{"id":65724,"date":"2022-11-04T11:46:22","date_gmt":"2022-11-04T09:46:22","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=65724"},"modified":"2022-11-04T11:46:22","modified_gmt":"2022-11-04T09:46:22","slug":"dobanda-fixa-sau-dobanda-variabila-care-este-cea-mai-buna-optiune-pentru-creditul-ipotecar-potrivit-tie","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/dobanda-fixa-sau-dobanda-variabila-care-este-cea-mai-buna-optiune-pentru-creditul-ipotecar-potrivit-tie_db\/","title":{"rendered":"Dob\u00e2nd\u0103 fix\u0103 sau dob\u00e2nd\u0103 variabil\u0103: care este cea mai bun\u0103 op\u021biune pentru creditul ipotecar potrivit \u021bie?"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"538\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/studiu-2400-\u00d7-1260-px-3-1024x538.png\" alt=\"\" class=\"wp-image-65725\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/studiu-2400-\u00d7-1260-px-3-1024x538.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/studiu-2400-\u00d7-1260-px-3-300x158.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/studiu-2400-\u00d7-1260-px-3-768x403.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/studiu-2400-\u00d7-1260-px-3-1536x806.png 1536w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/studiu-2400-\u00d7-1260-px-3-2048x1075.png 2048w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2022\/11\/studiu-2400-\u00d7-1260-px-3-600x315.png 600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>Atunci c\u00e2nd dore\u0219ti s\u0103 cumperi o proprietate cu ajutorul unui credit ipotecar, una dintre primele decizii cu care trebuie s\u0103 te confrun\u021bi este dac\u0103 vei alege o rat\u0103 cu dob\u00e2nd\u0103 fix\u0103 \u200b\u200bsau una cu dob\u00e2nd\u0103 variabil\u0103.<\/p>\n\n\n\n<p>\u00cen cazul unui credit ipotecar cu dob\u00e2nd\u0103 fix\u0103, rata ipotecii \u0219i plata pe care o vei face \u00een fiecare lun\u0103 vor r\u0103m\u00e2ne acelea\u0219i pe durata \u00eentregii perioade de creditare. \u00cen schimb, cu un credit ipotecar cu dob\u00e2nd\u0103 variabil\u0103, rata ipotecar\u0103 se va modifica odat\u0103 cu procentul dob\u00e2nzii, care variaz\u0103 \u00een func\u021bie de indicatorii ROBOR, IRCC sau EURIBOR, dar \u0219i de marja fix\u0103 a b\u0103ncilor.<\/p>\n\n\n\n<p><strong>Indiferent dac\u0103 dore\u0219ti s\u0103 modifici durata creditului sau s\u0103 reduci rata dob\u00e2nzii, po\u021bi apela cu \u00eencredere la<\/strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare\"><strong> <\/strong><strong>consultan\u021ba unui broker de credite<\/strong><\/a><strong>. Cu ajutorul unui astfel de specialist, vei putea g\u0103si solu\u021bia de refinan\u021bare ideal\u0103 pentru obiectivele tale financiare.<\/strong><\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69e899f11b652\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69e899f11b652\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/dobanda-fixa-sau-dobanda-variabila-care-este-cea-mai-buna-optiune-pentru-creditul-ipotecar-potrivit-tie_db\/#Cand_este_dobanda_variabila_optiunea_potrivita_pentru_tine\" >C\u00e2nd este dob\u00e2nda variabil\u0103 op\u021biunea potrivit\u0103 pentru tine?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/dobanda-fixa-sau-dobanda-variabila-care-este-cea-mai-buna-optiune-pentru-creditul-ipotecar-potrivit-tie_db\/#Cand_este_dobanda_fixa_potrivita_pentru_tine\" >C\u00e2nd este dob\u00e2nda fix\u0103 potrivit\u0103 pentru tine?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/dobanda-fixa-sau-dobanda-variabila-care-este-cea-mai-buna-optiune-pentru-creditul-ipotecar-potrivit-tie_db\/#Solicita_o_intalnire_cu_un_broker_de_credite_pentru_a_beneficia_de_cea_mai_avantajoasa_solutie_de_finantare\" >Solicit\u0103 o \u00eent\u00e2lnire cu un broker de credite pentru a beneficia de cea mai avantajoas\u0103 solu\u021bie de finan\u021bare!<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cand_este_dobanda_variabila_optiunea_potrivita_pentru_tine\"><\/span><strong>C\u00e2nd este dob\u00e2nda variabil\u0103 op\u021biunea potrivit\u0103 pentru tine?