{"id":42053,"date":"2025-03-24T10:45:06","date_gmt":"2025-03-24T10:45:06","guid":{"rendered":"https:\/\/247stiri.ro\/index.php\/2025\/03\/24\/indicele-robor-la-trei-luni-in-scadere-a-ajuns-la-591-pe-an-ce-se-intampla-cu-ratele-la-credite\/"},"modified":"2025-03-24T10:45:06","modified_gmt":"2025-03-24T10:45:06","slug":"indicele-robor-la-trei-luni-in-scadere-a-ajuns-la-591-pe-an-ce-se-intampla-cu-ratele-la-credite","status":"publish","type":"post","link":"https:\/\/247stiri.ro\/index.php\/2025\/03\/24\/indicele-robor-la-trei-luni-in-scadere-a-ajuns-la-591-pe-an-ce-se-intampla-cu-ratele-la-credite\/","title":{"rendered":"Indicele ROBOR la trei luni,  \u00een sc\u0103dere. A ajuns la 5,91% pe an. Ce se \u00eent\u00e2mpl\u0103 cu ratele la credite"},"content":{"rendered":"<p>La \u00eenceputul anului trecut, indicele era de 6,21%.Indicele la \u0219ase luni, utilizat \u00een calculul dob\u00e2nzilor la creditele ipotecare \u00een lei cu dob\u00e2nd\u0103 variabil\u0103, a stagnat la 5,99% pe an, iar ROBOR la 12 luni a r\u0103mas la nivelul de 6,07%.\u00cen ceea ce prive\u0219te indicele de referin\u021b\u0103 pentru creditele consumatorilor (IRCC), reglementat de OUG 19\/2019, acesta este de 5,66% pe an, fiind calculat ca medie aritmetic\u0103 a ratelor de dob\u00e2nd\u0103 zilnice ale tranzac\u021biilor interbancare din trimestrul III 2024, \u00een sc\u0103dere fa\u021b\u0103 de cel din trimestrul anterior, de 5,99%.\u00cen luna mai 2019 a intrat \u00een vigoare OUG 19\/2019 care modific\u0103 modul \u00een care este calculat\u0103 rata pentru creditele \u00een lei cu dob\u00e2nda variabil\u0103. Astfel, actul normativ a stabilit indicele de referin\u021b\u0103 pentru creditele consumatorilor (IRCC), calculat trimestrial exclusiv pe baza tranzac\u021biilor interbancare.\u00a0\u00a0<\/p>","protected":false},"excerpt":{"rendered":"<p>La \u00eenceputul anului trecut, indicele era de 6,21%.Indicele la \u0219ase luni, utilizat \u00een calculul dob\u00e2nzilor&hellip;<\/p>\n","protected":false},"author":0,"featured_media":42054,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-42053","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actual"],"_links":{"self":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts\/42053","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/comments?post=42053"}],"version-history":[{"count":0,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts\/42053\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media\/42054"}],"wp:attachment":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media?parent=42053"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/categories?post=42053"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/tags?post=42053"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}