{"id":9971,"date":"2008-02-26T14:55:57","date_gmt":"2008-02-26T14:55:57","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=9971"},"modified":"2026-04-02T11:20:12","modified_gmt":"2026-04-02T11:20:12","slug":"bancile-lungesc-anul-ca-sa-si-umfle-dobanzile-la-credite","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=9971","title":{"rendered":"Bancile lungesc anul ca sa-si umfle dobanzile la credite"},"content":{"rendered":"<p>Foamea de credite a romanilor e exploatata din plin de banci. Acestea, pentru a mai ciupi cativa lei din dobanzi si comisioane, au ajuns sa lucreze cu un calendar propriu, diferit de cel gregorian. Astfel, pentru unele banci, anul are un numar diferit de zile, in functie de operatiunea pe care o executa institutia. <\/p>\n<p>Cand e vorba de calculat dobanda la credite, aceasta se percepe pentru 365 de zile. In schimb, dobanda la depozite se acorda doar pentru 360 de zile, adica cat are, in teorie, anul bancar. Din pacate, banci precum Unicredit Tiriac, CEC, Banca Romaneasca sau Banc Post se raporteaza la un an de 360 de zile, dat te obliga sa platesti dobanda pentru &bdquo;anul lung&rdquo; de 365 sau chiar 366 de zile. <\/p>\n<p><a href=\"http:\/\/www.gandul.info\/supliment-banii\/bancile-lungesc-anul-ca-sa-si-umfle-dobanzile-la-credite.html?6448;2414762\">Click aici<\/a> pentru a citi continuarea <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Multe banci calculeaza dobanda anuala la credite pentru 365 sau 366 de zile, dar acorda dobanda la depozite doar pentru 360 de zile dintr-un an. Sfatul BNR: \u201eAtentie ce semnati!\u201d<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7344],"tags":[7267,485,439,187,7457],"class_list":["post-9971","post","type-post","status-publish","format-standard","hentry","category-gandul","tag-banci","tag-credite","tag-depozite","tag-dobanzi","tag-servicii-financiare"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/9971","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=9971"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/9971\/revisions"}],"predecessor-version":[{"id":31017,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/9971\/revisions\/31017"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9971"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=9971"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=9971"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}