\nDac\u0103 b\u0103ncile reduc marja \u015fi dob\u00e2nda final\u0103 este mai mic\u0103, poate clien\u0163ii se \u00eencadreaz\u0103 s\u0103 ia un credit nou. Pe de alt\u0103 parte, sumele maxime pe care b\u0103ncile le vor da de acum \u00eenainte ar putea fi mai mici fa\u0163\u0103 de analizele ini\u0163iale, potrivit Ziarului Financiar.<\/p>\n
\nTot mai mul\u0163i poten\u0163iali clien\u0163i ai dezvoltatorilor imobiliari s-au trezit c\u0103 b\u0103ncile nu le mai aprob\u0103 creditele imobiliare pentru c\u0103 nu se mai \u00eencadreaz\u0103 ca urmare a noului nivel al IRCC calculat la 5,7% pentru T1\/2023, pe baza datelor din T3\/2022, ratele fiind mai mari cu 30-50%.<\/p>\n
\nCre\u015fterea IRCC este cea mai puternic\u0103 de p\u00e2n\u0103 acum de la un trimestru la altul, de la 4,06% \u00een T4\/2022, p\u00e2n\u0103 la 5,7% \u00een T1\/2023, ceea ce \u00eenseamn\u0103 o cre\u015ftere cu 40% a IRCC. Aceast\u0103 cre\u015ftere a IRCC, \u00een func\u0163ie de nivelul ratelor bancare, se traduce \u00een cre\u015fterea ratelor cu 30-50%.<\/p>\n
\n\u00cen acela\u015fi timp, anul 2023 a \u00eenceput \u015fi cu o cre\u015ftere a dob\u00e2nzii-cheie. BNR a majorat dob\u00e2nda de referin\u0163\u0103 cu 0,25 puncte procentuale, de la 6,75% la 7%, ceea ce ar putea antrena cre\u015fterea dob\u00e2nziii interban\u00adcare ROBOR \u015fi a dob\u00e2nzilor la credite. \u00cen trimestrul doi din 2023 indicele IRCC ar putea urca la 6%, \u00eensemn\u00e2nd noi cre\u015fteri ale ratelor creditelor ipotecare ale rom\u00e2nilor.<\/p>\n
\nPentru cei afla\u0163i la limit\u0103 cu gradul de \u00eendatorare de 40% pe familie, situa\u0163ia este dificil\u0103 pentru c\u0103 b\u0103ncile nu mai accept\u0103 creditul. Pe de alt\u0103 parte, unele b\u0103nci au \u00eenceput s\u0103 reduc\u0103 marja fix\u0103 pentru a oferi \u00een continuare \u015fansa clien\u0163ilor de a contracta un credit ipotecar.<\/p>\n","protected":false},"excerpt":{"rendered":"
Dac\u0103 b\u0103ncile reduc marja \u015fi dob\u00e2nda final\u0103 este mai mic\u0103, poate clien\u0163ii se \u00eencadreaz\u0103 s\u0103 ia un credit nou. Pe de alt\u0103 parte, sumele maxime pe care b\u0103ncile le vor da de acum \u00eenainte ar putea fi mai mici fa\u0163\u0103 de analizele ini\u0163iale, potrivit Ziarului Financiar. Tot mai mul\u0163i poten\u0163iali clien\u0163i ai dezvoltatorilor imobiliari s-au […]<\/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":[485,30,8443],"class_list":["post-212138","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-credite","tag-imobiliare","tag-rate"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/212138","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=212138"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/212138\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=212138"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=212138"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=212138"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}