{"id":79340,"date":"2024-12-17T10:56:33","date_gmt":"2024-12-17T08:56:33","guid":{"rendered":"https:\/\/financer.ro\/?p=79340"},"modified":"2024-12-19T10:57:24","modified_gmt":"2024-12-19T08:57:24","slug":"robor-vs-ircc","status":"publish","type":"post","link":"https:\/\/financer.ro\/finante-personale\/articole\/robor-vs-ircc\/","title":{"rendered":"ROBOR vs IRCC"},"content":{"rendered":"\n<p>\u00cen contextul pie\u021bei financiare din Rom\u00e2nia, <a href=\"https:\/\/financer.ro\/credit\/articole\/ce-este-indicele-robor\/\" data-type=\"wiki\" data-id=\"2264\">ROBOR<\/a> \u0219i <a href=\"https:\/\/financer.ro\/credit\/articole\/ce-este-ircc\/\" data-type=\"wiki\" data-id=\"3700\">IRCC<\/a> sunt doi indici de referin\u021b\u0103 care influen\u021beaz\u0103 semnificativ costurile creditelor \u00een lei. <\/p>\n\n\n\n<p>\u00cens\u0103 alegerea \u00eentre ROBOR vs IRCC nu este doar o chestiune de preferin\u021b\u0103, ci depinde de factori precum tipul creditului, condi\u021biile economice \u0219i strategia financiar\u0103 a fiec\u0103rei persoane.<\/p>\n\n\n\n<p>\u00cen acest articol, vom explora principalele caracteristici, avantajele \u0219i dezavantajele acestor doi indici, precum \u0219i modul cum au evoluat ei de-a lungul timpului.<\/p>\n\n\n\n<p>Scopul este acela de a te ajuta s\u0103 \u00een\u021belegi care este diferen\u021ba dintre ROBOR \u0219i IRCC \u0219i care dintre ei se potrive\u0219te mai bine planurilor tale viitoare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_reprezint_ROBOR_i_IRCC\">Ce reprezint\u0103 ROBOR \u0219i IRCC?<\/h2>\n\n\n\n<p>Ambii indici au fost trata\u021bi detaliat \u00een pagini dedicate pe care le po\u021bi g\u0103si aici:<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/financer.ro\/credit\/articole\/ce-este-indicele-robor\/\" data-type=\"wiki\" data-id=\"2264\">ROBOR<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.ro\/credit\/articole\/ce-este-ircc\/\" data-type=\"wiki\" data-id=\"3700\">IRCC<\/a><\/li>\n<\/ul>\n\n\n\n<p>Acesta este motivul pentru care, \u00een cele ce urmeaz\u0103, vom prezenta doar pe scurt ce sunt ei. <\/p>\n\n\n\n<p>Dac\u0103 vrei s\u0103 aflii mai multe detalii sau formulele matematice care stau la baza calculelor fiec\u0103ruia \u00een parte, \u00ee\u021bi suger\u0103m s\u0103 vizitezi link-urile de mai sus.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>ROBOR (Romanian Interbank Offer Rate)<\/strong><\/h4>\n\n\n\n<p>ROBOR este rata medie a dob\u00e2nzilor la care b\u0103ncile din Rom\u00e2nia sunt dispuse s\u0103 \u00eemprumute lei altor institu\u021bii financiare pe pia\u021ba interbancar\u0103. <\/p>\n\n\n\n<p>Acesta este calculat zilnic de Banca Na\u021bional\u0103 a Rom\u00e2niei (BNR) \u0219i include mai multe tipuri, precum ROBOR 3M \u0219i ROBOR 6M, utilizate \u00een special pentru creditele cu dob\u00e2nzi variabile acordate \u00eenainte de mai 2019.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>IRCC (Indicele de Referin\u021b\u0103 pentru Creditele Consumatorilor)<\/strong><\/h4>\n\n\n\n<p>IRCC este un indice introdus \u00een mai 2019, conceput ca alternativ\u0103 la ROBOR. <\/p>\n\n\n\n<p>Calculul s\u0103u se bazeaz\u0103 pe tranzac\u021biile interbancare efective, oferind o transparen\u021b\u0103 mai mare fa\u021b\u0103 de ROBOR. <\/p>\n\n\n\n<p>Valoarea IRCC este actualizat\u0103 trimestrial \u0219i se aplic\u0103 noilor credite de consum \u0219i ipotecare \u00eencep\u00e2nd cu trimestrul urm\u0103tor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Principalele_diferene_ntre_ROBOR_vs_IRCC\">Principalele diferen\u021be \u00eentre ROBOR vs IRCC<\/h2>\n\n\n\n<p>De\u0219i at\u00e2t ROBOR, c\u00e2t \u0219i IRCC sunt indici utiliza\u021bi pentru calcularea dob\u00e2nzilor creditelor cu dob\u00e2nd\u0103 variabil\u0103, ace\u0219tia prezint\u0103 diferen\u021be semnificative care \u00eei fac relevan\u021bi \u00een contexte financiare diferite. <\/p>\n\n\n\n<p>\u00cen\u021belegerea acestor diferen\u021be este important\u0103 pentru debitori, investitori \u0219i profesioni\u0219ti din domeniul financiar.