{"id":9616,"date":"2017-10-03T15:41:48","date_gmt":"2017-10-03T13:41:48","guid":{"rendered":"http:\/\/catalinx.ro\/wordpress\/?p=9616"},"modified":"2017-10-03T19:23:16","modified_gmt":"2017-10-03T17:23:16","slug":"cresterea-robor-si-inca-un-autogol-marca-isarescu","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=9616","title":{"rendered":"Cre\u0219terea Robor si \u00eenc\u0103 un autogol marca Is\u0103rescu"},"content":{"rendered":"
<\/div>\n

Am vazut ceva \u0219tiri cum c\u0103 vai, creste ROBOR-ul \u00eentr-o veselie<\/a>\u00a0\u0219i se scumpesc creditele in lei \u0219i c\u0103\u00a0mor\u021bii lu’ Isarescu<\/a>.<\/p>\n

Cu ultima parte sunt de acord, de\u0219i strict \u00een cazul \u0103sta nu-i neaparat el de vin\u0103, dar a\u0219a din principiu, poate sc\u0103p\u0103m odat\u0103 de el, indiferent din ce motive. E drept \u0219i c\u0103 s\u0103 la\u0219i PSD-ul s\u0103-l \u00eenlocuiasc\u0103 cu un om favorabil lor nu-i cea mai bun\u0103 idee, dar, plm, dec\u00e2t nimic, n-are cum s\u0103 fie mai r\u0103u. De\u0219i, Tudose mi se pare cam steril, incapabil s\u0103 schimbe situa\u021bia, deci scaunul lui Isarescu e \u00eenc\u0103 tare \u0219i mirositor.<\/p>\n

Sunt v\u00e2ndute c\u00e2teva explica\u021bii pentru care cre\u0219te indicatorul \u0103sta, printre care una politic\u0103<\/a>, legat\u0103 de politicile de guvernare care se reflect\u0103 \u00een infla\u021bie, printre altele, care-i just, dar nu suficient. Varianta-i, evident, sus\u021binut\u0103 de BNR , pentru ca pune problema pe seama politicului.<\/p>\n

Se mai spune cu jum\u0103tate de gur\u0103 ceva de dividendul social ( \u00a0e vorba de obliga\u021bia firmelor de stat de a livra la stat 90% din profitul net, care ar duce la retragerea a 4.9 miliarde de lei din lichidit\u0103\u021bile de pe pia\u021b\u0103. \u00a0Sunt rezervat \u00een aprecierea asta. Ok, banii statului nu stau in b\u0103nci, ci \u00een trezorerie \u0219i e un efect asupra lichidit\u0103\u021bii disponibile c\u0103tre banci, dar \u00a0 influen\u021ba mi se pare marginal\u0103.<\/p>\n

Alta-i pus\u0103 pe spinarea BNR-ului legat\u0103 de politica monetar\u0103 . Mai exact de faptul c\u0103 BNR a trebuit s\u0103 retraga ni\u0219te lei de pe pia\u021b\u0103 \u00a0pentru a stabiliza cursul la 4.6 lei.<\/p>\n

\u0218i cu asta am o problem\u0103. Aten\u021bie, nu implic faptul c\u0103 problemele economice care au dus la destabilizarea leului \u0219i implic\u0103 cre\u0219terea ROBOR sunt cauzate de Is\u0103rescu. Nu. Discut doar strategia lui at\u00e2t pe tema creditelor, c\u00e2t \u0219i de reac\u021bie, \u00een cazul \u0103sta.<\/p>\n

Citez de aici<\/a><\/strong>:<\/p>\n

Pentru un credit de 225 de mii de lei, adic\u0103 50 de mii de euro, pentru care rata era 910 lei c\u00e2nd indicele era 0,65 la sut\u0103, azi deja a dep\u0103\u0219it 1.000 de lei. Dac\u0103 indicele ROBOR va ajunge la 2% la sf\u00e2r\u0219itul de an, rata va cre\u0219te cu 164 de lei.<\/p><\/blockquote>\n

