{"id":243949,"date":"2026-01-08T12:39:09","date_gmt":"2026-01-08T12:39:09","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=243949"},"modified":"2026-01-08T12:39:09","modified_gmt":"2026-01-08T12:39:09","slug":"scad-ratele-romanilor-la-creditele-retail-noi-in-lei-indicele-ircc-a-ajuns-la-568-de-la-606","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=243949","title":{"rendered":"Scad ratele rom\u00e2nilor la creditele retail noi \u00een lei. Indicele IRCC a ajuns la 5,68%, de la 6,06%"},"content":{"rendered":"<p>\nIndicele de referin\u0163\u0103 IRCC, folosit pentru calcularea dob\u00e2nzilor variabile la creditele retail noi \u00een lei acordate dup\u0103 luna mai 2019, va \u00eencepe s\u0103 scad\u0103 \u00een primul trimestru (T1) din 2026 la 5,68%, fiind calculat pe baza datelor din T3\/2025, dup\u0103 ce nivelul IRCC aplicat \u00een ultimul trimestru din 2025 a urcat la un record de 6,06% (fiind calculat pe baza datelor din T2\/2025).<\/p>\n<p>\nTendin\u0163a de sc\u0103dere a IRCC ar putea s\u0103 continue \u015fi \u00een T2\/2026, fiind posibil ca nivelul s\u0103 coboare spre 5,6%, dup\u0103 cum reiese din datele publicate p\u00e2n\u0103 acum de banca central\u0103 pentru ultimul trimestru din 2025.<\/p>\n<p>\n\u00cen ceea ce prive\u015fte ROBOR la 3 luni, utilizat pentru calcularea dob\u00e2nzilor variabile la creditele \u00een lei contractate de popula\u0163ie \u00eenainte de luna mai 2019, precum \u015fi pentru creditele curente ale companiilor \u00een lei, acesta a fost cotat joi la 6,12% \u00een sc\u0103dere fa\u0163\u0103 de &nbsp;nivelul de 6,14% afi\u015fat la \u00eenceputul anului.<\/p>\n<p>\nDe asemenea, ROBOR la 6 luni, utilizat la calculul dob\u00e2nzilor la creditele ipotecare \u00een lei cu dob\u00e2nd\u0103 variabil\u0103, era cotat \u00een 8 ianuarie la 6,25%, \u00een sc\u0103dere de la 6,28% \u00een 5 ianuarie, iar ROBOR la 12 luni, la 6,46%, de la 6,49% la \u00eenceputul anului.<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Indicele de referin\u0163\u0103 IRCC, folosit pentru calcularea dob\u00e2nzilor variabile la creditele retail noi \u00een lei acordate dup\u0103 luna mai 2019, va \u00eencepe s\u0103 scad\u0103 \u00een primul trimestru (T1) din 2026 la 5,68%, fiind calculat pe baza datelor din T3\/2025, dup\u0103 ce nivelul IRCC aplicat \u00een ultimul trimestru din 2025 a urcat la un record de [&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":[10638,16607,10021,45125,8443,399,173,8327],"class_list":["post-243949","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-acordare","tag-aplicare","tag-indice","tag-ircc","tag-rate","tag-retail","tag-romani","tag-scadere"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/243949","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=243949"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/243949\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=243949"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=243949"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=243949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}