{"id":7622,"date":"2019-05-03T07:53:13","date_gmt":"2019-05-03T04:53:13","guid":{"rendered":"https:\/\/businessexpress.ro\/?p=7622"},"modified":"2026-01-03T22:03:38","modified_gmt":"2026-01-03T20:03:38","slug":"rata-creditelor-pentru-prima-casa-prima-masina-si-investeste-in-tine-se-calculeaza-cu-noul-indice-de-referinta","status":"publish","type":"post","link":"https:\/\/businessexpress.ro\/ro\/rata-creditelor-pentru-prima-casa-prima-masina-si-investeste-in-tine-se-calculeaza-cu-noul-indice-de-referinta\/","title":{"rendered":"Rata creditelor pentru &#8220;Prima cas\u0103&#8221;, &#8220;Prima Ma\u015fin\u0103&#8221; \u015fi &#8220;Investe\u015fte \u00een tine&#8221; se calculeaz\u0103 cu noul indice de referin\u021b\u0103"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Regula includerii \u00een formula de calcul a ratei de dob\u00e2nd\u0103 a indicelui de referin\u0163\u0103 calculat trimestrial exclusiv pe baza tranzac\u0163iilor interbancare se aplic\u0103 \u015fi programelor guvernamentale cu garan\u0163ia statului, respectiv &#8220;Prima cas\u0103&#8221;, &#8220;Prima Ma\u015fin\u0103&#8221; \u015fi &#8220;Investe\u015fte \u00een tine&#8221;, a anun\u0163at Ministerul Finan\u0163elor Publice (MFP).&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"1000\" height=\"670\" data-attachment-id=\"7623\" data-permalink=\"https:\/\/businessexpress.ro\/ro\/rata-creditelor-pentru-prima-casa-prima-masina-si-investeste-in-tine-se-calculeaza-cu-noul-indice-de-referinta\/9f88216a-98b3-4034-833b-34d83d952ebc\/\" data-orig-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/05\/9F88216A-98B3-4034-833B-34D83D952EBC.jpeg?fit=800%2C536&amp;ssl=1\" data-orig-size=\"800,536\" data-comments-opened=\"0\" data-image-title=\"9F88216A-98B3-4034-833B-34D83D952EBC\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/05\/9F88216A-98B3-4034-833B-34D83D952EBC.jpeg?fit=1000%2C670&amp;ssl=1\" data-src=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/05\/9F88216A-98B3-4034-833B-34D83D952EBC.jpeg?resize=1000%2C670&#038;ssl=1\" alt=\"\" class=\"wp-image-7623 lazyload\" data-srcset=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/05\/9F88216A-98B3-4034-833B-34D83D952EBC.jpeg?resize=1024%2C686&amp;ssl=1 1024w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/05\/9F88216A-98B3-4034-833B-34D83D952EBC.jpeg?resize=300%2C201&amp;ssl=1 300w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/05\/9F88216A-98B3-4034-833B-34D83D952EBC.jpeg?resize=768%2C515&amp;ssl=1 768w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/05\/9F88216A-98B3-4034-833B-34D83D952EBC.jpeg?w=800&amp;ssl=1 800w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/670;\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">,,Astfel, pentru creditele acordate \u00een moned\u0103 na\u0163ional\u0103 rata de dob\u00e2nd\u0103 va fi compus\u0103 din indicele de referin\u0163\u0103 calculat trimestrial exclusiv pe baza tranzac\u0163iilor interbancare, la care creditorul poate s\u0103 adauge o anumit\u0103 marj\u0103 fix\u0103 pe toat\u0103 perioada derul\u0103rii contractului. Indicele de referin\u0163\u0103 pentru credite acordate \u00een lei cu dob\u00e2nd\u0103 variabil\u0103 se public\u0103 \u00een fiecare zi lucr\u0103toare pe site-ul B\u0103ncii Na\u0163ionale a Rom\u00e2niei \u015fi reprezint\u0103 rata de dob\u00e2nd\u0103 calculat\u0103 ca medie ponderat\u0103 a ratelor de dob\u00e2nd\u0103 cu volumele tranzac\u0163iilor de pe pia\u0163a interbancar\u0103. Indicele de referin\u0163\u0103 se calculeaz\u0103 la finalul fiec\u0103rui trimestru, ca medie aritmetic\u0103 a ratelor de dob\u00e2nd\u0103 zilnice determinate pentru trimestrul anterior, urm\u00e2nd a se aplica de fiecare institu\u0163ie de credit pentru trimestrul urm\u0103tor. Noul indice de referin\u0163\u0103 se aplic\u0103 at\u00e2t creditelor noi acordate, la refinan\u0163area creditelor aflate \u00een derulare c\u00e2t \u015fi contractelor aflate \u00een derulare cu acordul p\u0103r\u0163ilor formalizat prin act adi\u0163ional la contractul de credit&#8221;, se men\u0163ioneaz\u0103 \u00eentr-un comunicat remis AGERPRES.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Banca Na\u0163ional\u0103 a Rom\u00e2niei a anun\u0163at, joi, c\u0103 indicele de referin\u0163\u0103 trimestrial pentru creditele acordate consumatorilor (IRCC), care \u00eenlocuie\u0219te ROBOR, \u00een func\u0163ie de care sunt calculate dob\u00e2nzile la creditele \u00een lei, este 2,36%.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Regula includerii \u00een formula de calcul a ratei de dob\u00e2nd\u0103 a indicelui de referin\u0163\u0103 calculat trimestrial exclusiv pe baza tranzac\u0163iilor interbancare se aplic\u0103 \u015fi programelor guvernamentale cu garan\u0163ia statului, respectiv &#8220;Prima cas\u0103&#8221;, &#8220;Prima Ma\u015fin\u0103&#8221; \u015fi &#8220;Investe\u015fte \u00een tine&#8221;, a anun\u0163at Ministerul Finan\u0163elor Publice (MFP).&nbsp; ,,Astfel, pentru creditele acordate \u00een moned\u0103 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7623,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"wpzoom_is_breaking":1,"source_url":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[9,17],"tags":[],"class_list":["post-7622","post","type-post","status-publish","format-standard","has-post-thumbnail","category-actual","category-economic"],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paH2fj-1YW","jetpack_featured_media_url":"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/05\/9F88216A-98B3-4034-833B-34D83D952EBC.jpeg?fit=800%2C536&ssl=1","_links":{"self":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/7622","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/comments?post=7622"}],"version-history":[{"count":1,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/7622\/revisions"}],"predecessor-version":[{"id":7624,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/7622\/revisions\/7624"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media\/7623"}],"wp:attachment":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media?parent=7622"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/categories?post=7622"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/tags?post=7622"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}