{"id":1190,"date":"2024-07-11T20:58:05","date_gmt":"2024-07-11T17:58:05","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=1190"},"modified":"2024-11-04T12:17:48","modified_gmt":"2024-11-04T10:17:48","slug":"scadere-istorica-indice-robor-azi-scadere-abrupta-a-robor-la-minimul-ultimilor-doi-ani-dupa-reducerea-dobanzii-cheie-de-catre-bnr","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/scadere-istorica-indice-robor-azi-scadere-abrupta-a-robor-la-minimul-ultimilor-doi-ani-dupa-reducerea-dobanzii-cheie-de-catre-bnr\/","title":{"rendered":"ROBOR scade istoric dup\u0103 reducerea dob\u00e2nzii de c\u0103tre BNR"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 5<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"1200\" height=\"721\" alt=\"Sc\u0103dere istoric\u0103 indice ROBOR\" title=\"Picture3 (1)\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/Picture3-1.png\" class=\"img-responsive wp-image-1214\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/Picture3-1-200x120.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/Picture3-1-400x240.png 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/Picture3-1-600x361.png 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/Picture3-1-800x481.png 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/Picture3-1.png 1200w\" sizes=\"(max-width: 640px) 100vw, 400px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;width:100%;\"><div class=\"fusion-separator-border sep-double\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color3);border-top-width:1px;border-bottom-width:1px;\"><\/div><\/div><div class=\"fusion-text fusion-text-1\"><p><strong style=\"font-size: 30px;\" data-fusion-font=\"true\">Sc\u0103dere istoric\u0103 indice ROBOR azi &#8211; Sc\u0103dere abrupt\u0103 a ROBOR, la minimul ultimilor doi ani, dup\u0103 reducerea dob\u00e2nzii cheie de c\u0103tre BNR<\/strong><\/p>\n<p class=\"p1\">\u00centr-un moment \u00een care \u021bintele de reducere a infla\u021biei par a-\u0219i urma cursul anticipat, Banca Na\u021bional\u0103 a Rom\u00e2niei (BNR) a decis s\u0103 reduc\u0103 dob\u00e2nda cheie, ceea ce a condus la o sc\u0103dere semnificativ\u0103 a indicelui ROBOR azi. Aceast\u0103 mi\u0219care marcheaz\u0103 un record pentru ultimii doi ani \u0219i aduce ve\u0219ti bune pentru to\u021bi cei care de\u021bin credite \u00een lei, cu dob\u00e2nzi variabile calculate \u00een func\u021bie de acest indice. Dac\u0103 vrei s\u0103 afli mai multe despre diferen\u021ba dintre ROBOR \u0219i IRCC, <span style=\"color: var(--awb-color4);\">g<\/span><span style=\"color: var(--awb-color4);\">\u0103se\u0219ti multe detalii aici<\/span>.<\/p>\n<h2 class=\"p1 fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\">Ce \u00eenseamn\u0103 reducerea dob\u00e2nzii cheie?<\/h2>\n<p class=\"p1\">Dob\u00e2nda cheie este un instrument fundamental utilizat de BNR pentru a controla infla\u021bia \u0219i pentru a stabiliza economia. Reducerea acestei dob\u00e2nzi semnaleaz\u0103 o politic\u0103 monetar\u0103 mai relaxat\u0103, menit\u0103 s\u0103 stimuleze activitatea economic\u0103 prin reducerea costurilor de \u00eemprumut.