{"id":209185,"date":"2022-10-12T14:07:40","date_gmt":"2022-10-12T14:07:40","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=209185"},"modified":"2022-10-12T14:07:40","modified_gmt":"2022-10-12T14:07:40","slug":"ce-spun-bancile-ratele-la-creditele-ipotecare-cresc-cu-70-80-simularile-bancilor-de-top-pentru-un-credit-ipotecar-de-50-000-de-euro-si-o-durata-ramasa-de-25-30-de-ani","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=209185","title":{"rendered":"Ce spun b\u0103ncile: ratele la creditele ipotecare cresc cu 70-80%. Simul\u0103rile b\u0103ncilor de top pentru un credit ipotecar de 50.000 de euro \u015fi o durat\u0103 r\u0103mas\u0103 de 25\/30 de ani"},"content":{"rendered":"<p>\n<em><strong><span style=\"color:#b22222;\"><span style=\"color:#b22222;\">\u2666<\/span><\/span> BRD, Raiffeisen \u015fi UniCredit Bank, trei din cele mai mari 10 b\u0103nci din sistemul bancar, au \u00eenregistrat cre\u015fteri ale ratelor clien\u0163ilor la creditele ipotecare \u00een lei legate at\u00e2t de ROBOR, \u00eentre 70 \u015fi 80%, c\u00e2t \u015fi de IRCC, \u00eentre 34 \u015fi 40%, potrivit simul\u0103rilor transmise la solicitarea ZF.<\/strong><\/em><\/p>\n<p>\nROBOR la 3 luni, folosit pentru calcularea do\u00adb\u00e2nzilor variabile la creditele \u00een lei \u00eenainte de luna mai 2019, se afla la un nivel de pu\u0163in peste 1,5% \u00een octombrie 2021, ulterior ajung\u00e2nd la 7,93% \u00een octombrie 2022.<\/p>\n<p>\nOdat\u0103 cu cre\u015fterea indicelui ROBOR, ratele la creditele ipotecare pe care rom\u00e2nii le-au luat \u00eenainte de introducerea IRCC au mers pe o pant\u0103 ascendent\u0103, ajung\u00e2nd la cre\u015fteri de 70-80%.<\/p>\n<p>\n\u00cencep\u00e2nd cu octombrie 2022, IRCC a f\u0103cut primul pas spre rate mai mari pentru creditele ipotecare, respectiv o cre\u015ftere p\u00e2n\u0103 la 4,06%, de la 2,65%, traiectoria fiind una de cre\u015ftere.<\/p>\n<p>\nDe exemplu, \u00een cazul BRD, pentru cele dou\u0103 simul\u0103ri oferite de banc\u0103, rata pentru un credit ipotecar legat de ROBOR a ajuns la 2.248 lei \u00een octombrie 2022, cu 82% mai mult fa\u0163\u0103 de aceea\u015fi perioad\u0103 a anului trecut, iar pentru un credit legat de IRCC cre\u015fterea este de 40%, p\u00e2n\u0103 la 1.580 lei.<\/p>\n<p>\nLa Raiffeisen Bank, rata pentru un credit ipotecar legat de ROBOR a ajunge cu 73% mai mult la final de septembrie 2022 fa\u0163\u0103 de septembrie 2021, p\u00e2n\u0103 la 2.397 lei, \u00een timp ce la creditul legat de IRCC rata a ajuns la 1.635 lei, \u00een cre\u015ftere cu 34%.<\/p>\n<p>\n\u00cen ceea ce prive\u015fte UniCredit Bank, simularea oferit\u0103 a fost numai pentru un credit legat de IRCC, iar rata a ajuns la 1.635 lei, \u00een cre\u015ftere cu 35% \u00een octombrie 2022 fa\u0163\u0103 de octombrie 2021.<\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/21235401\/2\/1-simulari.jpg?height=1159&#038;width=640\" style=\"width: 640px; height: 1159px;\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u2666 BRD, Raiffeisen \u015fi UniCredit Bank, trei din cele mai mari 10 b\u0103nci din sistemul bancar, au \u00eenregistrat cre\u015fteri ale ratelor clien\u0163ilor la creditele ipotecare \u00een lei legate at\u00e2t de ROBOR, \u00eentre 70 \u015fi 80%, c\u00e2t \u015fi de IRCC, \u00eentre 34 \u015fi 40%, potrivit simul\u0103rilor transmise la solicitarea ZF. ROBOR la 3 luni, folosit pentru [&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":[7267,46409,8753,46750,45125,52909,17315,8037],"class_list":["post-209185","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-bancile","tag-credit-ipotecar","tag-creditele-ipotecare","tag-ircc","tag-ratele","tag-robor","tag-sistem-bancar"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/209185","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=209185"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/209185\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=209185"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=209185"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=209185"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}