\nB\u0103ncile europene nu vor \u00eenregistra nicio cre\u015ftere a creditelor ipotecare \u00een acest an, din cauza ratelor ridicate ale dob\u00e2nzilor, \u00eens\u0103 se estimeaz\u0103 o redresare \u00eencep\u00e2nd cu 2025, scrie Financial Times.<\/p>\n
\n\u00cen ultimii doi ani, \u00eemprumuta\u0163ii din zona euro au fost descuraja\u0163i s\u0103 acceseze noi credite ipotecare, deoarece Banca Central\u0103 European\u0103 (BCE) a majorat ratele dob\u00e2nzilor la niveluri record, dup\u0103 o perioad\u0103 \u00eendelungat\u0103 de rate negative.<\/p>\n
\nPotrivit unei analize realizate de EY, bazate pe datele Autorit\u0103\u0163ii Bancare Europene \u015fi ale b\u0103ncilor na\u0163ionale din Germania, Fran\u0163a, Spania \u015fi Italia, se preconizeaz\u0103 c\u0103 \u00eemprumuturile ipotecare din zona euro nu vor cre\u015fte \u00een acest an, comparativ cu o cre\u015ftere de 4,9% \u00een 2022.<\/p>\n
\nDatele, colectate din 2006, arat\u0103 c\u0103 cea mai mic\u0103 rat\u0103 de cre\u015ftere anterioar\u0103 a fost de 0,2% \u00een 2014.<\/p>\n
\n\u201ePia\u0163a imobiliar\u0103 continu\u0103 s\u0103 fie cea mai afectat\u0103, f\u0103r\u0103 cre\u015ftere \u00een acest an. Totu\u015fi, pe m\u0103sur\u0103 ce scad costurile de trai \u015fi de \u00eemprumut, cererea de locuin\u0163e \u015fi de credite at\u00e2t din partea consumatorilor, c\u00e2t \u015fi a \u00eentreprinderilor ar trebui s\u0103 se redreseze,\u201d a declarat Omar Ali, lider global pentru servicii financiare la EY.<\/p>\n
\nCompania de consultan\u0163\u0103 se a\u015fteapt\u0103 ca \u00eemprumuturile ipotecare s\u0103 \u00ee\u015fi revin\u0103 din 2025, cu o cre\u015ftere de 3,1%, urc\u00e2nd la 4,2% \u00een anul urm\u0103tor, pe m\u0103sur\u0103 ce costurile de \u00eemprumut scad \u015fi infla\u0163ia \u00eencetine\u015fte, reduc\u00e2nd presiunile asupra pie\u0163ei imobiliare.<\/p>\n
\nBCE a majorat principala rat\u0103 a dob\u00e2nzii de la 0% \u00een 2022 la un nivel record de 4% \u00een septembrie anul trecut, urm\u00e2nd exemplul B\u0103ncii Angliei \u015fi al Rezervei Federale, \u00een \u00eencercarea de a combate cre\u015fterea infla\u0163iei.<\/p>\n
\n\u00cen iunie, BCE a redus dob\u00e2nda principal\u0103 la 3,75% \u015fi este de a\u015fteptat s\u0103 continue sc\u0103derile \u00een lunile urm\u0103toare, pe m\u0103sur\u0103 ce infla\u0163ia scade.<\/p>\n
\nCreditele ipotecare reprezint\u0103 aproape jum\u0103tate din totalul \u00eemprumuturilor din zona euro, de\u015fi \u015fi alte tipuri de credite au fost afectate \u00een ultimii ani.<\/p>\n","protected":false},"excerpt":{"rendered":"
B\u0103ncile europene nu vor \u00eenregistra nicio cre\u015ftere a creditelor ipotecare \u00een acest an, din cauza ratelor ridicate ale dob\u00e2nzilor, \u00eens\u0103 se estimeaz\u0103 o redresare \u00eencep\u00e2nd cu 2025, scrie Financial Times. \u00cen ultimii doi ani, \u00eemprumuta\u0163ii din zona euro au fost descuraja\u0163i s\u0103 acceseze noi credite ipotecare, deoarece Banca Central\u0103 European\u0103 (BCE) a majorat ratele dob\u00e2nzilor […]<\/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":[8830,557,10131,187,438,11229,8443],"class_list":["post-229919","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bce","tag-creditare","tag-cumparatori","tag-dobanzi","tag-europa","tag-piata-imobiliara","tag-rate"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/229919","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=229919"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/229919\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=229919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=229919"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=229919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}