{"id":213384,"date":"2023-02-21T11:28:26","date_gmt":"2023-02-21T11:28:26","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=213384"},"modified":"2023-02-21T11:28:26","modified_gmt":"2023-02-21T11:28:26","slug":"romanii-s-au-speriat-de-cresterea-dobanzilor-la-peste-14-dobanzile-mari-au-dus-la-scaderea-creditelor-noi-de-consum-in-2022-cu-6-dupa-cresterea-cu-peste-40-din-2021","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=213384","title":{"rendered":"Rom\u00e2nii s-au speriat de cre\u015fterea dob\u00e2nzilor la peste 14%. Dob\u00e2nzile mari au dus la sc\u0103derea creditelor noi de consum \u00een 2022 cu 6% dup\u0103 cre\u015fterea cu peste 40% din 2021"},"content":{"rendered":"<p>\n<em><strong><span style=\"color:#b22222;\"><span style=\"color:#b22222;\">\u2666<\/span><\/span> Popula\u0163ia a luat \u00een 2022 credite noi de consum \u00een lei \u015fi euro de 25,6 mld. lei, cu 6% sub nivelul din 2021 <span style=\"color:#b22222;\"><span style=\"color:#b22222;\">\u2666<\/span><\/span> \u00cen 2022 s-a produs a doua sc\u0103dere anual\u0103 a creditelor de consum din ultimul deceniu dup\u0103 declinul \u00eenregistrat \u00een 2020, an marcat puternic de pandemia de COVID-19.<\/strong><\/em><\/p>\n<p>\nCreditele noi de consum \u00een lei \u015fi \u00een euro luate de popula\u0163ie de la b\u0103nci au sc\u0103zut \u00een 2022 dup\u0103 ce \u00een 2021 au accelerat la un nivel record al ultimilor 15 ani, f\u0103c\u00e2nd un salt de peste 40%, cel mai mare salt anual al creditelor retail din aceast\u0103 perioad\u0103, de c\u00e2nd a publicat BNR astfel de date.<\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/21628840\/2\/1-main-pastila.jpg?height=285&#038;width=250\" style=\"width: 250px; height: 285px; margin: 10px; float: left;\" \/>Popula\u0163ia a luat \u00een 2022 credite noi de consum \u00een lei \u015fi euro de 25,6 mld. lei, cu 1,65 mld. lei, respectiv cu 6% sub nivelul record din 2021, dup\u0103 cum reiese din datele BNR.<\/p>\n<p>\nApetitul rom\u00e2nilor pentru creditele de consum a \u00eenceput s\u0103 scad\u0103 \u00een 2022 \u00een contextul major\u0103rii dob\u00e2nzilor, al infla\u0163iei mari \u015fi al r\u0103zboiului de la grani\u0163\u0103, dup\u0103 \u00eenceputul bun de an, cu volume \u00een cre\u015ftere \u00een ianuarie \u015fi februarie. Privind retrospectiv, fa\u0163\u0103 de 2020, creditele noi de consum au avut \u00een 2021 o cre\u015ftere cu 7,9 mld. lei, respectiv cu 40,9%, dup\u0103 ce \u00een 2020 au avut o sc\u0103dere anual\u0103 de 16,8%, iar \u00een 2019 au \u00eenregistrat un plus de 3,6%. \u00cen prim\u0103vara anului 2020, creditarea \u00eenregistrase un declin puternic, din cauza blocajului determinat de starea de urgen\u0163\u0103 impus\u0103 atunci timp de dou\u0103 luni din cauza pandemiei de coronavirus. Pe componenta \u00een lei, creditele noi de consum au sc\u0103zut \u00een anul 2022 cu 1,7 mld. lei, respectiv cu 6,1%, p\u00e2n\u0103 la 25,5 mld. lei. \u00cen 8 luni din 2022 volumele lunare ale creditelor noi de consum \u00een lei au fost mai mici comparativ cu nivelurile din acelea\u015fi luni din 2021, \u00een timp ce doar \u00een 4 luni din 2022 volu\u00admele creditelor au fost mai mari. Tendin\u0163a de sc\u0103dere a creditelor retail a fost mai pronun\u0163at\u0103 \u00een a doua jum\u0103tate a anului 2022.<\/p>\n<p>\n\u00cen ceea ce prive\u015fte creditele noi de con\u00adsum \u00een euro, acestea s-au majorat fa\u0163\u0103 de 2021 cu 3,2 mil. euro, respectiv cu 17,4%, p\u00e2n\u0103 la 22,2 mil. euro (echivalentul a 109,6 mil. lei). Majoritatea creditelor de consum noi (peste 99%) sunt \u00een lei. Un factor im\u00adportant care a influen\u0163at declinul credit\u0103rii pe componenta \u00een lei a fost \u015fi dob\u00e2nda, care a urcat la peste 14%, fiind mai mult dec\u00e2t dubl\u0103 fa\u0163\u0103 de dob\u00e2nda la creditele noi de consum \u00een euro. La creditele noi de consum \u00een euro dob\u00e2nda medie a urcat de la 3,74% \u00een decembrie 2021 p\u00e2n\u0103 spre 6% \u00een decembrie 2022.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Creditele noi de consum \u00een lei \u015fi \u00een euro luate de popula\u0163ie de la b\u0103nci au sc\u0103zut \u00een 2022 dup\u0103 ce \u00een 2021 au accelerat la un nivel record al ultimilor 15 ani, f\u0103c\u00e2nd un salt de peste 40%, cel mai mare salt anual al creditelor retail din aceast\u0103 perioad\u0103, de c\u00e2nd a publicat BNR astfel de date.<\/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":[185,557,33098,53172],"class_list":["post-213384","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bnr","tag-creditare","tag-credite-de-consum","tag-cresterea-dobanzilor"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/213384","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=213384"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/213384\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=213384"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=213384"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=213384"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}