Sute de mii de români vor plăti rate mai mari din 2 noiembrie – Cu cât cresc dobânzile la ratele în euro

Creditele în moneda europeană au revenit în atenția românilor care vor un împrumut în această perioadă de criză, pentru că dobânzile sunt mai mici. Dar veștile nu sunt bune. Banca Centrală Europeană a majorat cu 75 de procente dobânda pentru creditele în valută. Măsura luată săptămâna aceasta se va vedea la bugetul celor care au credite din data de 2 noiembrie. 

În acest an marcat de dobânzi record la împrumuturile în lei, băncile au dat neașteptat de multe credite în euro. Clientii au imprumutat aproape 13 milioane de euro pana in luna august, bani pe care i-au folosit oentru a si achizitiona locuinte.

„Dacă ne gândim la celebrul Euribor, cu siguranță că vor fi afectați românii.Însă problema este de altă natură, problema este că se scumpește creditul, investitorii europeni fac un pas în spate. 
Euro va va fi în continuare pe aceelași curs și nu se va aprecia puternic, Banca Națională va apăra în continuare leul”, a explicat analistul economic Adrian Bența, la Realitatea PLUS.

Motivul pentru care creditele în euro au devenit iar interesante este că dobânda este iar mult mai mică față de cele în lei. Pentru creditele în moneda unică europeană e folosit indicele Euribor, iar pentru lei – ROBOR și, după 2019, IRCC. Dacă facem o comparație numai între ele, fără marja băncii, vedem că ROBOR la trei luni este situat sus de tot, la peste 8%. IRCC e jumătate din el, iar Euribor – la 1,5%.

INDICATORII DUPĂ CARE SE CALCULEAZĂ RATELE ROMÂNILOR

ROBOR (3 luni) – 8,2
EURIBOR (3 luni) – 1,6
IRCC – 4,06

Sursa: BNR

„EURIBORUL a început să crească susținut de la jumătatea acestui an, de când este pozitiv, nu mai este negativ. Deja se îndreaptă către 2 la sută, acum este la 1,6, la EURIBORUL la 3 luni. Înseamnă că vor crește ratele și la creditele în euro. De exemplu, la un credit de 50.000 de euro pentru 30 de ani, față de acum 6 luni, deja rata a crescut cu 65 de euro”, a explicat consultantul financiar Irina Chițu, pentru Realitatea PLUS. 

LA CÂT SE RIDICĂ VALOAREA RATEI ÎN FUNCȚIE DE EURIBOR

CREDIT 50.000 EURO, 30 DE ANI

EURIBOR 1,57 – 286 EURO
EURIBOR 0,23 – 246 EURO
EURIBOR -0,44 – 226 EURO

Sursa: Finzoom 

Cine ia acum un credit pentru casă în moneda europeană se poate aștepta la o dobândă de aproape 4%, pe când la lei ajunge la 6%. Numai că sunt riscuri în plus pentru cei care se împrumută, dacă nu sunt plătiți în această monedă.

„Banca Central Europeană (BCE) a întârziat foarte mult creșterea dobânzilor, abia în iulie anul acesta a făcut prima mutare, în septembrie pe a doua și acum pe a treia, 0,75%. A anunțat, ăsta e adevărul, că vor urma și alte creșteri, deci rata va tot urca, pentru că scopul BCE este să aducă inflația la 2”, a declarat Adrian Vasilescu, consilierul Guvernatorului BNR, pentru Realitatea PLUS.

Banca Centrală Europeană (BCE) a luat o decizie istorică: a majorat dobânda de referință cu 75 puncte de bază, astfel că dublează dobânda pentru facilitatea de depozit și crește substanțial celelalte două dobânzi cheie.

Cu atât mai mare va fi impactul în România, pentru că românii și firmele au preferat creditele în euro după creșterea dobânzilor în lei.

Potrivit deciziei BCE din 27 octombrie, rata dobânzii la operaţiunile principale de refinanţare şi ratele dobânzilor la facilitatea de creditare marginală şi la facilitatea de depozit vor creşte la 2,00%, 2,25% şi, respectiv, 1,50% începând cu data de 2 noiembrie 2022.

Odată cu explozia indicelui ROBOR, tot mai mulți români au trecut la indicele IRCC. Acum mai sunt aproximativ 400.000 de români dintr-un total de 2 milioane de împrumutați, care mai au credite raportate la ROBOR, potrivit Asociației Băncilor, relatează Realitatea PLUS. 

Sursa: Realitatea Financiara

Articolul precedentProtest de amploare în fața Ministerului Muncii. Pensionarii s-au legat cu lanțuri
Articolul următorConsumul crește, venitul disponibil scade

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