<\/p>\n\n\n\n<p>Iat\u0103 cam care ar fi ele, pe scurt, dup\u0103 care le vom analiza individual pe cele mai importante:<\/p>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Caracteristic\u0103<\/th><th class=\"has-text-align-center\" data-align=\"center\">ROBOR<\/th><th class=\"has-text-align-center\" data-align=\"center\">IRCC<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Metodologia de calcul<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Media cota\u021biilor oferite de 10 b\u0103nci mari<\/td><td class=\"has-text-align-center\" data-align=\"center\">Media ponderat\u0103 a dob\u00e2nzilor tranzac\u021biilor reale<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Frecven\u021ba actualiz\u0103rii<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Zilnic<\/td><td class=\"has-text-align-center\" data-align=\"center\">Trimestrial<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Transparen\u021b\u0103<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Relativ sc\u0103zut\u0103, bazat pe cota\u021bii<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mai mare, bazat pe tranzac\u021bii reale<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Impact asupra ratei<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Fluctueaz\u0103 rapid<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mai stabil\u0103 pe termen scurt<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Valoarea istoric\u0103<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">A avut varia\u021bii mari (ex. 18% \u00een 2008)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tendin\u021be mai reduse \u00een compara\u021bie cu ROBOR<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Principalele diferen\u021be \u00eentre ROBOR \u0219i IRCC<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Modul_de_calcul\">1. Modul de calcul<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">ROBOR<\/h4>\n\n\n\n<p>Se bazeaz\u0103 pe cota\u021biile de dob\u00e2nd\u0103 oferite de primele 10 b\u0103nci din Rom\u00e2nia, reprezent\u00e2nd rata medie la care acestea sunt dispuse s\u0103 \u00eemprumute bani sub form\u0103 de depozite \u00een lei altor b\u0103nci. <\/p>\n\n\n\n<p>Este, \u00een esen\u021b\u0103, un indicator prospectiv, deoarece se calculeaz\u0103 pe baza ofertei, nu a tranzac\u021biilor efective.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">IRCC<\/h4>\n\n\n\n<p>Este calculat pe baza tranzac\u021biilor efective realizate \u00eentre b\u0103nci \u00een pia\u021ba interbancar\u0103. <\/p>\n\n\n\n<p>Aceasta \u00eel face mai aproape de realitatea pie\u021bei \u0219i mai predictibil, reflect\u00e2nd condi\u021biile reale ale tranzac\u021biilor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Frecvena_actualizrii\">2. Frecven\u021ba actualiz\u0103rii<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">ROBOR<\/h4>\n\n\n\n<p>Este publicat zilnic de c\u0103tre Banca Na\u021bional\u0103 a Rom\u00e2niei (BNR) \u0219i influen\u021beaz\u0103 imediat contractele de credit \u00een derulare.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">IRCC<\/h4>\n\n\n\n<p>Este publicat zilnic de c\u0103tre BNR, dar este actualizat trimestrial, iar valoarea aplicat\u0103 creditelor se bazeaz\u0103 pe datele din trimestrul precedent. <\/p>\n\n\n\n<p>Acest decalaj introduce o \u00eent\u00e2rziere \u00een reflectarea fluctua\u021biilor pie\u021bei asupra ratelor creditelor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Aplicaia_practic\">3. Aplica\u021bia practic\u0103<\/h3>\n\n\n\n<p>ROBOR Este utilizat pentru creditele contractate \u00eenainte de mai 2019. De asemenea, r\u0103m\u00e2ne relevant \u00een contractele comerciale \u0219i \u00een pia\u021ba interbancar\u0103.