{"id":28993,"date":"2017-11-07T09:38:26","date_gmt":"2017-11-07T07:38:26","guid":{"rendered":"http:\/\/realitatearutiera.ro\/?p=28993"},"modified":"2017-11-07T09:38:26","modified_gmt":"2017-11-07T07:38:26","slug":"te-gandesti-sa-iei-un-credit-in-anul-2018-se-schimba-regulile","status":"publish","type":"post","link":"https:\/\/realitatearutiera.ro\/?p=28993","title":{"rendered":"Te g\u00e2nde\u0219ti s\u0103 iei un credit \u00een anul 2018? Se schimb\u0103 regulile"},"content":{"rendered":"<p>\u00cemprumuturile bancare se vor scumpi \u00eencep\u00e2nd de anul viitor, nu doar ca urmare a cre\u015fterii ROBOR, ci \u015fi ca o consecin\u0163\u0103 a implement\u0103rii Regulamentului european IFRS 9.\u00a0Acesta prevede recunoa\u0219terea timpurie a pierderilor din creditare, ceea ce presupune major\u0103ri de costuri opera\u0163ionale pentru b\u0103nci, care, \u00een final, se vor traduce at\u00e2t prin sc\u0103derea profiturilor institu\u0163iilor de credit, c\u00e2t \u015fi printr-o cre\u015ftere a costurilor creditelor, potrivit\u00a0<a href=\"http:\/\/jurnalul.ro\/bani-afaceri\/economia\/creditele-se-vor-scumpi-si-se-vor-lua-mai-greu-756693.html\" target=\"_blank\" rel=\"noopener noreferrer\">jurnalul.ro<\/a>.Regulamentul european se va aplica at\u00e2t pentru creditele noi, c\u00e2t \u015fi pentru cele vechi. B\u0103ncile vor fi nevoite s\u0103 calculeze probabilitatea de pierdere \u015fi s\u0103 provizioneze \u015fi creditele noi pentru o perioad\u0103 de 12 luni. Tot pe 12 luni vor fi provizionate \u015fi creditele vechi care nu au avut probleme.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cemprumuturile bancare se vor scumpi \u00eencep\u00e2nd de anul viitor, nu doar ca urmare a cre\u015fterii ROBOR, ci \u015fi ca o<\/p>\n","protected":false},"author":1,"featured_media":17348,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":""},"categories":[6],"tags":[],"class_list":["post-28993","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social"],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2017\/01\/bani-straini.jpg?fit=1600%2C900&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p61naM-7xD","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/28993","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=28993"}],"version-history":[{"count":1,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/28993\/revisions"}],"predecessor-version":[{"id":28994,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/28993\/revisions\/28994"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/media\/17348"}],"wp:attachment":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=28993"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28993"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28993"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}