{"id":1074,"date":"2022-03-01T18:28:50","date_gmt":"2022-03-01T15:28:50","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=1074"},"modified":"2022-03-01T18:31:09","modified_gmt":"2022-03-01T15:31:09","slug":"robor-la-un-nou-record-in-februarie-2022","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/","title":{"rendered":"ROBOR la un nou record pe final de februarie 2022"},"content":{"rendered":"

Rom\u00e2nii care de\u021bin credite \u00een lei s-au confruntat deja cu cre\u0219terea indicelui ROBOR, acest lucru afect\u00e2nd suma pe care trebuie s\u0103 o achite lunar c\u0103tre banc\u0103.<\/p>\n

Pe scurt, ROBOR este rata medie a dob\u00e2nzii la care b\u0103ncile din Rom\u00e2nia se \u00eemprumut\u0103 \u00een lei \u00eentre ele, acest indice stabilindu-se zilnic de c\u0103tre Banca Na\u021bional\u0103 a Rom\u00e2niei (BNR) ca medie aritmetic\u0103 \u00eentre cota\u021biile practicate de cele mai mari 10 b\u0103nci din \u021bar\u0103.<\/p>\n

Acest indice a cunoscut de-a lungul timpului fluctua\u021bii, cresc\u00e2nd sau sc\u0103z\u00e2nd. Printre factorii care influen\u021beaz\u0103 ROBOR<\/a> se num\u0103r\u0103 infla\u021bia, riscul investi\u021bional \u0219i lichidit\u0103\u021bile care se afl\u0103 \u00een pia\u021b\u0103.<\/p>\n

Cea mai mare valoare ROBOR la 3 luni din ultimii ani<\/h2>\n

\u00cen februarie 2022, ROBOR a atins un nou maxim istoric, cea mai mare valoare la 3 luni din 2014. Printre altele, acest lucru s-a datorat cre\u0219terii dob\u00e2nzii cheie de la 2% la 2,5% de c\u0103tre BNR.<\/p>\n

Iar pe 1 martie 2022, data public\u0103rii acestui articol, ROBOR la 3 luni a crescut la 3,87%, iar ROBOR la 6 luni la 4,07%.<\/p>\n

De\u0219i actorii implica\u021bi se a\u0219teptau ca pasul de majorare a dob\u00e2nzii s\u0103 continue s\u0103 creasc\u0103, decizia BNR a fost una surprinz\u0103toare. Aceast\u0103 cre\u0219tere de dob\u00e2nd\u0103 mai accentuat\u0103, de 50 de puncte de baz\u0103 versus varianta a\u0219teptat\u0103 de 25 de puncte de baz\u0103, atrage dup\u0103 sine previziuni de cre\u0219tere a indicelui p\u00e2n\u0103 la 4,5% – 5% la finalul anului.<\/p>\n

Cum afecteaz\u0103 cre\u0219terea record a ROBOR-ului indicele IRCC?<\/h2>\n

\u00cen 2019 indicele ROBOR a fost \u00eenlocuit cu indicele IRCC, astfel c\u0103 pentru rom\u00e2nii care au accesat credite \u00een lei dup\u0103 2019 indicele de referin\u021b\u0103 este cel din urm\u0103.<\/p>\n

Indicele de referin\u0163\u0103 pentru creditele acordate consumatorilor<\/a> (IRCC) are mai multe aspecte \u00een comun cu indicele ROBOR: se aplic\u0103 pentru creditele \u00een lei \u0219i refinan\u021b\u0103ri, pentru credite imobiliare, pentru descoperiri de cont, credite de consum \u0219i carduri de credit.<\/p>\n

Cu toate c\u0103 indicele IRCC are o \u00eent\u00e2rziere \u00een cre\u0219tere sau sc\u0103dere fa\u021b\u0103 de ROBOR, datorat\u0103 modului \u00een care acesta este calculat, IRCC se aliniaz\u0103 trendului.<\/p>\n

IRCC zilnic din 24 martie 2022 a avut o cre\u0219tere de 68% fa\u021b\u0103 de ziua anterioar\u0103 \u0219i a fost stabilit la valoarea de 3.03% (IRCC zilnic din 23 martie a avut valoarea de 1.80%).<\/p>\n

A\u0219adar, dup\u0103 cre\u0219terea record a ROBOR \u00een februarie 2022 este a\u0219teptat ca \u0219i IRCC trimestrial s\u0103 cunoasc\u0103 o cre\u0219tere \u00een acest an, anali\u0219tii estim\u00e2nd c\u0103 acesta va atinge pragul de 4% \u00een al doilea trimestru al anului 2023.<\/p>\n

Cum afecteaz\u0103 cre\u0219terea indicelui ROBOR ratele rom\u00e2nilor?<\/h2>\n

Rom\u00e2nii care au credite \u00een lei accesate \u00eenainte de 2019, atunci c\u00e2nd a intrat \u00een vigoare IRCC, pl\u0103tesc ast\u0103zi rate lunare mai mari comparativ cu anul trecut sau chiar cu anul 2020.<\/p>\n