<\/p>\n\n\n\n<p>IRCC este aplicabil exclusiv creditelor pentru consumatori acordate dup\u0103 mai 2019. Acesta include <a href=\"https:\/\/financer.ro\/credit\/credit-rapid\/\" data-type=\"page\" data-id=\"3212\">credite de consum<\/a>, <a href=\"https:\/\/financer.ro\/calculeaza\/calculator-credit\/\" data-type=\"page\" data-id=\"1762\">credite ipotecare<\/a>, <a href=\"https:\/\/financer.ro\/card-de-cumparaturi\/\" data-type=\"page\" data-id=\"868\">cardurilor de credit<\/a> \u0219i alte produse financiare destinate persoanelor fizice.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i4_Nivelul_dobnzilor\">4. Nivelul dob\u00e2nzilor<\/h3>\n\n\n\n<p>\u00cen general, noul indice a avut tendin\u021ba de a fi mai mic, ceea ce \u00eel face mai favorabil pentru consumatori. <\/p>\n\n\n\n<p>Cu toate acestea, diferen\u021ba dintre IRCC \u0219i ROBOR poate varia \u00een func\u021bie de contextul economic \u0219i nu ne-ar mira ca, \u00een cur\u00e2nd, s\u0103 vedem ROBOR cu valori mai mici.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i5_Transparen\">5. <strong>Transparen\u021b\u0103<\/strong><\/h3>\n\n\n\n<p><strong>IRCC<\/strong> este considerat mai transparent deoarece se bazeaz\u0103 pe date reale, elimin\u00e2nd specula\u021biile asociate ofertelor \u00eentre b\u0103nci.<\/p>\n\n\n\n<p><strong>ROBOR<\/strong> poate fi influen\u021bat de percep\u021biile \u0219i strategiile de lichiditate ale b\u0103ncilor participante.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Avantajele_i_dezavantajele_celor_doi_indici\">Avantajele \u0219i dezavantajele celor doi indici<\/h2>\n\n\n\n<p>Haide acum s\u0103 vedem cam care ar fi at\u00e2t avantajele precum \u0219i dezavantajele cu care vin cei doi indicatori:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ROBOR\">ROBOR<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p><strong>Actualizare rapid\u0103<\/strong>: Deoarece este calculat zilnic, ROBOR ofer\u0103 o reflec\u021bie imediat\u0103 a condi\u021biilor economice actuale, fiind util pentru contractele care necesit\u0103 ajust\u0103ri rapide.<\/p>\n<\/li><li><p><strong>Stabilitate pe termen lung<\/strong>: \u00cen perioade economice normale, fluctua\u021biile ROBOR tind s\u0103 fie moderate, oferind predictibilitate pentru debitori.<\/p>\n<\/li><li><p><strong>Aplicabilitate larg\u0103<\/strong>: ROBOR este \u00eenc\u0103 utilizat pentru creditele contractate \u00eenainte de mai 2019 \u0219i pentru diverse instrumente financiare, precum obliga\u021biuni sau contracte derivate.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li><p><strong>Volatilitate ridicat\u0103<\/strong>: \u00cen perioade de instabilitate economic\u0103 sau crize financiare, ROBOR poate \u00eenregistra cre\u0219teri bru\u0219te, cresc\u00e2nd semnificativ ratele lunare.<\/p>\n<\/li><li><p><strong>Percep\u021bie de lips\u0103 de transparen\u021b\u0103<\/strong>: ROBOR este calculat pe baza cota\u021biilor oferite de b\u0103nci, \u0219i nu pe baza tranzac\u021biilor reale, ceea ce poate ridica semne de \u00eentrebare privind corectitudinea sa.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"IRCC\">IRCC<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p><strong>Stabilitate<\/strong>: Fiind actualizat trimestrial, IRCC ofer\u0103 debitorilor o predictibilitate mai mare a ratelor lunare, ajut\u00e2nd la o mai bun\u0103 planificare a bugetului personal.<\/p>\n<\/li><li><p><strong>Transparen\u021b\u0103<\/strong>: Calculul IRCC se bazeaz\u0103 pe tranzac\u021bii reale din pia\u021ba interbancar\u0103, reflect\u00e2nd mai fidel condi\u021biile pie\u021bei \u0219i elimin\u00e2nd specula\u021biile.<\/p>\n<\/li><li><p><strong>Tendin\u021b\u0103 ini\u021bial\u0103 mai redus\u0103<\/strong>: De regul\u0103, valorile IRCC sunt mai mici dec\u00e2t ROBOR, ceea ce \u00eenseamn\u0103 rate mai accesibile pentru debitorii cu credite noi.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li><p><strong>\u00cent\u00e2rzierea \u00een reflectarea condi\u021biilor economice<\/strong>: Deoarece IRCC este calculat pe baza datelor din trimestrul anterior, acesta nu r\u0103spunde imediat la schimb\u0103rile economice actuale.