{"id":761,"date":"2023-12-13T16:14:28","date_gmt":"2023-12-13T14:14:28","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=761"},"modified":"2024-08-07T09:49:50","modified_gmt":"2024-08-07T06:49:50","slug":"ce-este-ircc-ircc-vs-robor","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/ce-este-ircc-ircc-vs-robor\/","title":{"rendered":"Ce este IRCC? IRCC vs. ROBOR"},"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\"> 4<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\" wp-image-763 alignleft\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/12\/Ce-este-IRCC-1.png\" alt=\"\" width=\"262\" height=\"220\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/12\/Ce-este-IRCC-1-200x168.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/12\/Ce-este-IRCC-1-300x251.png 300w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/12\/Ce-este-IRCC-1-400x335.png 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/12\/Ce-este-IRCC-1-600x503.png 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/12\/Ce-este-IRCC-1-768x644.png 768w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/12\/Ce-este-IRCC-1-800x671.png 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2023\/12\/Ce-este-IRCC-1.png 940w\" sizes=\"(max-width: 262px) 100vw, 262px\" \/><\/span><\/p>\n<p><strong>Pentru a putea explica ce este IRCC-ul, ar fi bine s\u0103 \u00eencepem cu \u201cstr\u0103mo\u0219ul\u201d lui, \u0219i anume, ROBOR-ul.\u00a0<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h4><b>???? Ce este ROBOR?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">ROBOR (Romanian Interbank Offer Rate) este un indice de referin\u021b\u0103 utilizat\u00a0 p\u00e2n\u0103 \u00een luna mai 2019 \u00een calcularea ratelor creditelor cu dob\u00e2nzi variabile acordate populatiei. De\u0219i nu mai este folosit pentru \u00eemprumuturi cu dob\u00e2nzi variabile de atunci, r\u0103m\u00e2ne un indicator de baz\u0103 \u00een determinarea ratelor pentru creditele acordate popula\u021biei, av\u00e2nd \u00een vedere c\u0103 \u00een continuare mai exist\u0103 un num\u0103r mare de credite \u00een sold, acordate \u00eenainte de 2 mai 2019,\u00a0 ale c\u0103ror rate lunare sunt calculate utiliz\u00e2nd ROBOR.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">ROBOR <\/span><span style=\"font-weight: 400;\">reprezint\u0103 rata medie a dob\u00e2nzii la care b\u0103ncile din Rom\u00e2nia sunt dispuse s\u0103-\u0219i \u00eemprumute reciproc fonduri pe termen scurt.<\/span><span style=\"font-weight: 400;\"> Este un element crucial \u00een rela\u021bia dintre b\u0103nci, cu o dinamic\u0103 influen\u021bat\u0103 de cererea \u0219i oferta din pia\u021b\u0103.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><b>???? Ce este IRCC?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">IRCC (Indicele de Referin\u021b\u0103 pentru Creditele Consumatorilor) este noul indice de referin\u021b\u0103 utilizat \u00een calcularea ratelor creditelor cu dob\u00e2nzi variabile pentru \u00eemprumuturile noi acordate popula\u021biei \u00eencep\u00e2nd cu 2 mai 2019.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen esen\u021b\u0103, IRCC este utilizat pentru determinarea ratelor dob\u00e2nzilor variabile pentru <a href=\"https:\/\/123credit.ro\/credit-ipotecar\"><span style=\"text-decoration: underline;\">creditele ipotecare<\/span><\/a> \u0219i <a href=\"https:\/\/123credit.ro\/credit-nevoi-personale\"><span style=\"text-decoration: underline;\">de consum<\/span><\/a> acordate persoanelor fizice. Acesta reflect\u0103 costul cu care b\u0103ncile se finan\u021beaz\u0103 de pe pia\u021ba monetar\u0103 \u0219i influen\u021beaz\u0103 direct suma pe care consumatorii o pl\u0103tesc ca dob\u00e2nd\u0103 pentru creditele lor. Prin introducerea IRCC, autorit\u0103\u021bile de reglementare urm\u0103resc s\u0103 creeze un mediu de creditare mai echitabil \u0219i mai transparent pentru consumatori.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><b>???? Cum se calculeaza IRCC-ul?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">IRCC este calculat de c\u0103tre Banca Na\u021bional\u0103 a Rom\u00e2niei (BNR) ca medie aritmetic\u0103 a ratelor dob\u00e2nzilor interbancare din ziua anterioar\u0103 \u0219i este actualizat trimestrial. Aceast\u0103 metod\u0103 de calcul are ca scop reducerea volatilit\u0103\u021bii \u0219i asigurarea unei mai mari predictibilit\u0103\u021bi a costurilor \u00eemprumuturilor pentru consumatori.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen ceea ce prive\u0219te actualizarea trimestriala a\u00a0 IRCC, acesta se comunic\u0103 \u00een prima zi lucr\u0103toare a fiec\u0103rui trimestru: 1 ianuarie, 1 aprilie, 1 iulie, 1 octombrie.