{"id":3345650,"date":"2022-09-13T13:40:55","date_gmt":"2022-09-13T10:40:55","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3345650"},"modified":"2023-12-21T21:04:44","modified_gmt":"2023-12-21T19:04:44","slug":"smes-talk-florin-danescu-arb-cresterea-covarsitoare-a-cheltuielilor-lunare-vine-din-facturile-la-utilitati-plafonarea-dobanzilor-ar-insemna-un-dezastru-ar-elimina-principalul-instrument-de-politic","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/smes-talk-florin-danescu-arb-cresterea-covarsitoare-a-cheltuielilor-lunare-vine-din-facturile-la-utilitati-plafonarea-dobanzilor-ar-insemna-un-dezastru-ar-elimina-principalul-instrument-de-politic\/","title":{"rendered":"SMEs Talk Florin D\u0103nescu, ARB: Cre\u0219terea cov\u00e2r\u0219itoare a cheltuielilor lunare vine din facturile la utilit\u0103\u021bi. Plafonarea dob\u00e2nzilor ar \u00eensemna un dezastru, ar elimina principalul instrument de politic\u0103 monetar\u0103 - only in romanian"},"content":{"rendered":"

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Florin D\u0103nescu, pre\u0219edintele executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, calific\u0103 drept un dezastru o eventual\u0103 reluare a proiectului de lege privind plafonarea dob\u00e2nzilor la credite, \u00een condi\u021biile \u00een care , printre altele, politica monetar\u0103 ar fi privat\u0103 de principalul instrument de interven\u021bie. Doar o parte dintre rom\u00e2ni au credite, o parte \u0219i mai mic\u0103 au ratele legate de ROBOR, \u00een timp ce la nivel general bugetele familiilor au fost afectate preponderent de cre\u0219terea cheltuielilor cu facturile, arat\u0103 D\u0103nescu, care recomand\u0103 celor cu probleme la plata creditelor s\u0103 mearg\u0103 s\u0103 discute cu banca pentru o solu\u021bie individual\u0103. <\/strong><\/p>\n

Cre\u0219terile recente ale dob\u00e2nzilor din pia\u021ba interbancar\u0103 au adus \u00eengrijor\u0103ri celor care au \u00eemprumuturi pe termen lung, mai ales celor cu ratele legate de ROBOR, care pe scaden\u021ba la 3 luni a crescut de la 1,6% \u00een august 2021 la aproape 8% \u00een august 2022. \u00cen acela\u0219i interval, indicatorul de referin\u021b\u0103 pentru creditele acordate consumatorilor (IRCC), care reprezint\u0103 partea variabil\u0103 a ratei pentru contractele \u00eencheiate \u00eencep\u00e2nd cu 2019, a crescut de la 1,25% la 2,65%, \u0219i urmeaz\u0103 s\u0103 creasc\u0103 la 4,06% de la 1 octombrie<\/a> \u0219i apoi la peste 5,6% de la \u00eenceputul anului viitor. IRCC este mult mai sc\u0103zut dec\u00e2t ROBOR \u00een acest moment ca urmare a modului \u00een care se calculeaz\u0103, cel mai important factor fiind \u00eent\u00e2rzierea de un trimestru de la ultima dat\u0103 zilnic\u0103 culeas\u0103 din pia\u021ba interbancar\u0103 \u0219i dou\u0103 trimestre de la prima.<\/p>\n

\u201d\u00cen momentul \u00een care dob\u00e2nzile vor \u00eencepe s\u0103 scad\u0103, ROBOR va sc\u0103dea \u0219i el, \u00een timp ce IRCC maximum 6 luni va cre\u0219te \u00een continuare. \u00cen concluzie vom vedea aceast\u0103 bucl\u0103 a ROBOR cobor\u00e2nd sub bucla IRCC. A avea dob\u00e2nzi variabile \u00eenseamn\u0103 \u0219i a fi legat de pia\u021ba care variabil\u0103 – vedem c\u00e2t\u0103 impredictibilitate am avut \u00een decurs de un an, s-a \u00eent\u00e2mplat \u0219i r\u0103zboiul, lucruri pe care nu le a\u0219tepta nimeni. C\u00e2te se pot \u00eent\u00e2mpla pe durata unui credit de 25 de ani?! \u00cen concluzie, pre\u021bul unui credit con\u021bine aceast\u0103 variabilitate pentru c\u0103 via\u021ba este variabil\u0103 \u0219i schimb\u0103toare \u0219i pre\u021burile banilor se schimb\u0103 \u00een timp. Un credit acordat pe 25 de ani este finan\u021bat pe 25 de ani, \u00een timp ce depozitele cu care le finan\u021beaz\u0103 b\u0103ncile sunt la 3, 6, 12 luni<\/em>\u201d, explic\u0103 Florin D\u0103nescu la emisiunea Profit Live.<\/p>\n