<\/p>\n<\/li><li><p><strong>Marje fixe mari<\/strong>: Ordonan\u021ba care reglementeaz\u0103 IRCC nu impune limite pentru marjele aplicate de b\u0103nci, ceea ce le permite acestora s\u0103 adauge marje mai ridicate pentru a compensa.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Cum_sunt_afectate_ratele_tale_de_IRCC_vs_ROBOR\">Cum sunt afectate ratele tale de IRCC vs ROBOR<\/h2>\n\n\n\n<p>Pentru a vedea mai bine cum au influen\u021bat cei doi indici creditele \u00een lei cu dob\u00e2nd\u0103 variabil\u0103, ne-am g\u00e2ndit s\u0103 cre\u0103m un tabel unde, la acela\u0219i \u00eemprumut de 100.000 lei pe 20 ani am aplicat valorile IRCC \u0219i ROBOR cele mai mici, cele mai mari \u0219i actualele:<\/p>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Parametru<\/th><th class=\"has-text-align-center\" data-align=\"center\">ROBOR 3M minim (1.49%)<\/th><th class=\"has-text-align-center\" data-align=\"center\">IRCC minim (0.78%)<\/th><th class=\"has-text-align-center\" data-align=\"center\">ROBOR maxim (18.08%)<\/th><th class=\"has-text-align-center\" data-align=\"center\">IRCC maxim (7.06)<\/th><th class=\"has-text-align-center\" data-align=\"center\">ROBOR actual (5.91%)<\/th><th class=\"has-text-align-center\" data-align=\"center\">IRCC actual (5.99%)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Marja b\u0103ncii (%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rata dob\u00e2nzii totale (%)<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.49<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.78<\/td><td class=\"has-text-align-center\" data-align=\"center\">21.08<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.06<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.91<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.99<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Credit (lei)<\/td><td class=\"has-text-align-center\" data-align=\"center\">100.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">100.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">100.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">100.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">100.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">100.000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Durat\u0103 (ani)<\/td><td class=\"has-text-align-center\" data-align=\"center\">20<\/td><td class=\"has-text-align-center\" data-align=\"center\">20<\/td><td class=\"has-text-align-center\" data-align=\"center\">20<\/td><td class=\"has-text-align-center\" data-align=\"center\">20<\/td><td class=\"has-text-align-center\" data-align=\"center\">20<\/td><td class=\"has-text-align-center\" data-align=\"center\">20<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rat\u0103 lunar\u0103 (lei)<\/td><td class=\"has-text-align-center\" data-align=\"center\">629.89<\/td><td class=\"has-text-align-center\" data-align=\"center\">581.51<\/td><td class=\"has-text-align-center\" data-align=\"center\">1783.98<\/td><td class=\"has-text-align-center\" data-align=\"center\">969<\/td><td class=\"has-text-align-center\" data-align=\"center\">836.44<\/td><td class=\"has-text-align-center\" data-align=\"center\">840.85<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Total de rambursat (lei, la aceast\u0103 rat\u0103)<\/td><td class=\"has-text-align-center\" data-align=\"center\">151173.73<\/td><td class=\"has-text-align-center\" data-align=\"center\">139562.82<\/td><td class=\"has-text-align-center\" data-align=\"center\">428152<\/td><td class=\"has-text-align-center\" data-align=\"center\">232560<\/td><td class=\"has-text-align-center\" data-align=\"center\">200745.94<\/td><td class=\"has-text-align-center\" data-align=\"center\">201803.27<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Datele actuale valabile pentru final de decembrie 2024<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Evoluia_celor_doi_indici___grafic_ROBOR_vs_IRCC\">Evolu\u021bia celor