{"id":21767,"date":"2010-07-12T08:45:00","date_gmt":"2010-07-12T08:45:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=21767"},"modified":"2026-04-02T17:29:15","modified_gmt":"2026-04-02T17:29:15","slug":"bnr-problema-cu-creditele-in-valuta-este-indatorarea-mare-a-clientilor","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=21767","title":{"rendered":"BNR: Problema cu creditele in valuta este indatorarea mare a clientilor"},"content":{"rendered":"<\/p>\n

“Indatorarea in valuta a fost mai puternica, permisa de
\nperformanta financiara mai buna a clientilor si de maturitatea mai
\nmare, care a dus insa si la riscuri prelungite”, atentioneaza
\nDragulin.<\/p>\n

In cazul populatiei, valoarea medie a unui credit in valuta este
\nde 12 ori mai mare decat valoarea medie a unui credit in lei, in
\ntimp ce la companii raportul este de patru la unu. De asemenea,
\nperioada de rambursare este mult mai mare la valuta, de aproape 20
\nde ani, fata de mai putin de opt ani in cazul imprumuturilor in
\nlei.<\/p>\n

Detalii pe
\nwww.zf.ro<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Sumele mari imprumutate de clienti prin credite in valuta si perioadele mult mai mari de rambursare comparativ cu cele la creditele in lei sunt o problema mai importanta chiar decat dificultatile legate de deprecierea leului sau cresterea dobanzilor, spune Ion Dragulin, directorul Directiei Stabilitate Financiara din BNR.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[511],"tags":[185,485,7136,16834,13715,16924,10266],"class_list":["post-21767","post","type-post","status-publish","format-standard","hentry","category-afaceri","tag-bnr","tag-credite","tag-finante","tag-ion-dragulin","tag-rambursare","tag-scadenta","tag-valuta"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/21767","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=21767"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/21767\/revisions"}],"predecessor-version":[{"id":41417,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/21767\/revisions\/41417"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21767"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21767"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}