Pre\u0219edintele executiv al ARB recomand\u0103 astfel pruden\u021b\u0103 \u00een ceea ce prive\u0219te trecerea de la ROBOR la IRCC: \u201dfoarte mult\u0103 lume confund\u0103 c\u0103 trece la IRCC \u0219i-a rezolvat problema \u0219i are un fel de dob\u00e2nd\u0103 fix\u0103<\/em>\u201d, spune el. \u201dAcolo unde sunt venituri mai mari, evident c\u0103 nu are rost s\u0103 treci la IRCC s\u0103 pl\u0103te\u0219ti mai mult la anul c\u00e2nd ar putea cre\u0219te peste ROBOR<\/em>\u201d, arat\u0103 D\u0103nescu.<\/p>\n

Profit.ro a ar\u0103tat c\u0103 trecerea la IRCC renteaz\u0103 c\u00e2t\u0103 vreme se face f\u0103r\u0103 majorarea marjei fixe de dob\u00e2nd\u0103, \u00eens\u0103 op\u021biunea nu este oferit\u0103 de toate b\u0103ncile.<\/p>\n

Circa 2,12 milioane de rom\u00e2ni aveau credite \u00een lei la b\u0103nci<\/a>, dintre ace\u0219tia 1,55 de milioane aveau \u00eemprumuturi de consum (dintre care 14% aveau dob\u00e2nzile legate de ROBOR), circa 350.000 aveau credite ipotecare standard (dintre care 32% cu rata legat\u0103 de ROBOR) \u0219i aproape 227.000 credite Prima Cas\u0103 (71% dintre acestea cu rata legat\u0103 de ROBOR), potrivit datelor publicate de BNR \u00een prim\u0103var\u0103.<\/p>\n

\u201dO parte mic\u0103 din popula\u021bie are credite, o parte \u0219i mai mic\u0103 sunt expu\u0219i la acest ROBOR, care temporar e o dob\u00e2nd\u0103 mai mare dec\u00e2t IRCC. Vedem c\u0103 \u00een cheltuielile bugetare lunare a unei familii, ponderea cov\u00e2r\u0219itoare a cre\u0219terilor este dat\u0103 de facturi, de utilit\u0103\u021bi. \u00cen concluzie, asta e cauza, acolo trebuie ac\u021bionat<\/em>\u201d, spune pre\u0219edintele executiv al ARB.<\/p>\n

D\u0103nescu face trimitere \u0219i la reluarea \u00een spa\u021biul politic a discu\u021biilor despre proiectul de plafonare a dob\u00e2nzilor (re)depus de parlamentarii PSD<\/a> \u00een frunte cu senatorul Daniel Zamfir, dar semnat \u0219i de liderul Marcel Ciolacu, \u00een septembrie anul trecut. Zamfir a insistat recent c\u0103 e necesar\u0103 o \u201dreglementare<\/em>\u201d a dob\u00e2nzilor \u2013 imediat dup\u0103 declara\u021bia guvernatorului Is\u0103rescu c\u0103 b\u0103ncile \u201dau s\u0103rit calul cu ROBOR<\/em>\u201d.<\/p>\n

\u201dA \u00eencerca s\u0103 ac\u021bionezi din perspectiv\u0103 legislativ\u0103 cu o plafonare a dob\u00e2nzilor ar \u00eensemna practic un dezastru, ar \u00eensemna s\u0103 elimini instrumentul care poate pondera infla\u021bia. Din perspectiv\u0103 monetar\u0103, instrumentul principal de politic\u0103 monetar\u0103 este cel al cre\u0219terii dob\u00e2nzilor \u00een perioad\u0103 de infla\u021bie, pentru a tempera deschiderea la cererea de creditare \u2013 creditul devine mai scump, \u00een concluzie se iau mai pu\u021bine credite, deci oferta de moned\u0103 este mai mic\u0103 \u00een economie, deci sunt mai pu\u021bini bani pentru a cump\u0103ra produse escalad\u00e2nd pre\u021burile. A \u00eencerca s\u0103 ac\u021bionezi asupra medicamentului pentru infla\u021bie ar fi o solu\u021bie dezastroas\u0103<\/em>\u201d, explic\u0103 D\u0103nescu.<\/p>\n

O plafonare a dob\u00e2nzilor ar reduce \u0219i \u00eencrederea \u00een economia rom\u00e2neasc\u0103, unde b\u0103ncile au adus capitaluri de 9 miliarde de euro, \u0219i ar cre\u0219te costurile de \u00eemprumut ale Rom\u00e2niei, care nici azi nu sunt mici – \u201dnu poate fi plafonat pre\u021bul interna\u021bional<\/em>\u201d, spune D\u0103nescu. Mai mult, creditarea ar fi afectat\u0103 \u00een condi\u021biile \u00een care ponderea sa \u00een produsul intern brut e cea mai mic\u0103 din Uniunea European\u0103, de circa un sfert, fa\u021b\u0103 de 90%.<\/p>\n

