{"id":48491,"date":"2011-06-13T11:45:00","date_gmt":"2011-06-13T11:45:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=48491"},"modified":"2026-04-02T20:43:24","modified_gmt":"2026-04-02T20:43:24","slug":"economiile-in-valuta-la-un-depozit-de-400-euro-pe-trei-luni-nu-mai-iei-nici-banii-depusi","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=48491","title":{"rendered":"Economiile in valuta: La un depozit de 400 euro pe trei luni nu mai iei nici banii depusi"},"content":{"rendered":"<p>Astfel s-a ajuns in situatia in care un client care constituie<br \/>\nun depozit in valuta pe trei luni &#8211; una dintre scaden\u00actele<br \/>\npreferate &#8211; sa retraga mai putini bani decat au depus daca merg la<br \/>\nghiseul bancii in oricare alta zi decat cea de scadenta. Multe<br \/>\nbanci nu percep comision de retragere in ziua in care depozitul<br \/>\najunge la maturitate. &#8220;Exista o practica foarte variata in ceea ce<br \/>\npriveste comisioanele de retragere. Acum cinci-sase ani existau<br \/>\nfoarte putine comisioane, dar paleta s-a diversificat foarte mult<br \/>\nin ultima perioada. Bancile incearca astfel sa-si mareasca baza de<br \/>\nvenituri deoarece castigurile din marja de dobanda s-au ingustat si<br \/>\nsi-au dat seama ca nu se pot baza pe o singura sursa de venit&#8221;,<br \/>\ncomenteaza analistul financiar Aurelian Dochia.<\/p>\n<p><a href=\n\"http:\/\/www.zf.ro\/banci-si-asigurari\/mai-merita-economiile-in-valuta-la-un-depozit-de-400-pe-trei-luni-nu-mai-iei-nici-banii-depusi-8336171\"\ntarget=\"_blank\">Cititi mai multe pe www.zf.ro<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cu comisioane mari de retragere de numerar si dobanzi mici, clientii care fac economii in valuta ajung sa nu mai scoata de la banca nici macar banii depusi. Cresterea incasarilor din operatiunile curente a fost principalul obiectiv al bancherilor in ultimii doi ani, in conditiile in care prabusirea vanzarilor de credite i-a fortat sa caute surse alternative de venit.<\/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":[7267,9804,7458,11056],"class_list":["post-48491","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-depozit","tag-dobanda","tag-financiar"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/48491","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=48491"}],"version-history":[{"count":2,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/48491\/revisions"}],"predecessor-version":[{"id":65705,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/48491\/revisions\/65705"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=48491"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=48491"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=48491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}