{"id":2912666,"date":"2022-04-11T11:25:38","date_gmt":"2022-04-11T08:25:38","guid":{"rendered":"https:\/\/www.arb.ro\/?p=2912666"},"modified":"2024-01-20T12:14:13","modified_gmt":"2024-01-20T10:14:13","slug":"razboiul-din-ucraina-si-inflatia-doi-factori-care-influenteaza-tranzactiile-imobiliare","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/razboiul-din-ucraina-si-inflatia-doi-factori-care-influenteaza-tranzactiile-imobiliare\/","title":{"rendered":"R\u0103zboiul din Ucraina \u015fi infla\u0163ia \u2013 doi factori care influen\u0163eaz\u0103 tranzac\u0163iile imobiliare - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2912666\" class=\"elementor elementor-2912666\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-225ca797 e-flex e-con-boxed e-con e-parent\" data-id=\"225ca797\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5270f583 elementor-widget elementor-widget-text-editor\" data-id=\"5270f583\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\"><strong>R\u0103zboiul din Ucraina \u015fi infla\u0163ia sunt doi dintre factorii care influen\u0163eaz\u0103 deciziile cump\u0103r\u0103torilor \u015fi v\u00e2nz\u0103torilor din pia\u0163a imobiliar\u0103, atrage aten\u0163ia Gabriela Folcu\u0163, Directorul Executiv al Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor (ARB).<\/strong><\/p><p style=\"text-align: justify;\">Printre altele, Gabriela Folcu\u0163 ne-a precizat, \u00een cadrul unui interviu: &#8222;Anul 2022 se anun\u0163\u0103 unul cu mai multe provoc\u0103ri la nivel interna\u0163ional. Pe harta riscurilor erau marcate, la \u00eenceputul anului, mai multe riscuri determinate de pandemia COVID 19, riscurile geopolitice din Ucraina, cre\u015fterea infla\u0163iei, problemele de la nivelul unor state cauzate de situa\u0163ia energetic\u0103, insecuritatea alimentar\u0103 \u015fi instabilitatea politic\u0103. \u00cen momentul de fa\u0163\u0103, la nivelul economiei rom\u00e2ne\u015fti, trei dintre cele mai ridicate riscuri sunt r\u0103zboiul din Ucraina, tensiunile de la nivelul echilibrelor macroeconomice, \u00een mod special cre\u015fterea infla\u0163iei peste a\u015ftept\u0103ri \u015fi efectele pandemiei COVID-19. Banca Na\u0163ional\u0103 a Rom\u00e2niei men\u0163iona, la categoria riscuri sistemice ridicate, \u00eent\u00e2rzierea reformelor \u015fi a absorb\u0163iei fondurilor europene, \u00een special prin PNRR, incertitudinile la nivel global \u00een contextul crizei energetice \u015fi al pandemiei \u015fi riscul de nerambursare a creditelor contractate de c\u0103tre sectorul neguvernamental. La acestea se adaug\u0103 \u015fi riscul legislativ&#8221;.<\/p><p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Cum a \u00eencheiat anul 2021 sistemul bancar?<\/p><p style=\"text-align: justify;\"><strong>Gabriela Folcu\u0163:<\/strong> Sistemul bancar rom\u00e2nesc a demonstrat, anul trecut, c\u0103 este agil, solid \u015fi flexibil, aceste caracteristici fiind determinate \u015fi de conlucrarea eficient\u0103 cu autorit\u0103\u0163ile \u015fi de securitatea juridic\u0103. Agilitatea sistemului bancar a permis finan\u0163area economiei rom\u00e2ne\u015fti la cel mai ridicat ritm de la criza financiar\u0103 trecut\u0103, creditarea fiind impulsionat\u0103 de finan\u0163\u0103rile acordate companiilor.<\/p><p style=\"text-align: justify;\">Sectorul bancar rom\u00e2nesc a \u00eenregistrat cre\u015fteri, \u00een anul 2021, la to\u0163i indicatorii care reflect\u0103 activele (14,23%), activitatea de creditare neguvernamental\u0103 (14,8%), economisirea (13,9%), \u00een timp ce rata creditelor neperformante a continuat trendul descendent p\u00e2n\u0103 la 3,35% \u00een luna decembrie 2021. Indicatorul de solvabilitate a ajuns la 22,26%, la finele anului trecut, de aproape trei ori peste minimul solicitat.