doi indici &#8211; grafic ROBOR vs IRCC<\/h2>\n\n\n\n<p>Pentru a vedea modul \u00een care au evoluat cei doi indici unul fa\u021b\u0103 de cel\u0103lalt, ne-am g\u00e2ndit s\u0103 cre\u0103m urm\u0103torul grafic \u00een care vei reg\u0103si valorile lor lunare \u00eencep\u00e2nd cu iunie 2020:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large shortcode-no\"><img decoding=\"async\" width=\"1024\" height=\"461\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2024\/12\/image-1024x461.png\" alt=\"robor vs ircc\" class=\"wp-image-79341\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2024\/12\/image-1024x461.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2024\/12\/image-300x135.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2024\/12\/image-768x346.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2024\/12\/image-1536x691.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2024\/12\/image.png 1798w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Evolu\u021bie lunar\u0103 IRCC vs ROBOR<\/figcaption><\/figure>\n\n\n\n<p>A\u0219a cum po\u021bi observa \u0219i singur, ROBOR s-a p\u0103strat constant peste valoarea IRCC-ului, excep\u021bie fac ultimele luni ale anului 2024, c\u00e2nd observ\u0103m, pentru prima dat\u0103 din 2020, c\u0103 ROBOR-ul scade u\u0219or sub IRCC.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Care_este_mai_avantajos_ROBOR_sau_IRCC\">Care este mai avantajos: ROBOR sau IRCC?<\/h2>\n\n\n\n<p>R\u0103spunsul nu este unul u\u0219or \u0219i depinde de circumstan\u021bele fiec\u0103rei persoane \u0219i de contextul economic general. ROBOR poate fi preferat \u00een perioade de stabilitate economic\u0103, \u00een timp ce IRCC ofer\u0103 o mai mare predictibilitate pe termen scurt.<\/p>\n\n\n\n<p>Pe de alt\u0103 parte, cifrele istorice ne arat\u0103 c\u0103 ROBOR prezint\u0103 tendin\u021ba de a avea valori mai mari comparativ cu IRCC (excep\u021bie f\u0103c\u00e2nd ultimele luni din anul 2024 \u0219i probabil primele din 2025).<\/p>\n\n\n\n<p>Alegerea nu o po\u021bi face dec\u00e2t tu, dar sfatul nostru ar fi s\u0103 consul\u021bi un expert financiar \u00eenainte de a face o eventual\u0103 trecere de la ROBOR la IRCC.<\/p>\n\n\n\n<p>\u0218i dac\u0103 tot am deschis acest subiect, haide s\u0103 \u00ee\u021bi prezent\u0103m \u0219i cum po\u021bi face aceast\u0103 schimbare:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Cum_poi_face_trecerea_de_la_ROBOR_la_IRCC_Ghid_simplu_i_rapid\">Cum po\u021bi face trecerea de la ROBOR la IRCC? Ghid simplu \u0219i rapid<\/h2>\n\n\n\n<p>Dac\u0103 ai contractat un credit cu dob\u00e2nd\u0103 variabil\u0103 \u00eenainte de mai 2019, rata ta lunar\u0103 este cel mai probabil calculat\u0103 pe baza indicelui ROBOR. <\/p>\n\n\n\n<p>Totu\u0219i, ai posibilitatea de a opta pentru trecerea la IRCC, un indice introdus ulterior \u0219i perceput drept mai transparent \u0219i mai stabil. <\/p>\n\n\n\n<p>Iat\u0103 pa\u0219ii pe care trebuie s\u0103 \u00eei urmezi pentru a face aceast\u0103 schimbare:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Mergi_la_banca_unde_ai_creditul\">1. Mergi la banca unde ai creditul<\/h3>\n\n\n\n<p>Procesul este simplu \u0219i nu necesit\u0103 documente complicate. <\/p>\n\n\n\n<p>Trebuie doar s\u0103 te prezin\u021bi la orice sucursal\u0103 a b\u0103ncii care \u021bi-a acordat creditul, s\u0103 solici\u021bi modificarea indicelui din ROBOR \u00een IRCC \u0219i s\u0103 completezi o cerere \u00een acest sens.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_ncheie_un_act_adiional_la_contractul_de_credit\">2. \u00cencheie un act adi\u021bional la contractul de credit<\/h3>\n\n\n\n<p>Dup\u0103 ce depui cererea, banca \u00ee\u021bi va preg\u0103ti un act adi\u021bional la contractul de credit existent. Acesta va include noul calcul al dob\u00e2nzii \u00een baza IRCC.