<\/p>\n<h2 class=\"p1 fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\">Impactul asupra indicelui ROBOR<\/h2>\n<p class=\"p1\">Decizia BNR a avut un efect imediat asupra indicelui ROBOR (Romanian Interbank Offer Rate) care a \u00eenregistrat cea mai mare sc\u0103dere din ultimii doi ani. Acesta este un indicator crucial care influen\u021beaz\u0103 ratele dob\u00e2nzilor pentru creditele \u00een lei cu dob\u00e2nd\u0103 variabil\u0103 calculat\u0103 \u00een func\u021bie de indice. O sc\u0103dere a acestui indice \u00eenseamn\u0103, \u00een mod direct, costuri mai mici pentru debitorii cu <strong><a href=\"https:\/\/123credit.ro\/credit-ipotecar\" target=\"_blank\" rel=\"noopener\"><em><span style=\"color: var(--awb-color4);\">credite ipotecare<\/span><\/em><\/a>,<\/strong> de <em><strong><a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/credit-nevoi-personale\" target=\"_blank\" rel=\"noopener\">nevoi personale<\/a><\/strong><\/em> sau credite de firm\u0103.<\/p>\n<h2 class=\"p1 fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\">Beneficiile pentru debitori<\/h2>\n<p class=\"p1\">Pentru persoanele fizice care de\u021bin \u00een continuare credite cu dob\u00e2nzi calculate \u00een func\u021bie de acest indice sau companiile care au \u00eemprumuturi \u00een lei cu dob\u00e2nda variabil\u0103, aceast\u0103 reducere a dob\u00e2nzii cheie \u0219i, implicit, a ROBOR-ului, se traduce prin:<\/p>\n<ul class=\"ul1\">\n<li class=\"li2\"><b>Rate lunare mai mici<\/b>: Reducerea ROBOR-ului va conduce la sc\u0103derea ratelor lunare pentru creditele cu dob\u00e2nd\u0103 variabil\u0103.<\/li>\n<li class=\"li2\"><b>Economie la dob\u00e2nd\u0103<\/b>: Debitorii vor pl\u0103ti mai pu\u021bin\u0103 dob\u00e2nd\u0103 pe \u00eentreaga durat\u0103 a creditului, economisind pe termen mediu sume considerabile.<\/li>\n<li class=\"li1\"><b>Stabilitate financiar\u0103<\/b>: Aceast\u0103 sc\u0103dere ofer\u0103 o stabilitate financiar\u0103 mai mare pentru familii \u0219i companii, facilit\u00e2nd gestionarea bugetelor personale.<\/li>\n<\/ul>\n<h2 class=\"p1 fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\">Evolu\u021bie ROBOR 3M<\/h2>\n<p class=\"p1\">Pentru a \u00een\u021belege mai bine impactul asupra debitorilor, este esen\u021bial s\u0103 monitoriz\u0103m evolu\u021bia ROBOR 3M. \u00cen ultimele luni, ROBOR 3M a prezentat o tendin\u021b\u0103 descendent\u0103, ceea ce reflect\u0103 stabilizarea pie\u021bei financiare \u0219i un climat economic favorabil pentru \u00eemprumuturi. Aceast\u0103 evolu\u021bie este un indicator important pentru cei care au credite \u00een lei, oferindu-le o perspectiv\u0103 asupra viitoarelor rate de dob\u00e2nd\u0103.<\/p>\n<h2 class=\"p1 fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\">Perspective economice<\/h2>\n<p class=\"p1\">BNR a implementat aceast\u0103 m\u0103sur\u0103 ca r\u0103spuns la condi\u021biile economice actuale, cu scopul de a sprijini cre\u0219terea economic\u0103, ca urmare a reducerii presiunilor infla\u021bioniste. Este de a\u0219teptat ca aceast\u0103 decizie s\u0103 aib\u0103 un impact pozitiv pe termen mediu \u0219i lung, stimul\u00e2nd consumul \u0219i investi\u021biile.<\/p>\n<h2 class=\"p1 fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\">Sfaturi pentru debitor<\/h2>\n<ul class=\"ul1\">\n<li class=\"li2\"><b>Revizui\u021bi contractele de credit<\/b>: Verifica\u021bi clauzele contractuale pentru a \u00een\u021belege cum v\u0103 influen\u021beaz\u0103 sc\u0103derea ROBOR.<\/li>\n<li class=\"li2\"><b>Discuta\u021bi cu specialistul \u00een creditare<\/b>: Dac\u0103 ave\u021bi <em><a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/blog\/simulare-credit-ipotecar-tot-ce-trebuie-sa-stii\/\" target=\"_blank\" rel=\"noopener\">\u00eentreb\u0103ri sau ave\u021bi nevoie de sfaturi<\/a><span style=\"color: var(--awb-color4);\">,<\/span><\/em> lua\u021bi leg\u0103tura cu un <em><a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/specialisti-credite\" target=\"_blank\" rel=\"noopener\">specialist \u00een creditare de la 123Credit.ro<\/a><\/em> pentru asisten\u021b\u0103 personalizat\u0103.