute \u00een regulamentul de punere \u00een aplicare al Comisiei, f\u0103r\u0103 a fi necesar\u0103 renegocierea contractelor.<\/p>\n
\nMul\u0163i rom\u00e2ni s-au \u00eendreptat c\u0103tre creditele \u00een franci elve\u0163ieni \u00eenainte de criza economic\u0103 din 2008 pentru c\u0103 dob\u00e2nzile erau mai mici comparativ cu \u00eemprumuturile \u00een lei sau euro. Creditele \u00een franci erau promovate atunci de unii bancheri ca fiind singura posibilitate de a contracta un credit de valoare mare, care s\u0103 permit\u0103 achizi\u0163ia unei locuin\u0163e mai spa\u0163ioase.<\/p>\n
\nDac\u0103 \u00een 2008 cursul ajungea la 2,2 lei pentru un franc, \u00een anii de criz\u0103 moneda elve\u0163ian\u0103 s-a apreciat cu mai mult de 60% fa\u0163\u0103 de leu \u015fi a atins 3,6 lei. Iar dup\u0103 eliminarea plafonului impus de Banca Elve\u0163iei, \u00een ianuarie 2015, francul a f\u0103cut un salt spectaculos de circa 25% \u00eentr-o singur\u0103 s\u0103pt\u0103m\u00e2n\u0103, iar v\u00e2rful atins a fost de aproape 4,6 lei\/franc elve\u0163ian \u00een a doua jum\u0103tate a lunii ianuarie.<\/p>\n","protected":false},"excerpt":{"rendered":"
BNR anun\u0163\u0103 c\u0103 \u00eencep\u00e2nd cu ianuarie 2022, contractele de credit \u00een franci elve\u0163ieni cu dob\u00e2nzi variabile vor avea rata de referin\u0163\u0103 modificat\u0103 \u00een urma unui regulament adoptat la nivel european, f\u0103r\u0103 a fi necesar\u0103 renegocierea contractelor. \u201cPe 22 octombrie, a fost publicat \u00een Jurnalul Oficial al Uniunii Europene, Regulamentul de punere \u00een aplicare (UE) 2021\/1847 […]<\/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":[185,39239,485,275,31757,50161],"class_list":["post-198530","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bnr","tag-chf","tag-credite","tag-inlocuire","tag-libor","tag-saron"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/198530","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=198530"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/198530\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=198530"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=198530"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=198530"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}