\nConcret, media dob\u00e2nzilor din lunile aprilie, mai \u015fi iunie 2023 (T2\/2023) indic\u0103 un IRCC de 5,96%, av\u00e2nd \u00een vedere datele zilnice ale BNR privind dob\u00e2nda la tranzac\u0163ii interbancare, valoarea IRCC aferent\u0103 acestei perioade urm\u00e2nd s\u0103 se aplice pentru creditele noi din T4\/2023, scrie Ziarul Financiar.<\/p>\n
\nLa creditele retail noi cu dob\u00e2nd\u0103 variabil\u0103 din T1\/2023 valoarea IRCC a fost de 5,71%, \u00een T2\/2023 s-a aplicat un IRCC de 5,98%, \u00een T3\/2023 se folose\u015fte IRCC de 5,94%, pentru ca \u00een T4\/2023 IRCC folosit s\u0103 fie de 5,96%.<\/p>\n
\nDeocamdat\u0103, IRCC a r\u0103mas mai mic dec\u00e2t ROBOR la 3 luni, ajuns la 6,49%, \u00een ciuda unor previziuni c\u0103 va dep\u0103\u015fi destul de repede ROBOR. R\u0103m\u00e2ne de v\u0103zut dac\u0103 ROBOR va cobor\u00ee sau nu p\u00e2n\u0103 la finalul anului sub 6% \u015fi s\u0103 ajung\u0103 sub IRCC. Infla\u0163ia anual\u0103 ar urma s\u0103 coboare spre finalul anului la 7%.<\/p>\n
\nIndicele ROBOR la 3 luni, folosit la calcularea dob\u00e2nzilor variabile la creditele retail \u00een lei de dinainte de luna mai 2019, precum \u015fi pentru creditele firmelor \u00een lei, a fost \u00een S1\/2023 pe o tendin\u0163\u0103 preponderent descendent\u0103, cobor\u00e2nd sub 7%, iar recent \u015fi sub 6,5%, \u00eens\u0103 ritmul de sc\u0103dere a fost lent, \u00een ciuda excedentelor record de lichiditate, de circa 25 mld. lei medie zilnic\u0103 \u00een S1\/2023.<\/p>\n
\nMiercuri, cota\u0163ia ROBOR la 3 luni a cobor\u00e2t la 6,49%, de la 6,50% mar\u0163i, \u00een condi\u0163iile \u00een care dob\u00e2nda-cheie a fost men\u0163inut\u0103 de BNR la 7% \u00een ultimele luni, pe fondul descre\u015fterii infla\u0163iei \u015fi a \u00eencetinirii economiei \u015fi credit\u0103rii.<\/p>\n
\nComparativ, \u00een 3 ianuarie 2023, indicele ROBOR la 3 luni era de 7,56%, iar pe 30 decembrie 2022 indicele era cotat la 7,57%. Nivelul maxim atins de acest indice \u00een 2022 a fost de 8,21%, \u00een luna octombrie 2022, potrivit datelor BNR.<\/p>\n
\n\u00centre cre\u015fterea ROBOR \u015fi a IRCC este un lag de c\u00e2teva luni, dar difer\u0103 \u015fi metodologia de calcul. \u00cen timp ce ROBOR este stabilit zilnic la fixing, folosind ultimele rate cotate de fiecare banc\u0103, \u00eentr-un interval, indicele IRCC zilnic se calculeaz\u0103 pe baza tranzac\u0163iilor efective, respectiv media ponderat\u0103 a ratelor de dob\u00e2nd\u0103 cu volumele tranzac\u0163iilor interbancare, iar apoi se calculeaz\u0103 IRCC trimestrial.<\/p>\n
\nNoul indice de referin\u0163\u0103 IRCC a ap\u0103rut \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","protected":false},"excerpt":{"rendered":"
IRCC, noul indice de referin\u0163\u0103 folosit pentru calculul ratelor la banc\u0103 la creditele noi ipotecare \u015fi de consum acordate dup\u0103 luna mai 2019, va r\u0103m\u00e2ne sub 6% p\u00e2n\u0103 la finalul anului 2023, urm\u00e2nd s\u0103 ajung\u0103 \u00een trimestrul al patrulea (T4) din 2023 la 5,96% (calculat pe baza datelor din T2\/2023).<\/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":[485,45125],"class_list":["post-217826","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-credite","tag-ircc"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/217826","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=217826"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/217826\/revisions"}],"predecessor-version":[{"id":217846,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/217826\/revisions\/217846"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=217826"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=217826"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=217826"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}