{"id":13248,"date":"2026-09-24T09:54:21","date_gmt":"2026-09-24T09:54:21","guid":{"rendered":"https:\/\/cronicahd.ro\/?p=13248"},"modified":"2026-09-24T09:54:21","modified_gmt":"2026-09-24T09:54:21","slug":"se-scumpesc-creditele","status":"publish","type":"post","link":"https:\/\/cronicahd.ro\/?p=13248","title":{"rendered":"Se scumpesc creditele"},"content":{"rendered":"<p class=\"s3\"><span class=\"s4\">Incertitu<\/span><span class=\"s4\">di<\/span><span class=\"s4\">nile <\/span><span class=\"s4\">privind \u0219ansele vot\u0103rii unui cabinet Mure\u0219an<\/span><span class=\"s4\">, perspectiva form\u0103rii unui guvern AUR-PSD, cu riscurile revenirii la politicile populiste din anii preelectorali \u0219i temerile c\u0103 S&amp;P Global Ratings nu va men\u021bine Rom\u00e2nia \u00een categoria recomandat\u0103 investi\u021biilor, <\/span><span class=\"s4\">au ridicat costurile \u00eemprumuturilor din pia\u021ba monetar\u0103 local\u0103, iar euro testeaz\u0103 dep\u0103\u0219irea pragului de 5,30 lei.<\/span><\/p>\n<p class=\"s3\"><span class=\"s4\">T<\/span><span class=\"s4\">oate acestea se petrec \u00eentr-un moment i<\/span><span class=\"s4\">nterna\u021bional complicat, \u00een care b\u0103ncile centrale trebuie s\u0103 achite cea mai r\u0103mas din nota de plat\u0103 adus\u0103 de pandemie \u0219i recurg la major\u0103ri ale dob\u00e2nzilor de referin\u021b\u0103, iar politicile<\/span><span class=\"s4\"> haotic<\/span><span class=\"s4\">e<\/span><span class=\"s4\"> a<\/span><span class=\"s4\">le<\/span><span class=\"s4\"> administra\u021biei americane a <\/span><span class=\"s4\">amplificat riscurile infla\u021bioniste la nivel mondial, prin declan\u0219area r\u0103zboiului comercial, urmat apoi de conflictul din Golf, ce a majorat pre\u021burile petrolului \u0219i gazelor naturale.<\/span><\/p>\n<p class=\"s3\"><span class=\"s4\">\u00cen acest climat, f<\/span><span class=\"s4\">ondurile str\u0103ine care au investit \u00een Rom\u00e2nia au \u00eenceput s\u0103 recurg\u0103 la ie\u0219iri, ceea ce a produs sc\u0103derea, \u00een cursul dimine\u021bii, a indicelui BET cu circa 2,4%,<\/span><span class=\"s4\"> care s<\/span><span class=\"s4\">-a ad\u0103ugat<\/span><span class=\"s4\"> la pierderile de <\/span><span class=\"s4\">miercuri<\/span><span class=\"s4\">, iar pe cursul euro exist\u0103 o presiune constant\u0103.<\/span><\/p>\n<p class=\"s3\"><span class=\"s4\">Totodat\u0103, c<\/span><span class=\"s4\">onform investing.com, randamentul obliga\u0163iunilor pe 10 ani emise de statul rom<\/span><span class=\"s4\">\u00e2<\/span><span class=\"s4\">n fluctua joia aceasta \u00eentre 7,46 \u0219i 7,66%, maxim al ultimului an<\/span><span class=\"s4\">.<\/span><\/p>\n<p class=\"s3\"><span class=\"s4\">Pentru a face investi\u021biile \u00een leu mai atractive, banca central\u0103 a ridicat costurile de \u00eemprumut din pia\u021ba monetar\u0103, ceea ce <\/span><span class=\"s4\">scumpe\u0219te<\/span><span class=\"s4\"> ratele la credite.<\/span><\/p>\n<p class=\"s3\"><span class=\"s4\">Un episod asem\u0103n\u0103tor s-a petrecut \u00een mai, dup\u0103 ce mo\u021biunea de cenzur\u0103 AUR-PSD a fost votat\u0103 de Parlament, dar a durat doar scurt timp, pentru ca apoi indicii ROBOR s\u0103 se stabilizeze, timp de mai bine de patru luni.<\/span><\/p>\n<p class=\"s3\"><span class=\"s4\">Primele semne de cre\u0219tere a indicilor au ap\u0103rut la sf\u00e2r\u0219itul s\u0103pt\u0103m\u00e2nii trecute, pentru ca joia aceasta, cel la trei luni, <\/span><span class=\"s4\">\u00een func\u0163ie de care sunt calculate dob\u00e2nzile la majoritatea creditelor \u00een lei contractate \u00eenainte de mai 2019, a urcat de la 5,85<\/span><span class=\"s4\"> la 5,93<\/span><span class=\"s4\">%<\/span><span class=\"s4\">.<\/span> <span class=\"s4\">Indicele<\/span><span class=\"s4\"> la \u0219ase luni, folosit la calcularea ratelor la creditele ipotecare, a crescut de la 5,9<\/span><span class=\"s4\">4 la 6,01<\/span><span class=\"s4\">%, iar cel la 12 luni de la 5,99<\/span><span class=\"s4\"> la 6,07<\/span><span class=\"s4\">%.<\/span><span class=\"s4\"> O evolu\u021bie asem\u0103n\u0103toare au avut \u0219i indicii ROBID care au urcat la 5,62% la trei luni, 5,65% la \u0219ase luni, respectiv 5,72% la 12 luni.<\/span><\/p>\n<p>Radu Georgescu<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Incertitudinile privind \u0219ansele vot\u0103rii unui cabinet Mure\u0219an, perspectiva form\u0103rii unui guvern AUR-PSD, cu riscurile revenirii&#8230;<\/p>\n","protected":false},"author":1,"featured_media":13225,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,18],"tags":[],"class_list":["post-13248","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actual","category-economic"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - 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