{"id":3700,"date":"2024-05-07T13:57:00","date_gmt":"2024-05-07T10:57:00","guid":{"rendered":"https:\/\/financer.ro\/?page_id=3700"},"modified":"2024-12-19T10:59:55","modified_gmt":"2024-12-19T08:59:55","slug":"ce-este-ircc","status":"publish","type":"wiki","link":"https:\/\/financer.ro\/credit\/articole\/ce-este-ircc\/","title":{"rendered":"IRCC \u2013 Ce este \u0219i cum influen\u021beaz\u0103 el ratele bancare"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"IRCC___Ce_este_i_cum_ne_influeneaz_ratele_bancare_n_2024\">IRCC &#8211; Ce este \u0219i cum ne influen\u021beaz\u0103 ratele bancare \u00een 2024<\/h2>\n\n\n\n<p>IRCC (Indicele de Referin\u021b\u0103 pentru Creditele Consumatorilor) este un element esen\u021bial pentru persoanele care acceseaz\u0103 credite cu dob\u00e2nd\u0103 variabil\u0103 \u00een lei. \u00cencep\u00e2nd cu mai 2019, acesta a devenit un punct de referin\u021b\u0103 important pentru calcularea ratelor lunare.<\/p>\n\n\n\n<p>Acest articol \u00ee\u021bi ofer\u0103 o analiz\u0103 complet\u0103 a indicelui IRCC, explic\u00e2nd cum este calculat, cum influen\u021beaz\u0103 ratele \u0219i ce strategii po\u021bi adopta pentru a reduce impactul s\u0103u asupra bugetului t\u0103u.<\/p>\n\n\n\n<p>A\u0219adar, f\u0103r\u0103 alte cuvinte de introducere, s\u0103 \u00eencepem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_este_IRCC_i_cum_funcioneaz\">Ce este IRCC \u0219i cum func\u021bioneaz\u0103?<\/h2>\n\n\n\n<p>IRCC este un indice introdus prin <a href=\"https:\/\/legislatie.just.ro\/Public\/DetaliiDocument\/212253\">Ordonan\u021ba de Urgen\u021b\u0103 19\/2019<\/a>, fiind conceput ca o alternativ\u0103 la <a href=\"https:\/\/financer.ro\/credit\/articole\/ce-este-indicele-robor\/\" data-type=\"wiki\" data-id=\"2264\">ROBOR<\/a>. Este utilizat pentru calcularea dob\u00e2nzilor la creditele cu dob\u00e2nd\u0103 variabil\u0103 acordate persoanelor fizice, precum:<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/financer.ro\/credit\/credit-rapid\/\">Credite de consum<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.ro\/credit\/credit-ipotecar\/\">Credite ipotecare<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.ro\/card-de-cumparaturi\/\" data-type=\"page\" data-id=\"868\">Carduri de credit<\/a><\/li>\n\n\n\n<li>Descoperiri de cont<\/li>\n<\/ul>\n\n\n\n<p>\u00cen popor, IRCC a fost numit \u0219i \u201eNoul ROBOR\u201d \u0219i se pare c\u0103 termenul se mai folose\u0219te \u00eenc\u0103, la mai bine de cinci ani de la lansarea noului indice.<\/p>\n\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg2\"><h3>Compar\u0103 credite oferite de 16 companii<\/h3><p>G\u0103se\u0219te cel mai ieftin credit cu un singur click<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"3000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.ro\/results?query=1&non_affiliate=true&param_amount=3000&param_period=Array\" data-slider-url=\"https:\/\/financer.ro\/results?query=1&non_affiliate=true&param_amount=3000&param_period=Array\" data-required=\"results?query=1non_affiliate=true&param_amount=3000&param_period=Array&\" class=\"get_results compare button is-primary is-medium is-rounded\">Compar\u0103 ofertele<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Cum_se_calculeaz_IRCC\">Cum se calculeaz\u0103 IRCC?<\/h2>\n\n\n\n<p>Calculul IRCC are la baz\u0103 tranzac\u021biile reale din pia\u021ba interbancar\u0103. <a href=\"https:\/\/financer.ro\/finante-personale\/articole\/robor-vs-ircc\/\">Spre deosebire de ROBOR<\/a>, care reflect\u0103 ofertele b\u0103ncilor de a \u00eemprumuta bani \u00eentre ele, IRCC se bazeaz\u0103 pe ratele efective la care s-au realizat tranzac\u021biile \u00eentre b\u0103nci.