{"id":79939,"date":"2013-03-25T15:34:56","date_gmt":"2013-03-25T15:34:56","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=79939"},"modified":"2026-04-03T11:29:04","modified_gmt":"2026-04-03T11:29:04","slug":"un-cipriot-plateste-mai-mult-pentru-un-credit-ipotecar-decat-orice-alt-cetatean-din-zona-euro","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=79939","title":{"rendered":"Un cipriot pl\u0103te\u015fte mai mult pentru un credit ipotecar dec\u00e2t orice alt cet\u0103\u0163ean din zona euro"},"content":{"rendered":"<p>\nUnul din argumentele vehiculate pentru legitimarea taxei pe depozitele constituite la b\u0103ncile din Cipru este c\u0103 ciprio\u0163ii primesc bani buni pentru aceste economii. Dob\u00e2nda medie la depozite de p\u00e2n\u0103 la doi ani este de 4,5%, fa\u0163\u0103 de media de 2,7% \u00een zona euro. Dar dob\u00e2nda medie anual\u0103 pentru un credit ipotecar este de aproximativ 5%, mult peste nivelul mediu din uniunea monetar\u0103. Mul\u0163i ciprio\u0163i nu au alt\u0103 surs\u0103 de finan\u0163are pentru achizi\u0163ia unei locuin\u0163e dec\u00e2t creditele bancare, scrie The Wall Street Journal. \u00cen zona euro, dob\u00e2nda medie anual\u0103 la creditele ipotecare este de aproximativ 3%. B\u0103ncile cipriote profit\u0103 de faptul c\u0103 majoritatea gospod\u0103riilor nu dispun de alt\u0103 surs\u0103 de finan\u0163are \u00een cazul \u00een care vor s\u0103 achizi\u0163ioneze o locuin\u0163\u0103. Aproximativ dou\u0103 treimi din gospod\u0103riile cipriote au datorii la institu\u0163iile de credit \u015fi aproape jum\u0103tate din popula\u0163ie are un credit ipotecar, potrivit datelor b\u0103ncii centrale a Ciprului. Pentru cet\u0103\u0163enii care au depozite, dar \u015fi credite la institu\u0163iile financiare, cel mai mult conteaz\u0103 diferen\u0163a dintre cele dou\u0103 rate, nu doar rata de dob\u00e2nd\u0103 aferent\u0103 sumelor economisite.<\/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>Unul din argumentele vehiculate pentru legitimarea taxei pe depozitele constituite la b\u0103ncile din Cipru este c\u0103 ciprio\u0163ii primesc bani buni pentru aceste economii. <\/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":[32932,33063,8753,439],"class_list":["post-79939","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci-cipriote","tag-cipriot","tag-credit-ipotecar","tag-depozite"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/79939","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=79939"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/79939\/revisions"}],"predecessor-version":[{"id":93092,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/79939\/revisions\/93092"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=79939"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=79939"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=79939"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}