Indicele ROBOR la trei luni a continuat s\u0103 scad\u0103 vineri, ating\u00e2nd pragul de 6% pe an, \u00eentr-o tendin\u021b\u0103 descendent\u0103 care a cuprins \u0219i indicii la \u0219ase \u0219i dou\u0103sprezece luni, ace\u0219tia ajung\u00e2nd la 6,11%, respectiv 6,29%.<\/p>\n
De\u0219i aceste valori marcheaz\u0103 o u\u0219oar\u0103 relaxare fa\u021b\u0103 de \u0219edin\u021bele precedente, nivelul actual r\u0103m\u00e2ne peste cel de 5,92% \u00eenregistrat la \u00eenceputul anului trecut.<\/p>\n
Rom\u00e2nii pl\u0103tesc dob\u00e2nzi mai mari dec\u00e2t bulgarii sau slovenii<\/p>\n
\u00cen context european, rom\u00e2nii continu\u0103 s\u0103 pl\u0103teasc\u0103 dob\u00e2nzi semnificativ mai mari chiar \u0219i fa\u021b\u0103 de vecinii bulgari, unde costurile credit\u0103rii sunt sub 4%, sau fa\u021b\u0103 de Slovenia, unde acestea abia dep\u0103\u0219esc 3%.<\/p>\n
Aceast\u0103 diferen\u021b\u0103 major\u0103, care poate ad\u0103uga aproximativ 200 de euro la rata lunar\u0103 a unui credit de 100.000 de euro, este alimentat\u0103 de o dob\u00e2nd\u0103 de politic\u0103 monetar\u0103 a BNR de trei ori mai mare dec\u00e2t cea a B\u0103ncii Centrale Europene \u0219i de o infla\u021bie intern\u0103 de cinci ori mai ridicat\u0103 dec\u00e2t media Uniunii Europene.<\/p>\n
\u00cen ciuda acestor discrepan\u021be, m\u0103surile luate de BNR anul trecut prin reducerea succesiv\u0103 a dob\u00e2nzii cheie p\u00e2n\u0103 la 6,5% \u00eencep s\u0103 se reflecte \u00een indicii de pia\u021b\u0103.<\/p>\n
Pentru 400.000 de rom\u00e2ni ratele vor sc\u0103dea u\u0219or, \u00een 2026<\/p>\n
Pentru cei 400.000 de rom\u00e2ni ale c\u0103ror credite sunt raportate la IRCC, \u00eenceputul anului 2026 aduce o u\u0219oar\u0103 reducere a ratelor, indicele fiind fixat la 5,68% pe baza tranzac\u021biilor din trimestrul al treilea al anului trecut.<\/p>\n
Perspectivele pentru primele luni ale anului 2026 indic\u0103 o stabilitate a IRCC \u00een jurul valorii de 5,67%, \u00een timp ce dob\u00e2nzile fixe, care domin\u0103 pia\u021ba creditelor ipotecare noi, sunt estimate s\u0103 scad\u0103 spre o medie de 5,55%.<\/p>\n
De\u0219i dob\u00e2nda medie variabil\u0103, format\u0103 din IRCC \u0219i marja b\u0103ncii, r\u0103m\u00e2ne ridicat\u0103 la aproximativ 8,17%, aceasta reprezint\u0103 totu\u0219i una dintre cele mai sc\u0103zute valori din ultimii trei ani, suger\u00e2nd o corec\u021bie lent\u0103, dar constant\u0103, a costurilor de finan\u021bare \u00een Rom\u00e2nia.<\/p>","protected":false},"excerpt":{"rendered":"
Indicele ROBOR la trei luni a continuat s\u0103 scad\u0103 vineri, ating\u00e2nd pragul de 6% pe…<\/p>\n","protected":false},"author":0,"featured_media":58621,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-58620","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\/58620","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=58620"}],"version-history":[{"count":0,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts\/58620\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media\/58621"}],"wp:attachment":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media?parent=58620"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/categories?post=58620"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/tags?post=58620"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}