{"id":476380,"date":"2024-12-25T06:56:43","date_gmt":"2024-12-25T03:56:43","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=476380"},"modified":"2024-12-25T06:56:43","modified_gmt":"2024-12-25T03:56:43","slug":"ce-s-a-intamplat-in-anul-2024-cu-dobanda-de-politica-monetara-si-dobanzile-din-piata-bnr-a-redus-de-doua-ori-rata-cheie-in-2024-pana-la-65-robor-si-ircc-au-scazut-sub-6","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=476380","title":{"rendered":"Ce s-a \u00eent\u00e2mplat \u00een anul 2024 cu dob\u00e2nda de politic\u0103 monetar\u0103 \u015fi dob\u00e2nzile din pia\u0163\u0103? BNR a redus de dou\u0103 ori rata-cheie \u00een 2024, p\u00e2n\u0103 la 6,5%. ROBOR \u015fI IRCC au sc\u0103zut sub 6%"},"content":{"rendered":"<div class=\"text-content\">\n<p><strong>BNR a dat \u00een vara anului 2024 star\u00adtul relax\u0103rii monetare, a\u015f\u00adtep\u00adtat\u0103 de toat\u0103 lumea, re\u00addu\u00adc\u00e2nd de dou\u0103 ori dob\u00e2nda-cheie, p\u00e2n\u0103 la 6,5%, de la 7% \u00een 2023. \u015ei dob\u00e2nzile pe pia\u0163a interbancar\u0103 au sc\u0103zut, ROBOR \u015fi IRCC fiind sub 6%. Infla\u00ad\u0163ia anual\u0103 a fost \u00een noiembrie 2024 de 5,1%, sub nivelul din 2023, dar \u015fi sub dob\u00e2nda-cheie.<\/strong><\/p>\n<p> Sc\u0103derea infla\u0163iei a convins boardul b\u0103ncii centrale s\u0103 reduc\u0103 \u00een luna iulie 2024 dob\u00e2nda-cheie la 6,75%, de la nivelul de 7% unde a sta\u0163ionat timp de un an \u015fi jum\u0103tate. Ulterior, \u00een luna august Banca Na\u0163ional\u0103 a Rom\u00e2niei (BNR) a mai operat o ajustare a ratei-cheie, p\u00e2n\u0103 la 6,5%, nivel men\u0163inut apoi p\u00e2n\u0103 la finalul anului.<\/p>\n<p> Semnalele transmise dinspre banca central\u0103 indic\u0103 posibilitatea relu\u0103rii procesului de reducere a dob\u00e2nzii-cheie \u00een perspectiv\u0103, imediat ce infla\u0163ia se duce \u00een jos \u00eentr-o manier\u0103 sus\u0163inut\u0103, sustenabil\u0103.<\/p>\n<p> \u015ei dob\u00e2nzile pe pia\u0163a interbancar\u0103 au sc\u0103zut. Indicele ROBOR la 3 luni, folosit pentru calcularea dob\u00e2nzilor variabile la creditele retail \u00een lei contractate \u00eenainte de luna mai 2019, precum \u015fi pentru creditele curente ale companiilor \u00een lei, a cobor\u00e2t p\u00e2n\u0103 la 5,91%. Iar \u00een T4\/2024 indicele de referin\u0163\u0103 pentru creditele consumatorilor (IRCC), folosit la creditele de dup\u0103 mai 2019, a fost de 5,99%.<\/p>\n<p> \u00cen 2024, infla\u0163ia a cobor\u00e2t treptat, rata anual\u0103 ajung\u00e2nd \u00een noiembrie la 5,1%, sub nivelul din 2023 de circa 7%, dar \u015fi sub dob\u00e2nda-cheie.<\/p>\n<p> Privind situa\u0163ia politicii monetare re\u00adtrospectiv, ne amintim c\u0103 \u00een anul 2023 BNR a realizat o majorare a dob\u00e2nzii-cheie, p\u00e2n\u0103 la 7%, dup\u0103 cele opt cre\u015fteri operate \u00een 2022.<\/p>\n<div>\u00a0<\/div>\n<\/div>\n<p> Source URL: https:\/\/www.zf.ro\/banci-si-asigurari\/ce-s-a-intamplat-in-anul-2024-cu-dobanda-de-politica-monetara-si-22622169<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BNR a dat \u00een vara anului 2024 star\u00adtul relax\u0103rii monetare, a\u015f\u00adtep\u00adtat\u0103 de toat\u0103 lumea, re\u00addu\u00adc\u00e2nd de dou\u0103 ori dob\u00e2nda-cheie, p\u00e2n\u0103 la 6,5%, de la 7% \u00een 2023. \u015ei dob\u00e2nzile pe pia\u0163a interbancar\u0103 au sc\u0103zut, ROBOR \u015fi IRCC fiind sub 6%. Infla\u00ad\u0163ia anual\u0103 a fost \u00een noiembrie 2024 de 5,1%, sub nivelul din 2023, dar \u015fi [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":476381,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[28],"class_list":["post-476380","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politics","tag-zf-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/476380","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=476380"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/476380\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/media\/476381"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=476380"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=476380"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=476380"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}