<\/p><p style=\"text-align: justify;\">La capitolul flexibilitate intervin at\u00e2t capacitatea industriei de a se adapta rapid prin digitalizare pentru a servi nevoile clien\u0163ilor, c\u00e2t \u015fi mobilizarea public-privat\u0103 de absorb\u0163ie a problemelor de lichiditate ale clien\u0163ilor. Ponderea \u00eemprumuturilor care au beneficiat de facilitatea de suspendare a obliga\u0163iilor de plat\u0103 este de peste 10% din total, \u00eens\u0103 datele oficiale arat\u0103 c\u0103 sub 1% din debitori aveau activat\u0103 aceast\u0103 facilitate \u00een august 2021. \u00cen contextul pandemic, am\u00e2n\u0103rile la plat\u0103 pentru debitorii afecta\u0163i de pandemia COVID-19 s-au acordat \u00een condi\u0163iile stabilite de Ghidul Autorit\u0103\u0163ii Bancare Europene. Clien\u0163ii afecta\u0163i de pandemia COVID-19 au putut accesa aceast\u0103 facilitate pentru o perioad\u0103 maxim\u0103 de suspendare de nou\u0103 luni, iar \u00een bilan\u0163ul b\u0103ncilor creditele au beneficiat de tratamentul pruden\u0163ial contabil recomandat de Autoritatea Bancar\u0103 European\u0103. \u00cen situa\u0163ia \u00een care nu ar fi existat o astfel de derogare \u00een ceea ce prive\u015fte provizionarea, probabil c\u0103 b\u0103ncile ar fi fost afectate pe zona de solvabilitate.<\/p><p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Care au fost provoc\u0103rile sectorului \u00een cel de-al doilea an de pandemie \u015fi ce perspective sunt pentru anul \u00een curs?<\/p><p style=\"text-align: justify;\"><strong>Gabriela Folcu\u0163:<\/strong> Gestionarea riscurilor \u00eentr-un mod metodic \u015fi eficient, la nivelul anului trecut, a permis reducerea ratei creditelor neperformante p\u00e2n\u0103 la 3,35% la finele lunii decembrie 2021. Rom\u00e2nia a \u00eenregistrat una dintre cele mai rapide viteze de reducere a ratei creditelor neperformante dintre \u0163\u0103rile europene, de aproape \u015fase ori \u00een \u015fapte ani.<\/p><p style=\"text-align: justify;\">Anul 2022 se anun\u0163\u0103 unul cu mai multe provoc\u0103ri la nivel interna\u0163ional. Pe harta riscurilor erau marcate, la \u00eenceputul anului, mai multe riscuri determinate de pandemia COVID 19, riscurile geopolitice din Ucraina, cre\u015fterea infla\u0163iei, problemele de la nivelul unor state cauzate de situa\u0163ia energetic\u0103, insecuritatea alimentar\u0103 \u015fi instabilitatea politic\u0103. \u00cen momentul de fa\u0163\u0103, la nivelul economiei rom\u00e2ne\u015fti, trei dintre cele mai ridicate riscuri sunt r\u0103zboiul din Ucraina, tensiunile de la nivelul echilibrelor macroeconomice, \u00een mod special cre\u015fterea infla\u0163iei peste a\u015ftept\u0103ri \u015fi efectele pandemiei COVID-19. Banca Na\u0163ional\u0103 a Rom\u00e2niei men\u0163iona, la categoria riscuri sistemice ridicate, \u00eent\u00e2rzierea reformelor \u015fi a absorb\u0163iei fondurilor europene, \u00een special prin PNRR, incertitudinile la nivel global \u00een contextul crizei energetice \u015fi al pandemiei \u015fi riscul de nerambursare a creditelor contractate de c\u0103tre sectorul neguvernamental. La acestea se adaug\u0103 \u015fi riscul legislativ.<\/p><p style=\"text-align: justify;\">Sistemul bancar rom\u00e2nesc solicit\u0103 eliminarea barierelor de ordin legislativ care pot afecta capacitatea industriei bancare de a finan\u0163a revigorarea rapid\u0103 a economiei. C\u00e2teva proiecte care se afl\u0103 \u00een dezbatere \u00een Parlament conduc la cre\u015fterea riscului legislativ cu impact negativ asupra cre\u015fterii intermedierii financiare. Aplicabilitatea unor prevederi la contractele de credit \u00een derulare este echivalent\u0103 cu insecuritatea juridic\u0103, prin \u00eenc\u0103lcarea principiului neretroactivit\u0103\u0163ii legii, ceea ce poate reduce considerabil apetitul b\u0103ncilor pentru creditarea segmentului popula\u0163iei.