{"id":34526,"date":"2026-01-28T02:54:42","date_gmt":"2026-01-28T02:54:42","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=34526"},"modified":"2025-12-31T13:48:37","modified_gmt":"2025-12-31T13:48:37","slug":"costul-banilor","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=34526","title":{"rendered":"Costul banilor #0126"},"content":{"rendered":"
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Am tr\u0103it \u00een huzur \u00een ultimii 5 ani.
Am mai zis c\u0103 lumea cam chi\u021b\u0103ie cu ratele la case.
Vod\u0103 cu dob\u00e2nd\u0103 mult sub rata infla\u021biei, efectiv de vreo 3 ori sub.
Bine , rat\u0103 de s\u0103raci, dob\u00e2nd\u0103 la mi\u0219to.
La rata asta st\u0103team dator o via\u021b\u0103. Mai ceream bani. <\/p>\n\n\n\n

5 ani i-am jupuit. Efectiv, luat creditul c\u00e2nd era scutire de tax\u0103 de timbru la 1st buyer \u0219i dob\u00e2nda mic\u0103-mic\u0103-mic\u0103, precum pula de furnic\u0103 \u0219i infla\u021bia la fel – anul urm\u0103tor s-a d\u0103r\u00e2mat \u0219andramaua, dar nu pentru mine, fixed pe 5 ani baby. Dac\u0103 eram cum am avut \u00een Rom\u00e2nia, credit cu roboare \u0219i euriboare, nu muream, dar nu era a\u0219a amuzant. Deloc. Nu mai f\u0103ceam nicio renovare, le pl\u0103team creditul, p\u00e2n\u0103 acum . C\u0103 altfel \u00eemb\u0103tr\u00e2neam cu dob\u00e2nd\u0103.
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Evident, nimic nu \u021bine o eternintate \u0219i cred c\u0103 am speculat maximul pe care-l puteam specula pe toate p\u0103r\u021bile, dar ajunge. <\/p>\n\n\n\n

Au trimis \u0103ia de la banc\u0103 notificarea c\u0103 a venit ziua c\u0103nii.
De anul \u0103sta ( relativ la c\u00e2nd citi\u021bi voi) , de c\u00e2nd se termin\u0103 fixul , dac\u0103 nu fac alt deal cu ei, <\/strong> intru pe variabil 6.99% APR – adic\u0103 7% DAE cum ar fi \u00een Rom\u00e2nia.
\u0218i ar zbura rata de la 578 de lire pe lun\u0103 la 940. Nu o s\u0103 fie cazul, c\u0103 oricum avem de pl\u0103tit un overpayment de 20% din c\u00e2t a mai r\u0103mas de plat\u0103. Iar asta ar sc\u0103dea-o. Dar c\u00e2nd am v\u0103zut poza, m-a luat nebunia lui Salam. <\/p>\n\n\n\n

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Bun, \u0219i care-s noile dealuri? Erau, \u00een noiembrie.
Fix pe 2 ani de 4.1% cu rata la 738 de lire. Mai pu\u021bin c\u0103 am zis c\u0103 pl\u0103tim 20% din ce-a r\u0103mas.
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Dac\u0103 le pl\u0103tim un comision de<\/strong> 995 lire fix, putem lua \u201dun produs\u201d, un deal, cu o dob\u00e2nd\u0103 fix\u0103 de 3.79% pe doi ani, care nu are sens c\u0103 e suma prea mic\u0103 \u0219i 995 de lire e mai mult dec\u00e2t suma care revine de plat\u0103 ca diferen\u021b\u0103 dintre 4.1%-3.79% \u00een doi ani. <\/p>\n\n\n\n

Exist\u0103 \u0219i produsul \u0103sta pentru 5 ani , dar nu merit\u0103, la suma asta , diferen\u021ba nici pentru 5 ani \u0219i oricum nu-s interesat s\u0103 \u021bin creditul deschis \u00eenc\u0103 5 ani la dob\u00e2nzi din \u0103stea .
\u00cen Rom\u00e2nia poate vi se pare pu\u021bin. Mie nu!<\/p>\n\n\n\n

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Ce voiam s\u0103 zic e c\u0103 atunci c\u00e2nd mi-a ar\u0103tat so\u021bia mesajul m-a apucat direct tremuratul c\u0103 lichidez toate conturile bancare \u0219i pl\u0103tesc creditul, s\u0103 n-aud. Ce e vr\u0103jeala asta cu + 4344 de lire pe an dob\u00e2nd\u0103!<\/p>\n\n\n\n