<\/p>\n\n\n\n<p><strong>Procesul este unul gratuit pentru beneficiari<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Monitorizeaz_evoluia_ratei_tale\">3. Monitorizeaz\u0103 evolu\u021bia ratei tale<\/h3>\n\n\n\n<p>Dup\u0103 ce faci trecerea la IRCC, urm\u0103re\u0219te evolu\u021bia indicelui trimestrial pentru a te asigura c\u0103 decizia este \u00een continuare \u00een avantajul t\u0103u. Po\u021bi consulta valorile actualizate ale IRCC pe <a href=\"https:\/\/www.bnr.ro\/Indicele-de-referin%C8%9Ba-pentru-creditele-consumatorilor--19492-Mobile.aspx\">site-ul BNR<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p><strong>Aten\u021bie!<\/strong> Odat\u0103 f\u0103cut\u0103 trecerea de la ROBOR la IRCC, nu te mai po\u021bi r\u0103zg\u00e2ndi \u0219i reveni c\u0103tre ROBOR. Singura variant\u0103 care \u00ee\u021bi r\u0103m\u00e2ne dac\u0103 observi c\u0103 ratele tale se m\u0103resc este s\u0103 solici\u021bi o refinan\u021bare cu un credit care are o perioad\u0103 de timp dob\u00e2nd\u0103 fix\u0103.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Care_este_mai_potrivit_pentru_tine__ROBOR_sau_IRCC\">Care este mai potrivit pentru tine \u2013 ROBOR sau IRCC?<\/h2>\n\n\n\n<p>At\u00e2t ROBOR, c\u00e2t \u0219i IRCC joac\u0103 un rol esen\u021bial \u00een stabilirea costurilor creditelor cu dob\u00e2nzi variabile \u00een lei, \u00eens\u0103 fiecare dintre ace\u0219ti indici vine cu propriile avantaje \u0219i provoc\u0103ri. <\/p>\n\n\n\n<p>Alegerea \u00eentre cei doi nu este simpl\u0103 \u0219i depinde de contextul economic, de nevoile tale financiare \u0219i de strategia personal\u0103:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>ROBOR poate fi o op\u021biune mai avantajoas\u0103 \u00een perioadele de stabilitate economic\u0103, datorit\u0103 actualiz\u0103rii rapide care reflect\u0103 imediat condi\u021biile din pia\u021b\u0103. Totu\u0219i, volatilitatea sa ridicat\u0103 \u00een perioade de criz\u0103 poate aduce incertitudine \u0219i rate mai mari. <\/p>\n<\/li><li><p>Pe de alt\u0103 parte, IRCC ofer\u0103 o predictibilitate pe termen scurt datorit\u0103 actualiz\u0103rii trimestriale \u0219i este perceput ca fiind mai transparent, fiind calculat pe baza tranzac\u021biilor reale. Totu\u0219i, \u00eent\u00e2rzierea \u00een reflectarea schimb\u0103rilor economice poate crea dificult\u0103\u021bi pentru unii debitori.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Indiferent de alegerea pe care o faci, este important s\u0103 te informezi temeinic \u0219i, eventual, s\u0103 consul\u021bi un expert financiar. <\/p>\n\n\n\n<p>Evaluarea impactului pe termen lung al fiec\u0103rui indice asupra ratelor tale poate face diferen\u021ba \u00eentre o decizie care aduce stabilitate \u0219i una care genereaz\u0103 presiune financiar\u0103. <\/p>\n\n\n\n<p>Alege \u00een\u021belept, \u021bin\u00e2nd cont de situa\u021bia ta financiar\u0103 actual\u0103 \u0219i de obiectivele viitoare.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen contextul pie\u021bei financiare din Rom\u00e2nia, ROBOR \u0219i IRCC sunt doi indici de referin\u021b\u0103 care influen\u021beaz\u0103 semnificativ costurile creditelor \u00een\u2026 <\/p>\n","protected":false},"author":77,"featured_media":79344,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[1120],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/posts\/79340"}],"collection":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/users\/77"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/comments?post=79340"}],"version-history":[{"count":6,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/posts\/79340\/revisions"}],"predecessor-version":[{"id":79349,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/posts\/79340\/revisions\/79349"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media\/79344"}],"wp:attachment":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media?parent=79340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/categories?post=79340"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/tags?post=79340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}