{"id":59064,"date":"2026-01-19T07:45:00","date_gmt":"2026-01-19T07:45:00","guid":{"rendered":"https:\/\/247stiri.ro\/index.php\/2026\/01\/19\/sedinta-cruciala-pentru-ratele-romanilor-ce-decizie-urmeaza-sa-ia-azi-banca-nationala\/"},"modified":"2026-01-19T07:45:00","modified_gmt":"2026-01-19T07:45:00","slug":"sedinta-cruciala-pentru-ratele-romanilor-ce-decizie-urmeaza-sa-ia-azi-banca-nationala","status":"publish","type":"post","link":"https:\/\/247stiri.ro\/index.php\/2026\/01\/19\/sedinta-cruciala-pentru-ratele-romanilor-ce-decizie-urmeaza-sa-ia-azi-banca-nationala\/","title":{"rendered":"\u0218edin\u021b\u0103 crucial\u0103 pentru ratele rom\u00e2nilor. Ce decizie urmeaz\u0103 s\u0103 ia azi Banca Na\u021bional\u0103"},"content":{"rendered":"<p>Anali\u0219tii financiari se a\u0219teapt\u0103 ca institu\u021bia s\u0103 men\u021bin\u0103 dob\u00e2nda de politic\u0103 monetar\u0103 la peste 6%, \u00een condi\u021biile \u00een care infla\u021bia r\u0103m\u00e2ne ridicat\u0103 \u0219i a dep\u0103\u0219it prognozele oficiale, potrivit Realitatea Plus. O eventual\u0103 reducere este considerat\u0103 improbabil\u0103 \u00een acest moment, av\u00e2nd \u00een vedere presiunile persistente asupra pre\u021burilor.<\/p>\n<p>Dob\u00e2nda-cheie influen\u021beaz\u0103 evolu\u021bia indicilor de referin\u021b\u0103 folosi\u021bi la calcularea ratelor bancare. \u00cen prezent, ROBOR la trei luni stagneaz\u0103 la 6%, \u00een timp ce IRCC a cobor\u00e2t sub 6%, \u00eens\u0103 sc\u0103derea nu s-a reflectat \u00eenc\u0103 \u00een mod semnificativ \u00een ratele lunare.<\/p>\n<p>Pentru un credit de 250.000 de lei contractat pe o perioad\u0103 de 30 de ani, rata lunar\u0103 dep\u0103\u0219e\u0219te \u00een continuare 2.000 de lei, ceea ce pune presiune pe bugetele familiilor.<\/p>\n<p>Decizia BNR este a\u0219teptat\u0103 cu interes at\u00e2t de economi\u0219ti, c\u00e2t \u0219i de debitori, \u00eentr-un context economic marcat de infla\u021bie ridicat\u0103, consum temperat \u0219i incertitudini externe.<\/p>","protected":false},"excerpt":{"rendered":"<p>Anali\u0219tii financiari se a\u0219teapt\u0103 ca institu\u021bia s\u0103 men\u021bin\u0103 dob\u00e2nda de politic\u0103 monetar\u0103 la peste 6%,&hellip;<\/p>\n","protected":false},"author":0,"featured_media":59065,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-59064","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\/59064","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=59064"}],"version-history":[{"count":0,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts\/59064\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media\/59065"}],"wp:attachment":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media?parent=59064"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/categories?post=59064"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/tags?post=59064"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}