Ce NU se vede, datorit\u0103 modului cum \u00eempacheteaz\u0103 \u0103\u0219tia creditul cu rate egale, n-ai op\u021biunea de rate descresc\u0103toare e c\u0103 dob\u00e2nda cre\u0219te de la 1742 lire pe an, \u00een sistemul \u0103sta la 8470 de lire pe an pe floating rate, adic\u0103 cre\u0219te costul cu 6728 de lire pe an. Cu 560 de lire pe lun\u0103, dar am zis, nu se vede a\u0219a, datorit\u0103 sistemului cu rate egale. <\/p>\n\n\n\n

Dob\u00e2nda anual\u0103 la oferta cu 4.1% pe an e de 4961 lire pe an, adic\u0103 413 lire pe lun\u0103. <\/p>\n\n\n\n

Dac\u0103 vreau s\u0103 p\u0103strez acela\u0219i cost – aka dob\u00e2nd\u0103 anual\u0103, trebuie s\u0103 pl\u0103tim p\u00e2n\u0103 la finalul termenului fix 64% din suma r\u0103mas\u0103 de plat\u0103. Lucru care e perfect posibil, am putea pl\u0103ti tot creditul \u0219i r\u0103m\u00e2ne un pic \u00een curul gol, dar so\u021bia are alt\u0103 p\u0103rere, nu neap\u0103rat gre\u0219it\u0103.
Ce-o s\u0103 fac? O s\u0103 muncesc, ideal. Ce plm s\u0103 fac. Dar e important\u0103 poza situa\u021bional\u0103, nu a mea, a \u021b\u0103rii.

Datoria medie ipotecar\u0103 a \u021b\u0103rii \u0103\u0219tia ( \u201dmorga\u201d, cum spun romulanii din UK la \u201dmortgage\u201d) e undeva la 238500 lire<\/a>. \u00cen momentul de fa\u021b\u0103 media duratei ipotecare r\u0103mase e undeva la \u00eentre 20 \u0219i 25 de ani, n-am g\u0103sit date exacte c\u0103 \u0103\u0219tia tot restructureaz\u0103 datoriile \u0219i le mut\u0103 p\u00e2n\u0103 la pensie, dac\u0103 erau prea tineri c\u00e2nd le-au f\u0103cut, iar v\u00e2rsta medie \u00een UK e 40 de ani.
Or, asta \u00eenseamn\u0103 c\u0103 rata medie la \u00eemprumuturile imobiliare este undeva la 1700 de lire\/ lun\u0103, din care 800 de lire pe lun\u0103 sunt de regul\u0103 dob\u00e2nd\u0103. Sunt 10.5 milioane de morgi \u00een \u021bara asta, care \u00eenseamn\u0103 c\u0103 populimea \u021b\u0103rii \u0103\u0219tia, o bun\u0103 propor\u021bie, chiria\u0219i, sau proprietari cu credite, pl\u0103tesc dob\u00e2nzi la case de ordinul a 8.4 miliarde de lire. <\/p>\n\n\n\n


Cui?
\u00cen general sunt acelea\u0219i vechicule investi\u021bionale care de\u021bin mare parte din capitalul global. BlackRock Inc, de exemplu, e public, dar ei sunt de\u021binu\u021bi de alte fonduri de investi\u021bii care-s private, iar aici e schema \u0219i direc\u021bia banilor pe care \u00eei dator\u0103m to\u021bi. <\/p>\n\n\n\n

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Am tr\u0103it \u00een huzur \u00een ultimii 5 ani. Am mai zis c\u0103 lumea cam chi\u021b\u0103ie cu ratele la case. Vod\u0103 cu dob\u00e2nd\u0103 mult sub rata…<\/p>\n","protected":false},"author":2,"featured_media":34529,"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":[3499],"tags":[],"class_list":["post-34526","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie"],"views":349,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2025\/12\/image-16.png","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-8YS","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/34526","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=34526"}],"version-history":[{"count":2,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/34526\/revisions"}],"predecessor-version":[{"id":34542,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/34526\/revisions\/34542"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/34529"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=34526"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=34526"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=34526"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}