{"id":144,"date":"2015-03-10T09:57:52","date_gmt":"2015-03-10T09:57:52","guid":{"rendered":"http:\/\/demo.athemes.com\/sydney\/?p=144"},"modified":"2015-03-10T09:57:52","modified_gmt":"2015-03-10T09:57:52","slug":"dont-miss-our-next-event","status":"publish","type":"post","link":"https:\/\/www.verida.ro\/en\/2015\/03\/10\/dont-miss-our-next-event\/","title":{"rendered":"DOBAND\u0102 FIX\u0102 SAU VARIABIL\u0102?"},"content":{"rendered":"<div class=\"stm_post_info\">\n<div class=\"stm_post_details clearfix\">\n<div class=\"comments_num\"><\/div>\n<\/div>\n<\/div>\n<div class=\"text_block clearfix\">\n<p>A alege \u00eentre dob\u00e2nd\u0103 fix\u0103 sau variabil\u0103 pentru creditul ipotecar nu este o decizie simpl\u0103 \u0219i de aceea vom \u00eencepem prin a ar\u0103ta care este diferen\u021ba \u00eentre aceste dou\u0103 dob\u00e2nzi.<\/p>\n<p>O dob\u00e2nd\u0103 fix\u0103 va r\u0103m\u00e2ne neschimbat\u0103 pe toat\u0103 perioad\u0103 contractului cu institu\u021bia creditoare, durata contractului fiind pe o perioad\u0103 de maxim 30 ani. O dob\u00e2nd\u0103 fix\u0103 ofer\u0103 stabilitate \u0219i posibilitatea de a pl\u0103nui un buget f\u0103r\u0103 surprize. Ve\u021bi \u0219ti exact c\u00e2t ve\u021bi pl\u0103ti pe durata aleas\u0103, toate acestea cu plata unei dob\u00e2nzi \u00een general mai mare dec\u00e2t cea variabil\u0103 \u00een acel moment.<\/p>\n<p>Dob\u00e2nda ipotecar\u0103 variabil\u0103 este calculat\u0103 pornind de la o dob\u00e2nd\u0103 de referin\u021b\u0103 variabil\u0103 Robor, Euribor sau Libor la care se adaug\u0103 marja fix\u0103 a b\u0103ncii.<\/p>\n<p>Dob\u00e2nda variabil\u0103 este foarte sensibil\u0103 la tendin\u021bele pie\u021bei financiare \u0219i astfel denot\u0103 instabilitate. Eventualul avantaj al ieftiniri creditelor se poate transforma \u00eentr-un dezavantaj \u00een cazul \u00een care dob\u00e2nzile cresc, astfel ca pute\u021bi ajunge la o rat\u0103 mai mare la credit.<\/p>\n<p>Av\u00e2nd \u00een vedere acest aspect, nu\u00a0cunoasteti cu exactitate c\u00e2t trebuie s\u0103 pl\u0103ti\u021bi lunile viitoare, iar\u00a0o cre\u0219tere mai mare a dob\u00e2nzilor va poate da peste cap bugetul.<\/p>\n<p><strong>Dob\u00e2nd\u0103 variabil\u0103 \u00een RON<\/strong>\u00a0este compus\u0103 dintr-o component\u0103 variabila\u00a0ROBOR\u00a0si o parte\u00a0FIXA\u00a0denumita\u00a0MARJA FIX\u0102 A B\u0102NCII.<\/p>\n<p>Indicele\u00a0ROBOR\u00a0are mai multe cota\u021bii, respectiv: ROBOR 1M (Robor la 1 lun\u0103), ROBOR 3M (la 3 luni), ROBOR 6M (la 6 luni) \u0219i ROBOR 12M (la 12 luni).<\/p>\n<p>Cei mai utiliza\u021bi indicii pentru stabilirea nivelului dob\u00e2nzilor variabile sunt\u00a0ROBOR 3M\u00a0si\u00a0ROBOR 6M.<\/p>\n<p>Atunci c\u00e2nd se acord\u0103 credite \u00een RON (credite de consum, credite imobiliare, credite ipotecare etc.),\u00a0bancile comerciale din Rom\u00e2nia adaug\u0103 la ROBOR o marj\u0103 suplimentar\u0103 \u00een func\u021bie de riscul clien\u021bilor b\u0103ncii respective \u0219i de marja de profit pe care o dore\u0219te banca.<\/p>\n<p>\u00cen acest fel, clientul care acceseaz\u0103 un credit \u00een RON de la o banc\u0103 comercial\u0103 va pl\u0103ti o rat\u0103 a dob\u00e2nzii la credit egala cu ROBOR (la 1 lun\u0103, la 3 luni, la 6 luni sau la 12 luni) plus marja fix\u0103 a b\u0103ncii.<\/p>\n<p>Deoarece marja este fix\u0103 pe toat\u0103 durat\u0103 creditului (cu anumite excep\u021bii prev\u0103zute de normele BNR),\u00a0dobanda lunar\u0103 pl\u0103tita efectiv de clien\u021bi variaz\u0103 numai \u00een func\u021bie de varia\u021bia ROBOR.\u00cen anumite cazuri, rata dob\u00e2nzii este actualizat\u0103 zilnic de c\u0103tre banc\u0103, \u00een func\u021bie de indicele ROBOR\u00a0valabil \u00een fiecare zi.<\/p>\n<p>Astfel c\u0103, la acordarea creditului, rata dob\u00e2nzii va fi stabilit\u0103 \u00een func\u021bie de cea mai recent\u0103 rat\u0103 ROBOR anun\u021bat\u0103 de\u00a0BNR.\u2028Ulterior, pe durat\u0103 contractului, rata dob\u00e2nzii va fi actualizat\u0103 la fiecare 3 luni sau 6 luni \u00een func\u021bie de noile valori ale indicelui ROBOR.\u2028Alte b\u0103nci actualizeaz\u0103 rata dob\u00e2nzii \u00een func\u021bie de ROBOR la date calendaristice prestabilite.<\/p>\n<p>\u00cen cele mai multe cazuri, acestea coincid cu prima zi a fiec\u0103rui trimestru sau semestru al anului, mecanismul fiind explicat \u00een clauzele contractuale.\u2028In aceste situa\u021bii, actualizarea dob\u00e2nzii se va aplica simultan pentru to\u021bi clien\u021bii care au ob\u021binut credite de la banca respectiv\u0103.<\/p>\n<p>\u00cen concluzie, se poate alege o dob\u00e2nd\u0103 variabil\u0103 dac\u0103 bugetul dvs. nu este afectat \u00een momentul cre\u0219terii dob\u00e2nzii, deci \u0219i a pl\u0103\u021bii lunare a ratelor, sau pute\u021bi alege o dob\u00e2nd\u0103 fix\u0103 pentru confort \u0219i siguran\u021b\u0103.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A alege \u00eentre dob\u00e2nd\u0103 fix\u0103 sau variabil\u0103 pentru creditul ipotecar nu este o decizie simpl\u0103 \u0219i de aceea vom \u00eencepem&nbsp;[&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4272,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-144","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fara-categorie","post-item 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