{"id":201587,"date":"2023-07-06T20:37:14","date_gmt":"2023-07-06T18:37:14","guid":{"rendered":"https:\/\/atena.sk\/blog\/cresterea-brusca-a-ratelor-dobanzilor-in-ue-ce-putem-face-pentru-a-ne-pastra-stilul-de-viata\/"},"modified":"2023-07-10T08:35:43","modified_gmt":"2023-07-10T06:35:43","slug":"cresterea-brusca-a-ratelor-dobanzilor-in-ue-ce-putem-face-pentru-a-ne-pastra-stilul-de-viata","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/ro\/cresterea-brusca-a-ratelor-dobanzilor-in-ue-ce-putem-face-pentru-a-ne-pastra-stilul-de-viata\/","title":{"rendered":"Cre\u0219terea brusc\u0103 a ratelor dob\u00e2nzilor \u00een UE – ce putem face pentru a ne p\u0103stra stilul de via\u021b\u0103?"},"content":{"rendered":"\n

Ratele dob\u00e2nzilor ne pot afecta semnificativ via\u021ba. Recent, ratele dob\u00e2nzilor au crescut \u00een Uniunea European\u0103 (UE), ceea ce a avut un impact semnificativ asupra persoanelor \u00eempov\u0103rate de datorii.<\/p>\n\n

Pe m\u0103sur\u0103 ce ratele dob\u00e2nzilor cresc, persoanele fizice \u00eendatorate se confrunt\u0103 cu provocarea cre\u0219terii costurilor serviciului datoriei. Cu toate acestea, apare o problem\u0103 semnificativ\u0103, deoarece salariile nu cresc \u00een acela\u0219i ritm. Aceast\u0103 disparitate \u00eenseamn\u0103 c\u0103 povara datoriei devine relativ mai grea, reduc\u00e2nd puterea de cump\u0103rare a clasei economice de mijloc. Pe m\u0103sur\u0103 ce o mai mare parte din venitul lor este folosit\u0103 pentru plata datoriilor, persoanele fizice au mai pu\u021bini bani disponibili pentru cheltuielile zilnice sau pentru economii. Acest lucru duce la un nivel de trai mai sc\u0103zut.<\/p>\n\n\n\n

Care este consecin\u021ba imediat\u0103 a cre\u0219terii ratelor dob\u00e2nzilor?<\/h2>\n\n

Pe m\u0103sur\u0103 ce ratele dob\u00e2nzilor cresc, debitorilor le este mult mai greu s\u0103 achite ratele lunare, ceea ce poate duce la ne\u00eendeplinirea obliga\u021biilor de plat\u0103, pl\u0103\u021bi \u00eent\u00e2rziate sau neplat\u0103. Aceast\u0103 situa\u021bie poate avea consecin\u021be grave, inclusiv un scor de credit deteriorat \u0219i acumularea de penalit\u0103\u021bi \u0219i comisioane. Spirala descendent\u0103 care apare poate duce \u00een cele din urm\u0103 la un cerc vicios de probleme financiare \u0219i limiteaz\u0103 posibilit\u0103\u021bile de mobilitate economic\u0103.<\/p>\n\n

Inegalitatea veniturilor<\/h2>\n\n

Cre\u0219terea ratelor dob\u00e2nzilor poate accentua inegalitatea veniturilor \u00een societate. Persoanele cu venituri mai mari sunt mai \u00een m\u0103sur\u0103 s\u0103 fac\u0103 fa\u021b\u0103 impactului cre\u0219terii costurilor serviciului datoriei, \u00een timp ce cele cu venituri mai mici se confrunt\u0103 cu provoc\u0103ri mai mari. Aceast\u0103 inegalitate contribuie la m\u0103rirea diferen\u021belor de avere \u0219i poate duce la cre\u0219terea diferen\u021belor de clas\u0103. Clasa de mijloc, \u00een special, se g\u0103se\u0219te adesea prins\u0103 \u00eentre ratele dob\u00e2nzilor \u00een cre\u0219tere \u0219i cre\u0219terea limitat\u0103 a veniturilor \u0219i se confrunt\u0103 cu riscul de a c\u0103dea \u00eentr-un strat socio-economic inferior.<\/p>\n\n

