{"id":217558,"date":"2023-07-04T13:56:07","date_gmt":"2023-07-04T13:56:07","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=217558"},"modified":"2023-07-04T13:56:07","modified_gmt":"2023-07-04T13:56:07","slug":"indicele-ircc-care-va-fi-folosit-pentru-calculul-dobanzii-creditelor-de-retail-de-la-1-iulie-s-a-redus-la-594-de-la-598-in-trimestrul-anterior-robor-la-3-luni-este-cotat-la-653","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=217558","title":{"rendered":"Indicele IRCC care va fi folosit pentru calculul dob\u00e2nzii creditelor de retail de la 1 iulie s-a redus la 5,94%, de la 5,98% \u00een trimestrul anterior. ROBOR la 3 luni este cotat la 6,53%"},"content":{"rendered":"<p style=\"text-align: justify;\">\nIndicele IRCC care va fi folosit pentru calculul dob\u00e2nzii creditelor de retail de la 1 iulie 2023 s-a redus la 5,94%, de la 5,98% \u00een trimestrul anterior, potrivit datelor BNR.<\/p>\n<p style=\"text-align: justify;\">\nNoul procent a fost calculat pe baza tranzac\u0163iilor de pe pia\u0163a monetar\u0103 interbancar\u0103 din T1\/2023.<\/p>\n<p style=\"text-align: justify;\">\nIndicele a atins un nivel maxim \u00een T4\/2022, c\u00e2nd a a fost calculat la 5,98%, dup\u0103 5,71% cu un trimestru \u00eenainte.<\/p>\n<p style=\"text-align: justify;\">\nComparativ, \u00een iulie 2022, dob\u00e2nda la creditele noi era calculat\u0103 \u00een baza unui IRCC de 2,65%.<\/p>\n<p style=\"text-align: justify;\">\nPotrivit BNR, indicele de referin\u0163\u0103 trimestrial (indice de referin\u0163\u0103 pentru creditele acordate consumatorilor- IRCC) se calculeaz\u0103 ca medie aritmetic\u0103 a ratelor dob\u00e2nzilor zilnice ale tranzac\u0163iilor pe pia\u0163a monetar\u0103 interbancar\u0103, determinate pentru trimestrul anterior.<\/p>\n<p style=\"text-align: justify;\">\n<a href=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/21985964\/3\/354476536-258951660090825-337227693571199327-n.png\"><img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/21985964\/3\/354476536-258951660090825-337227693571199327-n.png?height=344&#038;width=640\" style=\"width: 640px; height: 344px;\" \/><\/a><\/p>\n<p style=\"text-align: justify;\">\nIRCC a ap\u0103rut \u00een 2019 \u00een urma acuza\u0163iilor lansate de politicieni privind manipularea dob\u00e2nzilor interbancare ROBOR printr-o \u00een\u0163elegere de tip cartel \u00eentre b\u0103nci, care au culminat cu impunerea unei taxe pe activele b\u0103ncilor, legat\u0103 \u00eentr-o prim\u0103 faz\u0103 de ROBOR, pentru ca ulterior s\u0103 se decid\u0103 schimbarea formulei de calcul al indicelui la care sunt legate creditele \u00een lei, taxa bancar\u0103 fiind decuplat\u0103 de ROBOR.<\/p>\n<p style=\"text-align: justify;\">\n\u00cen prezent, indicele IRCC este sub nivelul ROBOR la 3 luni, folosit pentru calculul dob\u00e2nzii la creditele acordate \u00eenainte de 2019. Mar\u0163i, 4 iulie, ROBOR la 3 luni este cotat la 6,53%, fa\u0163\u0103 de 6,54% luni.<\/p>\n<p style=\"text-align: justify;\">\nROBOR a \u00eenceput anul 2023 la 7,56% \u015fi a cobor\u00e2t la un minim de 6% pe 16 mai, revenind apoi pe cre\u015ftere.<\/p>\n<p>\nROBOR la 3 luni a crescut \u00een cursul anului trecut \u015fi a atins pe 1 august 2022 pragul de 8%, ajung\u00e2nd la un maxim de 8,2% la final de octombrie.<\/p>\n<p style=\"text-align: justify;\">\n<br \/>\n&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Indicele IRCC care va fi folosit pentru calculul dob\u00e2nzii creditelor de retail de la 1 iulie 2023 s-a redus la 5,94%, de la 5,98% \u00een trimestrul anterior, potrivit datelor BNR. Noul procent a fost calculat pe baza tranzac\u0163iilor de pe pia\u0163a monetar\u0103 interbancar\u0103 din T1\/2023. Indicele a atins un nivel maxim \u00een T4\/2022, c\u00e2nd a [&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":[185,485,7458,10021],"class_list":["post-217558","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bnr","tag-credite","tag-dobanda","tag-indice"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/217558","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=217558"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/217558\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=217558"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=217558"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=217558"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}