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">IRCC-ul care se va aplica \u00eentr-un trimestru este cel determinat pe baza mediei aritmetice a cota\u021biilor zilnice ale IRCC \u00eenregistrate cu 2 trimestre \u00een urm\u0103. Spre exemplu, valorile IRCC care se aplica \u00eentre 1 ianuarie si 31 martie, a fost determinat pe baza mediilor aritmetice ale indicilor IRCC zilnici din perioada 1 iulie-30 septembrie ale anului anterior. Se iau \u00een considerare doar zilele lucr\u0103toare \u00een care au avut loc tranzac\u021bii.Aceast\u0103 variant\u0103 a IRCC-ului este esen\u021bial\u0103 pentru institu\u021biile de credit \u00een stabilirea dob\u00e2nzilor variabile pentru \u00eemprumuturile acordate consumatorilor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Valorile IRCC sunt publicate zilnic de c\u0103tre BNR la ora 11, simultan cu indicarea indicelui ROBOR, oferind astfel transparen\u021b\u0103 \u0219i informa\u021bii relevante pentru pia\u021ba financiar\u0103.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><b>???? IRCC sau ROBOR?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Pentru creditele nou acordate popula\u021biei alegerea \u00eentre IRCC \u0219i ROBOR nu este o op\u021biune, \u00een prezent toate credite cu dob\u00e2nzi variabile acordate persoanelor fizice fiind calculate utiliz\u00e2nd IRCC.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen schimb, pentru creditele cu dob\u00e2nzi variabile acordate \u00eenainte de 2 mai 2019, compara\u021bia dintre a pl\u0103ti \u00een continuare dob\u00e2nzi \u0219i rate calculate cu ROBOR sau a migra la IRCC\u00a0 depinde de mai mul\u021bi factori \u0219i de situa\u021bia individual\u0103 a fiec\u0103rui \u00eemprumutat. \u00cen teorie, un indice care conduce la o rat\u0103 mai mic\u0103 poate p\u0103rea atractiv, dar \u00een practic\u0103 exist\u0103 mai multe aspecte de luat \u00een considerare.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pe termen scurt, \u00eentr-o perioad\u0103 de cre\u0219tere a dob\u00e2nzilor, ROBOR poate oferi rate mai mici dec\u00e2t IRCC, datorit\u0103 modului s\u0103u de calcul bazat pe datele din urm\u0103 cu dou\u0103 trimestre. Cu toate acestea, pe termen mediu \u0219i lung, atunci c\u00e2nd dob\u00e2nzile \u00eencep s\u0103 scad\u0103, IRCC poate r\u0103m\u00e2ne mai sus, reflect\u00e2nd aceast\u0103 sc\u0103dere cu \u00eent\u00e2rziere de p\u00e2n\u0103 la 6 luni. Exist\u0103 mecanisme de conversie de la ROBOR la IRCC, dar trecerea \u00eenapoi nu este posibil\u0103. O alt\u0103 op\u021biune pentru a gestiona fluctua\u021biile dob\u00e2nzilor este trecerea la un credit ipotecar cu dob\u00e2nd\u0103 fix\u0103 \u00een primii ani, dac\u0103 la momentul c\u00e2nd se face analiza dob\u00e2nzile fixe sunt mai avantajoase.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span style=\"font-weight: 400;\">Evolu\u021bia viitoare a IRCC \u0219i ROBOR este dificil de prezis, fiind influen\u021bat\u0103 de factori economici externi \u0219i de volatilitatea economic\u0103 intern\u0103. De la introducerea IRCC \u00een 2019 \u0219i p\u00e2n\u0103 \u00een prezent, acesta a avut valori inferioare ROBOR-ului, dar decizia \u00eentre cei doi indici depinde \u00een mare m\u0103sur\u0103 de toleran\u021ba la riscuri \u0219i de perspectivele economice individuale.<\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">???? C\u00e2nd te g\u00e2nde\u0219ti s\u0103 iei un credit, fie c\u0103 vorbim de un credit de consum sau de unul pentru locuin\u021b\u0103, alegerea tipului de dob\u00e2nd\u0103, variabil\u0103 calculat\u0103 cu IRCC sau fix\u0103, trebuie s\u0103 fie o decizie bine informat\u0103, bazat\u0103 pe datele ofertelor disponibile \u00een acel moment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen plus, un contract de credit nu te limiteaz\u0103 \u00een niciun fel. \u00cen orice moment ai op\u021biunea de a refinan\u021ba, \u00een cazul \u00een care exist\u0103 oferte mai\u00a0 bune.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span style=\"font-weight: 400;\">???? <\/span>\u0218tim c\u0103 este dificil s\u0103 alegi creditul potrivit, dar \u00een aceste situa\u021bii <a href=\"https:\/\/123credit.ro\/consultanti-credite\"><span style=\"text-decoration: underline;\">speciali\u0219tii no\u0219tri \u00een creditare<\/span><\/a> \u00ee\u021bi stau la dispozi\u021bie.<\/h4>\n<p>&nbsp;<\/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\"> 4<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>Pentru a putea explica ce este IRCC-ul, ar fi bine s\u0103 \u00eencepem cu \u201cstr\u0103mo\u0219ul\u201d lui, \u0219i anume, ROBOR-ul.\u00a0 &nbsp; ???? Ce este ROBOR? ROBOR (Romanian Interbank Offer Rate) este un indice de referin\u021b\u0103 utilizat\u00a0 p\u00e2n\u0103 \u00een luna mai 2019 \u00een calcularea ratelor creditelor cu dob\u00e2nzi variabile acordate populatiei. De\u0219i nu mai este folosit pentru \u00eemprumuturi cu dob\u00e2nzi variabile de atunci,  [&#8230;]<\/p>\n","protected":false},"author":9,"featured_media":762,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-761","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cum-alegi-credit-ipotecar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ce este IRCC? 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