<\/p><p style=\"text-align: justify;\">Sistemul bancar din Rom\u00e2nia este solid \u015fi rezilient \u015fi, astfel, poate s\u0103-\u015fi \u00eendeplineasc\u0103 mandatul implicit pe care \u00eel are, de cre\u015ftere a intermedierii financiare \u00een condi\u0163ii de predictibilitate. Obiectivul comunit\u0103\u0163ii bancare este s\u0103 creasc\u0103 gradul de intermediere financiar\u0103 de la nivelul de 26,8% spre media european\u0103 de 92% \u015fi nivelul incluziunii financiare de la 67% spre media european\u0103 de 95%. Atingerea acestui obiectiv ar permite cre\u015fterea bun\u0103st\u0103rii economice a rom\u00e2nilor \u015fi recuperarea decalajelor \u00een raport cu media european\u0103.<\/p><p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Cu ce sentiment a \u00eenceput anul pia\u0163a bancar\u0103?<\/p><p style=\"text-align: justify;\"><strong>Gabriela Folcu\u0163:<\/strong> Sistemul bancar din Rom\u00e2nia a \u00eenceput anul cu un sentiment pozitiv alimentat de perspectivele de dezvoltare a economiei Rom\u00e2niei prin oportunit\u0103\u0163ile oferite de opera\u0163ionalizarea Planului Na\u0163ional de Redresare \u015fi Rezilien\u0163\u0103. Rom\u00e2nia are un as \u00een m\u00e2nec\u0103 \u015fi trebuie s\u0103-l foloseasc\u0103, indiferent de perturb\u0103rile actuale. Comunitatea bancar\u0103 dore\u015fte s\u0103 sprijine autorit\u0103\u0163ile rom\u00e2ne \u00een opera\u0163ionalizarea PNRR, precum \u015fi \u00een sus\u0163inerea proiectelor aferente prin instrumente specifice de finan\u0163are. Cu o strategie de cre\u015ftere a intermedierii financiare, a nivelului de educa\u0163ie financiar\u0103 \u015fi accelerarea digitaliz\u0103rii, Rom\u00e2nia ar putea \u00eenregistra un parcurs adecvat pentru a dubla nivelul PIB per capita la nivel na\u0163ional. \u00cen momentul de fa\u0163\u0103, sistemul bancar trebuie s\u0103 r\u0103m\u00e2n\u0103 agil s\u0103 serveasc\u0103 nevoile consumatorilor, companiilor \u015fi statului rom\u00e2n \u00een materie de finan\u0163are. Miz\u0103m pe derularea unui parteneriat constructiv cu autorit\u0103\u0163ile rom\u00e2ne pentru a sus\u0163ine economia Rom\u00e2niei s\u0103 dep\u0103\u015feasc\u0103 riscurile existente.<\/p><ul style=\"text-align: justify;\"><li><strong> &#8222;Exist\u0103 o presiune pe salarii care se va accentua \u00een economie&#8221;<\/strong><\/li><\/ul><p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Cum percepe sistemul bancar evolu\u0163ia infla\u0163iei \u015fi mi\u015fc\u0103rile de politic\u0103 monetar\u0103 ale b\u0103ncilor centrale?<\/p><p style=\"text-align: justify;\"><strong>Gabriela Folcu\u0163:<\/strong> Puseul infla\u0163ionist se \u00eenscrie \u00een tendin\u0163a eviden\u0163iat\u0103 \u00een plan global. La nivel european, infla\u0163ia este alimentat\u0103 de cre\u015fterile pre\u0163urilor produselor energetice \u015fi ale alimentelor, dar \u015fi de consecin\u0163ele r\u0103zboiului. Uniunea European\u0103 \u015fi SUA sunt parte din acest fenomen, lista nefiind exhaustiv\u0103. La nivel european sunt state unde rata infla\u0163iei este de dou\u0103 cifre, iar \u00een zona euro infla\u0163ia a atins nivelul de 5,9%, \u00een luna februarie. Lituania, Estonia \u015fi Polonia au \u00eencheiat anul trecut cu o rat\u0103 a infla\u0163iei peste nivelul Rom\u00e2niei, care a \u00eenregistrat o rat\u0103 anual\u0103 a infla\u0163iei IPC de 8,19% \u00een decembrie, fiind cea mai ridicat\u0103 valoare din ultimii zece ani. \u00cen februarie 2022, Lituania avea o infla\u0163ie de 14%. Suntem prin\u015fi \u00eentr-un cerc vicios infla\u0163ionist la nivel mondial.