{"id":239546,"date":"2025-08-24T19:58:13","date_gmt":"2025-08-24T19:58:13","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=239546"},"modified":"2025-08-24T19:58:13","modified_gmt":"2025-08-24T19:58:13","slug":"ce-mai-lipsea-la-cresterea-tva-si-a-tarifelor-la-energie-de-la-1-octombrie-si-ratele-vor-fi-mai-mari-ca-urmare-a-cresterii-ircc","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=239546","title":{"rendered":"Ce mai lipsea la cre\u015fterea TVA \u015fi a tarifelor la energie: de la 1 octombrie \u015fi ratele vor fi mai mari ca urmare a cre\u015fterii IRCC"},"content":{"rendered":"<p>\n&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n<p>\nUrmare din pagina 1<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n\u201eAstfel, \u00een loc s\u0103 fie doar un blo\u00adcaj, con\u00adtextul actual poate fi v\u0103zut ca o oportunitate de a ob\u0163ine stabilitate pe termen lung \u015fi de a transforma provoc\u0103rile economice \u00eentr-un impuls pentru o planificare financiar\u0103 mai s\u0103n\u0103toas\u0103. E drept c\u0103 pia\u0163a de consum ar putea \u00eencetini, \u00eens\u0103 pia\u0163a imobiliar\u0103 nu cred c\u0103 va fi afectat\u0103 negativ. Mai degrab\u0103 v\u0103d o cre\u015ftere accelerat\u0103 a pie\u0163ei secundare, \u00een special pentru imobilele vechi libere de sarcini\u201c, a spus Claudiu Trandafir.<\/p>\n<p>\n\u00cen acest context al cre\u015fterii TVA, brokerul de credite a mai explicat c\u0103 ofertele pentru imobilele noi ar putea s\u0103 fie for\u0163ate s\u0103 concureze cu cele vechi, ceea ce \u00eenseamn\u0103 c\u0103 aceast\u0103 cre\u015ftere a TVA ar putea fi suportat\u0103 de dezvoltatori pentru a face fa\u0163\u0103 \u015fi a putea vinde imobilele.&nbsp;<\/p>\n<p>\n\u201eOfertele de imobile noi din pia\u0163\u0103 vor avea nevoie sa concureze cu pia\u0163a secundar\u0103 \u015fi este posibil ca mul\u0163i dezvoltatori s\u0103-\u015fi asume 50%, poate chiar integral, cre\u015fterea TVA ca s\u0103 poat\u0103 vinde\u201c, a mai explicat Claudiu Trandafir.<\/p>\n<p>\nConform unei analize a ZF pe baza datelor calculate cu ajutorul platformei Conso.ro de la \u00eenceputul lunii august, ratele pentru trei exemple de credite ipotecare legate de IRCC au \u00eenergistrat o cre\u015ftere de 57% \u00een perioada T1\/2021 \u2013 T1\/2025, \u00een timp ce pentru aceea\u015fi perioad\u0103 \u015fi acelea\u015fi credite ipotecare, dar legate de ROBOR, cre\u015fterea a fost de 69%.&nbsp; \u00cen ceea ce prive\u015fte indicele IRCC,&nbsp; \u00een ultimii cinci ani evolu\u0163ia a fost una stabil\u0103, iar \u00een momentele de cre\u015ftere nivelul nu a s\u0103rit de la o zi la alta cu 2-3 procente tocmai datorit\u0103 decalajului \u015fi nivelului care se men\u0163ine p\u00e2n\u0103 la urm\u0103toarea publicare a acestuia.<\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/22886598\/1\/5-evolutia-robor.jpg?height=840&#038;width=640\" style=\"width: 640px; height: 840px; margin-top: 10px; margin-bottom: 10px;\" \/><\/p>\n<p>\nDin momentul \u00een care IRCC a \u00eenceput s\u0103 creasc\u0103 sim\u0163itor, acesta a s\u0103rit pu\u0163in mai puternic dou\u0103 praguri, de la 1,86% \u00een T4\/2021 la 2,65% \u00een T1\/2022, ulterior la 4,06% \u00een T2\/2022, iar dup\u0103 ultimul salt la 5,71% \u00een T3\/2022, nivelul a \u00eenregistrat u\u015foare oscila\u0163ii \u00een sus \u015fi \u00een jos, dar care nu au afectat sim\u0163itor ratele creditelor. Din T4\/2022 p\u00e2n\u0103 \u00een prezent, IRCC s-a men\u0163inut u\u015for sub 6%, ba chiar merg\u00e2nd pe un trend descedent p\u00e2n\u0103 la 5,55%, nivelul actual.<\/p>\n<p>\n\u00cen schimb, dac\u0103 ne uit\u0103m la evolu\u0163ia indicelui ROBOR la 3 luni \u00een ultimii 5 ani, cre\u015fterile \u00eenregistrate au fost semnificative. Dup\u0103 v\u00e2rfurile din august-noiembrie 2022, c\u00e2nd nivelul a dep\u0103\u015fit 8%, traiectoria a fost una descedent\u0103, p\u00e2n\u0103 \u00een octombrie 2024. Ulterior, ROBOR la 3 luni a \u00eenceput s\u0103 creasc\u0103 u\u015for, iar volatilitatea s-a sim\u0163it din nou \u00een luna mai 2025, c\u00e2nd nivelul ROBOR a urcat la peste 7,20%, de la 5,89%, o cre\u015ftere semnificativ\u0103 care a \u0163inut p\u00e2n\u0103 \u00een luna iunie 2025, urm\u00e2nd apoi o sc\u0103dere p\u00e2n\u0103 la 6,60% \u00een prezent.<\/p>\n<p>\nBNR a men\u0163inut p\u00e2n\u0103 acum dob\u00e2nda-cheie la 6,5%, nivel stabilit \u00eenc\u0103 din vara anului 2024, iar p\u00e2n\u0103 la sf\u00e2r\u015fitul acestui an erau a\u015fteptate reduceri de dob\u00e2nzi. Dar, cre\u015fterea taxelor, cu impact infla\u0163ionist, a scos din ecua\u0163ie \u015fansa unor t\u0103ieri de dob\u00e2nzi \u00een acest an, dup\u0103 cum anticipeaz\u0103 unii anali\u015fti.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; &nbsp; Urmare din pagina 1 &nbsp; \u201eAstfel, \u00een loc s\u0103 fie doar un blo\u00adcaj, con\u00adtextul actual poate fi v\u0103zut ca o oportunitate de a ob\u0163ine stabilitate pe termen lung \u015fi de a transforma provoc\u0103rile economice \u00eentr-un impuls pentru o planificare financiar\u0103 mai s\u0103n\u0103toas\u0103. E drept c\u0103 pia\u0163a de consum ar putea \u00eencetini, \u00eens\u0103 pia\u0163a [&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":[485,8356,246,7539,150,8337,17091,45125,526,7366,4878],"class_list":["post-239546","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-credite","tag-credite-ipotecare","tag-crestere","tag-dezvoltatori","tag-energie","tag-evolutie","tag-imobile","tag-ircc","tag-tarife","tag-tva","tag-vanzare"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/239546","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=239546"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/239546\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=239546"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=239546"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=239546"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}