Personal, nu \u00eemi pas\u0103 cu c\u00e2t cre\u0219te dob\u00e2nda la creditele \u00een lei. Deloc. Am avut un credit de consum \u00een lei, pentru ma\u0219in\u0103, luat cu dobanda cea mai fix\u0103 care este f\u0103r\u0103 ROBOR sau alt BOR. Mare, 10%,, dar fix\u0103, ca s\u0103 nu avem vorbe la proces. Pe care l-am pl\u0103tit oricum.<\/p>\n

Am un credit \u00een euro, cu dob\u00e2nd\u0103 descresc\u0103toare ( returnare de rat\u0103 fix\u0103 din principal), \u00a0dependent de EURIBOR, iar la \u0103la dac\u0103 cre\u0219te, mult\u0103 lume o s\u0103 cam sug\u0103 pula, iar mie o s\u0103 mi se rup\u0103, oricum, din punctul \u0103sta \u00eencolo.<\/p>\n

\u00cen momentul de fa\u021b\u0103\u00a0nimeni din familia mea\u00a0<\/strong> nu mai munce\u0219te pentru lei. A\u0219a s\u0103 ne-ajute dumnezeu, cum ar spune \u0219eful BOR. Singurii lei care \u00eemi intr\u0103 \u00een conturi sunt aloca\u021biile copiilor, plm, mai pu\u021bine juc\u0103rii \u0219i mizerii cump\u0103rate aiurea, foarte bine.<\/p>\n

Dar, vorbind serios, \u00a0creditarea \u00een lei a fost impus\u0103 ( foarte just) pentru creditele prima casa \u0219i pentru \u00eenc\u0103 altele, \u00a0dup\u0103 problemele cu creditele in euro , franci elve\u021bieni, tolerate ini\u021bial de Is\u0103rescu.<\/p>\n

Bun, deci ai sf\u0103tuit toat\u0103 popula\u021bia s\u0103-\u0219i ia credite \u00een lei c\u0103 lei primesc la salariu ? Ai. Nu vorbim de mine aici, asta e situa\u021bia, \u00een general.<\/p>\n

Ajungi apoi \u00een punctul \u00een care, tu ca banc\u0103 na\u021bional\u0103, dup\u0103 ce sf\u0103tuie\u0219ti populimea s\u0103 ia credite \u00een lei, determini \u00a0( chiar dac\u0103 nu sunt ei la originea problemei) scumpirea creditelor pule\u021bilor astora, pentru c\u0103 e\u0219ti nevoit s\u0103 impiedici devalorizarea cui? A EURO<\/strong>!<\/p>\n

P\u0103i, cum vine asta, coaie? \u00cenvit\u0103m popula\u021bia s\u0103 fac\u0103 credite \u00een lei, ca s\u0103 nu-\u0219i mai ia \u021beap\u0103 cu monede str\u0103ine, dup\u0103 care \u00a0\u00eei punem s\u0103 pl\u0103teasc\u0103, pentru ca s\u0103 nu \u00ee\u0219i ia \u021beap\u0103 \u0103ia care au luat \u00a0credite \u00een monede str\u0103ine? Are vreo logic\u0103 asta \u00een mintea cuiva?<\/p>\n

Hai s\u0103 fiu mai clar. Acum un an eu c\u00e2\u0219tigam, \u00een mare, lei. \u0218i aveam creditul \u00een Euro, cu dob\u00e2nd\u0103 mai stabil\u0103, pe baza faptului c\u0103 nu-i influen\u021bat\u0103 de politica local\u0103. Dar cu riscul ca politica local\u0103 s\u0103 fut\u0103 cursul de schimb \u0219i s\u0103 pl\u0103tesc oricum p\u00e2n\u0103 \u00eemi iese pe nas, la un caz de devalorizare a leului. Ca asta de acum, pe care nu o las\u0103 BNR s\u0103 transpire. Eu \u0219tiam exact ce trebuie s\u0103 fac \u00een cazul \u00een care se fute cursul, dar hai sa ignor\u0103m partea asta.<\/p>\n

