{"id":1119,"date":"2022-05-27T17:39:38","date_gmt":"2022-05-27T14:39:38","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=1119"},"modified":"2022-05-27T17:39:39","modified_gmt":"2022-05-27T14:39:39","slug":"cresterea-indicelui-ircc-atrage-dupa-sine-rate-mai-mari-la-banca","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/cresterea-indicelui-ircc-atrage-dupa-sine-rate-mai-mari-la-banca\/","title":{"rendered":"Cre\u0219terea indicelui IRCC atrage dup\u0103 sine rate mai mari la banc\u0103"},"content":{"rendered":"

\"\"\u00cen februarie 2022 indicele ROBOR<\/a> a atins un nou record, a\u0219a cum am detaliat \u00een articolul dedicat, iar acest lucru a influen\u021bat ratele pe care rom\u00e2nii le pl\u0103tesc pentru creditele \u00een lei, calculate conform acestui indice.<\/p>\n

\u00cen luna martie indicele pentru credite ipotecare \u0219i de consum, IRCC, a cunoscut de asemenea o cre\u0219tere \u2013 de la 1,17% la 1,86%. \u00cens\u0103 anali\u0219tii \u0219i reprezentan\u021bii B\u0103ncii Na\u021bionale a Rom\u00e2niei avertizeaz\u0103 c\u0103 indicele va continua s\u0103 creasc\u0103 \u00een urm\u0103toarele trimestre ale anului 2022 (valorile IRCC zilnice \u0219i trimestriale<\/a>).<\/p>\n

Care sunt cauzele cre\u0219terii IRCC \u00een 2022?<\/h2>\n

Dob\u00e2nda de referin\u0163\u0103 pentru credite IRCC a crescut ca urmare a infla\u021biei \u0219i izbucnirii r\u0103zboiului din Ucraina, chiar dac\u0103 a avut un efect mai \u00eent\u00e2rziat dec\u00e2t ROBOR. \u00cens\u0103 anali\u0219tii financiari \u0219i reprezentan\u021bii BNR au avertizat asupra acestui aspect.<\/p>\n

De asemenea, BNR a crescut dob\u00e2nda de politic\u0103 monetar\u0103 la 2,5%. Acest demers vine pe fondul unei infla\u021bii oficiale de 8,53% \u00een luna februarie.<\/p>\n

Anali\u0219tii avertizeaz\u0103 asupra unui val de cre\u0219teri ale ratelor la b\u0103nci calculate dup\u0103 indicele IRCC, \u00een special a celor aferente creditelor ipotecare contractate atunci c\u00e2nd dob\u00e2nzile erau mici.<\/p>\n

Comparativ cu creditele \u00een lei calculate conform indicelui ROBOR, creditele calculate conform indicelui IRCC au \u00eenregistrat o majorare a dob\u00e2nzilor cu un decalaj de 6 luni, datorat modului \u00een care IRCC se calculeaz\u0103.<\/p>\n

Abia din luna martie acesta din urm\u0103 a \u00eenceput s\u0103 cunoasc\u0103 major\u0103ri, iar acest lucru va influen\u021ba \u00eentr-un mod important c\u00e2t pl\u0103tesc rom\u00e2nii lunar la banc\u0103 pentru creditele contractate.<\/p>\n

Iar conform estim\u0103rilor Ziarului Financiar, bazate pe datele BNR, IRCC va cre\u0219te mai accelerat din trimestrul 3 al acestui an, urm\u00e2nd ca \u00een trimestrul 4 s\u0103 ajung\u0103 chiar la 3,5%. Mai exact, o rat\u0103 de 1.625 de lei aferent\u0103 unui credit ipotecar va atinge 2.208 lei.<\/p>\n

Cum ne putem gestiona bugetul pentru a fi c\u00e2t mai pu\u021bin afecta\u021bi de cre\u0219terea indicelui IRCC?<\/h2>\n

\u00cen primul r\u00e2nd, trebuie s\u0103 \u0219tii ce este infla\u021bia<\/a> deoarece aceasta este una dintre principalele cauze ale cre\u0219terii indicilor pentru creditele \u00een lei (ROBOR \u0219i IRCC).<\/p>\n

\u00cen termeni simpli, infla\u021bia reprezint\u0103 cre\u0219terea generalizat\u0103 a pre\u021burilor. Mai exact, cumperi mai pu\u021bin cu aceia\u0219i bani comparativ cu luna sau anul anterior, \u00een func\u021bie de cum este calculat\u0103 infla\u021bia (lunar sau anual).<\/p>\n

S\u0103 urm\u0103re\u0219ti evolu\u021bia infla\u021biei, lunar sau anual, te ajut\u0103 s\u0103 calculezi mai exact care este valoarea banilor din bugetul t\u0103u. A\u0219a po\u021bi \u0219ti \u00een timp util dac\u0103 ai nevoie s\u0103 economise\u0219ti sau s\u0103 reduci cheltuielile care nu sunt esen\u021biale \u00een perioadele cu infla\u021bie crescut\u0103.<\/p>\n

\u00cen al doilea r\u00e2nd, este important s\u0103 ai un plan de economisire<\/a>, indiferent de v\u00e2rsta pe care o ai. Acest obicei financiar s\u0103n\u0103tos te poate ajuta s\u0103 dep\u0103\u0219e\u0219ti cu bine perioadele pline de provoc\u0103ri financiare, dar \u0219i s\u0103 ob\u021bii resursele necesare pentru obiectivele tale de viitor.<\/p>\n

De asemenea, este important s\u0103 \u0219tii \u00een ce po\u021bi investi<\/a>, atunci c\u00e2nd \u00ee\u021bi permi\u021bi acest lucru, astfel \u00eenc\u00e2t s\u0103 \u00ee\u021bi asiguri un venit pasiv.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00cen martie 2022 indicele IRCC pentru credite imobiliare \u0219i de consum a cunoscut un prim val de cre\u0219tere, \u00eens\u0103 anali\u0219tii avertizeaz\u0103 c\u0103 nu va fi singurul. Afl\u0103 din articol cum afecteaz\u0103 cre\u0219terea IRCC ratele rom\u00e2nilor, dar \u0219i cum te po\u021bi proteja de acest fenomen.<\/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-1119","post","type-post","status-publish","format-standard","hentry","category-stiri-financiare"],"yoast_head":"\nCre\u0219terea indicelui IRCC atrage dup\u0103 sine rate mai mari la banc\u0103 - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Indicele IRCC a cunoscut un prim val de cre\u0219tere \u00een martie 2022, iar anali\u0219tii avertizeaz\u0103 c\u0103 acesta nu va fi singurul, influen\u021b\u00e2nd ratele la b\u0103nci ale rom\u00e2nilor. Afl\u0103 din articol cum te afecteaz\u0103.\" \/>\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\/cresterea-indicelui-ircc-atrage-dupa-sine-rate-mai-mari-la-banca\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cre\u0219terea indicelui IRCC atrage dup\u0103 sine rate mai mari la banc\u0103 - Blog CursValutar.ro\" \/>\n<meta property=\"og:description\" content=\"Indicele IRCC a cunoscut un prim val de cre\u0219tere \u00een martie 2022, iar anali\u0219tii avertizeaz\u0103 c\u0103 acesta nu va fi singurul, influen\u021b\u00e2nd ratele la b\u0103nci ale rom\u00e2nilor. 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