Aceste costuri mai mari, corelate cu cre\u0219terea infla\u021biei<\/a> (sc\u0103derea puterii de cump\u0103rare a leului), nu fac dec\u00e2t s\u0103 reduc\u0103 puterea de achizi\u021bie a rom\u00e2nilor.<\/p>\n","protected":false},"excerpt":{"rendered":"

Indicele ROBOR a cunoscut un nou maxim istoric \u00een februarie 2022. Descoper\u0103 \u00een articol cum afecteaz\u0103 acest lucru rom\u00e2nii care au credite \u00een lei, dar \u0219i cum este influen\u021bat indicele IRCC.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-1074","post","type-post","status-publish","format-standard","hentry","category-stiri-financiare"],"yoast_head":"\nROBOR la un nou record pe final de februarie 2022 - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Indicele ROBOR a atins un nou record \u00een februarie 2022, iar aceast\u0103 cre\u0219tere afecteaz\u0103 rom\u00e2nii cu credite \u00een lei. Afl\u0103 din articolul cursvalutar.ro care sunt efectele cre\u0219terii ROBOR.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ROBOR la un nou record pe final de februarie 2022 - Blog CursValutar.ro\" \/>\n<meta property=\"og:description\" content=\"Indicele ROBOR a atins un nou record \u00een februarie 2022, iar aceast\u0103 cre\u0219tere afecteaz\u0103 rom\u00e2nii cu credite \u00een lei. Afl\u0103 din articolul cursvalutar.ro care sunt efectele cre\u0219terii ROBOR.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog CursValutar.ro\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-01T15:28:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-01T15:31:09+00:00\" \/>\n<meta name=\"author\" content=\"Natalia Manolescu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Natalia Manolescu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/\",\"url\":\"https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/\",\"name\":\"ROBOR la un nou record pe final de februarie 2022 - Blog CursValutar.ro\",\"isPartOf\":{\"@id\":\"https:\/\/www.cursvalutar.ro\/blog\/#website\"},\"datePublished\":\"2022-03-01T15:28:50+00:00\",\"dateModified\":\"2022-03-01T15:31:09+00:00\",\"author\":{\"@id\":\"https:\/\/www.cursvalutar.ro\/blog\/#\/schema\/person\/3f5c8e3e077fa30f68a95121618f7282\"},\"description\":\"Indicele ROBOR a atins un nou record \u00een februarie 2022, iar aceast\u0103 cre\u0219tere afecteaz\u0103 rom\u00e2nii cu credite \u00een lei. Afl\u0103 din articolul cursvalutar.ro care sunt efectele cre\u0219terii ROBOR.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Prima pagin\u0103\",\"item\":\"https:\/\/www.cursvalutar.ro\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"ROBOR la un nou record pe final de februarie 2022\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.cursvalutar.ro\/blog\/#website\",\"url\":\"https:\/\/www.cursvalutar.ro\/blog\/\",\"name\":\"Blog CursValutar.ro\",\"description\":\"Mic blog pe teme financiare\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.cursvalutar.ro\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.cursvalutar.ro\/blog\/#\/schema\/person\/3f5c8e3e077fa30f68a95121618f7282\",\"name\":\"Natalia Manolescu\",\"description\":\"Pasionat\u0103 de cuvinte care educ\u0103 \u0219i content marketing \u0219i cu o experien\u021b\u0103 de peste 8 ani \u00een jurnalism \u0219i comunicare (Na\u021bional TV, Impact Hub, Startarium), ajut business-urile la \u00eenceput de drum s\u0103 \u00ee\u0219i defineasc\u0103 \u201cvocea\u201d \u00een online \u0219i s\u0103 comunice cu folos cu publicul lor. Urm\u0103resc cu aten\u021bie ecosistemul startup-urilor \u0219i acop\u0103r subiecte diverse ce \u021bin de educa\u021bie financiar\u0103, lifestyle \u0219i c\u0103l\u0103torii, antreprenoriat, e-commerce & digital marketing. \u00cemi place s\u0103 documentez temeinic fiecare subiect \u0219i s\u0103 scriu pe \u00een\u021belesul tuturor, astfel adaptez textele c\u00e2t s\u0103 le poat\u0103 \u00een\u021belege \u0219i bunica mea. :) Cred cu t\u0103rie c\u0103 informa\u021bia \u00eenseamn\u0103 putere, iar \u00eenv\u0103\u021barea este un proces care nu ar trebui s\u0103 se opreasc\u0103 niciodat\u0103. Mai multe detalii despre mine \u0219i date de contact g\u0103se\u0219ti pe profilul de Linkedin\",\"sameAs\":[\"https:\/\/ro.linkedin.com\/in\/nataliamanolescu\"],\"url\":\"https:\/\/www.cursvalutar.ro\/blog\/author\/natalia-manolescu\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"ROBOR la un nou record pe final de februarie 2022 - Blog CursValutar.ro","description":"Indicele ROBOR a atins un nou record \u00een februarie 2022, iar aceast\u0103 cre\u0219tere afecteaz\u0103 rom\u00e2nii cu credite \u00een lei. Afl\u0103 din articolul cursvalutar.ro care sunt efectele cre\u0219terii ROBOR.