{"id":862861,"date":"2025-09-30T00:00:00","date_gmt":"2025-09-29T21:00:00","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=862861"},"modified":"2025-09-30T00:00:00","modified_gmt":"2025-09-29T21:00:00","slug":"ircc-a-fost-stabilit-la-o-valoare-record-de-la-1-octombrie","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=862861","title":{"rendered":"IRCC A FOST STABILIT LA O VALOARE RECORD, DE LA 1 OCTOMBRIE"},"content":{"rendered":"<div class=\"td-post-content\">\n<div class=\"td-post-featured-image\"><a href=\"https:\/\/analyse.optim.biz\/wp-content\/uploads\/2025\/12\/ircc.jpg\" data-caption><img loading=\"lazy\" decoding=\"async\" width=\"696\" height=\"488\" class=\"entry-thumb td-modal-image\" src=\"https:\/\/analyse.optim.biz\/wp-content\/uploads\/2025\/12\/ircc-696x488-1.jpg\" title=\"IRCC\"><\/a><\/div>\n<p>De miercuri, 1 octombrie, indicele IRCC va urca de la 5,55% la 6,06%, cel mai ridicat nivel de la introducerea acestui indice. Aceasta \u00eenseamn\u0103 c\u0103 persoanele cu credite variabile \u00een lei vor resim\u021bi o presiune suplimentar\u0103 asupra ratelor lunare.<\/p>\n<p>Rom\u00e2nia se lupt\u0103 cu un deficit bugetar ridicat: pentru primele 7 luni din 2025, deficitul consolidat este de 76,44 miliarde lei, adic\u0103 4,04% din PIB.<\/p>\n<p>Pe ansamblu, 2025 este estimat s\u0103 \u00eencheie cu un deficit de 8,6% din PIB, conform prognozelor Comisiei Europene.<\/p>\n<p>Acest dezechilibru fiscal for\u021beaz\u0103 statul s\u0103 se \u00eemprumute mai scump, ceea ce majoreaz\u0103 costurile de finan\u021bare ale b\u0103ncilor \u0219i, implicit, dob\u00e2nzile percepute clien\u021bilor.<\/p>\n<p>Oferta de credite fixe devine tot mai restr\u00e2ns\u0103 sub pragul de 5%. Majoritatea ofertelor bancare se situeaz\u0103 \u00eentre 5,15% \u0219i 5,20%, ceea ce le face greu accesibile pentru cei afla\u021bi \u00een c\u0103utarea unor variante stabile pe termen lung.<\/p>\n<p>Refinan\u021b\u0103rile sunt rare: doar 0,4% dintre debitori \u0219i-au refinan\u021bat creditele ipotecare \u00een ultimul an.<\/p>\n<p>Aceasta \u00eenseamn\u0103 c\u0103 majoritatea popula\u021biei va resim\u021bi direct \u0219ocul major\u0103rii IRCC, f\u0103r\u0103 s\u0103 poat\u0103 migra u\u0219or la oferte mai bune.<\/p>\n<\/div>\n<p> Source URL: https:\/\/newss.ro\/2025\/09\/30\/ircc-a-fost-stabilit-la-o-valoare-record-de-la-1-octombrie\/<\/p>\n","protected":false},"excerpt":{"rendered":"<p>De miercuri, 1 octombrie, indicele IRCC va urca de la 5,55% la 6,06%, cel mai ridicat nivel de la introducerea acestui indice. Aceasta \u00eenseamn\u0103 c\u0103 persoanele cu credite variabile \u00een lei vor resim\u021bi o presiune suplimentar\u0103 asupra ratelor lunare. Rom\u00e2nia se lupt\u0103 cu un deficit bugetar ridicat: pentru primele 7 luni din 2025, deficitul consolidat [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":862862,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[73],"class_list":["post-862861","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politics","tag-newss-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/862861","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=862861"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/862861\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/media\/862862"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=862861"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=862861"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=862861"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}