{"id":4565,"date":"2026-01-23T10:01:06","date_gmt":"2026-01-23T08:01:06","guid":{"rendered":"https:\/\/123credit.ro\/blog\/in-ce-moneda-se-dau-credite\/"},"modified":"2026-01-23T10:01:07","modified_gmt":"2026-01-23T08:01:07","slug":"in-ce-moneda-se-dau-credite","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/in-ce-moneda-se-dau-credite\/","title":{"rendered":"\u00cen ce moned\u0103 acord\u0103 \u00een prezent b\u0103ncile credite?"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 5<\/span> minute<\/span><\/span>

Moneda creditelor acordate de b\u0103nci: o analiz\u0103 pentru 2025-2026<\/h1>\n

\u00centrebarea \u201e\u00een ce moned\u0103 acord\u0103 \u00een prezent b\u0103ncile credite?\u201d a devenit tot mai important\u0103 pentru rom\u00e2nii care vor s\u0103 se \u00eemprumute, dar \u0219i pentru companiile ce \u00ee\u0219i planific\u0103 investi\u021biile. \u00cen ultimii ani, structura portofoliilor de creditare din Rom\u00e2nia s\u2011a schimbat semnificativ: popula\u021bia prefer\u0103 \u00eemprumuturile \u00een lei, \u00een timp ce firmele revin la finan\u021b\u0103rile \u00een valut\u0103. Aceast\u0103 diferen\u021b\u0103 de comportament este str\u00e2ns legat\u0103 de politica monetar\u0103, de reglement\u0103rile B\u0103ncii Na\u021bionale a Rom\u00e2niei (BNR) \u0219i de evolu\u021bia dob\u00e2nzilor pe pie\u021bele interna\u021bionale. Mai jos analiz\u0103m cum arat\u0103, \u00een 2025\u20112026, moneda creditelor acordate de b\u0103nci \u0219i care sunt implica\u021biile pentru debitori.<\/p>\n

De ce conteaz\u0103 moneda creditului?<\/h2>\n

Moneda \u00een care \u00ee\u021bi iei un credit determin\u0103 nu doar nivelul dob\u00e2nzii, ci \u0219i expunerea ta la riscul de schimb valutar. Un \u00eemprumut \u00een aceea\u0219i moned\u0103 cu veniturile tale elimin\u0103 riscul devaloriz\u0103rii \u0219i face mai u\u0219or de estimat rata lunar\u0103. De aceea, BNR recomand\u0103 popula\u021biei s\u0103 se \u00eemprumute \u00een lei; pentru companii, regulamentele impun ca b\u0103ncile s\u0103 testeze capacitatea de rambursare a creditelor \u00een valut\u0103 la scenarii de depreciere sever\u0103. \u00cen prezent, creditele \u00een lei sunt raportate la IRCC, \u00een timp ce creditele \u00een euro folosesc Euribor ca indice de referin\u021b\u0103, astfel c\u0103 evolu\u021bia dob\u00e2nzilor depinde de deciziile BNR sau BCE.<\/p>\n

Creditele acordate popula\u021biei: lei domin\u0103 clar<\/h2>\n

Datele recente din Raportul asupra stabilit\u0103\u021bii financiare arat\u0103 c\u0103 creditele \u00een lei reprezint\u0103 68,7\u202f% din totalul portofoliului de credite din sistem, iar ponderea creditelor \u00een valut\u0103 este 31,3\u202f%. Aceast\u0103 structur\u0103 este determinat\u0103 \u00een principal de preferin\u021ba popula\u021biei pentru lei. BNR subliniaz\u0103 c\u0103 stocul creditelor \u00een valut\u0103 pentru gospod\u0103rii s\u2011a diminuat constant; la septembrie 2025, creditele \u00een valut\u0103 reprezentau doar 8 % din portofoliul de \u00eemprumuturi acordate popula\u021biei, iar noile finan\u021b\u0103ri \u00een valut\u0103 au o pondere neglijabil\u0103, de numai 0,2\u202f% din fluxurile totale de credite. \u00cen acela\u0219i timp, creditarea \u00een lei acordat\u0103 popula\u021biei a crescut cu peste 10\u202f% fa\u021b\u0103 de anul anterior.<\/p>\n

B\u0103ncile prefer\u0103 lei pentru creditele de consum \u0219i ipotecare deoarece veniturile clien\u021bilor sunt, \u00een general, \u00een lei \u0219i astfel se evit\u0103 riscul de curs valutar. Pentru cei cu salariul \u00een lei, creditul \u00een lei ofer\u0103 stabilitate. Ratele nu sunt afectate de fluctua\u021biile cursului leu\/euro, iar reglement\u0103rile BNR protejeaz\u0103 debitorii \u00eempotriva supra\u00eendator\u0103rii \u00een valut\u0103.<\/p>\n