<\/strong><strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00cen momentul de fa\u021b\u0103, calculul dob\u00e2nzii pentru creditele \u00een lei se face pe baza indicatorului IRCC, acesta reprezent\u00e2nd rezultatul dintre media arimetic\u0103 a ratelor dob\u00e2nzilor zilnice \u0219i volumul tranzac\u021biilor de pe pia\u021ba monetar\u0103 interbancar\u0103. Drept referin\u021b\u0103, \u00een trimestrul patru din 2022 valoarea acestui indicator a ajuns la 4,06%, la care se adaug\u0103 o marj\u0103 fix\u0103 a b\u0103ncilor (cu valori pornind de la 2,19%), care \u021bine cont \u0219i de scorul t\u0103u FICO. Aceast\u0103 varia\u021bie \u00eenseamn\u0103 c\u0103 atunci c\u00e2nd indicatorul scade, dob\u00e2nzile devin mai mici, iar c\u00e2nd indicatorul cre\u0219te, dob\u00e2nzile sunt mai mari.<\/p>\n\n\n\n<p>Pe de alt\u0103 parte, indicele ROBOR este calculat zilnic de c\u0103tre BNR \u0219i 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.<\/p>\n\n\n\n<p><strong>\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<\/strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-ipotecare\"><strong> <\/strong><strong>instrumentul Imobiliare.ro<\/strong><\/a><strong>.<\/strong><\/p>\n\n\n\n<p>Cel mai mare dezavantaj pe care \u00eel poate reprezenta dob\u00e2nda variabil\u0103 este faptul c\u0103 nu po\u021bi previziona evolu\u021bia acesteia pe termen mediu \u0219i lung. Drept urmare, aceast\u0103 op\u021biune este ideal\u0103 pentru persoanele care au surse multiple de venit, previzioneaz\u0103 c\u0103 \u00een viitor se vor bucura de cre\u0219teri ale venitului \u0219i totodat\u0103 au un grad de \u00eendatorare sub 30.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cand_este_dobanda_fixa_potrivita_pentru_tine\"><\/span><strong>C\u00e2nd este <strong>dob\u00e2nda fix\u0103<\/strong><\/strong> <strong>potrivit\u0103 pentru tine?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Principalul avantaj al acestei op\u021biuni este faptul c\u0103 \u00ee\u021bi ofer\u0103 o predictibilitate mai mare. Indiferent de ceea ce se \u00eent\u00e2mpl\u0103 cu indicatorii men\u021biona\u021bi mai sus, tu vei pl\u0103ti de fiecare dat\u0103 acela\u0219i procent al dob\u00e2nzii. \u00cen schimb, trebuie s\u0103 iei \u00een considerare c\u0103 acest tip de dob\u00e2nd\u0103 poate veni la pachet cu o serie de clauze pentru diferite scenarii, ca de exemplu comisionul pentru pl\u0103\u021bi anticipate.<\/p>\n\n\n\n<p>Prin urmare, aceast\u0103 op\u021biune este potrivit\u0103 pentru persoanele care se a\u0219teapt\u0103 ca pe termen lung venitul s\u0103 r\u0103m\u00e2n\u0103 constant \u0219i care au costuri alternative asociate (precum costurile cu cre\u0219terea copiilor, cu ob\u021binerea unor calific\u0103ri profesionale sau cu \u00eengrijirea persoanelor cu dizabilit\u0103\u021bi).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Solicita_o_intalnire_cu_un_broker_de_credite_pentru_a_beneficia_de_cea_mai_avantajoasa_solutie_de_finantare\"><\/span><strong>Solicit\u0103 o \u00eent\u00e2lnire cu un broker de credite pentru a beneficia de cea mai avantajoas\u0103 solu\u021bie de finan\u021bare!<\/strong><strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>E\u0219ti decis cu privire la contractarea unui credit ipotecar? Apeleaz\u0103 cu \u00eencredere la serviciile unui broker de credite! Acesta este un serviciu gratuit, care nu prevede costuri ascunse \u0219i prin care po\u021bi ob\u021bine solu\u021bia optim\u0103 de creditare potrivit\u0103 nevoilor tale.<a class=\"article-body-links\"href=\"https:\/\/bit.ly\/3bmhC8d\"> Solicit\u0103 o \u00eent\u00e2lnire<\/a> cu unul dintre brokerii de credite disponibili pe Imobiliare.ro \u0219i te vei bucura de o rela\u021bie bazat\u0103 pe \u00eencredere \u0219i respect reciproc.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Atunci c\u00e2nd dore\u0219ti s\u0103 cumperi o proprietate cu ajutorul unui credit ipotecar, una dintre primele decizii cu care trebuie s\u0103 te confrun\u021bi este dac\u0103 vei alege o rat\u0103 cu dob\u00e2nd\u0103 fix\u0103 \u200b\u200bsau una cu dob\u00e2nd\u0103 variabil\u0103. \u00cen cazul unui credit ipotecar cu dob\u00e2nd\u0103 fix\u0103, rata ipotecii \u0219i plata pe care o vei face \u00een fiecare [&hellip;]<\/p>\n","protected":false},"author":842160,"featured_media":65725,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,268,264],"tags":[],"content_author":[],"class_list":["post-65724","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-cumparatori","category-ghid-imobiliar"],"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>Dob\u00e2nd\u0103 fix\u0103 sau dob\u00e2nd\u0103 variabil\u0103: care este cea mai bun\u0103 op\u021biune pentru creditul ipotecar potrivit \u021bie? 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