{"id":66756,"date":"2023-07-11T12:49:29","date_gmt":"2023-07-11T09:49:29","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=66756"},"modified":"2023-07-11T12:49:29","modified_gmt":"2023-07-11T09:49:29","slug":"ce-se-intampla-cu-ircc-in-iulie-2023-cum-vor-evolua-creditele-pentru-romani","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/ce-se-intampla-cu-ircc-in-iulie-2023-cum-vor-evolua-creditele-pentru-romani_db\/","title":{"rendered":"Ce se \u00eent\u00e2mpl\u0103 cu IRCC \u00een iulie 2023. Cum vor evolua creditele pentru rom\u00e2ni?"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Rata anual\u0103 a infla\u021biei \u00ee\u0219i va continua trendul descendent \u00een urm\u0103toarele luni, potrivit informa\u021biilor publicate de BNR. \u00cen continuare, BNR men\u021bine dob\u00e2nda de politic\u0103 monetar\u0103 la 7% pe an.<\/strong><\/p>\n\n\n\n

Consiliul de administra\u0163ie al B\u0103ncii Na\u0163ionale a Rom\u00e2niei, \u00eentrunit \u00een \u015fedin\u0163a de s\u0103pt\u0103m\u00e2na trecut\u0103 a decis men\u0163inerea ratei dob\u00e2nzii de politic\u0103 monetar\u0103 la nivelul de 7% pe an, precum \u015fi men\u021binerea ratei dob\u00e2nzii pentru facilitatea de creditare (Lombard) la 8,00 la sut\u0103 pe an. De asemenea, BNR a men\u0163inut \u015fi rata dob\u00e2nzii la facilitatea de depozit la 6% pe an.<\/p>\n\n\n\n

Cu toate c\u0103 \u00een urm\u0103toarele luni BNR estimeaz\u0103 c\u0103 rata anual\u0103 a infla\u021biei \u00ee\u0219i va continua trendul descendent, totu\u0219i exist\u0103 \u0219i incertitudini ca urmare a r\u0103zboiului din Ucraina, reducerea livr\u0103rilor de petrol anun\u021bat\u0103 de OPEC \u0219i m\u0103surile privind reducerea adaosului comercial la alimentele de baz\u0103, anun\u021b\u0103 BNR. \u201cRata anual\u0103 a infla\u021biei \u0219i-a accelerat sc\u0103derea \u00een primele dou\u0103 luni ale trimestrului II, cobor\u00e2nd de la 14,53 la sut\u0103 \u00een martie, la 10,64 la sut\u0103 \u00een mai, \u00een linie cu previziunile, \u00een principal ca efect al accentu\u0103rii trendului descendent al dinamicilor pre\u021burilor energiei \u0219i combustibililor, sub impactul unor efecte de baz\u0103, al diminu\u0103rii cota\u021biei \u021bi\u021beiului \u0219i al schemelor de plafonare a pre\u021burilor la electricitate \u0219i gaze naturale,\u201d se arat\u0103 \u00een informa\u021biile publicate pe site-ul BNR.<\/p>\n\n\n\n

Ce se \u00eent\u00e2mpl\u0103 cu creditele ipotecare?<\/strong><\/h2>\n\n\n\n

\u00cen ceea ce prive\u0219te calcularea ratelor creditelor, este important de \u0219tiut c\u0103 valoarea Indicelui de referin\u021b\u0103 a creditelor consumatorilor (IRCC) a sc\u0103zut la valoarea de 5,94% pe an, fa\u021b\u0103 de valoarea de 5,98% din al doilea trimestru. Totu\u0219i, cu toate c\u0103 vorbim despre o sc\u0103dere a  IRCC, este clar c\u0103 ratele r\u0103m\u00e2n \u00eenc\u0103 mari. \u201cSc\u0103derea Q2-Q3 este irelevant\u0103, doar 0.04%, astfel IRCC a cobor\u00e2t de la data de 01 iulie de la 5.98% la 5.94%. De asemenea, \u0219tim c\u0103 la data de 01.10 acesta va cre\u0219te cu 0.02%, ajung\u00e2nd la 5.96%, deci lucrurile nu se schimb\u0103 prea mult. Totu\u0219i, este o situa\u021bie pe care o anticipam, \u00een sensul c\u0103 ne a\u0219teptam ca revenirea la costuri mici s\u0103 fie lent\u0103, iar optimismul este dat mai mult de men\u021binerea dob\u00e2nzilor de referin\u021b\u0103, sc\u0103derea infla\u021biei \u0219i dispari\u021bia trendului cresc\u0103tor la indicatori,\u201d subliniaz\u0103 Doru Iliescu Co-fondator DSA Advisor, brokerul de credite achizi\u021bionat de Imobiliare.ro.<\/strong><\/p>\n\n\n\n

\u00cencep\u00e2nd cu data de 1 aprilie a intrat \u00een vigoare noul IRCC, de 5,98%, la care dac\u0103 se adaug\u0103 o marj\u0103 de profit a b\u0103ncii, care se situeaz\u0103 \u00eentre 2.2%- 2.5%, rezult\u0103 dob\u00e2nzi variabile de la 8.18%.<\/strong><\/strong><\/p>\n\n\n\n