<\/li>\n<li class=\"li1\"><b>Planifica\u021bi-v\u0103 economiile<\/b>: Folosi\u021bi economiile rezultate din sc\u0103derea ratelor pentru a v\u0103 consolida bugetul sau pentru a investi \u00een alte proiecte financiare.<\/li>\n<\/ul>\n<p class=\"p1\">Aceast\u0103 decizie adoptat\u0103 de BNR de a reduce dob\u00e2nda de politic\u0103 monetar\u0103 reprezint\u0103 o veste excelent\u0103 pentru pia\u021ba financiar\u0103 din Rom\u00e2nia. Cu un ROBOR care a \u00eenregistrat o sc\u0103dere important\u0103, putem privi momentul ca pe un semnal care anun\u021b\u0103 o relaxare \u00een pia\u021ba creditului, cu influen\u021b\u0103 similar\u0103 \u0219i \u00een valorile viitoare ale IRCC, \u00eencep\u00e2nd cu trimestrul I 2024.<br \/>\nPentru mai multe informa\u021bii \u0219i consultan\u021b\u0103 financiar\u0103, vizita\u021bi <em><strong><a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/\" target=\"_blank\" rel=\"noopener\">123Credit.ro.<\/a><\/strong><\/em><\/p>\n<h2 class=\"p1 fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\">\u00centreb\u0103ri frecvente<\/h2>\n<ol class=\"ol1\">\n<li class=\"li2\"><b>Ce este dob\u00e2nda cheie?<br \/>\n<\/b>Dob\u00e2nda cheie este rata dob\u00e2nzii stabilit\u0103 de BNR pentru a influen\u021ba costul credit\u0103rii \u0219i a controla infla\u021bia.<\/li>\n<li class=\"li2\"><b>Cum afecteaz\u0103 sc\u0103derea ROBOR ratele creditelor mele?<br \/>\n<\/b>O sc\u0103dere a ROBOR \u00eenseamn\u0103 rate lunare mai mici pentru creditele cu dob\u00e2nd\u0103 variabil\u0103.<\/li>\n<li class=\"li2\"><b>Cine beneficiaz\u0103 de sc\u0103derea ROBOR?<br \/>\n<\/b>To\u021bi cei care au credite \u00een lei cu dob\u00e2nd\u0103 variabil\u0103 calculat\u0103 \u00een func\u021bie de indicele ROBOR.<\/li>\n<li class=\"li2\"><b>Ce este ROBOR 3M?<br \/>\n<\/b>ROBOR 3M este rata medie a dob\u00e2nzilor la care b\u0103ncile rom\u00e2ne\u0219ti \u00ee\u0219i acord\u0103 \u00eemprumuturi pe termen de 3 luni.<\/li>\n<li class=\"li1\"><b>Cum pot economisi din reducerea ratei dob\u00e2nzii?<br \/>\n<\/b>Pute\u021bi folosi economiile pentru a v\u0103 consolida bugetul sau pentru a investi \u00een alte proiecte financiare.<\/li>\n<\/ol>\n<\/div><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-1 fusion-columns-total-0 fusion-content-boxes-1 content-boxes-icon-with-title content-left\" style=\"--awb-hover-accent-color:var(--awb-color4);--awb-circle-hover-accent-color:var(--awb-color4);--awb-item-margin-bottom:40px;\" data-animationOffset=\"top-into-view\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;width:100%;\"><div class=\"fusion-separator-border sep-double\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color3);border-top-width:1px;border-bottom-width:1px;\"><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 5<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":9,"featured_media":1214,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,16],"tags":[99],"class_list":["post-1190","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislatie","category-noutati-despre-credite","tag-evolutie-robor"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ROBOR scade istoric dup\u0103 reducerea dob\u00e2nzii de c\u0103tre BNR<\/title>\n<meta name=\"description\" content=\"Afl\u0103 despre sc\u0103derea istoric\u0103 a indicelui ROBOR \u0219i impactul reducerii dob\u00e2nzii cheie de c\u0103tre BNR asupra creditelor ipotecare \u0219i 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