{"id":65226,"date":"2022-07-28T10:34:38","date_gmt":"2022-07-28T07:34:38","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?post_type=guides&p=65226"},"modified":"2024-08-30T16:08:47","modified_gmt":"2024-08-30T13:08:47","slug":"ce-poti-face-in-contextul-cresterii-dobanzilor-este-refinatarea-o-solutie","status":"publish","type":"guides","link":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-poti-face-in-contextul-cresterii-dobanzilor-este-refinatarea-o-solutie\/","title":{"rendered":"Ce po\u021bi face \u00een contextul cre\u0219terii dob\u00e2nzilor? Este refina\u021barea o solu\u021bie?"},"content":{"rendered":"

\"\"<\/h2>\n

Ce presupune refinan\u021barea unui credit?<\/b><\/h2>\n

Refinan\u021barea unui \u00eemprumut \u00ee\u021bi permite s\u0103 \u00eenlocuie\u0219ti creditul imobiliar actual (sau cel de nevoi personale) cu un altul, care are condi\u021bii mai favorabile. Prin acest proces, vei contracta un nou credit pentru a achita datoria existent\u0103, iar termenii vechiului \u00eemprumut vor fi \u00eenlocui\u021bi cu unii noi. Majoritatea creditorilor care ofer\u0103 \u00eemprumuturi imobiliare ofer\u0103 \u0219i op\u021biuni de refinan\u021bare.<\/span><\/p>\n

Motivul principal pentru care se opteaz\u0103 pentru o astfel de variant\u0103 este ob\u021binerea unui credit c\u00e2t mai accesibil. De multe ori, o refinan\u021bare poate reduce rata dob\u00e2nzii. De exemplu, un proprietar cu un credit pe 30 de ani ar pl\u0103ti probabil o rat\u0103 a dob\u00e2nzii variabile \u00eentre 5% \u0219i 7%. Proprietarul poate opta pentru reducerea ratei dob\u00e2nzii prin refinan\u021barea \u00eemprumutului, economisind sute de lei pe lun\u0103.<\/span><\/p>\n

De asemenea, mai po\u021bi opta pentru aceast\u0103 op\u021biune pentru a achita creditul mai repede. De\u0219i termenele mai lungi permit o plat\u0103 lunar\u0103 mai mic\u0103, acestea implic\u0103 un cost total mai mare din cauza acumul\u0103rii dob\u00e2nzii pe o perioad\u0103 mai lung\u0103 de timp. Cu toate acestea, unele \u00eemprumuturi, precum creditele de nevoi personale, vor veni cu penalit\u0103\u021bi de rambursare anticipat\u0103. Dac\u0103 dispui de numerarul disponibil pentru a face o plat\u0103 mai mare \u00een fiecare lun\u0103, un termen mai scurt poate economisi mul\u021bi bani la ratele dob\u00e2nzilor. Pentru a afla c\u00e2t po\u021bi economisi prin refinan\u021bare folose\u0219te <\/span>instrumentul Imobiliare.ro Finance<\/span><\/a>. <\/span><\/p>\n

Care sunt pa\u0219ii pentru a refinan\u021ba un credit?<\/b><\/h2>\n

Pentru \u00eenceput, va fi necesar s\u0103 parcurgi clauzele contractului actual pentru a putea vedea valoarea pe care o pl\u0103te\u0219ti \u00een momentul de fa\u021b\u0103. De asemenea, ar trebui s\u0103 verifici dac\u0103 exist\u0103 penalit\u0103\u021bi de plat\u0103 anticipat\u0103 pentru \u00eemprumutul curent. \u00cen acest caz, valoarea refinan\u021b\u0103rii ar putea dep\u0103\u0219i costul de reziliere anticipat\u0103.<\/span><\/p>\n

