{"id":239535,"date":"2025-08-24T19:34:54","date_gmt":"2025-08-24T19:34:54","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=239535"},"modified":"2025-08-24T19:34:54","modified_gmt":"2025-08-24T19:34:54","slug":"2025-anul-dobanzilor-fixe-clientii-romani-cauta-siguranta-nu-surprize-3","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=239535","title":{"rendered":"2025, anul dob\u00e2nzilor fixe: clien\u0163ii rom\u00e2ni caut\u0103 siguran\u0163\u0103, nu surprize"},"content":{"rendered":"<p>\n<strong>Dob\u00e2nzile scad, refinan\u0163\u0103rile cresc, iar comportamentul financiar al rom\u00e2nilor devine tot mai previzibil. De ce 2025 este un an-cheie pentru creditarea ipotecar\u0103 \u00een Rom\u00e2nia \u015fi cum se transform\u0103 rolul brokerului?<\/strong><\/p>\n<p>\n<img 01=\"\" 1.tur=\"\" appdata=\"\" box:=\"\" c:=\"\" file:=\"\" local=\"\" msohtmlclip1=\"\" temp=\"\" text=\"\" users=\"\" \/>P\u00e2n\u0103 acum c\u00e2\u0163iva ani, clientul venea \u015fi \u00eentreba: care e rata cea mai mic\u0103? Ast\u0103zi, peste 95% dintre clien\u0163i aleg dob\u00e2nd\u0103 fix\u0103. Asta arat\u0103 clar c\u0103 lucrurile s-au schimbat. Se uit\u0103 la costul total, la stabilitate \u015fi la ce poate \u00eensemna o eventual\u0103 cre\u015ftere a ratelor \u00een viitor. Pia\u0163a s-a maturizat, iar oamenii au \u00eenv\u0103\u0163at din experien\u0163ele ultimilor ani\u201d, spune C\u0103t\u0103lin Marin, managing partner al SVN Rom\u00e2nia Credit &#038; Financial Solutions, companie lider pe pia\u0163a de brokeraj de credite.<\/p>\n<p>\nPotrivit datelor companiei, dob\u00e2nda medie fix\u0103 \u00een ofertele actuale este de 5,45%, iar trendul este \u00een continuare descendent. \u00cen acest context, interesul pentru finan\u0163are imobiliar\u0103 a crescut mult. \u201e\u00cen primul trimestru al acestui an, pia\u0163a ipotecar\u0103 a crescut cu peste 40% comparativ cu perioada similar\u0103 din 2024. Este o revenire clar\u0103 a cererii, mai ales \u00een marile ora\u015fe.\u201d Unul dintre cele mai evidente semnale de maturizare a pie\u0163ei este cre\u015fterea spectaculoas\u0103 a refinan\u0163\u0103rilor. \u201eSunt foarte mul\u0163i oameni care \u00een continuare pl\u0103tesc dob\u00e2nzi de 8\u20139%, din iner\u0163ie sau din lips\u0103 de informare. Ce nu \u015ftiu este c\u0103, \u00een multe cazuri, costul de refinan\u0163are este acoperit de banc\u0103. Practic, dac\u0103 ai un credit luat \u00een 2022, po\u0163i pl\u0103ti cu c\u00e2teva sute de lei mai pu\u0163in pe lun\u0103 doar f\u0103c\u00e2nd aceast\u0103 mi\u015fcare\u201d, explic\u0103 Marin. SVN Rom\u00e2nia Credit &#038; Financial Solutions gestioneaz\u0103 peste 22 de birouri \u00een \u0163ar\u0103 \u015fi o re\u0163ea de 300 de consultan\u0163i, av\u00e2nd o cot\u0103 de pia\u0163\u0103 de peste 40% \u00een brokerajul de credite. \u00cen fiecare lun\u0103, compania intermediaz\u0103 sute de credite ipotecare, oferind clien\u0163ilor solu\u0163ii personalizate \u015fi compara\u0163ii directe \u00eentre cele mai bune oferte bancare. \u201eUnul dintre cele mai importante lucruri pe care le spunem clien\u0163ilor este c\u0103 nu trebuie s\u0103 aleag\u0103 \u00eentre b\u0103nci pe baza percep\u0163iei.<\/p>\n<p>\n<a href=\"https:\/\/www.businessmagazin.ro\/analize\/servicii-financiare\/2025-anul-dobanzilor-fixe-clientii-romani-cauta-siguranta-nu-22833073\" target=\"_blank\"><strong>Citi\u0163i articolul integral pe Business MAGAZIN<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dob\u00e2nzile scad, refinan\u0163\u0103rile cresc, iar comportamentul financiar al rom\u00e2nilor devine tot mai previzibil. De ce 2025 este un an-cheie pentru creditarea ipotecar\u0103 \u00een Rom\u00e2nia \u015fi cum se transform\u0103 rolul brokerului? P\u00e2n\u0103 acum c\u00e2\u0163iva ani, clientul venea \u015fi \u00eentreba: care e rata cea mai mic\u0103? Ast\u0103zi, peste 95% dintre clien\u0163i aleg dob\u00e2nd\u0103 fix\u0103. Asta arat\u0103 clar [&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":[7328,187,11056,9980,7259,173],"class_list":["post-239535","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-brokeri","tag-dobanzi","tag-financiar","tag-rata","tag-real-estate","tag-romani"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/239535","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=239535"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/239535\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=239535"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=239535"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=239535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}