Indi\u0163ile Robor la trei me\u015fi andicra di cari sfa\u0163i isapi custusearea mp\u0103rmuturilor di consum tru lei cu dob\u00e2nd\u0103 variabil\u0103 \u0219-du\u0163i ninti creastirea, tru Rom\u00e2nia, \u015fi agiumsi la 8,11% tru an. Un nivel ma mari fu nregistrat la 1 di \u015fcurtu 2010, respectiv 8,15%, simfunu cu BNR. Tru ahurhita alu\u015ftui an, aestu indi\u0163i eara 3% tru an. Aproapea giumitati ditu mp\u0103rmuturli tru lei date tru Rom\u00e2nia suntu calculate tru aestu kiro andicra di indi\u0163ili Robor. <\/p>\n
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Adrian Negrescu, analistu financiar, spuni c\u0103 mul\u0163\u0103 rom\u00e2ni suntu tru catandisea tra s\u2019p\u0103lteasc\u0103 rate cu 50% ic\u0103 ba\u015f 80% ma m\u0103ri andicra di anlu \u0163i tricu. Un\u0103 prot\u0103 cearei easti tri\u0163earea la indicele di referin\u0163\u0103 tr\u0103 mp\u0103rmuturli a consumatorilor (IRCC), a\u015fe c\u0103 ratele s\u0103 scad\u0103 tr\u0103 un\u0103 perioad\u0103 di 1-2 ani, easti cu minduita Adrian Negrescu:<\/p>\n
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“Tra s\u2019treac\u0103 di la Robor la IRCC nu lipsea\u015fti s\u2019adari altu\u0163iva c\u0103 ma\u015f s\u2019nedz la banca iu ai mp\u0103rmutlu \u015fi s\u2019dipu\u00f1i un\u0103 c\u0103ftari, un\u0103 c\u0103ftari cari s\u2019ndreeadzi di arada tru 30 di dz\u0103li. Easti un\u0103 c\u0103ftari legal\u0103, pi cari b\u0103n\u0163\u0103li lipsea\u015fti s\u2019u aproaki tru nai \u015fcurtu kiro. Cara ti dialihea banca nu aproaki \u015fi ari posibilitatea s\u2019nu \u0163\u0103 aproaki tri\u0163earea la IRCC, solu\u0163ia easti s\u2019caf\u0163\u0103 Centrul di Solu\u0163ionare a Litigiilor ditu Domeniul Bancar, CSALB, un\u0103 institu\u0163ie cari ti agiut\u0103 practic f\u0103r\u0103 p\u0103radz s\u2019p\u0103z\u0103r\u0103pse\u015f\u0163\u0103 cu banca aesti n\u0103i condi\u0163ii di mp\u0103rmutari.”<\/em><\/p>\n
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Un\u0103 alt\u0103 variant\u0103 easti refinan\u0163area mp\u0103rmuturlor, av\u0103nda tru isapi ofertili a b\u0103n\u0163\u0103lor. Tr\u0103 atelli cari arm\u00e2n f\u0103r\u0103 loc di lucru goala cearei easti am\u00e2narea a ratilor tr\u0103 nodi me\u015fi, p\u00e2n\u0103 va s\u2019poat\u0103 s\u2019intr\u0103 dizn\u0103u pi lucru. <\/p>\n
Adrian Negrescu: “Ti a\u0163ea, tr\u0103 a\u0163elli afla\u0163 tru un\u0103 catandisi greau\u0103, dimi f\u0103r\u0103 posibilitatea tra \u015f-afl\u0103 un loc di lucru, falimentul personal ic\u0103 darea tru plat\u0103 sunt dau\u0103 alti solu\u0163ii, cari pot s\u0103-lli ascap\u0103 di fortuma a unlui mp\u0103rmutu pi cari numata pot tra \u015f-lu p\u0103lteasc\u0103.”<\/em> <\/p>\n
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Analistul financiar fa\u0163i timbihi c\u0103 ah\u00e2t kiro c\u00e2t infla\u0163ia va s\u2019arm\u0103n\u0103 pi un livelu analtu, tocurli va s\u2019creasc\u0103. El spune c\u0103 easti di a\u015ftiptat ca Robor s\u2019agiung\u0103 pi un procent di 9% tru perioada yinitoari. Crea\u0219tirea a toclui di politic\u0103 monetar\u0103 easti misura ti da di m\u0103n\u0103 neise pritu cari b\u0103n\u0163\u0103li \u0163entrali — dimi institu\u021biile tru borgea a curi cadi stabilitatea a p\u0103hadzloru – apeleadz\u0103 c\u00e2ndu vor s\u2019\u00f1icureadz\u0103 infla\u021bia. Tra s\u2019\u00f1icureadz\u0103 disponibilitatea di lichiditate tru pia\u021b\u0103, crea\u0219tirea a tocurloru discurajeaz\u0103 creditarea nau\u0103. Efectul s\u2019du\u0163i ama \u0219i c\u0103t\u0103 mp\u0103rmuturli veclli, pritu cri\u015ftearea a tocurloru variabile. Cu c\u00e2t banca central\u0103 da a b\u0103n\u0163\u0103lor comerciale mp\u0103rmuturi ma scumpe, cu ah\u00e2t aestea va s\u2019ahurheasc\u0103 s\u2019bag\u0103 tru lucru, tru arada a loru, tocuri ma m\u0103ri pe p\u0103zarea interbancar\u0103. <\/p>\n
La nivel european, ma multi b\u0103n\u0163\u0103 \u0163entrale crescu tocurli, di itia a catandisillei economi\u0163i globale. Europa s\u2019ampulisea\u015fti nica cu pandimia di COVID-19, cari li “scurtcircuitat” \u015fingirili di aprovizionari, diapoa, tru \u015fcurtu vini polimlu ditu Ucraina \u015f-dupu elu sanc\u021biunile b\u0103gati ali Rusie, cari zdrun\u0163inar\u0103 p\u0103z\u0103rli energheti\u0163i.<\/p>\n
Autoru: Mihai Pelin<\/p>\n
Arm\u00e2nipsearia: Ta\u015fcu Lala<\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":" Indi\u0163ile ROBOR ma largu easti pi crea\u015ftiri, tru Rom\u00e2nia, deadunu cu ratele mp\u0103rmuturilor di consum.<\/p>\n","protected":false},"author":106,"featured_media":93242,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[48847],"tags":[47342,47274,62754,46437,47085,47451,32613,134074],"coauthors":[],"class_list":["post-661195","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-oaspit-la-microfonlu-rri","tag-energie","tag-inflatie","tag-ircc","tag-mparmuturi","tag-pandimie","tag-polimu-tru-ucraina","tag-robor","tag-tocuri"],"acf":[],"yoast_head":"\n
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