C\u00e2nd au sens creditele \u00een euro?<\/h2>\n

De\u0219i rare pentru popula\u021bie, creditele \u00een euro r\u0103m\u00e2n o op\u021biune pentru persoanele care \u00ee\u0219i \u00eencaseaz\u0103 veniturile \u00een aceast\u0103 moned\u0103 sau care locuiesc \u0219i lucreaz\u0103 \u00een str\u0103in\u0103tate. BCR subliniaz\u0103 c\u0103 dob\u00e2nzile la euro sunt de obicei mai mici dec\u00e2t cele la lei, reflect\u00e2nd politica monetar\u0103 a BCE. Pentru debitorii cu venituri \u00een euro, rata lunar\u0103 r\u0103m\u00e2ne corelat\u0103 cu salariul \u0219i riscul valutar dispare. Totu\u0219i, cei care c\u00e2\u0219tig\u0103 \u00een lei \u0219i vor un credit \u00een euro trebuie s\u0103 fie con\u0219tien\u021bi c\u0103 o depreciere a leului de 10\u202f% majoreaz\u0103 automat rata \u00een lei cu 10\u202f%, chiar dac\u0103 dob\u00e2nda r\u0103m\u00e2ne neschimbat\u0103. B\u0103ncile solicit\u0103, de regul\u0103, un avans mai mare pentru creditul ipotecar \u00een euro \u0219i vor accepta dosare doar dac\u0103 debitorul dovede\u0219te venituri stabile \u00een valuta creditului.<\/p>\n

Credite acordate companiilor: aproape jum\u0103tate \u00een valut\u0103<\/h2>\n

Structura creditelor acordate firmelor este diferit\u0103. Potrivit Raportului BNR din decembrie 2025, creditul \u00een valut\u0103 reprezenta 49,1\u202f% din portofoliul de \u00eemprumuturi acordate companiilor nefinanciare, \u00een cre\u0219tere cu 4,4 puncte procentuale fa\u021b\u0103 de septembrie 2024. Dinamica anual\u0103 a stocului de credit \u00een valut\u0103 a companiilor s\u2011a \u00eenscris \u00eentre 3\u202f% \u0219i 15,7\u202f% \u00een ultimele 12 luni. Valoarea total\u0103 a creditului corporativ \u00een valut\u0103 a ajuns la 104 miliarde lei.<\/p>\n

\u00cen schimb, creditul \u00een lei acordat firmelor a sc\u0103zut la 117 miliarde lei (noiembrie 2025), \u00een timp ce soldul \u00eemprumuturilor \u00een valut\u0103 a crescut la 124,5 miliarde lei, cu un avans anual de 16,6\u202f%. Companiile prefer\u0103 finan\u021barea \u00een valut\u0103 pentru investi\u021bii sau proiecte cu venituri \u00een euro ori dolari, profit\u00e2nd de dob\u00e2nzile mai reduse de pe pie\u021bele interna\u021bionale. Aceast\u0103 tendin\u021b\u0103 este vizibil\u0103 \u0219i \u00een sectorul leasingului: la IFN, creditele \u00een valut\u0103 reprezint\u0103 87,1 % din totalul finan\u021b\u0103rilor c\u0103tre companii, principalul produs fiind leasingul pentru echipamente.<\/p>\n

BNR avertizeaz\u0103 \u00eens\u0103 c\u0103 expunerea mare la valut\u0103 cre\u0219te riscul de curs pentru companii. \u00cen raport se subliniaz\u0103 c\u0103 firmele ar trebui s\u0103 se \u00eemprumute \u00een moneda \u00een care au veniturile pentru a diminua riscul valutar.<\/p>\n

De ce dau b\u0103ncile credite \u00een valut\u0103 companiilor?<\/h3>\n
    \n
  • Dob\u00e2nzi mai mici<\/strong> Ratele de referin\u021b\u0103 \u00een zona euro sunt mai reduse dec\u00e2t \u00een Rom\u00e2nia, iar Euribor \u00een sc\u0103dere face ca finan\u021barea \u00een euro s\u0103 fie atractiv\u0103. Companiile pot astfel ob\u021bine costuri mai mici dec\u00e2t la un credit \u00een lei.<\/li>\n
  • Alinierea la veniturile \u00een valut\u0103<\/strong> Multe firme exportatoare sau din domenii precum energie \u0219i IT \u00eencaseaz\u0103 venituri \u00een euro sau dolari. \u00cemprumuturile \u00een aceea\u0219i moned\u0103 reduc riscul de curs valutar.<\/li>\n
  • Finan\u021b\u0103ri pentru investi\u021bii pe termen lung<\/strong> Companiile prefer\u0103 s\u0103 se \u00eemprumute \u00een valut\u0103 pentru achizi\u021bia de utilaje sau pentru proiecte cu contracte \u00een euro, beneficiind de condi\u021bii de rambursare mai stabile.<\/li>\n<\/ul>\n

    Totu\u0219i, cre\u0219terea creditelor \u00een valut\u0103 necesit\u0103 o monitorizare atent\u0103. Raportul BNR arat\u0103 c\u0103 rata creditelor neperformante pentru \u00eemprumuturile \u00een valut\u0103 ale companiilor este \u00een cre\u0219tere, iar gradul de acoperire la riscul valutar (hedging) este redus. Firmele f\u0103r\u0103 venituri \u00een valut\u0103 se expun la fluctua\u021bii de curs care pot majora semnificativ ratele \u00een lei, iar b\u0103ncile ar putea introduce amortizoare de capital suplimentare dac\u0103 riscul sistemic cre\u0219te.<\/p>\n

