{"id":925,"date":"2021-09-08T12:44:37","date_gmt":"2021-09-08T09:44:37","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=925"},"modified":"2021-09-08T12:44:38","modified_gmt":"2021-09-08T09:44:38","slug":"tu-stii-cum-iti-este-influentata-viata-de-fluctuatiile-cursului-valutar","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/tu-stii-cum-iti-este-influentata-viata-de-fluctuatiile-cursului-valutar\/","title":{"rendered":"Tu \u0219tii cum \u00ee\u021bi este influen\u021bat\u0103 via\u021ba de fluctua\u021biile cursului valutar?"},"content":{"rendered":"

\"\"Cunoa\u0219terea cursului valutar a devenit un lucru indispensabil \u00een zilele noastre, fie c\u0103 vorbim despre un interes personal sau de business. \u0218i chiar dac\u0103, \u00een majoritatea timpului, nu \u00ee\u021bi este necesar s\u0103 consul\u021bi zilnic aceast\u0103 informa\u021bie, faci lucrul acesta cu o anumit\u0103 frecven\u021b\u0103.<\/p>\n

Cursul valutar este, de asemenea, un subiect de mare interes \u0219i \u00een domeniul financiar.<\/p>\n

Pe scurt, cursul valutar define\u0219te raportul dintre diferite monede: leu versus euro, leu versus dolar, leu versus lir\u0103 \u0219i a\u0219a mai departe. Acest raport fluctueaz\u0103 \u00een func\u021bie de cerere \u0219i ofert\u0103 \u0219i se stabile\u0219te, prin realizarea mediei aritmetice cursurilor principalelor 10 b\u0103nci din Rom\u00e2nia, pentru ziua urm\u0103toare.<\/p>\n

Acesta este un curs valutar de referin\u021b\u0103, de aceea g\u0103se\u0219ti mici diferen\u021be de la o banc\u0103 la alta, precum \u0219i de la o cas\u0103 de schimb la alta.<\/p>\n

Exist\u0103 mai mul\u021bi factori care pot influen\u021ba cursul de schimb<\/a> din \u021bara noastr\u0103, at\u00e2t de ordin intern, c\u00e2t \u0219i de ordin extern. To\u021bi ace\u0219ti factori \u00ee\u021bi pot afecta direct via\u021ba de zi cu zi, dintre care enumer\u0103m situa\u021bia economic\u0103 a \u021b\u0103rii, conflictele sau instabilitatea politic\u0103.<\/p>\n

Drept urmare, \u0219i cursul valutar \u00ee\u021bi poate influen\u021ba via\u021ba, at\u00e2t \u00een ceea ce prive\u0219te cele enumerate mai sus, c\u00e2t \u0219i la nivel mai mic, cum ar fi plata ratelor, pre\u021burile bunurilor sau ale imobilelor.<\/p>\n

Cum \u00ee\u021bi influen\u021beaz\u0103 cursul valutar via\u021ba?<\/h2>\n

Factorii externi care influen\u021beaz\u0103 cursul valutar din Rom\u00e2nia, precum o criz\u0103 economic\u0103 la nivel global, impacteaz\u0103 \u0219i economia intern\u0103. Astfel, c\u00e2nd moneda na\u021bional\u0103 se depreciaz\u0103, tot ce cumperi din afara \u021b\u0103ri va fi mai scump raportat la pre\u021bul \u00een lei de dinaintea acestei situa\u021bii.<\/p>\n

De asemenea, atunci c\u00e2nd pleci \u00een vacan\u021b\u0103 va trebui s\u0103 ai o sum\u0103 mai mare de lei pe care s\u0103 o schimbi \u00een valut\u0103 pentru a-\u021bi men\u021bine bugetul stabilit pentru cheltuieli.<\/p>\n

Dar exist\u0103 \u0219i alte moduri \u00een care cursul valutar \u00ee\u021bi influen\u021beaz\u0103 via\u021ba de zi cu zi, cum ar fi fluctua\u021biile ratelor unui credit \u00een valut\u0103. Nu de pu\u021bine ori cet\u0103\u021benii rom\u00e2ni \u0219i-au deschis credite \u00een valut\u0103 deoarece b\u0103ncile ofereau condi\u021bii mai avantajoase pentru acestea.<\/p>\n