Combina\u021bia dintre puterea de cump\u0103rare redus\u0103, dificult\u0103\u021bile financiare \u0219i inegalitatea veniturilor poate \u00eempinge un num\u0103r semnificativ de persoane mai aproape sau mai jos de pragul s\u0103r\u0103ciei. Pe m\u0103sur\u0103 ce din ce \u00een ce mai mul\u021bi oameni se str\u0103duiesc s\u0103 se descurce, riscul de s\u0103r\u0103cie devine tot mai frecvent. Cre\u0219terea ratelor dob\u00e2nzilor poate contribui, de asemenea, la sc\u0103derea \u00een s\u0103r\u0103cie a persoanelor \u0219i familiilor. Aceast\u0103 situa\u021bie poate avea implica\u021bii societale de anvergur\u0103 \u0219i poate pune \u0219i mai mult\u0103 presiune asupra sistemelor de sprijin social.<\/p>\n\n

C\u00e2t de grav\u0103 este situa\u021bia?<\/h2>\n\n

\u00cen graficele urm\u0103toare putem vedea ratele dob\u00e2nzilor stabilite de BCE(Banca Central\u0103 European\u0103<\/em>) \u00een ultimii trei ani. C\u00e2teva procente pot p\u0103rea mai pu\u021bin \u00eengrozitoare. Cu toate acestea, atunci c\u00e2nd pui totul \u00een perspectiv\u0103, schimb\u0103rile sunt uluitoare.<\/p>\n\n

Peisaj<\/td>Ratele dob\u00e2nzilor BCE \u00een perioada mai 2020 – mai 2023<\/td>Rata minim\u0103<\/td>Rata maxim\u0103<\/td><\/tr>
\"STEAGUL<\/td>\"Dobânda<\/td>-0,52%<\/td>3,66%<\/td><\/tr>
\"STEAGUL<\/td>\"Rata<\/td>0,86%<\/td>5,11%<\/td><\/tr>
\"STEAGUL<\/td>\"Rata<\/td>1,99%<\/td>10,25%<\/td><\/tr>
\"STEAGUL<\/td>\"Rata<\/td>2,65%<\/td>9,26%<\/td><\/tr>
\"STEAGUL<\/td>\"Rata<\/td>0,14%<\/td>4,21%<\/td><\/tr>
\"STEAGUL<\/td>\"Rata<\/td>0,16%<\/td>2,88%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n

S\u0103 lu\u0103m, de exemplu, Republica Ceh\u0103. \u00cen urm\u0103 cu aproximativ trei ani, rata dob\u00e2nzii era de 0,86%<\/strong>. Dac\u0103 cineva ar lua un credit ipotecar de 100 000 EUR pe 30 de ani, rata lunar\u0103 de rambursare ar fi de aproximativ 315<\/strong> EUR. Av\u00e2nd \u00een vedere c\u0103 salariul minim \u00een aceast\u0103 \u021bar\u0103 este de aproximativ 678 de euro, aproape orice familie cu dou\u0103 persoane care lucreaz\u0103 \u0219i-ar putea permite un credit ipotecar. Cu toate acestea, la cea mai mare rat\u0103 a dob\u00e2nzii, acela\u0219i credit ipotecar ar costa cel pu\u021bin 543<\/strong> de euro. Asta \u00eenseamn\u0103 peste 70%<\/strong> – \u0219i asta pentru aceea\u0219i sum\u0103 de bani \u00eemprumuta\u021bi! \u00cen Ungaria, situa\u021bia este chiar mai grav\u0103. Dac\u0103 a\u021bi \u00eemprumuta aceea\u0219i sum\u0103, rata lunar\u0103 de rambursare ar fi de aproximativ 896<\/strong> de euro.<\/p>\n\n