\u201dPoate fugim dup\u0103 o fent\u0103 care politic poate fi oferit\u0103 foarte u\u0219or. Sunt sigur nu se va apela la o astfel de solu\u021bie pentru c\u0103 toate lumea \u00ee\u0219i va da seama ce impact negativ are \u0219i cu to\u021bii avem o responsabilitate pentru economia Rom\u00e2niei<\/em>\u201d, adaug\u0103 D\u0103nescu.<\/p>\n

Mai mult, adaug\u0103 pre\u0219edintele executiv al ARB, b\u0103ncile \u201db\u0103ncile au dovedit c\u0103 sunt atente, prudente \u0219i l\u00e2ng\u0103 clien\u021bii lor<\/em>\u201d. \u201dMarjele s-au restr\u00e2ns. Dac\u0103 ne uit\u0103m \u00een co\u0219urile de produse, incluz\u00e2nd aici \u0219i creditul, probabil c\u0103 cea mai mic\u0103 cre\u0219tere, chiar dac\u0103 este instrument de politic\u0103 monetar\u0103, o g\u0103se\u0219ti la credite<\/em>\u201d.<\/p>\n

Dob\u00e2nda medie la depozitele noi \u00een lei a crescut \u00een iulie la 6,4% pe an, cel mai ridicat nivel din ultimii 12 ani<\/a>, fa\u021b\u0103 de 1,1% \u00een iulie 2021 (+5,3 puncte procentuale). \u00cen acela\u0219i interval dob\u00e2nda medie la creditele noi \u00een lei a crescut cu 3 puncte procentuale la 8,5% (pentru popula\u021bie cre\u0219terea a fost de circa 1,5 pp la 8,1%).<\/p>\n

Datele publicate de BNR la jum\u0103tatea anului arat\u0103 o sc\u0103dere a creditelor neperformante la 3% (cu circa 0,8 pp sub nivelul din iunie 2021), cel mai mic nivel istoric de c\u00e2nd exist\u0103 date de la banca central\u0103.<\/p>\n

\u201dCreditarea bancar\u0103 este alocat\u0103 \u00een general celor cu venituri relativ bune. \u0218i nu a\u0219a cum se prezint\u0103 \u00een general pe televiziuni c\u0103 un pensionar cu 1.000 de lei pensie este afectat de ROBOR, pentru c\u0103 acel pensionar nu poate s\u0103 ia niciodat\u0103 un credit bancar<\/em>\u201d, spune D\u0103nescu.<\/p>\n

Guvernul a aprobat prin ordonan\u021b\u0103 de urgen\u021b\u0103 un nou moratoriu la plata ratelor la credite. \u00cens\u0103 spre deosebire de cel din pandemia COVID 19, cel de acum vine peste o infla\u021bie ridicat\u0103 \u0219i dob\u00e2nzi \u00een cre\u0219tere, ceea ce ar \u00eensemna c\u0103 am\u00e2narea ratelor cu p\u00e2n\u0103 la 9 luni ar pune debitorii \u00een situa\u021bia de a relua pl\u0103\u021bile la un nivel mai ridicat dec\u00e2t cel la care le-au l\u0103sat. Astfel c\u0103 rom\u00e2nii nu s-au \u00eengr\u0103m\u0103dit deloc s\u0103 suspende ratele, explic\u0103 reprezentantul b\u0103ncilor.<\/p>\n

\u201dInteresul a fost mare al domeniului politic, nu al beneficiarului. Nu avem cifre, dar \u0219tim c\u0103 interesul este foarte mic, s-a aplicat \u00eentr-o foarte mic\u0103 m\u0103sur\u0103 la am\u00e2narea ratelor. Ponderea este nesemnificativ\u0103 \u0219i c\u00e2nd vom avea date concrete vom \u0219i dovedi acest lucru<\/em>\u201d, spune D\u0103nescu.<\/p>\n

El le recomand\u0103 rom\u00e2nilor cu dificult\u0103\u021bi financiare s\u0103 aib\u0103 mare \u00eencredere \u00een banca lor \u0219i s\u0103 discute cu ea situa\u021bia.<\/p>\n

Sursa: aici<\/a><\/p>\n

\"\"<\/p>","protected":false},"excerpt":{"rendered":"

Florin D\u0103nescu, Pre\u0219edinte executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, Interviu video Profit News \u2013 13 septembrie 2022<\/p>","protected":false},"author":5,"featured_media":3071288,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3345650","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nSMEs Talk Florin D\u0103nescu, ARB: Cre\u0219terea cov\u00e2r\u0219itoare a cheltuielilor lunare vine din facturile la utilit\u0103\u021bi. 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