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/","og_locale":"ro_RO","og_type":"article","og_title":"ROBOR la un nou record pe final de februarie 2022 - Blog CursValutar.ro","og_description":"Indicele ROBOR a atins un nou record \u00een februarie 2022, iar aceast\u0103 cre\u0219tere afecteaz\u0103 rom\u00e2nii cu credite \u00een lei. Afl\u0103 din articolul cursvalutar.ro care sunt efectele cre\u0219terii ROBOR.","og_url":"https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/","og_site_name":"Blog CursValutar.ro","article_published_time":"2022-03-01T15:28:50+00:00","article_modified_time":"2022-03-01T15:31:09+00:00","author":"Natalia Manolescu","twitter_card":"summary_large_image","twitter_misc":{"Scris de":"Natalia Manolescu","Timp estimat pentru citire":"2 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/","url":"https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/","name":"ROBOR la un nou record pe final de februarie 2022 - Blog CursValutar.ro","isPartOf":{"@id":"https:\/\/www.cursvalutar.ro\/blog\/#website"},"datePublished":"2022-03-01T15:28:50+00:00","dateModified":"2022-03-01T15:31:09+00:00","author":{"@id":"https:\/\/www.cursvalutar.ro\/blog\/#\/schema\/person\/3f5c8e3e077fa30f68a95121618f7282"},"description":"Indicele ROBOR a atins un nou record \u00een februarie 2022, iar aceast\u0103 cre\u0219tere afecteaz\u0103 rom\u00e2nii cu credite \u00een lei. Afl\u0103 din articolul cursvalutar.ro care sunt efectele cre\u0219terii ROBOR.","breadcrumb":{"@id":"https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.cursvalutar.ro\/blog\/robor-la-un-nou-record-in-februarie-2022\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Prima pagin\u0103","item":"https:\/\/www.cursvalutar.ro\/blog\/"},{"@type":"ListItem","position":2,"name":"ROBOR la un nou record pe final de februarie 2022"}]},{"@type":"WebSite","@id":"https:\/\/www.cursvalutar.ro\/blog\/#website","url":"https:\/\/www.cursvalutar.ro\/blog\/","name":"Blog CursValutar.ro","description":"Mic blog pe teme financiare","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cursvalutar.ro\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ro-RO"},{"@type":"Person","@id":"https:\/\/www.cursvalutar.ro\/blog\/#\/schema\/person\/3f5c8e3e077fa30f68a95121618f7282","name":"Natalia Manolescu","description":"Pasionat\u0103 de cuvinte care educ\u0103 \u0219i content marketing \u0219i cu o experien\u021b\u0103 de peste 8 ani \u00een jurnalism \u0219i comunicare (Na\u021bional TV, Impact Hub, Startarium), ajut business-urile la \u00eenceput de drum s\u0103 \u00ee\u0219i defineasc\u0103 \u201cvocea\u201d \u00een online \u0219i s\u0103 comunice cu folos cu publicul lor. Urm\u0103resc cu aten\u021bie ecosistemul startup-urilor \u0219i acop\u0103r subiecte diverse ce \u021bin de educa\u021bie financiar\u0103, lifestyle \u0219i c\u0103l\u0103torii, antreprenoriat, e-commerce & digital marketing. \u00cemi place s\u0103 documentez temeinic fiecare subiect \u0219i s\u0103 scriu pe \u00een\u021belesul tuturor, astfel adaptez textele c\u00e2t s\u0103 le poat\u0103 \u00een\u021belege \u0219i bunica mea. :) Cred cu t\u0103rie c\u0103 informa\u021bia \u00eenseamn\u0103 putere, iar \u00eenv\u0103\u021barea este un proces care nu ar trebui s\u0103 se opreasc\u0103 niciodat\u0103. Mai multe detalii despre mine \u0219i date de contact g\u0103se\u0219ti pe profilul de Linkedin","sameAs":["https:\/\/ro.linkedin.com\/in\/nataliamanolescu"],"url":"https:\/\/www.cursvalutar.ro\/blog\/author\/natalia-manolescu\/"}]}},"_links":{"self":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/1074","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/comments?post=1074"}],"version-history":[{"count":3,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/1074\/revisions"}],"predecessor-version":[{"id":1078,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/1074\/revisions\/1078"}],"wp:attachment":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/media?parent=1074"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/categories?post=1074"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/tags?post=1074"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}