Cum pot oamenii s\u0103 abordeze aceast\u0103 problem\u0103?<\/h2>\n\n

Dac\u0103 nu sunte\u021bi milionar, 200-600 de euro ad\u0103uga\u021bi la cheltuielile dumneavoastr\u0103 \u00een fiecare lun\u0103 vor face cu siguran\u021b\u0103 o diferen\u021b\u0103. Este posibil ca unele persoane s\u0103 nu fie \u00een m\u0103sur\u0103 s\u0103 ramburseze. Cum putem rezolva aceast\u0103 problem\u0103?<\/p>\n\n

    \n
  1. Cheltui\u021bi mai pu\u021bin<\/strong>: Examina\u021bi-v\u0103 atent bugetul \u0219i identifica\u021bi domeniile \u00een care pute\u021bi reduce cheltuielile. Concentr\u00e2ndu-v\u0103 pe elementele de baz\u0103, pute\u021bi elibera mai multe fonduri pentru a acoperi pl\u0103\u021bile ipotecare mai mari. C\u0103uta\u021bi modalit\u0103\u021bi de a economisi pe media, m\u00e2ncare, divertisment \u0219i alte elemente neesen\u021biale.<\/li>\n\n\n\n
  2. Reducerea cheltuielilor<\/strong>: dac\u0103 proprietatea pe care a\u021bi cump\u0103rat-o este relativ mare \u0219i \u00een stare bun\u0103, o pute\u021bi \u00eenchiria \u0219i, \u00een acela\u0219i timp, pute\u021bi \u00eenchiria un loc de locuit mai ieftin. Cu toate acestea, acest lucru func\u021bioneaz\u0103 numai dac\u0103 exist\u0103 o diferen\u021b\u0103 semnificativ\u0103 \u00eentre costurile de \u00eenchiriere ale celor dou\u0103 propriet\u0103\u021bi.<\/li>\n\n\n\n
  3. C\u0103uta\u021bi programe de asisten\u021b\u0103 financiar\u0103<\/strong>: \u00een cazul unor cre\u0219teri rapide ale pre\u021burilor, exist\u0103 uneori politici guvernamentale pentru a-i ajuta pe cei care nu-\u0219i mai pot pl\u0103ti datoriile. Aceste programe ar putea oferi o u\u0219urare temporar\u0103 sau un ajutor pentru rambursarea ipotecii \u00een timpul unei perioade de dificult\u0103\u021bi financiare.<\/li>\n<\/ol>\n\n

    Exist\u0103 o cale mai bun\u0103?<\/h2>\n\n

    Chiar dac\u0103 cheltuielile lunare cresc vertiginos, exist\u0103 \u00eenc\u0103 o modalitate de a v\u0103 men\u021bine stilul de via\u021b\u0103. Trebuie doar s\u0103 c\u00e2\u0219tigi mai mult<\/strong>. \u0218i cum nu po\u021bi ob\u021bine o educa\u021bie mai bun\u0103 sau mult\u0103 experien\u021b\u0103 \u00eentr-un timp scurt, cea mai bun\u0103 solu\u021bie este s\u0103 cau\u021bi un loc de munc\u0103 \u00eentr-o \u021bar\u0103 \u00een care salariile sunt mai mari. Pe de alt\u0103 parte, este mai u\u0219or de spus dec\u00e2t de f\u0103cut. Nu toat\u0103 lumea \u00ee\u0219i poate face valiza, \u00ee\u0219i poate pl\u0103ti drumul departe, \u00ee\u0219i poate pl\u0103ti chiria \u0219i se poate \u00eentre\u021bine p\u00e2n\u0103 c\u00e2nd \u00ee\u0219i g\u0103se\u0219te un loc de munc\u0103 \u0219i este pl\u0103tit.<\/p>\n\n

