{"id":58191,"date":"2012-10-21T18:00:00","date_gmt":"2012-10-21T18:00:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=58191"},"modified":"2026-04-03T09:04:56","modified_gmt":"2026-04-03T09:04:56","slug":"bcr-de-acum-inainte-mizati-numai-pe-leu","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=58191","title":{"rendered":"BCR: De-acum \u00eenainte miza\u0163i numai pe leu"},"content":{"rendered":"<p>Mi\u015fcarea, care probabil va st\u00e2rni emula\u0163ie pe pia\u0163\u0103, \u00een condi\u0163iile \u00een care la ora actual\u0103 b\u0103ncile dispun de o lichiditate \u00een lei net mai mare dec\u00e2t \u00een euro, va avea \u015fi un efect de echilibrare a portofoliilor: \u00een cazul BCR, de departe liderul pie\u0163ei creditelor ipotecare, cu \u00eemprumuturi de 1,2 mld. euro acordate \u00een ultimii trei ani, peste 95% dintre acestea sunt \u00een euro. BCR va mai acorda credite imobiliare garantate \u00een euro numai clien\u0163ilor care realizeaz\u0103 venituri \u00een euro.<\/p>\n<p>&#8220;Pe termen lung ne a\u015ftept\u0103m la costuri totale semnificativ mai reduse la creditele \u00een lei comparate cu cele \u00een euro, \u0163in\u00e2nd cont \u00een special de tendin\u0163a de cre\u015ftere a indicelui EURIBOR de la nivelul minimului s\u0103u istoric din prezent, dar \u015fi de impactul semnificativ pe care fluctua\u0163iile valutare \u00eel au asupra costurilor unui credit&#8221;, a comentat Ioana Mihai, \u015fefa departamentului de Credite Garantate din cadrul BCR.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BCR a decis s\u0103 acorde credite imobiliare garantate exclusiv \u00een lei \u015fi a lansat o ofert\u0103 nou\u0103 de \u00eemprumuturi \u00een lei pentru locuin\u0163\u0103 sau nevoi personale, cu scaden\u0163\u0103 maxim\u0103 de 30 de ani \u015fi dob\u00e2nd\u0103 fix\u0103 pe 5 ani, stabilit\u0103 \u00een func\u0163ie de raportul dintre suma creditului \u015fi valoarea garan\u0163iei.<\/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":[7267,5078,29645,27370,930,7631,9534,10266],"class_list":["post-58191","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-bcr","tag-credite-imobiliare","tag-dobanda-fixa","tag-euro","tag-imprumuturi","tag-lei","tag-valuta"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/58191","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=58191"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/58191\/revisions"}],"predecessor-version":[{"id":74333,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/58191\/revisions\/74333"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=58191"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=58191"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=58191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}