{"id":23291,"date":"2022-11-06T04:07:00","date_gmt":"2022-11-06T04:07:00","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=23291"},"modified":"2022-10-14T11:59:37","modified_gmt":"2022-10-14T10:59:37","slug":"balans-pe-marginea-bulei","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=23291","title":{"rendered":"Balans pe marginea bulei"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n\n<p>De-aici drumul pare lin, \u00een jos<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1506\" height=\"811\" data-attachment-id=\"23293\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=23293#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/image-2.png\" data-orig-size=\"1506,811\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/image-2-480x258.png\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/image-2.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/image-2.png\" alt=\"\" class=\"wp-image-23293\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/image-2.png 1506w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/image-2-480x258.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/image-2-200x108.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/image-2-768x414.png 768w\" sizes=\"auto, (max-width: 1506px) 100vw, 1506px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Cu dou\u0103 s\u0103pt\u0103m\u00e2ni \u00een urm\u0103 (29\/09),  erau oferte de credite ipotecare cu dobanzi fixe la 3, 3 \u0219i ceva la sut\u0103 pe an. <\/p>\n\n\n\n<p>Mooolt, p\u0103i, ce noi am luat cu 1.44% fixed pe 5 ani. <\/p>\n\n\n\n<p>E OK, azi, 14\/10\/2022 &#8211; ofertele au crescut dobanda la creditele fixe pe 5 ani, nu chiar dublu, dar ceva s\u0103 plac\u0103 la toat\u0103 lumea. \u0102stea sunt valabile daca ai avans minim 40%. Adic\u0103, condi\u021biile \u00een care am luat credit \u00een 2021.  Nu cre\u0219te mult , dac\u0103 ai doar 20%, doar la vreo 5.7%. De notat c\u0103 \u0103\u0219tia au \u00een general dob\u00e2nzi bunicele, \u00een general, nu este a\u0219a. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1440\" height=\"652\" data-attachment-id=\"23294\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=23294#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/October-2022-dobanzi-la-credite-UK-Natwest.png\" data-orig-size=\"1440,652\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"October-2022-dobanzi-la-credite-UK-Natwest\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/October-2022-dobanzi-la-credite-UK-Natwest-480x217.png\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/October-2022-dobanzi-la-credite-UK-Natwest.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/October-2022-dobanzi-la-credite-UK-Natwest.png\" alt=\"\" class=\"wp-image-23294\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/October-2022-dobanzi-la-credite-UK-Natwest.png 1440w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/October-2022-dobanzi-la-credite-UK-Natwest-480x217.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/October-2022-dobanzi-la-credite-UK-Natwest-200x91.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/10\/October-2022-dobanzi-la-credite-UK-Natwest-768x348.png 768w\" sizes=\"auto, (max-width: 1440px) 100vw, 1440px\" \/><\/figure>\n\n\n\n<p>Dac\u0103 mai cre\u0219te \u0219i cred c\u0103 mai cre\u0219te , nu se mai pune problema de <strong> dac\u0103<\/strong> se vor devaloriza imobilele, ci cu c\u00e2t.  Nu pot s\u0103 zic c\u0103-mi pas\u0103 prea tare, ca s\u0103 locuiesc \u00eentr-o cas\u0103 ca asta cu chirie tot peste 2,000 de lire pe lun\u0103  ne cost\u0103.