{"id":211621,"date":"2022-12-30T13:18:38","date_gmt":"2022-12-30T13:18:38","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=211621"},"modified":"2022-12-30T13:18:38","modified_gmt":"2022-12-30T13:18:38","slug":"indicele-ircc-va-creste-din-ianuarie-la-571-fata-de-117-cat-avea-la-inceputul-lui-2022-robor-la-3-luni-inchide-anul-la-757-fata-de-301-pe-31-decembrie-2021","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=211621","title":{"rendered":"Indicele IRCC va cre\u015fte din ianuarie la 5,71%, fa\u0163\u0103 de 1,17% c\u00e2t avea la \u00eenceputul lui 2022. ROBOR la 3 luni \u00eenchide anul la 7,57%, fa\u0163\u0103 de 3,01% pe 31 decembrie 2021"},"content":{"rendered":"<p>\nValoarea IRCC<span>, dob\u00e2nda de referin\u0163\u0103 pentru calculul ratelor la banc\u0103 pentru creditele ipotecare \u015fi de consum, va cre\u015fte de la 1 ianuarie 2023 la <span>5,71%, de la 4,06% \u00een prezent, potrivit datelor BNR.<\/span><\/span><\/p>\n<p>\n<span><span><span>Valoarea de 5,71% este calculata pe baza datelor din T3\/2022. <\/span><\/span><\/span><\/p>\n<p>\n<span><span><span>IRCC a \u00eenceput anul la un nivel de <span>1,17%.<\/span><\/span><\/span><\/span><\/p>\n<p>\n<span><span><span><span>Analiz\u00e2nd evolu\u0163ia IRCC din 2020 p\u00e2n\u0103 \u00een prezent, cel mai mic nivel a fost atins \u00een trimestrul doi al anului 2021, respectiv 1,08%. Comparativ, la un credit de 200.000 lei, pe o perioad\u0103 de 30 de ani, rata era atunci sub 1.000 lei pentru un credit de 200.000 lei.<\/span><\/span><\/span><\/span><\/p>\n<p>\n<span><span><span><span><span>La un nivel de 5,71% al IRCC, pentru un credit ipotecar de 200.000 lei, pe o perioad\u0103 de 30 de ani, cu o marj\u0103 a b\u0103ncii de 2,5%, rata va ajunge la aproape 1.500 lei, \u00eensemn\u00e2nd un plus de aproximativ 300 lei fa\u0163\u0103 de rata calculat\u0103 la nivelul de 4,06%, conform unei simul\u0103ri pe platforma Conso. <\/span><\/span><\/span><\/span><\/span><\/p>\n<p>\n<span><span><span><span><span>\u00cen acela\u015fi timp, indicele ROBOR la 3 luni, <span>folosit pentru calcularea dob\u00e2nzilor variabile la creditele \u00een lei contractate \u00eenainte de luna mai 2019, \u00eenchide anul la <span -webkit-text-stroke-width:=\"\" background-color:=\"\" color:=\"\" display:=\"\" float:=\"\" font-family:=\"\" font-size:=\"\" font-style:=\"\" font-variant-caps:=\"\" font-variant-ligatures:=\"\" font-weight:=\"\" inline=\"\" letter-spacing:=\"\" orphans:=\"\" text-align:=\"\" text-decoration-color:=\"\" text-decoration-style:=\"\" text-decoration-thickness:=\"\" text-indent:=\"\" text-transform:=\"\" white-space:=\"\" widows:=\"\" word-spacing:=\"\">7,57%, \u00een sc\u0103dere de la <span -webkit-text-stroke-width:=\"\" background-color:=\"\" color:=\"\" display:=\"\" float:=\"\" font-family:=\"\" font-size:=\"\" font-style:=\"\" font-variant-caps:=\"\" font-variant-ligatures:=\"\" font-weight:=\"\" inline=\"\" letter-spacing:=\"\" orphans:=\"\" text-align:=\"\" text-decoration-color:=\"\" text-decoration-style:=\"\" text-decoration-thickness:=\"\" text-indent:=\"\" text-transform:=\"\" white-space:=\"\" widows:=\"\" word-spacing:=\"\">7,60% joi.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p>\nROBOR la 3 luni era cotat pe 31 decembrie 2021 la 3,01%.<\/p>\n<p>\nNivelul maxim atins de aceste indice \u00een 2022 a fost de 8,21%, \u00een luna octombrie.<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Valoarea IRCC, dob\u00e2nda de referin\u0163\u0103 pentru calculul ratelor la banc\u0103 pentru creditele ipotecare \u015fi de consum, va cre\u015fte de la 1 ianuarie 2023 la 5,71%, de la 4,06% \u00een prezent, potrivit datelor BNR. Valoarea de 5,71% este calculata pe baza datelor din T3\/2022. IRCC a \u00eenceput anul la un nivel de 1,17%. Analiz\u00e2nd evolu\u0163ia IRCC [&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":[236,245,9980,465],"class_list":["post-211621","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banca","tag-prezenta","tag-rata","tag-valoare"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/211621","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=211621"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/211621\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=211621"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=211621"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=211621"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}