{"id":208910,"date":"2022-10-02T18:58:36","date_gmt":"2022-10-02T18:58:36","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=208910"},"modified":"2022-10-02T18:58:36","modified_gmt":"2022-10-02T18:58:36","slug":"cresc-ratele-la-banca-ircc-dobanda-de-referinta-pentru-credite-a-urcat-la-406-de-la-265-marcand-un-avans-de-53-dar-totusi-ramane-la-jumatate-fata-de-robor-la-trei-luni-care-a-inchis-septembri","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=208910","title":{"rendered":"Cresc ratele la banc\u0103: IRCC, dob\u00e2nda de referin\u0163\u0103 pentru credite, a urcat la 4,06%, de la 2,65%, marc\u00e2nd un avans de 53%, dar totu\u015fi r\u0103m\u00e2ne la jum\u0103tate fa\u0163\u0103 de ROBOR la trei luni, care a \u00eenchis septembrie la 7,93%"},"content":{"rendered":"<p>\nIRCC, dob\u00e2nda de referin\u0163\u0103 pentru creditele noi pentru popula\u0163ie acordate \u00eencep\u00e2nd cu luna mai 2019, a urcat la 4,06%, de la 2,65%, potrivit indicelui publicat trimestrial de BNR, marc\u00e2nd un avans de 53% fa\u0163\u0103 de valoarea precedent\u0103.<\/p>\n<p>\nAceast\u0103 nou\u0103 valoare a IRCC se va folosi ca referin\u0163\u0103 pentru contractele noi de credit \u00eencheiate \u00een trimestrul al patrulea (T4) din 2022, fiind calculat\u0103 pe baza datelor din T2\/2022. IRCC aplicat la creditele din T3 a fost calculat pe baza datelor din T1\/2022.<\/p>\n<p>\nIndicele IRCC este calculat ca medie zilnic\u0103 pe baza dob\u00e2nzilor aferente tuturor tranzac\u0163iilor interbancare. Diferen\u0163a \u00eentre ROBOR \u015fi dob\u00e2nda la tranzac\u0163iile interbancare, pe baza c\u0103rora se calculeaz\u0103 indicele IRCC, const\u0103 \u00een faptul c\u0103 ROBOR este o medie aritmetic\u0103 a dob\u00e2nzilor afi\u015fate de b\u0103nci, pe c\u00e2nd IRCC este o medie ponderat\u0103 a tranzac\u0163iilor. IRCC a fost introdus \u00een luna mai a anului 2019 pentru a reflecta mai bine situa\u0163iile de pe pia\u0163a bancar\u0103.<\/p>\n<p>\n\u00cen acela\u015fi timp, indicele ROBOR la trei luni, folosit pentru calcularea dob\u00e2nzilor variabile la creditele \u00een lei contractate \u00eenainte de luna mai 2019, a fost cotat \u00een ultima \u015fedin\u0163\u0103 de tranzac\u0163ionare din septembrie la 7,93%, dublu fa\u0163\u0103 de noua valoare a IRCC.&nbsp; Indicele ROBOR la 6 luni, utilizat la calculul dob\u00e2nzilor la creditele ipotecare \u00een lei cu dob\u00e2nd\u0103 variabil\u0103, a sta\u0163ionat la 8,10%. Indicele ROBOR la 12 luni a urcat la 8,23%, de la 8,22% joi. Evolu\u0163ia ROBOR este influen\u0163at\u0103 de mai mul\u0163i factori dintre care cei mai importan\u0163i se refer\u0103 la politica monetar\u0103 a BNR, lichiditatea de pe pia\u0163\u0103, infla\u0163ie \u015fi politica fiscal\u0103.<\/p>\n<p>\nDe la \u00eenceputul anului, c\u00e2nd indicele a fost cotat la 3,02%, ROBOR la 3 luni a crescut cu 166%, dep\u0103\u015find la jum\u0103tatea anului 8%.<\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/21208932\/3\/5-grafic-robor.jpg?height=258&#038;width=640\" style=\"width: 640px; height: 258px;\" \/><\/p>\n<p>\nDin luna august, indicele a \u00eenceput s\u0103 fac\u0103 pa\u015fi mici \u00eenapoi, dar se men\u0163ine \u00een continuare la un nivel care \u00eengreuneaz\u0103 activitatea multor companii, \u00een special din cauza planurilor de investi\u0163ii pentru care firmele au nevoie de finan\u0163are. Indicele 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.<\/p>\n<p>\nROBOR la 3 luni \u015fi la 6 luni, referin\u0163ele la creditele cu dob\u00e2nzi variabile luate de rom\u00e2ni p\u00e2n\u0103 \u00een luna mai 2019, au s\u0103rit peste 8%, \u00een timp ce \u00een iulie dob\u00e2nda-cheie a fost stabilit\u0103 la 4,75%, iar \u00een luna august a fost majorat\u0103 de BNR la 5,5%.&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>IRCC, dob\u00e2nda de referin\u0163\u0103 pentru creditele noi pentru popula\u0163ie acordate \u00eencep\u00e2nd cu luna mai 2019, a urcat la 4,06%, de la 2,65%, potrivit indicelui publicat trimestrial de BNR, marc\u00e2nd un avans de 53% fa\u0163\u0103 de valoarea precedent\u0103.<\/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":[485,246,7458],"class_list":["post-208910","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-credite","tag-crestere","tag-dobanda"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/208910","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=208910"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/208910\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=208910"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=208910"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=208910"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}