<\/p><p style=\"text-align: justify;\">Misiunea b\u0103ncilor centrale nu este deloc u\u015foar\u0103. Pe de o parte, pun \u00een balan\u0163\u0103 m\u0103surile de politic\u0103 monetar\u0103 de temperare a infla\u0163iei, iar pe de alt\u0103 parte, trebuie s\u0103 calibreze foarte atent amplitudinea \u015fi caden\u0163a acestora pentru a nu afecta prea mult debitorii \u015fi economia. Cre\u015fterea economic\u0103 este \u015fi a\u015fa pl\u0103p\u00e2nd\u0103 dup\u0103 criza de s\u0103n\u0103tate \u015fi este afectat\u0103 acum \u015fi de consecin\u0163ele r\u0103zboiului din Ucraina. \u015ei \u00een Rom\u00e2nia este estimat\u0103 o decelerare a ritmului de cre\u015ftere economic\u0103 \u00een raport cu rezultatele \u00eenregistrate la nivelul anului trecut. Exist\u0103 o presiune pe salarii care se va accentua \u00een economie.<\/p><p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Care va fi evolu\u0163ia dob\u00e2nzilor la credite, dar \u015fi la depozite, \u00een acest an?<\/p><p style=\"text-align: justify;\"><strong>Gabriela Folcu\u0163:<\/strong> \u00cen condi\u0163iile persisten\u0163ei factorilor exogeni \u015fi endogeni care alimenteaz\u0103 infla\u0163ia, tendin\u0163a este cea de majorare a dob\u00e2nzii de politic\u0103 monetar\u0103. Dob\u00e2nzile la credite \u015fi la depozite vor urma treptat, cu aplitudini diferite, aceast\u0103 tendin\u0163\u0103 de majorare.<\/p><p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Care a fost parcursul dob\u00e2nzilor la credite, \u00een sistem, \u00een 2021?<\/p><p style=\"text-align: justify;\"><strong>Gabriela Folcu\u0163:<\/strong> Dob\u00e2nda aferent\u0103 creditelor \u00een lei \u015fi euro aflate \u00een sold s-a men\u0163inut la aproape acela\u015fi nivel, cu o tendin\u0163\u0103 de decelerare pe parcursul anului \u015fi cu o revenire par\u0163ial\u0103 la finele acestuia. Astfel, dob\u00e2nda medie la creditele \u00een lei aflate \u00een sold acordate popula\u0163iei a fost de 6,72% \u00een luna ianuarie 2021 \u015fi a \u00eenchis luna decembrie 2021 la 6,24%, potrivit datelor publicate de Banca Na\u0163ional\u0103 a Rom\u00e2niei. La companii, dob\u00e2nda la creditele \u00een lei aflate \u00een sold a fost de 4,81% \u00een decembrie anul trecut, \u00een condi\u0163iile \u00een care rata infla\u0163iei este de 8,19%. Pentru creditele noi \u00een lei, dob\u00e2nda a fost de 6,02% pe segmentul popula\u0163iei \u015fi de 4,58% pe segmentul companiilor.<\/p><p style=\"text-align: justify;\">&#8222;Pe segmentul popula\u0163iei, creditul ipotecar a impulsionat cre\u015fterea&#8221;<\/p><p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Cum a evoluat cererea de credite imobiliare\/ipotecare \u00een ultimul an \u015fi ce estim\u0103ri ave\u0163i \u00een domeniu?<\/p><p style=\"text-align: justify;\"><strong>Gabriela Folcu\u0163:<\/strong> B\u0103ncile au luat \u00een calcul o cre\u015ftere a creditului neguvernamental de 8% \u00een perioada decembrie 2020-decembrie 2022. Conform strategiilor, creditarea ar urma s\u0103 se accelereze \u00een special la nivelul segmentului companiilor nefinanciare. La nivelul acestora sunt \u00een continuare vulnerabilit\u0103\u0163i legate \u00een special de num\u0103rul mare de firme cu capitaluri proprii sub limita reglementat\u0103 \u015fi disciplina lax\u0103 la plat\u0103.<\/p><p style=\"text-align: justify;\">Anul 2021 a adus rezultate foarte bune \u00een planul finan\u0163\u0103rii. Viteza de cre\u015ftere a soldului creditului neguvernamental, de 14,8% \u00een ritm anual, din luna decembrie 2021, este cea mai mare vitez\u0103 de cre\u015ftere a credit\u0103rii economiei reale din ultimii 12 ani. Astfel, dup\u0103 anul 2009, b\u0103ncile au acordat cel mai mare volum de credite noi c\u0103tre popula\u0163ie \u015fi companii.