<\/p>\n\n\n\n<p>Acest mod de calcul aduce mai mult\u0103 transparen\u021b\u0103 \u0219i o leg\u0103tur\u0103 direct\u0103 cu pia\u021ba monetar\u0103.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Procesul_de_calcul_al_IRCC\">Procesul de calcul al IRCC<\/h3>\n\n\n\n<p>Modul de calculare al IRCC-ului este ceva mai dificil de \u00een\u021beles fa\u021b\u0103 de cel al ROBOR-ului, dar noi am \u00eencercat s\u0103 \u00eel explic\u0103m c\u00e2t mai pe \u00een\u021belesul tuturor:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Pasul 1: Determinarea ratei dob\u00e2nzii zilnice<\/h4>\n\n\n\n<p>\u00cen fiecare zi lucr\u0103toare, pe pia\u021ba monetar\u0103 interbancar\u0103, b\u0103ncile realizeaz\u0103 tranzac\u021bii de \u00eemprumuturi \u00eentre ele. Banca Na\u021bional\u0103 a Rom\u00e2niei (BNR) \u00eenregistreaz\u0103 aceste tranzac\u021bii \u0219i calculeaz\u0103 o rat\u0103 zilnic\u0103 a dob\u00e2nzii. <\/p>\n\n\n\n<p>Aceasta este determinat\u0103 ca o medie ponderat\u0103 a tuturor dob\u00e2nzilor practicate pentru tranzac\u021biile respective, raportat\u0103 la volumul tranzac\u021biilor din acea zi.<\/p>\n\n\n\n<p><em>Iat\u0103 formula de calcul utilizat\u0103:<\/em><\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"496\" height=\"77\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2024\/12\/ircc.png\" alt=\"ce este ircc\" class=\"wp-image-79331\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2024\/12\/ircc.png 496w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2024\/12\/ircc-300x47.png 300w\" sizes=\"(max-width: 496px) 100vw, 496px\" \/><\/figure><\/div>\n\n\n<p><em>Unde:<\/em><\/p>\n\n\n\n<ul>\n<li><strong>Dob\u00e2nda<\/strong> reprezint\u0103 rata de dob\u00e2nd\u0103 pentru fiecare tranzac\u021bie<\/li>\n\n\n\n<li><strong>Volumul tranzac\u021biei<\/strong> reprezint\u0103 suma total\u0103 tranzac\u021bionat\u0103 \u00eentre b\u0103nci<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Pasul 2: Calcularea mediei trimestriale<\/h4>\n\n\n\n<p>La finalul fiec\u0103rui trimestru, se calculeaz\u0103 media aritmetic\u0103 a tuturor ratelor zilnice de dob\u00e2nd\u0103 \u00eenregistrate pe parcursul trimestrului. <\/p>\n\n\n\n<p>Aceasta devine valoarea IRCC aplicabil\u0103 pentru urm\u0103torul trimestru.<\/p>\n\n\n\n<p><em>Iat\u0103 formula de calcul utilizat\u0103:<\/em><\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"552\" height=\"70\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2024\/12\/ce-este-ircc.png\" alt=\"\" class=\"wp-image-79332\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2024\/12\/ce-este-ircc.png 552w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2024\/12\/ce-este-ircc-300x38.png 300w\" sizes=\"(max-width: 552px) 100vw, 552px\" \/><\/figure><\/div>\n\n\n<p><em>Unde:<\/em><\/p>\n\n\n\n<ul>\n<li>\u2211(Rata\u00a0zilnic\u0103) &#8211; reprezint\u0103 suma ratelor zilnice din trimestru<\/li>\n\n\n\n<li>Num\u0103rul zilelor lucr\u0103toare &#8211; BNR elimin\u0103 zilele \u00een care nu au fost realizate tranzac\u021bii (de exemplu, weekend-uri \u0219i zilele libere legale), astfel \u00eenc\u00e2t media s\u0103 reflecte doar zilele cu activitate pe pia\u021b\u0103<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Pasul 3: Publicarea valorii IRCC:<\/h4>\n\n\n\n<p>La \u00eenceputul fiec\u0103rui trimestru (de obicei \u00een prima zi lucr\u0103toare), BNR public\u0103 valoarea actualizat\u0103 a IRCC pe site-ul s\u0103u oficial. <\/p>\n\n\n\n<p>Aceast\u0103 valoare este valabil\u0103 pentru toate contractele noi de credit semnate \u00een trimestrul respectiv.