{"id":144,"date":"2019-05-24T08:17:22","date_gmt":"2019-05-24T05:17:22","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=144"},"modified":"2019-10-24T11:15:17","modified_gmt":"2019-10-24T08:15:17","slug":"robor-si-noul-indice-ircc-dupa-care-se-calculeaza-creditele","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/robor-si-noul-indice-ircc-dupa-care-se-calculeaza-creditele\/","title":{"rendered":"Robor \u0219i noul indice IRCC dup\u0103 care se calculeaz\u0103 creditele"},"content":{"rendered":"

Clien\u021bii b\u0103ncilor, fie ei persoane fizice sau juridice, care au credite cu dob\u00e2nzi variabile urm\u0103resc cu aten\u021bie evolu\u021bia indicilor \u00een raport cu care acestea sunt calculate. Creditele cu dob\u00e2nzi variabile sunt direct influen\u021bate de indicele Robor, ceea ce \u00eenseamn\u0103 c\u0103 totalul ratei lunare poare cre\u0219te sau se poate reduce \u00een func\u021bie de fluctua\u021biile acestuia.<\/p>\n

1. Ce este indicele Robor?<\/h2>\n

Romanian Interbank Offer Rate (Robor) \u00eenseamn\u0103, pe scurt, rata cu care o banc\u0103 \u00eemprumut\u0103 alte b\u0103nci, dob\u00e2nda cu care b\u0103ncile implicate \u00een calcularea Roborului ofer\u0103 \u00eemprumuturi \u00een lei b\u0103ncilor contributoare. Indicele Robor pentru persoanele fizice sau juridice este calculat pentru scaden\u021bele la 3 \u0219i 6 luni, calcul\u00e2ndu-se media aritmetic\u0103 pe 3 sau 6 luni la care se adaug\u0103 marja. Rezultatul este rata lunar\u0103 a clientului non-bancar.<\/p>\n

Indicele Robor se calculeaz\u0103 de c\u0103tre Thomson Reuters<\/a>, companie de informa\u021bii financiare, sub supravegherea B\u0103ncii Na\u021bionale a Rom\u00e2niei.
\nPrintre factorii care influen\u021beaz\u0103 indicele Robor se num\u0103r\u0103 infla\u021bia, lichidit\u0103\u021bile pie\u021bei la un moment dat, cererea \u0219i oferta lichidit\u0103\u021bilor, riscul investi\u021bional \u0219.a.<\/p>\n

Indicele Robor este calculat transparent \u0219i afi\u0219at la fel de transparent, iar BNR \u0219i platforma Thomson Reuters public\u0103 aceste informa\u021bii zilnic pe website-urile lor oficiale, fiind urm\u0103rite \u0219i de institu\u021bii financiare at\u00e2t locale c\u00e2t \u0219i interna\u021bionale. Astfel, nu exist\u0103 dubii sau gre\u0219eli \u00een ceea ce prive\u0219te valoarea acestui indice, fiind un element de importan\u021b\u0103 na\u021bional\u0103 care afecteaz\u0103 popula\u021bia cu credite cu dob\u00e2nd\u0103 variabil\u0103.<\/p>\n

2. Fluctua\u021biile indicelui Robor<\/h2>\n

Fluctua\u021biile indicelui Robor se reflect\u0103 direct \u00een rata clien\u021bilor finali care au rate cu dob\u00e2nzi variabile, adic\u0103 persoanele fizice sau juridice. \u00centr-un raport pe ultimii 10 ani, cea mai mic\u0103 valoare a indicelui Robor s-a \u00eenregistrat \u00een martie 2016, cu o valoare de 0.8%, iar cea mai mare valoare a fost atins\u0103 \u00een martie 2009, ajung\u00e2nd la 18.3%.<\/p>\n

Factorii care influen\u021beaz\u0103 indicele Robor sunt condi\u021biile economice \u0219i nu b\u0103ncile. Acestea nu au interes \u00een a influen\u021ba Robor-ul deoarece, atunci c\u00e2nd acesta cre\u0219te, veniturile b\u0103ncii se m\u0103resc, dar odat\u0103 cu ele \u0219i costurile.
\n\u00cen 2010, Statul Rom\u00e2n a dat Ordonan\u021ba de Urgen\u021b\u0103 50 (OUG 50), prin care s-a legiferat ca indicele Robor s\u0103 fie cel \u00een func\u021bie de care se calculeaz\u0103 valoarea dob\u00e2nzilor variabile. S-a ales acest indice deoarece el este folosit \u0219i la nivel interna\u021bional, dar \u0219i pentru c\u0103 sistemul de calcul al s\u0103u este unul transparent. Astfel, ratele \u00een lei cu dob\u00e2nzi variabile aveau o dob\u00e2nd\u0103 compus\u0103 din Robor \u0219i o marj\u0103 fix\u0103 a b\u0103ncii.<\/p>\n

