{"id":24074,"date":"2013-03-11T16:12:01","date_gmt":"2013-03-11T14:12:01","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=24074_db\/"},"modified":"2013-03-11T16:12:01","modified_gmt":"2013-03-11T14:12:01","slug":"cand-sunt-dispusi-romanii-sa-se-imprumute-in-lei-cand-au-dobanzi-mici-si-fixe","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/cand-sunt-dispusi-romanii-sa-se-imprumute-in-lei-cand-au-dobanzi-mici-si-fixe_db\/","title":{"rendered":"C\u00e2nd sunt dispu\u015fi rom\u00e2nii s\u0103 se \u00eemprumute \u00een lei: c\u00e2nd au dob\u00e2nzi mici \u015fi fixe"},"content":{"rendered":"<p><a class=\"article-body-links\"href=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2013\/03\/credite-in-lei.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2013\/03\/credite-in-lei-300x206.jpg\" alt=\"\" title=\"http:\/\/www.dreamstime.com\/-image20505658\" width=\"300\" height=\"206\" class=\"alignleft size-medium wp-image-24075\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/03\/credite-in-lei-300x206.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/03\/credite-in-lei-1024x705.jpg 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/03\/credite-in-lei-768x529.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/03\/credite-in-lei-1536x1057.jpg 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/03\/credite-in-lei-2048x1410.jpg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><strong>Potrivit datelor b\u0103ncilor pentru locuin\u0163e, solicit\u0103rile de credite \u00een moneda na\u0163ional\u0103 sunt \u00een cre\u015ftere.<\/strong> <\/p>\n<p>\u00cen ciuda recomand\u0103rilor B\u0103ncii Na\u0163ionale a Rom\u00e2niei (BNR) ca rom\u00e2nii s\u0103 se orienteze spre moneda na\u0163ional\u0103 la contractarea unor <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/category\/ghiduri\/credite\/\">credite<\/a>, faptul c\u0103 dob\u00e2nzile practicate de c\u0103tre b\u0103nci sunt sensibil mai ridicate comparativ cu produsele \u00een euro face \u00eemprumuturile \u00een lei s\u0103 nu fie (\u00eenc\u0103) foarte populare. Excep\u0163ie fac doar acele produse cu dob\u00e2nzi competitive cu cele \u00een valut\u0103. Un exemplu \u00een acest sens este dat de creditele \u00een moneda na\u0163ional\u0103 oferite de b\u0103ncile pentru locuin\u0163e, \u00een cadrul sistemului de economisire-creditare. \u201cSemnalele din pia\u0163\u0103 \u015fi rezultatele noastre ne confirm\u0103 c\u0103 din ce \u00een ce mai mul\u0163i rom\u00e2ni prefer\u0103 s\u0103 economiseasc\u0103 \u015fi s\u0103 ia credite \u00een moneda na\u0163ional\u0103. Datorit\u0103 condi\u0163iilor de creditare foarte bune pe care le oferim (dob\u00e2nzi mici \u015fi fixe), solicit\u0103rile de credite \u00een lei au crescut anul trecut \u015fi sunt \u00een continu\u0103 cre\u015ftere\u201d, spune Aurelia Cionga, pre\u015fedintele Raiffeisen Banca pentru Locuin\u0163e (RBL).<\/p>\n<p><strong>4,5% sau 6% pe an, \u00een func\u0163ie de produs<\/strong><br \/>\nClien\u0163ii care aleg s\u0103 economiseasc\u0103 \u00een sistemul oferit de RBL (care func\u0163ioneaz\u0103 exclusiv \u00een lei) au posibilitatea ca, dup\u0103 o perioad\u0103 de timp, s\u0103 fac\u0103 un \u00eemprumut cu o dob\u00e2nd\u0103 fix\u0103 de 4,5% sau 6% pe an, \u00een func\u0163ie de produsul ales. Perioada de rambursare depinde de suma contractat\u0103 \u015fi poate varia \u00eentre 8 \u015fi 20 de ani. \u201eCreditele \u00een lei sunt o alegere bun\u0103 pentru rom\u00e2ni, pentru c\u0103 nu exist\u0103 riscul asociat fluctua\u0163iilor valutare. \u00cen plus, rata lunar\u0103 la credit este egal\u0103 cu rata din perioada de economisire. Aceasta face ca \u00eent\u00e2rzierile la plat\u0103 \u00een faza de creditare s\u0103 fie rare \u015fi conduce la un portofoliu s\u0103n\u0103tos de credite\u201d, spune Cionga.<\/p>\n<p>\u00cen anul 2012, valoarea total\u0103 a creditelor acordate de RBL s-a ridicat la cifra de 19 milioane lei, \u00een avans cu 14% fa\u0163\u0103 de valoarea consemnat\u0103 \u00een 2011. Aceast\u0103 majorare a avut loc pe fondul cre\u015fterii valorii medii a finan\u0163\u0103rilor at\u00e2t pentru creditele cu ipotec\u0103 (o medie de 130.000 lei), c\u00e2t \u015fi pentru cele f\u0103r\u0103 ipotec\u0103 (o valoare de 25.000 lei). \u00cen acest context, portofoliul de credite al RBL \u00eenregistra la sf\u00e2r\u015fitul anului trecut o expunere de 54 de milioane lei, \u00een cre\u015ftere cu 8% fa\u0163\u0103 de finele lui 2011.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Potrivit datelor b\u0103ncilor pentru locuin\u0163e, solicit\u0103rile de credite \u00een moneda na\u0163ional\u0103 sunt \u00een cre\u015ftere. \u00cen ciuda recomand\u0103rilor B\u0103ncii Na\u0163ionale a Rom\u00e2niei (BNR) ca rom\u00e2nii s\u0103 se orienteze spre moneda na\u0163ional\u0103 la contractarea unor credite, faptul c\u0103 dob\u00e2nzile practicate de c\u0103tre b\u0103nci sunt sensibil mai ridicate comparativ cu produsele \u00een euro face \u00eemprumuturile \u00een lei s\u0103 [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":24075,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[316],"content_author":[],"class_list":["post-24074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-stiri","tag-credite-3"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>C\u00e2nd sunt dispu\u015fi rom\u00e2nii s\u0103 se \u00eemprumute \u00een lei: c\u00e2nd au dob\u00e2nzi mici \u015fi fixe - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Potrivit datelor b\u0103ncilor pentru locuin\u0163e, solicit\u0103rile de credite \u00een moneda na\u0163ional\u0103 sunt \u00een cre\u015ftere. \u00cen ciuda recomand\u0103rilor B\u0103ncii 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