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Un exemplu practic de calcul al IRCC<\/h4>\n\n\n\n<p>S\u0103 presupunem c\u0103 \u00een trimestrul I al anului:<\/p>\n\n\n\n<ul>\n<li>Au avut loc 60 de zile lucr\u0103toare<\/li>\n\n\n\n<li>\u00cen fiecare zi, b\u0103ncile au realizat tranzac\u021bii la rate diferite \u0219i volume variabile<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Tranzac\u021bii z<strong>iua<\/strong> 1<\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Dob\u00e2nda (%)<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Volumul tranzac\u021biilor<\/strong> (mil. lei)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.50<\/td><td class=\"has-text-align-center\" data-align=\"center\">100<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.60<\/td><td class=\"has-text-align-center\" data-align=\"center\">200<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.40<\/td><td class=\"has-text-align-center\" data-align=\"center\">150<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Tranzac\u021bii z<strong>iua<\/strong> 2<\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Dob\u00e2nda (%)<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Volumul tranzac\u021biilor<\/strong> (mil. lei)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.40<\/td><td class=\"has-text-align-center\" data-align=\"center\">200<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.55<\/td><td class=\"has-text-align-center\" data-align=\"center\">100<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.40<\/td><td class=\"has-text-align-center\" data-align=\"center\">250<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">4<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.35<\/td><td class=\"has-text-align-center\" data-align=\"center\">200<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\">\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Tranzac\u021bii z<strong>iua<\/strong> 60<\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Dob\u00e2nda (%)<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Volumul tranzac\u021biilor<\/strong> (mil. lei)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.50<\/td><td class=\"has-text-align-center\" data-align=\"center\">100<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.55<\/td><td class=\"has-text-align-center\" data-align=\"center\">100<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Pasul 1: Calcularea ratei zilnice medii ponderate pentru fiecare zi<\/strong><\/p>\n\n\n\n<ul>\n<li>Pentru ziua 1: Rata zilnic\u0103 = (2.50*100 + 2.60*200 + 2.40*150)\/(100+200+150) = 2.51%<\/li>\n\n\n\n<li>Pentru ziua 2: Rata zilnic\u0103 = (2.40*200 + 2.55*100 + 2.40*250 + 2.35 * 200)\/(200+100+250+200) = 2.41%<\/li>\n\n\n\n<li>Pentru ziua 60: Rata zilnic\u0103 = (2.50*100 + 2.55*100)\/(100 + 100) = 2.52%<\/li>\n<\/ul>\n\n\n\n<p>Acest proces se repet\u0103 pentru toate cele 60 de zile lucr\u0103toare iar apoi se adun\u0103 toate ratele zilelor lucr\u0103toare \u0219i se \u00eemparte la num\u0103rul de zile lucr\u0103toare.<\/p>\n\n\n\n<p><strong>Pasul 2: Calcularea mediei aritmetice a ratelor zilnice<\/strong><br>S\u0103 presupunem c\u0103 suma ratelor zilnice pentru cele 60 de zile este: 150%.