Cu c\u00e2t au crescut ratele rom\u00e2nilor care \u0219i-au achizi\u021bionat locuin\u021be cu credite. Iat\u0103 calculul:<\/strong><\/p>\n\n\n\n

O simulare de credit pentru o locuin\u021b\u0103 de 100.000 de euro (500.000 ron), cu un avans de 15%, pentru o locuin\u021b\u0103 creditat\u0103 pe o perioad\u0103 de 30 de ani, achizi\u021bionat\u0103 \u00een anul 2023, cu un IRCC de 5,94, la care dac\u0103 se adaug\u0103 o marj\u0103 de profit a b\u0103ncii de 2,1, rezult\u0103 o rat\u0103 de 3682.77 de lei.<\/p>\n\n\n\n

\u00cen timp ce aceea\u0219i simulare de credit pentru o locuin\u021b\u0103 de 100.000 de euro (500.000 ron), cu un avans de 15%, pentru o locuin\u021b\u0103 creditat\u0103 pe o perioad\u0103 de 30 de ani, achizi\u021bionat\u0103 \u00een anul 2022, cu un IRCC de 2,65, la care dac\u0103 se adaug\u0103 o marj\u0103 de profit a b\u0103ncii de 2,1, rezult\u0103 o rat\u0103 de 2608.24 de lei.<\/p>\n\n\n\n

Din datele analizate, speciali\u0219tii financiari anticipeaz\u0103 c\u0103 IRCC va \u00eencepe s\u0103 scad\u0103 \u00een continuare, \u00eens\u0103 cele mai mari sc\u0103deri vor fi semnificative de abia \u00een a doua jum\u0103tate a anului viitor.<\/p>\n\n\n\n

\u201cConsider\u0103m c\u0103 este \u00een interesul pie\u021bei s\u0103 comunic\u0103m optimist, cu accent pe detaliile pozitive, dar este cert \u00een acela\u0219i timp c\u0103 nu vom avea valori <2% la IRCC dec\u00e2t, cel mai devreme \u00een a doua jum\u0103tate a lui 2025,\u201d sus\u021bine Doru Iliescu.<\/strong><\/p>\n\n\n\n

Rata dob\u00e2nzii de politic\u0103 monetar\u0103 \u015fi ratele facilit\u0103\u0163ilor permanente<\/strong><\/p>\n\n\n

\n
\"\"<\/figure>\n<\/div>\n\n\n

Conform calendarului anun\u021bat, urm\u0103toarea \u0219edin\u021b\u0103 a CA al BNR dedicat\u0103 politicii monetare va avea loc \u00een data de 7 august 2023.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Preciz\u0103ri metodologice<\/p>\n\n\n\n

Rata dob\u00e2nzii de politic\u0103 monetar\u0103<\/em> reprezint\u0103 rata dob\u00e2nzii utilizat\u0103 pentru principalele opera\u0163iuni de pia\u0163\u0103 monetar\u0103 ale BNR. Actualmente, acestea sunt opera\u0163iunile repo<\/em> pe termen de o s\u0103pt\u0103m\u00e2n\u0103, derulate prin licita\u0163ie la rat\u0103 fix\u0103 de dob\u00e2nd\u0103.

Ratele dob\u00e2nzilor aferente facilit\u0103\u0163ilor permanente<\/em> acordate de c\u0103tre BNR (facilitatea de depozit<\/em> \u015fi facilitatea de credit<\/em>) formeaz\u0103 un coridor simetric \u00een raport cu rata dob\u00e2nzii de politic\u0103 monetar\u0103<\/em>.<\/p>\n\n\n\n

Dac\u0103 dore\u0219ti s\u0103 simulezi un scenariu de credit standard, folose\u0219te\u00a0instrumentul Imobiliare.ro<\/a>. \u00cen plus, te putem ajuta s\u0103 facilitezi procesul de creditare. Astfel, \u00ee\u021bi oferim complet gratuit, f\u0103r\u0103 nici un cost ascuns, posibilitatea de a ob\u021bine finan\u021bare printr-un broker de credit. Solicit\u0103 o \u00eent\u00e2lnire<\/a>\u00a0cu unul dintre brokerii Imobiliare.ro \u0219i te vei bucura de o rela\u021bie bazat\u0103 pe \u00eencredere \u0219i respect reciproc.<\/p>\n","protected":false},"excerpt":{"rendered":"

Rata anual\u0103 a infla\u021biei \u00ee\u0219i va continua trendul descendent \u00een urm\u0103toarele luni, potrivit informa\u021biilor publicate de BNR. \u00cen continuare, BNR men\u021bine dob\u00e2nda de politic\u0103 monetar\u0103 la 7% pe an. Consiliul de administra\u0163ie al B\u0103ncii Na\u0163ionale a Rom\u00e2niei, \u00eentrunit \u00een \u015fedin\u0163a de s\u0103pt\u0103m\u00e2na trecut\u0103 a decis men\u0163inerea ratei dob\u00e2nzii de politic\u0103 monetar\u0103 la nivelul de 7% […]<\/p>\n","protected":false},"author":853852,"featured_media":66758,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[1347,2152,2153],"content_author":[],"class_list":["post-66756","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri","tag-credite-ipotecare","tag-ircc","tag-rata-dobanzii"],"yoast_head":"\nCe se \u00eent\u00e2mpl\u0103 cu IRCC \u00een iulie 2023. 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