{"id":487,"date":"2020-04-09T11:57:56","date_gmt":"2020-04-09T08:57:56","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=487"},"modified":"2020-04-09T11:58:47","modified_gmt":"2020-04-09T08:58:47","slug":"credit-in-lei-sau-in-valuta","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/credit-in-lei-sau-in-valuta\/","title":{"rendered":"Credit \u00een lei sau \u00een valut\u0103?"},"content":{"rendered":"

At\u00e2t creditul \u00een lei, c\u00e2t \u0219i cel \u00een valut\u0103 au anumite riscuri. Banca, \u00eens\u0103, nu este ceva de care trebuie s\u0103 ne ferim, ci este realmente un \u2018\u2019magazin\u2019\u2019 de produse \u0219i servicii bancare pe care dac\u0103 \u00een\u021belegem cum le putem achizi\u021biona \u0219i folosi, ne ofer\u0103 multe beneficii \u0219i avantaje. Probabil va veni \u0219i pentru tine momentul \u00een care vei lua \u00een considerare un credit, dac\u0103 nu ai facut-o deja.<\/p>\n

\u00centrebarea e: credit \u00een lei sau \u00een valut\u0103?<\/h2>\n

\"\"Creditul \u00een lei sau \u00een valut\u0103 este principalul instrument de achizi\u021bie al persoanelor fizice, \u0219i nu numai. Motiv pentru care b\u0103ncile au creat diverse tipuri de credite<\/a>, \u00een func\u021bie de nevoile consumatorilor.<\/p>\n

\u201cCredit \u00een lei sau \u00een valut\u0103\u201d genereaz\u0103 o nou\u0103 \u00eentrebare, \u00eenainte de un r\u0103spuns, \u0219i anume \u00een ce moned\u0103 \u00eencasezi veniturile? Cel mai bun r\u0103spuns la aceast\u0103 \u00eentrebare este diferen\u021ba pe care o face fiecare dintre noi dintre avantajele \u0219i dezavantajele pe care le ofer\u0103.<\/p>\n

Credit \u00een valut\u0103<\/h2>\n

Creditul \u00een valut\u0103 a fost p\u00e2n\u0103 \u00een 2008 \u00een mod cert prima alegere a clien\u021bilor, deoarece condi\u021biile de accesare erau favorabile \u00een detrimentul creditului \u00een lei. \u00cens\u0103 criza financiar\u0103 care s-a resim\u021bit \u0219i la noi prin dublarea ratelor lunare ale clien\u021bilor, a generat at\u00e2t noi cerin\u021be impuse de banca central\u0103, c\u00e2t \u0219i lipsa finan\u021b\u0103rilor \u00een valut\u0103 a sucursalelor rom\u00e2ne\u0219ti de c\u0103tre b\u0103ncile mam\u0103. Astfel b\u0103ncile \u0219i-au reconfigurat interesul \u0219i resursele c\u0103tre promovarea \u0219i sus\u021binerea creditelor \u00een lei.<\/p>\n

Creditele \u00een valut\u0103 te expun riscului valutar<\/a>, iar \u00een func\u021bie de schimb\u0103rile de amploare ale cursului valutar, creditul poate deveni unul foarte costisitor. Dac\u0103 venitul t\u0103u este \u00een lei, iar valoarea euro cre\u0219te, automat cre\u0219te \u0219i valoarea ratei lunare.<\/p>\n

Deprecierea monedei na\u021bionale poate fi un dezavantaj atunci c\u00e2nd ai creditul in valut\u0103. \u00cen schimb, creditul in lei te pune la ad\u0103post de acest risc.<\/p>\n

Un alt dezavantaj al creditelor \u00een valut\u0103 este c\u0103 nu toate b\u0103ncile \u00eel mai au inclus \u00een portofoliul lor de produse, acestea limit\u00e2ndu-se doar la produse \u00een moneda na\u021bional\u0103.<\/p>\n

Credit \u00een lei<\/h2>\n

\u00cen ceea ce prive\u0219te creditul \u00een lei, chiar dac\u0103 este moneda \u00een care tu ai veniturile, iar asta \u00ee\u021bi ofer\u0103 o siguran\u021b\u0103 constant\u0103 de plat\u0103, are \u0219i el c\u00e2teva riscuri. ROBOR<\/a> influen\u021beaz\u0103 \u00een mod direct dob\u00e2nda lunar\u0103, \u0219i de\u0219i a generat modific\u0103ri pe termen scurt, evolu\u021bia acestuia a \u00eenregistrat at\u00e2t sc\u0103deri, c\u00e2t \u0219i cre\u0219teri cu procente importante. Totu\u0219i multe b\u0103nci au venit \u00een ajutor cu o dob\u00e2nd\u0103 fix\u0103 fie pe c\u00e2\u021biva ani din perioada creditului, fie pe toat\u0103 perioada de creditare.<\/p>\n

Un alt avantaj al creditelor \u00een lei este avansul minim solicitat de b\u0103nci, care este de minim 15% \u00een cazul creditelor imobiliare \u00een lei, comparativ cu minim 25% pentru creditele imobiliare \u00een euro.<\/p>\n

Po\u021bi g\u0103si un calculator care determin\u0103 costul unui credit \u00een lei versus credit \u00een euro pe website-ul b\u0103ncii tale.<\/p>\n

Plec\u00e2nd de la moneda \u00een care \u00ee\u021bi \u00eencasezi veniturile, ideal este s\u0103 consul\u021bi mai multe b\u0103nci<\/a> pentru alegerea potrivit\u0103 \u021bie, pentru c\u0103 este posibil ca diferen\u021ba s\u0103 o fac\u0103 o sum\u0103 semnificativ\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"

Descoper\u0103 \u00een articol care sunt avantajele \u0219i dezvantajele celor dou\u0103 tipuri de credit \u2013 \u00een lei sau \u00een valut\u0103 \u0219i alege informat solu\u021bia potrivit\u0103 pentru tine!<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-487","post","type-post","status-publish","format-standard","hentry","category-educatie-financiara"],"yoast_head":"\nCredit \u00een lei sau \u00een valut\u0103? - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Care este cel mai avantajos tip de credit pentru tine, \u00een lei sau \u00een valut\u0103? 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