\nCre\u015fterea substan\u0163ial\u0103 a ROBOR \u00een ultima perioad\u0103, peste 8%, a m\u0103rit tensiunea celor care mai au credite la banc\u0103 cu dob\u00e2nda legat\u0103 de acest indice \u015fi a st\u00e2rnit critici chiar \u015fi de la BNR, guvernatorul Mugur Is\u0103rescu declar\u00e2nd recent c\u0103 b\u0103ncile au \u201es\u0103rit calul\u201c cu ROBOR, care a dep\u0103\u015fit dob\u00e2nda-cheie, setat\u0103 la 5,5% \u00een august, \u015fi rata de creditare Lombard, care este de 6,5% din august,<\/p>\n
\nROBOR de peste 8% este triplu fa\u0163\u0103 de noul indice IRCC, care se aplic\u0103 la creditele luate de popula\u0163ie dup\u0103 luna mai 2019 \u015fi care acum este de 2,65%.<\/p>\n
\nZece b\u0103nci mari, respectiv Banca Transilvania, BCR, BRD, ING, Raiffeisen, CEC Bank, UniCredit, OTP, EximBank \u015fi Intesa Sanpaolo, particip\u0103 la calculul ROBOR, potrivit informa\u0163iilor BNR \u015fi ACI.<\/p>\n
\nROBOR este rata dob\u00e2nzii la care b\u0103ncile care contribuie la calcularea acestui indice sunt dispuse s\u0103 ofere \u00eemprumuturi sub form\u0103 de depozite \u00een lei celorlalte b\u0103nci contributoare.<\/p>\n
\n\u00cen ceea ce prive\u015fte modalitatea de calcul, ROBOR se calculeaz\u0103 ca media aritmetic\u0103 (dup\u0103 eliminarea extremelor) a dob\u00e2nzilor cotate de b\u0103ncile care particip\u0103 la procesul de calcul al ROBOR \u00eentr-un interval de c\u00e2teva minute.<\/p>\n
\n\u201eRata ROBOR pentru fiecare scaden\u0163\u0103 este calculat\u0103\u0103 de agentul de calcul ca medie aritmetic\u0103 a ultimelor rate cotate de fiecare participant la Fixing pentru depozitele plasate \u00eentr-un interval de 30 minute \u00eenainte de Fixing dup\u0103 eliminarea extremelor. Rata cotat\u0103 de c\u0103tre un participant pentru Fixing reprezint\u0103 rata la care sunt oferite depozite \u00een RON unui alt participant timp de 15 minute de la publicarea ratelor ROBID \u015fi ROBOR de c\u0103tre agentul de calcul\u201d, potrivit noilor reguli ale BNR opera\u0163ionale \u00eencep\u00e2nd dup\u0103 11 noiembrie 2019.<\/p>\n
\nPractic, este vorba de dob\u00e2nzi cotate de cele 10 b\u0103nci zilnic, \u00eentr-un interval de timp, adic\u0103 b\u0103ncile nu se \u00eemprumut\u0103 neap\u0103rat \u00eentre ele la nivelurile mari ale ROBOR care au dep\u0103\u015fit 8% pe 3 luni \u015fi pe 6 luni, \u015fi atunci nu se prea fac tranzac\u0163ii la aceste cota\u0163ii, ci b\u0103ncile coteaz\u0103 aceste valori.<\/p>\n
\nIndicele ROBOR din pia\u0163a interbancar\u0103 evolueaz\u0103 \u00een general aproape de dob\u00e2nda de politic\u0103 monetar\u0103, \u00eens\u0103 \u00een ultimele 4-5 luni acesta s-a decuplat, b\u0103ncile \u201es\u0103rind calul\u201c \u015fi duc\u00e2nd ROBOR-ul mult peste rata-cheie, a spus guvernatorul BNR.<\/p>\n","protected":false},"excerpt":{"rendered":"
Cre\u015fterea substan\u0163ial\u0103 a ROBOR \u00een ultima perioad\u0103, peste 8%, a m\u0103rit tensiunea celor care mai au credite la banc\u0103 cu dob\u00e2nda legat\u0103 de acest indice \u015fi a st\u00e2rnit critici chiar \u015fi de la BNR, guvernatorul Mugur Is\u0103rescu declar\u00e2nd recent c\u0103 b\u0103ncile au \u201es\u0103rit calul\u201c cu ROBOR, care a dep\u0103\u015fit dob\u00e2nda-cheie, setat\u0103 la 5,5% \u00een august, \u015fi rata de creditare Lombard, care este de 6,5% din august,<\/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":[23794,7267,185,10021,25899],"class_list":["post-207154","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-august","tag-banci","tag-bnr","tag-indice","tag-saritura"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/207154","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=207154"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/207154\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=207154"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=207154"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=207154"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}