Din p\u0103cate, \u00een anul 2018, pe fondul unor schimb\u0103ri legislative \u0219i a unor decizii guvernamentale, infla\u021bia a crescut considerabil, tr\u0103g\u00e2nd dup\u0103 sine \u0219i indicele Robor. Acest lucru a crescut ratele clien\u021bilor finali, persoane fizice sau juridice, cu sume care au atins \u0219i c\u00e2teva sute de lei.<\/p>\n

3. IRCC, noul indice Robor<\/h2>\n

\u00cen 2019, Guvernul Rom\u00e2niei a decis s\u0103 schimbe indicele de referin\u021b\u0103 Robor cu un altul, deoarece acesta crescuse considerabil \u00een 2018 \u0219i afecta serios popula\u021bia cu credite \u00een lei cu dob\u00e2nzi variabile. Astfel, Banca Na\u021bional\u0103 a Rom\u00e2niei a publicat noul indice de referin\u021b\u0103 numit IRCC.<\/p>\n

Indicele de referin\u0163\u0103 pentru creditele acordate consumatorilor (IRCC), se aplic\u0103 tot pentru creditele \u00een lei, dar acele credite noi \u0219i posibilele refinan\u021b\u0103ri, nefiind valabil pentru creditele \u00een lei cu dob\u00e2nd\u0103 variabil\u0103 \u00een curs. IRCC se aplic\u0103 pentru credite imobiliare, credite de consum, descoperiri de cont \u0219i carduri de credit.<\/p>\n

IRCC, publicat pe 2 mai 2019 de c\u0103tre Banca Na\u021bional\u0103, av\u00e2nd valoarea 2,36%, se calculeaz\u0103 ca media artimetic\u0103 a ratelor dob\u00e2nzilor zilnice pentru tranzac\u021biile dintre b\u0103nci, din ultimele 3 luni ale anului trecut. Ordonan\u0163a de urgen\u0163\u0103 19\/2019 a fost actul legislativ care a introdus noul indice de referin\u021b\u0103, IRCC.<\/p>\n

\u00cen ceea ce prive\u0219te diferen\u021bele de bani din buzunarul clientului final cu credite calculate dupa indicele Robor sau IRCC, este prea devreme s\u0103 le estim\u0103m acum. BNR a afi\u0219at pe 10 mai un indice Robor la 3 luni de 3.30% \u0219i un indice IRCC<\/strong> calculat pe trimestrul 4 din 2018 de 2,36%<\/strong>. Indicele IRCC ofer\u0103 acum o sum\u0103 final\u0103 a ratei mai mic\u0103 dec\u00e2t dac\u0103 aceea\u0219i rat\u0103 ar fi fost calculat\u0103 dup\u0103 indicele Robor. Cu toate acestea, nu putem exprima care va fi evolu\u021bia noului indice de referin\u021b\u0103 dec\u00e2t dup\u0103 o perioad\u0103 considerabil\u0103, acesta fiind la fel de influen\u021bat de factorii economici ca \u0219i predecesorul s\u0103u.<\/p>\n","protected":false},"excerpt":{"rendered":"

Robor \u0219i IRCC sunt indicii de referin\u021b\u0103 cu ajutorul c\u0103rora ratele creditelor \u00een lei cu dob\u00e2nd\u0103 variabil\u0103 sunt calculate. Ace\u0219ti 2 indici au metode de calcul diferite \u0219i sunt \u00een direct\u0103 leg\u0103tur\u0103 cu anumi\u021bi factori economici. Afl\u0103 cum te influen\u021beaz\u0103 fluctua\u021biile acestora!<\/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-144","post","type-post","status-publish","format-standard","hentry","category-stiri-financiare"],"yoast_head":"\nRobor \u0219i noul indice IRCC dup\u0103 care se calculeaz\u0103 creditele - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Robor \u0219i IRCC: ce sunt, cum se calculeaz\u0103, care sunt factorii care \u00eei influen\u021beaz\u0103 \u0219i care este impactul lor asupra ratelor creditelor \u00een lei cu dob\u00e2nd\u0103 variabil\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\/robor-si-noul-indice-ircc-dupa-care-se-calculeaza-creditele\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Robor \u0219i noul indice IRCC dup\u0103 care se calculeaz\u0103 creditele - 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