\u00cens\u0103, pentru c\u0103 ei \u00ee\u0219i \u00eencasau salariul \u00een moneda na\u021bional\u0103, atunci c\u00e2nd aceasta s-a depreciat fa\u021b\u0103 de valuta \u00een care aveau creditul, ratele lunare au crescut. Au existat chiar situa\u021bii \u00een care ratele au crescut \u00eentr-at\u00e2t \u00eenc\u00e2t persoanele respective s-au g\u0103sit \u00een imposibilitate de plat\u0103.<\/p>\n

Un alt aspect ar fi faptul c\u0103, de\u0219i imobilele \u00een \u021bara noastr\u0103 se achit\u0103 \u00een lei, pre\u021bul acestora este de cele mai multe ori exprimat \u00een euro. \u0218i nu de pu\u021bine ori cre\u0219terea euro fa\u021b\u0103 de moneda na\u021bional\u0103 a \u00eensemnat o cre\u0219tere \u00een pre\u021bul imobilelor.<\/p>\n

De asemenea, rata de schimb valutar poate avea impact \u0219i asupra importurilor din \u021bara noastr\u0103, iar asta \u00eenseamn\u0103 c\u0103 pre\u021bul la raft al produselor importate va fi mai mare.<\/p>\n

Cum po\u021bi c\u00e2\u0219tiga bani din schimburi valutare?<\/h2>\n

Dac\u0103 \u021bi s-a \u00eent\u00e2mplat p\u00e2n\u0103 acum s\u0103 schimbi bani la un curs valutar mai pu\u021bin avantajos, trebuie s\u0103 \u0219tii c\u0103 po\u021bi \u0219i s\u0103 c\u00e2\u0219tigi bani din acest lucru.<\/p>\n

\u00ce\u021bi po\u021bi deschide un cont de economii \u00een valut\u0103, unde s\u0103-\u021bi transferi economiile pe care le ai \u00een lei pentru ca, la scaden\u021b\u0103, s\u0103 ai mai mul\u021bi bani (dac\u0103 leul se depreciaz\u0103 fa\u021b\u0103 de valuta aleas\u0103).<\/p>\n

De asemenea, po\u021bi urm\u0103ri predic\u021biile privind pia\u021ba valutar\u0103 \u0219i s\u0103 faci schimburi valutare frecvente pentru a avea c\u00e2\u0219tig. Dac\u0103 dispui de o sum\u0103 ini\u021bial\u0103 mai generoas\u0103, atunci c\u00e2\u0219tigul va fi \u0219i mai mare.<\/p>\n

Dar po\u021bi \u0219i intermedia schimburi valutare, contra unui comision, aceasta fiind o alt\u0103 modalitate prin care po\u021bi c\u00e2\u0219tiga bani din schimburi valutare<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Tu \u0219tii cum \u00ee\u021bi influen\u021beaz\u0103 cursul valutar via\u021ba? De la pre\u021bul produselor la raft la ratele bancare, descoper\u0103 \u00een articol cum s\u0103 evi\u021bi s\u0103 pl\u0103te\u0219ti mai mult din cauza fluctua\u021biilor cursului de schimb.<\/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-925","post","type-post","status-publish","format-standard","hentry","category-educatie-financiara"],"yoast_head":"\nTu \u0219tii cum \u00ee\u021bi este influen\u021bat\u0103 via\u021ba de fluctua\u021biile cursului valutar? - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Fluctua\u021biile cursului valutar \u00ee\u021bi pot influen\u021ba ratele la banc\u0103, pre\u021bul produselor pe care le cumperi din afara \u021b\u0103rii \u0219i pre\u021bul produselor la raft. 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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\/925","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=925"}],"version-history":[{"count":3,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/925\/revisions"}],"predecessor-version":[{"id":929,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/925\/revisions\/929"}],"wp:attachment":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/media?parent=925"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/categories?post=925"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/tags?post=925"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}