{"id":7042,"date":"2024-09-30T21:01:50","date_gmt":"2024-09-30T18:01:50","guid":{"rendered":"https:\/\/banulbotosanean.ro\/?p=7042"},"modified":"2024-12-13T10:07:54","modified_gmt":"2024-12-13T08:07:54","slug":"ratele-la-credite-cresc-din-nou-isarescu-si-bnr-cresc-ircc","status":"publish","type":"post","link":"https:\/\/banulbotosanean.ro\/index.php\/2024\/09\/30\/ratele-la-credite-cresc-din-nou-isarescu-si-bnr-cresc-ircc\/","title":{"rendered":"Ratele la credite cresc din nou. Is\u0103rescu \u0219i BNR cresc IRCC"},"content":{"rendered":"<p>\u00cencep\u00e2nd cu 1 octombrie 2024, Banca Na\u021bional\u0103 a Rom\u00e2niei (BNR) a stabilit noul nivel al Indicelui de Referin\u021b\u0103 pentru Creditele Consumatorilor (IRCC) la 5,99%. Aceast\u0103 schimbare va afecta direct ratele a peste 405.000 de credite, cu un sold total de 57,75 miliarde lei.<\/p>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6537404086747425\" crossorigin=\"anonymous\"><\/script><br \/>\n<!-- iulie 2024 --><br \/>\n<ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-6537404086747425\" data-ad-slot=\"3549167380\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<p>Cum te afecteaz\u0103 aceast\u0103 cre\u0219tere?<\/p>\n<p>Pentru un credit ipotecar de 300.000 de lei pe 30 de ani, noul IRCC va ad\u0103uga aproximativ 4-5 lei la rata lunar\u0103. De\u0219i suma poate p\u0103rea mic\u0103, impactul cumulativ al cre\u0219terilor succesive nu este de neglijat. De exemplu, rata unui credit ipotecar legat de IRCC a crescut de la 1.418 lei \u00een primul trimestru din 2022 la 2.304 lei \u00een octombrie 2024. Aceasta reprezint\u0103 o cre\u0219tere de aproape 1.000 de lei, o povar\u0103 semnificativ\u0103 \u00een contextul infla\u021biei ridicate.<\/p>\n<p>Ce \u00eenseamn\u0103 acest lucru pentru viitor?<\/p>\n<p>Ratele la creditele ipotecare legate de IRCC se \u00eentorc la nivelurile din primul trimestru al anului 2024, c\u00e2nd IRCC era de 5,97%. Acum, cu un IRCC de 5,99%, jum\u0103tate din totalul creditelor ipotecare vor fi afectate, restul fiind credite cu dob\u00e2nd\u0103 fix\u0103 sau variabil\u0103 legat\u0103 de ROBOR, care este \u00een prezent mai mic dec\u00e2t IRCC.<\/p>\n<p>Ce po\u021bi face?<\/p>\n<p>Este important s\u0103 fii informat \u0219i s\u0103 \u00ee\u021bi gestionezi bugetul cu aten\u021bie. Dac\u0103 ai un credit legat de IRCC, ia \u00een considerare refinan\u021barea sau discutarea op\u021biunilor cu banca ta pentru a g\u0103si cea mai bun\u0103 solu\u021bie pentru tine.<\/p>\n<p>Pentru mai multe detalii \u0219i sfaturi, urm\u0103re\u0219te-ne pe pagina noastr\u0103 \u0219i r\u0103m\u00e2i la curent cu toate nout\u0103\u021bile financiare!<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cencep\u00e2nd cu 1 octombrie 2024, Banca Na\u021bional\u0103 a Rom\u00e2niei (BNR) a stabilit noul nivel al Indicelui de Referin\u021b\u0103 pentru Creditele Consumatorilor (IRCC) la 5,99%. Aceast\u0103 schimbare va afecta direct ratele a peste 405.000 de credite, cu un sold total de 57,75 miliarde lei. Cum te afecteaz\u0103 aceast\u0103 cre\u0219tere? Pentru un credit ipotecar de 300.000 de<\/p>\n","protected":false},"author":1,"featured_media":7043,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,4],"tags":[696,697],"class_list":["post-7042","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economic","category-stiri-botosani","tag-ratele-la-credite-cresc-din-nou-vezi-ce-inseamna-noul-ircc-pentru-tine","tag-ratele-la-credite-cresc-din-nou-isarescu-si-bnr-cresc-ircc"],"_links":{"self":[{"href":"https:\/\/banulbotosanean.ro\/index.php\/wp-json\/wp\/v2\/posts\/7042","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/banulbotosanean.ro\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/banulbotosanean.ro\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/banulbotosanean.ro\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/banulbotosanean.ro\/index.php\/wp-json\/wp\/v2\/comments?post=7042"}],"version-history":[{"count":3,"href":"https:\/\/banulbotosanean.ro\/index.php\/wp-json\/wp\/v2\/posts\/7042\/revisions"}],"predecessor-version":[{"id":7046,"href":"https:\/\/banulbotosanean.ro\/index.php\/wp-json\/wp\/v2\/posts\/7042\/revisions\/7046"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/banulbotosanean.ro\/index.php\/wp-json\/wp\/v2\/media\/7043"}],"wp:attachment":[{"href":"https:\/\/banulbotosanean.ro\/index.php\/wp-json\/wp\/v2\/media?parent=7042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/banulbotosanean.ro\/index.php\/wp-json\/wp\/v2\/categories?post=7042"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/banulbotosanean.ro\/index.php\/wp-json\/wp\/v2\/tags?post=7042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}