<\/p><p style=\"text-align: justify;\">\u00cen primele zece luni din anul 2021, b\u0103ncile au acordat credite noi \u00een valoare de 90,75 miliarde lei. Creditele noi acordate \u00een primele zece luni ale anului 2021 dep\u0103\u015fesc volumul \u00eemprumuturilor acordate pe parcursul \u00eentregului an 2020. \u00cen aceast\u0103 perioad\u0103, creditarea a fost impulsionat\u0103 de creditele accesate de companii, ponderea acestora fiind de 53,75% din volumul creditelor noi. Activitatea de creditare a fost \u00eenlesnit\u0103 at\u00e2t \u00een cazul popula\u0163iei, c\u00e2t \u015fi a companiilor prin m\u0103suri de fluidizare a acord\u0103rii creditelor, c\u00e2t \u015fi prin garan\u0163iile acordate, \u00een urma deciziilor luate de stat \u015fi de b\u0103nci. Miz\u0103m \u00een continuare pe accelerarea credit\u0103rii pe zona companiilor, unul dintre programele care sus\u0163in creditarea companiilor fiind IMM INVEST.<\/p><p style=\"text-align: justify;\">Pe segmentul popula\u0163iei, creditul ipotecar a impulsionat cre\u015fterea. Datele arat\u0103 c\u0103 \u00een luna septembrie 2021 cre\u015fterea soldului creditelor ipotecare a fost de peste 12%.<\/p><p style=\"text-align: justify;\">Cu toate acestea, sondajul privind creditarea companiilor nefinanciare \u015fi a popula\u0163iei realizat de BNR arat\u0103 c\u0103, \u00een trimestrul al treilea, pe segmentul creditelor acordate popula\u0163iei pentru achizi\u0163ia de locuin\u0163e \u015fi terenuri, cele mai multe institu\u0163ii de credit au raportat sc\u0103derea \u00eentr-o anumit\u0103 m\u0103sur\u0103 a solicit\u0103rilor de \u00eemprumuturi. Ponderea creditelor acordate prin programele guvernamentale pentru achizi\u0163ia unei locuin\u0163e este de 22% din creditele ipotecare noi, fiind \u00een u\u015foar\u0103 sc\u0103dere. Rata de neperforman\u0163\u0103 la creditele ipotecare este de 1,5%, \u00een timp ce valoarea medie a LTV pentru creditele nou-acordate este la 72%.<\/p><p style=\"text-align: justify;\"><strong>Sursa:<\/strong> <a href=\"https:\/\/www.bursa.ro\/razboiul-din-ucraina-si-inflatia-doi-factori-care-influenteaza-tranzactiile-imobiliare-03502640\">https:\/\/www.bursa.ro\/razboiul-din-ucraina-si-inflatia-doi-factori-care-influenteaza-tranzactiile-imobiliare-03502640<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Gabriela Folcu\u021b, Director Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, BURSA \u2013 11 aprilie 2022<\/p>","protected":false},"author":5,"featured_media":2485159,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-2912666","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>R\u0103zboiul din Ucraina \u015fi infla\u0163ia - doi factori care influen\u0163eaz\u0103 tranzac\u0163iile imobiliare - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arb.ro\/en\/razboiul-din-ucraina-si-inflatia-doi-factori-care-influenteaza-tranzactiile-imobiliare\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u0103zboiul din Ucraina \u015fi infla\u0163ia - doi factori care influen\u0163eaz\u0103 tranzac\u0163iile imobiliare - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Gabriela Folcu\u021b, Director Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, BURSA \u2013 11 aprilie 2022\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/razboiul-din-ucraina-si-inflatia-doi-factori-care-influenteaza-tranzactiile-imobiliare\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:published_time\" content=\"2022-04-11T08:25:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-20T10:14:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arb.ro\/wp-content\/uploads\/GabrielaFolcut2-31.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"574\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"RABVB\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"RABVB\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/razboiul-din-ucraina-si-inflatia-doi-factori-care-influenteaza-tranzactiile-imobiliare\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/razboiul-din-ucraina-si-inflatia-doi-factori-care-influenteaza-tranzactiile-imobiliare\\\/\"},\"author\":{\"name\":\"RABVB\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/ae6781863ef928b4d6176e16b3c4452f\"},\"headline\":\"R\u0103zboiul din Ucraina \u015fi infla\u0163ia &#8211; 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