Po\u021bi opta pentru o refinan\u021bare la aceea\u0219i banc\u0103, aceasta fiind solu\u021bia cea mai la \u00eendem\u00e2n\u0103 sau la o alt\u0103 banc\u0103. Indiferent de scenariu, procesul este foarte simplu. Astfel, \u00ee\u021bi va fi accesat un nou credit, \u00een func\u021bie de perioada dorit\u0103 \u0219i noua dob\u00e2nd\u0103, creditul anterior fiind \u00eenchis.  Cu toate acestea, trebuie s\u0103 \u021bii cont c\u0103 scorul FICO poate fi influen\u021bat \u00een func\u021bie de suma acordata sau perioada aleas\u0103.<\/span><\/p>\n

Indiferent dac\u0103 dore\u0219ti s\u0103 modifici durata creditului sau s\u0103 reduci rata dob\u00e2nzii, po\u021bi apela cu \u00eencredere la <\/span>consultan\u021ba unui broker de credite<\/span><\/a>. Cu ajutorul unui astfel de specialist, vei putea g\u0103si solu\u021bia de refinan\u021bare ideal\u0103 pentru obiectivele tale financiare.<\/span><\/p>\n

Ce reprezint\u0103 indicele ROBOR \u0219i IRCC?<\/b><\/h2>\n

Indicele ROBOR, calculat zilnic de c\u0103tre BNR reprezint\u0103 o medie a ratelor dob\u00e2nzilor oferite de c\u0103tre finan\u021batori. Acesta poate fi influen\u021bat de mai mul\u021bi factori, cel mai important fiind infla\u021bia. A\u0219adar, acest indice afecteaz\u0103 creditele \u00een lei. <\/span><\/p>\n

Pe de alt\u0103 parte, indicele IRCC se refer\u0103 la creditele cu dob\u00e2nd\u0103 variabil\u0103 realizate de c\u0103tre persoanele fizice. Diferen\u021ba dintre cei doi indici const\u0103 \u00een faptul c\u0103 ROBOR este direct propor\u021biomal de ratele dob\u00e2nzilor oferite de c\u0103tre finan\u021batori, pe c\u00e2nd indicele IRCC trimestrial este rezultatul dintre media aritmetic\u0103 a ratelor dob\u00e2nzilor zilnice \u0219i volumul tranzac\u021biilor de pe pia\u021ba monetar\u0103 interbancar\u0103. \u00cen momentul de fa\u021b\u0103, IRCC se men\u021bine la o valoare mult mai mic\u0103, spre deosebire de ROBOR.  Cu toate acestea, este important s\u0103 iei \u00een considerare faptul c\u0103 evolu\u021bia celor doi indici IRCC \u0219i ROBOR este corelat\u0103, \u00eens\u0103 \u00een cazul IRCC apare o \u00eent\u00e2rziere de p\u00e2n\u0103 la 6 luni, ceea ce poate duce la diferen\u021be mai mari.<\/span><\/p>\n

\u00cen cazul \u00een care nu ai contractat \u00eenc\u0103 un credit, \u00eens\u0103 dore\u0219ti s\u0103 simulezi un scenariu de credit standard, folose\u0219te <\/span>instrumentul Imobiliare.ro Finance<\/span><\/a>.<\/span><\/p>\n

Cum po\u021bi calcula suma pe care o po\u021bi refinan\u021ba?<\/b> <\/span><\/h2>\n

Pentru un face un astfel de calcul, folose\u0219te <\/span>calculatorul de refinan\u021bare<\/span><\/a>, prin care po\u021bi afla c\u00e2t po\u021bi economisi prin refinan\u021bare. Tot ce trebuie s\u0103 faci este s\u0103 introduci soldul creditului t\u0103u, perioada r\u0103mas\u0103 \u0219i rata lunar\u0103 a creditului t\u0103u existent. <\/span><\/p>\n","protected":false},"featured_media":0,"template":"","guides_category":[],"class_list":["post-65226","guides","type-guides","status-publish","hentry"],"yoast_head":"\nCe po\u021bi face \u00een contextul cre\u0219terii dob\u00e2nzilor? Este refina\u021barea o solu\u021bie? - ImoExpert<\/title>\n<meta name=\"description\" content=\"Refinan\u021barea unui \u00eemprumut \u00ee\u021bi permite s\u0103 \u00eenlocuie\u0219ti creditul imobiliar actual (sau cel de nevoi personale) cu un altul, care are condi\u021bii mai favorabile. 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