<\/p>\n\n\n\n<p>Atunci valoare <strong>IRCC trimestrial\u0103 ar fi 150%\/60 = 2.50%<\/strong>.<\/p>\n\n\n\n<p>Aceast\u0103 valoare de 2.50% va fi utilizat\u0103 pentru toate creditele acordate \u00een trimestrul urm\u0103tor.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Evident, exemplele de mai sus sunt mult simplificate.<\/p>\n<p>Probabil c\u0103 exist\u0103 zile \u00een care discut\u0103m despre sute de tranzac\u021bii care au loc \u00eentre b\u0103nci \u00een \u021bara noastr\u0103 \u0219i de mii de milioane lei tranzac\u021bionate, care vor face calculele mult mai vaste fa\u021b\u0103 de ce am prezentat noi.<\/p>\n<p>\u00cens\u0103 trebuie s\u0103 re\u021bii facptul c\u0103 formulele r\u0103m\u00e2n acelea\u0219i.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Cnd_se_actualizeaz_IRCC\">C\u00e2nd se actualizeaz\u0103 IRCC?<\/h2>\n\n\n\n<p>Indicele este actualizat trimestrial, conform urm\u0103torului calendar:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>T1 (ianuarie \u2013 martie)<\/strong>: Se aplic\u0103 \u00een T2 (aprilie \u2013 iunie)<\/p>\n<\/li><li><p><strong>T2 (aprilie \u2013 iunie)<\/strong>: Se aplic\u0103 \u00een T3 (iulie \u2013 septembrie)<\/p>\n<\/li><li><p><strong>T3 (iulie \u2013 septembrie)<\/strong>: Se aplic\u0103 \u00een T4 (octombrie \u2013 decembrie)<\/p>\n<\/li><li><p><strong>T4 (octombrie \u2013 decembrie)<\/strong>: Se aplic\u0103 \u00een T1 (ianuarie \u2013 martie)<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Cum_influeneaz_IRCC_ratele_bancare\">Cum influen\u021beaz\u0103 IRCC ratele bancare?<\/h2>\n\n\n\n<p>Pentru a \u00een\u021belege cum influen\u021beaz\u0103 IRCC costul creditelor, s\u0103 lu\u0103m urm\u0103torul exemplu:<\/p>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Parametru<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Valoare IRCC sc\u0103zut\u0103 (2%)<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Valoare IRCC ridicat\u0103 (6%)<\/strong><\/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><\/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\">5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">9%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Credit ini\u021bial (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><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Durat\u0103 credit (ani)<\/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\">659<\/td><td class=\"has-text-align-center\" data-align=\"center\">899<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u00cen acest exemplu, o cre\u0219tere de 4 puncte procentuale a IRCC determin\u0103 o majorare a ratei lunare cu 240 lei.<\/p>\n\n\n\n<p>Poate c\u0103 nu \u00ee\u021bi pare prea mare suma, dar pe an am discuta despre o diferen\u021b\u0103 de 2.880 lei, echivalentul a peste 4 rate la dob\u00e2nd\u0103 calculat\u0103 cu IRCC de 2%.<\/p>\n\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg2\">\n\t\t\t\t<h3>Cum s\u0103 economise\u0219ti <span class=\"compare-amount\">2.039,00 Lei <\/span> cu un credit<\/h3>\n\t\t\t\t<p>Diferen\u021ba de pre\u021b pentru un credit de 3.000,00 Lei pe 90 zile este de 2.039,00 Lei.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.ro\/results\/?query=1&filter_non_affiliate=1&param_amount=3000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Afl\u0103 cum<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Avantajele_i_dezavantajele_indicelui_IRCC\">Avantajele \u0219i dezavantajele indicelui IRCC<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p><strong>Transparen\u021b\u0103<\/strong>: Calculul IRCC este bazat pe tranzac\u021bii reale, ceea ce reduce specula\u021biile din pia\u021b\u0103.