    Dar chiar dac\u0103 nu v\u0103 pute\u021bi permite toate lucrurile pe care le-am men\u021bionat, Atena <\/a>te poate ajuta! \u00ce\u021bi vom g\u0103si un loc de munc\u0103<\/strong>, \u00ee\u021bi vom pl\u0103ti<\/strong> \u00een avans \u0219i \u00ee\u021bi vom alege o pozi\u021bie <\/em>cu cazare sigur\u0103<\/strong>! Atena <\/a>v\u0103 va ajuta, de asemenea, cu toate actele necesare \u0219i v\u0103 va sta la dispozi\u021bie \u00een orice moment pe durata \u0219ederii dumneavoastr\u0103 \u00een str\u0103in\u0103tate. Iar partea cea mai bun\u0103 este c\u0103, atunci c\u00e2nd pleca\u021bi, pute\u021bi \u00eenchiria proprietatea de acas\u0103 – altcineva v\u0103 va pl\u0103ti ipoteca, \u00een timp ce dumneavoastr\u0103 c\u00e2\u0219tiga\u021bi de dou\u0103-trei ori mai mult dec\u00e2t pute\u021bi c\u00e2\u0219tiga acas\u0103.<\/p>\n\n

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

    Ratele dob\u00e2nzilor, ca \u0219i pre\u021burile multor alte lucruri, au crescut. Creditul ipotecar ar putea fi de dou\u0103 ori mai scump acum. \u0218i, de\u0219i pare imposibil, exist\u0103 o modalitate prin care pute\u021bi s\u0103 o achita\u021bi \u0219i s\u0103 v\u0103 p\u0103stra\u021bi stilul de via\u021b\u0103.<\/p>\n","protected":false},"author":20,"featured_media":201523,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[81],"tags":[],"acf":{"facebookpost":"Ca urmare a evenimentelor recente, pre\u021burile multor lucruri au crescut brusc. Ratele dob\u00e2nzilor au crescut, de asemenea, ????. \u00cen unele \u021b\u0103ri, un credit ipotecar care costa 400 de euro pe lun\u0103 cost\u0103 acum mai mult de 900 de euro! Cum v\u0103 pute\u021bi permite s\u0103 rambursa\u021bi oricum? Exist\u0103 o modalitate de a v\u0103 men\u021bine stilul de via\u021b\u0103? Afla\u021bi aici. ","popis_socialneho_obrazku":"Cum s\u0103 mai po\u021bi pl\u0103ti ipoteca?"},"yoast_head":"\nCre\u0219terea brusc\u0103 a ratelor dob\u00e2nzilor \u00een UE - ce putem face pentru a ne p\u0103stra stilul de via\u021b\u0103? - Atena blog<\/title>\n<meta name=\"description\" content=\"Ratele dob\u00e2nzilor \u00een \u00eentreaga UE sunt \u00een cre\u0219tere. Afla\u021bi aici ce pute\u021bi face pentru a v\u0103 men\u021bine la zi cu ipoteca.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/atena.sk\/blog\/ro\/cresterea-brusca-a-ratelor-dobanzilor-in-ue-ce-putem-face-pentru-a-ne-pastra-stilul-de-viata\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cre\u0219terea brusc\u0103 a ratelor dob\u00e2nzilor \u00een UE - ce putem face pentru a ne p\u0103stra stilul de via\u021b\u0103? - Atena blog\" \/>\n<meta property=\"og:description\" content=\"Ratele dob\u00e2nzilor joac\u0103 un rol important \u00een via\u021ba noastr\u0103 - \u00een special pentru persoanele care au un credit ipotecar sau un \u00eemprumut pe termen lung. Din p\u0103cate, acestea au crescut brusc ca urmare a evenimentelor recente. Unii oameni vor pl\u0103ti dublu fa\u021b\u0103 de c\u00e2t pl\u0103teau \u00eenainte. 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