    Concluzie<\/h2>\n

    \u00cen prezent, b\u0103ncile rom\u00e2ne\u0219ti acord\u0103 majoritatea creditelor pentru popula\u021bie \u00een lei, \u00een timp ce finan\u021b\u0103rile \u00een euro sau alte valute sunt aproape inexistente pentru persoanele fizice. Conform BNR, creditele \u00een valut\u0103 acordate popula\u021biei reprezint\u0103 doar 8 % din portofoliu, iar noile \u00eemprumuturi \u00een valut\u0103 au o pondere de 0,2 %. Aceast\u0103 orientare c\u0103tre lei este sus\u021binut\u0103 de reglement\u0103rile BNR \u0219i de dorin\u021ba b\u0103ncilor de a reduce riscul de curs pentru clien\u021bi.<\/p>\n

    Ce moned\u0103 alegi pentru credit r\u0103m\u00e2ne, a\u0219adar, o decizie strategic\u0103: popula\u021bia se protejeaz\u0103 \u00eemprumut\u00e2nd \u00een lei, iar companiile trebuie s\u0103-\u0219i armonizeze moneda creditelor cu valuta \u00een care realizeaz\u0103 veniturile.<\/p>\n

    \u00centreb\u0103ri frecvente<\/h2>\n

    1. \u00cen ce moned\u0103 se acord\u0103 majoritatea creditelor pentru popula\u021bie?<\/h3>\n

    Majoritatea creditelor pentru popula\u021bie sunt acordate \u00een lei. La sf\u00e2r\u0219itul lui septembrie 2025, creditele \u00een valut\u0103 reprezentau doar 8 % din portofoliul bancar al gospod\u0103riilor, iar noile \u00eemprumuturi \u00een valut\u0103 aveau o pondere de 0,2 %.<\/p>\n

    2. Pot s\u0103 iau un credit ipotecar \u00een euro \u00een 2026?<\/h3>\n

    Da, unele b\u0103nci ofer\u0103 credite ipotecare \u00een euro, dar acestea sunt destinate \u00een principal persoanelor cu venituri \u00een euro sau celor care locuiesc \u00een str\u0103in\u0103tate. Creditul ipotecar \u00een lei r\u0103m\u00e2ne op\u021biunea preferat\u0103 pentru majoritatea clien\u021bilor.<\/p>\n

    3. De ce sunt creditele \u00een lei mai populare dec\u00e2t cele \u00een euro?<\/h3>\n

    Creditele \u00een lei elimin\u0103 riscul valutar \u0219i sunt aliniate cu veniturile majorit\u0103\u021bii debitorilor. Reglement\u0103rile BNR \u0219i evolu\u021bia IRCC au f\u0103cut ca \u00eemprumuturile \u00een lei s\u0103 fie mai stabile \u0219i mai transparente.<\/p>\n

    4. Care sunt riscurile unui credit \u00een valut\u0103?<\/h3>\n

    Principalul risc este fluctua\u021bia cursului de schimb. Dac\u0103 veniturile tale sunt \u00een lei \u0219i moneda na\u021bional\u0103 se depreciaz\u0103, rata lunar\u0103 a unui credit \u00een euro sau dolari cre\u0219te propor\u021bional. De aceea, creditele \u00een valut\u0103 sunt recomandate doar celor cu venituri stabile \u00een moneda respectiv\u0103.<\/p>\n

    5. De ce prefer\u0103 companiile s\u0103 se \u00eemprumute \u00een valut\u0103?<\/h3>\n

    Companiile exportatoare sau cele cu venituri \u00een euro\/dolari aleg creditele \u00een valut\u0103 pentru a beneficia de dob\u00e2nzi mai mici \u0219i pentru a evita conversia valutar\u0103. \u00cen 2025, 49,1 % din portofoliul de credite acordate companiilor nefinanciare era denominat \u00een valut\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Timpul estimat pentru citire: <\/span> 5<\/span> minute<\/span><\/span>Moneda creditelor acordate de b\u0103nci: o analiz\u0103 pentru 2025-2026 \u00centrebarea \u201e\u00een ce moned\u0103 acord\u0103 \u00een prezent b\u0103ncile credite?\u201d a devenit tot mai important\u0103 pentru rom\u00e2nii care vor s\u0103 se \u00eemprumute, dar \u0219i pentru companiile ce \u00ee\u0219i planific\u0103 investi\u021biile. \u00cen ultimii ani, structura portofoliilor de creditare din Rom\u00e2nia s\u2011a schimbat semnificativ: popula\u021bia prefer\u0103 \u00eemprumuturile \u00een lei, \u00een timp ce firmele revin […]<\/p>\n","protected":false},"author":9,"featured_media":4548,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-4565","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diverse"],"yoast_head":"\n\u00cen ce moned\u0103 acord\u0103 \u00een prezent b\u0103ncile credite? 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