<\/p>\n\n\n\n<p>Pentru mine miza e doar dac\u0103 cre\u0219terea dob\u00e2nzilor va rezolva infa\u021bia lirei sau nu. Eu sper c\u0103 nu, cu dumnezeu \u00eenainte \u0219i cu dracu dup\u0103 el. <\/p>\n\n\n\n<p>\u00cen sensul c\u0103 mai sunt 3 ani \u0219i ceva de rate la 1.5% dob\u00e2nd\u0103, vreo 3800 de lire pe an, cost curent. M\u0103run\u021bi\u0219, m\u0103 \u00eempiedic de ei prin cas\u0103.  Dar dup\u0103 aia , la ratele astea se prev\u0103d vreo 10,000 de lire pe an arunca\u021bi pe dob\u00e2nd\u0103. De banii \u0103ia discut\u0103m altfel. A\u0219 prefera s\u0103 discut arunc\u00e2ndu-le \u00een bot o roab\u0103 de m\u0103run\u021bi\u0219 &#8211; \u201dlua\u021bi-v\u0103, b\u0103, lirele \u00eenapoi, s\u0103 nu v\u0103 t\u0103ia\u021bi \u00een plastice c\u00e2nd v\u0103 \u0219terge\u021bi cu ele, m\u0103-n\u021belege\u021bi?\u201e<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>A fost cea mai  norocoas\u0103 alegere s\u0103 cump\u0103r cas\u0103 fix \u00een 2021 la rata aia a dob\u00e2nzii. Credite ieftine au mai  luat \u0219i al\u021bii \u00een UK de prin 2016-17-18, cred &#8211; dar  credit cu perioad\u0103 fix\u0103 pe 5 ani cu 1 an \u0219i un pic \u00eenainte s\u0103 bubuie, aici e \u0219mecheria.  Zic norocoas\u0103, c\u0103 n-aveam de unde dracului s\u0103 \u0219tiu atunci ce-o s\u0103 se \u00eent\u00e2mple anul \u0103sta. Aveam un pic de team\u0103 s\u0103 nu se f\u0103r\u00e2me totul de la pandemie, dar c\u0103 o s\u0103 se scumpeasc\u0103 energia c\u0103 pun ru\u0219ii biciul pe ucrainenii, nu b\u0103nuiam. Speram \u00een sinea mea s\u0103 se f\u0103r\u00e2me lumea asta cu credite ieftine dup\u0103 ce bag eu m\u00e2na \u00een cutia milei, ca un heit\u0103r ce sunt, dar nu m\u0103 g\u00e2ndeam chiar s\u0103 se distrug\u0103 cu rachete \u0219i nucleare, ci a\u0219a mai soft, din pix. <\/p>\n\n\n\n<p>Cunosc oameni care au credite de ~500,000 de lire \u0219i c\u0103rora le expir\u0103 fixul acu\u0219i. \u0102\u0219tia or s\u0103 pl\u0103teasc\u0103 undeva la 30,000 pe an doar dob\u00e2nzi. Un heit\u0103r ar zice, foarte bine, a\u0219a le trebuie. Poate, nu-i problema mea, dar cred c\u0103, \u00eentr-un fel sau altul, o s\u0103 fie un pic \u0219i problema mea. <\/p>\n\n\n\n<p>Fo\u0219ti colegi au plecat de unde lucrez eu pe contracte stabile, \u00een lire, c\u0103 se s\u0103turaser\u0103 s\u0103 scad\u0103 sub 600 de lire\/zi, c\u00e2nd sc\u0103dea SEK-ul. E ok, c\u0103 acum lucreaz\u0103 \u0219i pe 350 &#8211; fix, stabil. <\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>De-aici drumul pare lin, \u00een jos Cu dou\u0103 s\u0103pt\u0103m\u00e2ni \u00een urm\u0103 (29\/09), erau oferte de credite ipotecare cu dobanzi fixe la 3, 3 \u0219i ceva&hellip;<\/p>\n","protected":false},"author":2,"featured_media":5536,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[6],"tags":[5105,5106],"class_list":["post-23291","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-de-criza","tag-criza-2022","tag-dobanzi-la-credite"],"views":1025,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2016\/06\/Gold-toilet-paper.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-63F","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/23291","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23291"}],"version-history":[{"count":1,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/23291\/revisions"}],"predecessor-version":[{"id":23295,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/23291\/revisions\/23295"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/5536"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23291"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23291"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23291"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}