<\/p>\n<\/li><li><p><strong>Predictibilitate pe termen scurt<\/strong>: Actualizarea trimestrial\u0103 permite debitorilor s\u0103 prevad\u0103 fluctua\u021biile ratei \u0219i s\u0103 \u00ee\u0219i planifice bugetul.<\/p>\n<\/li><li><p><strong>Tendin\u021be ini\u021bial mai sc\u0103zute<\/strong>: \u00cen compara\u021bie cu ROBOR, IRCC a avut ini\u021bial valori mai mici, oferind avantaje consumatorilor.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li><p><strong>\u00cent\u00e2rzierea impactului<\/strong>: Deoarece IRCC este calculat pe baza datelor din trimestrul anterior, ratele nu reflect\u0103 imediat fluctua\u021biile economice actuale.<\/p>\n<\/li><li><p><strong>Marje fixe mari<\/strong>: OUG 19\/2019 nu limiteaz\u0103 marja b\u0103ncilor, cum o f\u0103cea legea care guverna ROBOR-ul, ceea ce poate duce la costuri suplimentare.<\/p>\n<\/li><li><p><strong>Cre\u0219teri semnificative \u00een perioadele de instabilitate economic\u0103<\/strong>: IRCC poate cre\u0219te semnificativ \u00een urma unui trimestru cu dob\u00e2nzi interbancare ridicate.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Sfaturi_pentru_a_reduce_impactul_IRCC_asupra_ratelor\">Sfaturi pentru a reduce impactul IRCC asupra ratelor<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Refinan\u021beaz\u0103-\u021bi creditul<\/strong>: Compar\u0103 oferte \u0219i refinan\u021beaz\u0103 cu un credit la dob\u00e2nd\u0103 fix\u0103. Avantajul &#8211; stabilitate pe termen lung, indiferent de fluctua\u021biile IRCC.<\/p>\n<\/li><li><p><strong>Achit\u0103 anticipat o parte din credit<\/strong>: F\u0103 o <a href=\"https:\/\/financer.ro\/credit\/articole\/rambursare-anticipata\/\" data-type=\"wiki\" data-id=\"15181\">rambursare anticipat\u0103<\/a> \u0219i diminueaz\u0103 principalul pentru a reduce valoarea dob\u00e2nzii pe termen lung.<\/p>\n<\/li><li><p><strong>Monitorizeaz\u0103 IRCC \u0219i planific\u0103-\u021bi bugetul<\/strong>: Urm\u0103re\u0219te evolu\u021bia trimestrial\u0103 a IRCC pe site-ul BNR \u0219i ajusteaz\u0103-\u021bi cheltuielile \u00een consecin\u021b\u0103.<\/p>\n<\/li><li><p><strong>Cre\u0219te-\u021bi veniturile<\/strong>: Exploreaz\u0103 surse suplimentare de venit pentru a compensa eventualele cre\u0219teri ale ratei. Spre exemplu, pe site-ul nostru po\u021bi citi un ghid complex despre cele <a href=\"https:\/\/financer.ro\/economii\/bursa-de-valori-sfaturi-incepatori\/\" data-type=\"page\" data-id=\"11395\">cum s\u0103 \u00eencepi s\u0103 tranzac\u021bionezi la bursa de valori<\/a> sau chiar unul detaliat despre cele mai bune tipuri de investi\u021bii. <\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ro\/economii\/cele-mai-bune-10-investitii\/\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  rel=\"nofollow\">Vezi care sunt cele mai bune 15 investi\u021bii pentru portofoliul t\u0103u<\/a><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"ntrebri_frecvente_despre_IRCC\">\u00centreb\u0103ri frecvente despre IRCC<\/h3><h4>Ce este IRCC?<\/h4><div class=\"faq_inner\"><p>IRCC \u2013 Indicele de Referin\u021b\u0103 pentru Calcularea Creditelor, supranumit \u0219i noul <a href=\"https:\/\/financer.ro\/finante-personale\/ce-este-indicele-robor\/\">ROBOR <\/a>este un indice de referin\u021b\u0103 ce a \u00eenceput s\u0103 fie utilizat \u00eencep\u00e2nd cu data de 2 mai 2019 pentru toate creditele cu dob\u00e2nd\u0103 variabil\u0103, luate \u00een lei.