{"id":6696,"date":"2016-01-26T10:38:32","date_gmt":"2016-01-26T07:38:32","guid":{"rendered":"http:\/\/realitatearutiera.ro\/?p=6696"},"modified":"2016-01-26T10:38:32","modified_gmt":"2016-01-26T07:38:32","slug":"bancnota-romaneasca-a-scazut-drastic","status":"publish","type":"post","link":"https:\/\/realitatearutiera.ro\/?p=6696","title":{"rendered":"Bancnota romaneasca a scazut drastic !!"},"content":{"rendered":"<p><strong><span style=\"color: #0f0f0f; font-family: Arial; font-size: small;\">Do\u00adb\u00e2nda Robor cu scaden\u0163a la trei luni a atins ieri un nou minim istoric de 0,90% pe an.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p><\/span><\/strong>Dob\u00e2nda Robor cu scaden\u0163a la trei luni, \u00een func\u00ad\u0163ie de care b\u0103ncile stabilesc rata dob\u00e2nzii pen\u00adtru un credit \u00een lei cu dob\u00e2nda variabil\u0103, \u015fi-a con\u00adtinuat tendin\u0163a descendent\u0103 \u015fi ieri \u015fi a atins mini\u00admul istoric de 0,90% pe an, \u00een sc\u0103\u00adde\u00adre cu 2% fa\u0163\u0103 de nivelul s\u0103pt\u0103\u00adm\u00e2nii trecute.<\/p>\n<p>Costul leilor s-a pozi\u0163ionat \u00een ultima pe\u00adrioa\u00add\u0103 de timp pe o pant\u0103 descendent\u0103 ca ur\u00admare a sur\u00adplusului de lichiditate existent pe pia\u00ad\u0163\u0103, ceea ce a \u00eempins la minime istorice \u015fi do\u00adb\u00e2nzile Robor cu scaden\u0163a mai mare. Astfel, do\u00adb\u00e2n\u00adda Robor cu scaden\u0163a la \u015fase luni a atins ieri minimul istoric de 1,24% pe an. \u015ei dob\u00e2n\u00adzile Robor cu sca\u00adden\u0163a la nou\u0103 luni \u015fi 12 luni afi\u00ad\u015fau un nivel de 1,32% pe an, respectiv 1,37% pe an. \u00cens\u0103 c\u00e2nd vor putea rom\u00e2nii s\u0103 simt\u0103 \u00een pro\u00adpriile buzunare de\u00adclinul indi\u00adcatorului Robor \u015fi implicit s\u0103 pl\u0103teasc\u0103 rate mai mici la credite?<\/p>\n<p>\u00cen luna martie b\u0103ncile \u00ee\u015fi vor actualiza dob\u00e2n\u00adzile variabile (o marj\u0103 de dob\u00e2nd\u0103 fix\u0103 aplicat\u0103 de banc\u0103 plus nivelul indicatorului Robor) la creditele \u00een moned\u0103 na\u0163ional\u0103, astfel c\u0103 este posibil ca rom\u00e2nii s\u0103 pl\u0103teasc\u0103 de atunci rate mai mici. Ajustarea ratelor este o opera\u00ad\u0163iu\u00adne realizat\u0103 trimestrial de b\u0103nci.<\/p>\n<p>Anali\u015ftii consider\u0103 c\u0103 dob\u00e2nda Robor va sc\u0103dea \u00een prima jum\u0103tate a acestui an chiar \u015fi p\u00e2n\u0103 la 0,5-0,7% \u00een contextul \u00een care econo\u00admia local\u0103 va experimenta \u00een acest interval de timp infla\u0163ie negativ\u0103, iar ulterior, din a doua parte a anului, dob\u00e2nda Robor ar putea s\u0103 urce \u015fi s\u0103 \u00eencheie anul chiar la nivelul de 1,4% pe an, pe fondul normaliz\u0103rii situa\u0163iei din pia\u0163a mo\u00adnetar\u0103, consider\u0103 anali\u015ftii.<\/p>\n<p>Dar \u015fi infla\u0163ia ar putea s\u0103 reintre pe un trend pozitiv din a doua parte a anului, mai spun anali\u015ftii.<\/p>\n<p>La nivelul actual al dob\u00e2nzilor la credite \u00een lei (\u00een unele cazuri la minime istorice) orice fluctua\u0163ie a indicatorului Robor se resimte \u00een costul creditului.<\/p>\n<p>Indicatorul Robor cu scaden\u0163a la trei luni s-a diminuat fa\u0163\u0103 de aceea\u015fi perioad\u0103 a anului trecut cu 0,7 puncte procentuale ceea ce \u00eenseamn\u0103 c\u0103 rom\u00e2nii pl\u0103tesc mai pu\u0163in pentru rate lunare. Sc\u0103derea pe care costul leilor a avut-o \u00een ultimele 12 luni \u00eenseamn\u0103 practic o reducere a unei rate lunare la un credit imobiliar (lu\u00e2nd \u00een calcul o marj\u0103 de credit de 2,5%) de 200.000 de lei acordat pe o perioad\u0103 de 30 de ani de 80 de lei. Astfel, rata lunar\u0103 s-a diminuat de la 966 de lei la 886 de lei.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do\u00adb\u00e2nda Robor cu scaden\u0163a la trei luni a atins ieri un nou minim istoric de 0,90% pe an.\u00a0 Dob\u00e2nda Robor<\/p>\n","protected":false},"author":1,"featured_media":6697,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":""},"categories":[11],"tags":[],"class_list":["post-6696","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri-interne"],"jetpack_featured_media_url":"https:\/\/i1.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2016\/01\/bani.jpg?fit=400%2C293&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p61naM-1K0","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/6696","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=6696"}],"version-history":[{"count":1,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/6696\/revisions"}],"predecessor-version":[{"id":6698,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/6696\/revisions\/6698"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/media\/6697"}],"wp:attachment":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6696"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6696"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6696"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}