{"id":77544,"date":"2013-01-31T13:02:59","date_gmt":"2013-01-31T13:02:59","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=77544"},"modified":"2026-04-03T10:29:11","modified_gmt":"2026-04-03T10:29:11","slug":"ipotecarul-in-lei-se-misca-greu-doar-2-000-de-credite-vandute-intr-un-an-bancherii-raman-sceptici","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=77544","title":{"rendered":"Ipotecarul \u00een lei se mi\u015fc\u0103 greu: doar 2.000 de credite v\u00e2ndute \u00eentr-un an. Bancherii r\u0103m\u00e2n sceptici"},"content":{"rendered":"<p>\nSoldul creditelor ipotecare \u00een lei s-a majorat cu 20% anul trecut \u015fi a ajuns la 1,82 mld. lei (echivalentul a 400 mil. euro) la sf\u00e2r\u00ad\u015fitul lunii decembrie, avansul fiind de 2,5 ori peste cel \u00eenregistrat de \u00eemprumuturile \u00een valut\u0103, conform datelor BNR. Ca valoare nominal\u0103, creditele \u00een valut\u0103 con\u00adtinu\u0103 totu\u015fi s\u0103 reprezinte grosul v\u00e2nz\u0103rilor de ipotecare datorit\u0103 dob\u00e2nzilor mai atractive. Creditele \u00een lei pentru achizi\u0163ia de locuin\u0163e au fost ocolite mult timp de c\u0103tre clien\u0163i din cauza dob\u00e2nzilor foarte mari, devenind abia recent o alternativ\u0103 de finan\u00ad\u0163are, ca urmare a sc\u0103derii costurilor percepu\u00adte de b\u0103nci \u015fi a volatilit\u0103\u0163ii accentuate a cursului de schimb. Determinant\u0103 pentru accelerarea v\u00e2nz\u0103rilor de credite imobiliare \u00een lei a fost \u00eens\u0103 lipsa resurselor \u00een valut\u0103 ale b\u0103ncilor. &#8220;Accesul la resurse \u00een valut\u0103 nu mai este cel din perioadele de \u00abboom\u00bb. Acestea sunt mai dificil de procurat \u015fi poate sunt \u015fi mai scumpe, fiecare banc\u0103 av\u00e2nd strategia proprie \u00een privin\u0163a gestion\u0103rii profitabilit\u0103\u0163ii finan\u0163\u0103rilor \u00een valut\u0103. Este adev\u0103rat c\u0103 pentru moment creditul \u00een valut\u0103 pare mai accesibil din punctul de vedere al efortului lunar de plat\u0103, f\u0103r\u0103 a lua \u00een calcul eventuale modifi\u00adc\u0103ri viitoare ale unor variablie, precum dob\u00e2nda de referin\u0163\u0103 Euribor \u015fi cursul valutar&#8221;, afirm\u0103 Adrian Jantea, director de promovare \u015fi distribu\u0163ie persoane fizice BRD.<\/p>\n<p>\n<a href=\"http:\/\/zf.ro\" target=\"_blank\">Toate stirile sunt pe zf.ro<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Unu din zece credite ipotecare v\u00e2ndute anul trecut a fost \u00een lei, dublu fa\u0163\u0103 de trecut, determinant\u0103 pentru aceast\u0103 mi\u015fcare fiind lipsa resurselor \u00een valut\u0103 din sistemul bancar.<\/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":[25387,4124,8753,485,8337,27259,9534,31502],"class_list":["post-77544","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-adrian-jantea","tag-bancheri","tag-credit-ipotecar","tag-credite","tag-evolutie","tag-gabriel-cretu","tag-lei","tag-scepticism"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/77544","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=77544"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/77544\/revisions"}],"predecessor-version":[{"id":90874,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/77544\/revisions\/90874"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=77544"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=77544"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=77544"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}