<\/p><\/div><h4>Cum se calculeaz\u0103 IRCC?<\/h4><div class=\"faq_inner\"><p>Noul ROBOR se calculeaz\u0103 ca media aritmetic\u0103 a ratelor de dob\u00e2nd\u0103 zilnice aferente tranzac\u021biilor interbancare din fiecare trimestru. Indicii sunt publica\u021bi \u00een fiecare zi de c\u0103tre BNR la ora 11:00, iar la final de trimestru se stabile\u0219te IRCC pentru trimestrul urm\u0103tor.<\/p><\/div><h4>Este IRCC mai mic dec\u00e2t ROBOR?<\/h4><div class=\"faq_inner\"><p>Cu toate c\u0103 prima valoare pentru IRCC, afi\u0219at\u0103 pe data de 2 mai 2019, a fost, \u00eentr-adev\u0103r, mai mic\u0103 cu aproape un procent fa\u021b\u0103 de ROBOR, diferen\u021ba dintre cei doi indici a tot continuat s\u0103 scad\u0103 de-a lungul timpului, iar \u00een unele situa\u021bii ROBOR a fost mai chiar mic dec\u00e2t IRCC.<\/p><\/div><h4>Cu ce riscuri vine IRCC?<\/h4><div class=\"faq_inner\"><p>Principalul risc cu care vine IRCC se datoreaz\u0103 modului \u00een care a fost publicat\u0103 OUG 19\/2019.<\/p>\n<p>Aceast\u0103 ordonan\u021b\u0103 oblig\u0103 b\u0103ncile ca la creditele cu dob\u00e2nzi variabile \u00een lei s\u0103 foloseasc\u0103 pentru calcularea ratelor indicele de referin\u021b\u0103 pentru calcularea creditelor + o marj\u0103 fix\u0103, \u00eens\u0103 nu limiteaz\u0103 aceast\u0103 marj\u0103.<\/p><\/div><h4>Pentru ce tipuri de credite se aplic\u0103 noul indice?<\/h4><div class=\"faq_inner\"><p>IRCC se aplic\u0103 \u00een calcularea dob\u00e2nzilor persoanelor fizice care vor accesa credite \u00een lei cu dob\u00e2nd\u0103 variabil\u0103 de consum \u0219i ipotecare.<\/p><\/div><h4>Pentru ce credite nu se va aplica IRCC?<\/h4><div class=\"faq_inner\"><p>\u00cen mod cert acest indice nu se va aplica pentru persoanele juridice care acceseaz\u0103 un \u00eemprumut \u0219i pentru creditele cu dob\u00e2nd\u0103 fix\u0103.<\/p><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Concluzii\">Concluzii<\/h2>\n\n\n\n<p>IRCC este un instrument important pentru calcularea ratelor la creditele cu dob\u00e2nd\u0103 variabil\u0103, oferind un grad mai mare de transparen\u021b\u0103 \u0219i corelare cu realit\u0103\u021bile pie\u021bei. <\/p>\n\n\n\n<p>De\u0219i are avantaje clare fa\u021b\u0103 de ROBOR, cum ar predictibilitate mai mare, este esen\u021bial s\u0103 fii informat \u0219i s\u0103 \u00ee\u021bi adaptezi strategia financiar\u0103 pentru a minimiza impactul fluctua\u021biilor asupra bugetului t\u0103u.<\/p>\n","protected":false},"author":77,"featured_media":79333,"comment_status":"open","ping_status":"closed","template":"","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":[1119],"_links":{"self":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/wiki\/3700"}],"collection":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/wiki"}],"about":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/types\/wiki"}],"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=3700"}],"version-history":[{"count":45,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/wiki\/3700\/revisions"}],"predecessor-version":[{"id":79353,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/wiki\/3700\/revisions\/79353"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media\/79333"}],"wp:attachment":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media?parent=3700"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/categories?post=3700"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}