\nRom\u00e2nii care mai au contracte de credite de consum sau ipotecare luate \u00eenainte de luna mai 2019, care sunt legate de ROBOR, pot s\u0103 mearg\u0103 la banc\u0103 \u015fi s\u0103 solicite trecerea la IRCC, pentru a-\u015fi diminua rata, \u00een condi\u0163iile \u00een care ROBOR a dep\u0103\u015fit deja 5%, fiind de aproape trei ori mai mare fa\u0163\u0103 de nivelul IRCC care se aplic\u0103 acum, de 1,86%.<\/p>\n
\nPractic, debitorii cu credite legate de ROBOR pot s\u0103 fac\u0103 o cerere la banc\u0103 prin care solicit\u0103 trecerea de la ROBOR la IRCC. Ieri, indicele ROBOR la trei luni, folosit pentru calcularea dob\u00e2nzilor variabile la creditele \u00een lei contractate \u00eenainte de luna mai 2019, a fost cotat la 5,16%, maximul ultimului deceniu. \u00centre cre\u015fterea ROBOR \u015fi a IRCC nu este doar un lag de c\u00e2teva luni, ci difer\u0103 \u015fi metodologia de calcul. ROBOR este stabilit zilnic la fixing, folosind ultimele rate cotate de fiecare banc\u0103, \u00eentr-un interval, iar indicele IRCC zilnic se calculeaz\u0103 pe baza tranzac\u0163iilor efective, respectiv media ponderat\u0103 a ratelor de dob\u00e2nd\u0103 cu volumele tranzac\u0163iilor interbancare, iar apoi se calculeaz\u0103 IRCC trimestrial.<\/p>\n
\n\u015ei Asocia\u0163ia Utilizatorilor Rom\u00e2ni de Servicii Financiare (AURSF) le-a recomandat recent consuma\u00adtorilor cu credite legate de ROBOR s\u0103 fac\u0103 o cerere la banc\u0103 pentru trecerea la IRCC, la care b\u0103ncile trebuie s\u0103 r\u0103spund\u0103 \u00een maximum 60 de zile \u015fi s\u0103 \u00eencheie un act adi\u0163ional cu debitorii. Noul indice de referin\u0163\u0103 IRCC a ap\u0103rut \u00een urma acuza\u0163iilor lansate de politicieni privind manipularea dob\u00e2nzilor interbancare ROBOR printr-o \u00een\u0163elegere de tip cartel \u00eentre b\u0103nci, care au culminat cu impunerea unei taxe pe activele b\u0103ncilor.<\/p>\n
\nTaxa bancar\u0103 a fost legat\u0103 \u00eentr-o prim\u0103 faz\u0103 de ROBOR, pentru ca ulterior s\u0103 se decid\u0103 schimbarea formulei de calcul al indicelui la care sunt legate creditele \u00een lei. Taxa bancar\u0103 a fost \u00een cele din urm\u0103 decuplat\u0103 de ROBOR, iar apoi eliminat\u0103, dar IRCC a r\u0103mas.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Rom\u00e2nii care mai au contracte de credite de consum sau ipotecare luate \u00eenainte de luna mai 2019, care sunt legate de ROBOR, pot s\u0103 mearg\u0103 la banc\u0103 \u015fi s\u0103 solicite trecerea la IRCC, pentru a-\u015fi diminua rata, \u00een condi\u0163iile \u00een care ROBOR a dep\u0103\u015fit deja 5%, fiind de aproape trei ori mai mare fa\u0163\u0103 de nivelul IRCC care se aplic\u0103 acum, de 1,86%.<\/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":[236,485,45125,51562,17315],"class_list":["post-204235","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banca","tag-credite","tag-ircc","tag-rate-bancare","tag-robor"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/204235","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=204235"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/204235\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=204235"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=204235"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=204235"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}