Un cet\u0103\u021beam mai responsabil \u0219i care a ascultat de sfaturile b\u0103ncii centrale \u0219i de mesajele politice ar fi contractat credit \u00een lei. \u0218i eu a\u0219 fi putut la momentul \u0103la ( mai devreme dec\u00e2t momentul \u00een care s-a implicat BNR \u0219i a t\u0103iat finan\u021barea prima casa in euro), dar era dob\u00e2nda 9% la prima cas\u0103; \u0219i dependent de ROBOR, desigur. Lohohol. \u00cen situa\u021bia curent\u0103 a devaloriz\u0103rii leului \u0219i a problemelor economice care-\u0219i vor scoate, pe ici pe colo, col\u021bii \u00een Rom\u00e2nia, ar fi trebuit \u00a0ca primii care \u0219i-o iau \u00een muf\u0103 s\u0103 fie \u0103ia cu credite \u00een Euro. \u0102ia ca mine. \u00a0A\u0219a de la distan\u021b\u0103, zbang – cursul la 4.75 – na Ilie! Ca s\u0103 protej\u0103m bravii cet\u0103\u021beni care \u00a0folosesc moneda na\u021bional\u0103. A\u0219a ar fi cinstit.<\/p>\n

Dar nu, \u00a0\u00een 2006-2009 rom\u00e2nii au fost futu\u021bi de b\u0103nci s\u0103 \u00ee\u0219i ia muie cu creditele \u00a0\u00een Euro \u0219i FF, prin condi\u021bii \u0219i constr\u00e2ngeri, din 2016, au fost futu\u021bi de BNR s\u0103 \u00a0\u00ee\u0219i ia muie cu creditele \u00een lei prin dou\u0103 politici contradictorii: stimularea credit\u0103rii \u00een lei \u0219i protejarea cursului euro, pe seama dob\u00e2nzilor pl\u0103tite de creditacii \u00een lei.<\/p>\n

P\u0103i, super, ce s\u0103 spun, Is\u0103rescu probabil c\u0103 e un geniu, sau ceva.<\/p>\n

\u00centre timp, la mine merge totul conform planului. Planul s\u0103-mi bag pula \u00een politicile BNR \u0219i s\u0103 depind c\u00e2t \u00a0mai pu\u021bin de strategia glorioas\u0103 a lui Is\u0103rescu.<\/p>\n

Not\u0103: \u0218tiu c\u0103 stabilizarea cursului euro nu se urm\u0103re\u0219te av\u00e2nd ca scop principal \u0219i unic protejarea creditelor \u00een euro, e mai mult de at\u00e2t, dar pula mea, c\u00e2nd \u00eentreprinzi ni\u0219te ac\u021biuni te g\u00e2nde\u0219ti la consecin\u021be \u0219i la imagine, nu? \u0218i la cine \u00ee\u021bi pl\u0103te\u0219te \u00a0diferen\u021ba de la valoarea leului la cursul de schimb, nu?<\/p>\n

Corect ar fi s\u0103 o pl\u0103teasc\u0103 \u0103ia care achizi\u021bioneaz\u0103 bunuri \u0219i servicii facturate \u00een EUR\/ USD , adic\u0103 de import, pe scurt. Dar de ce s\u0103 nu-i protej\u0103m pe \u0103ia \u0219i s\u0103-i punem s\u0103 pl\u0103teasc\u0103 pe pulifricii cu ciclu economic strict \u00een moneda na\u021bional\u0103.<\/p>\n

\"\"<\/a><\/p>\n

 <\/p>\n

 <\/p>\n

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

Am vazut ceva \u0219tiri cum c\u0103 vai, creste ROBOR-ul \u00eentr-o veselie\u00a0\u0219i se scumpesc creditele in lei \u0219i c\u0103\u00a0mor\u021bii lu’ Isarescu. Cu ultima parte sunt de…<\/p>\n","protected":false},"author":2,"featured_media":9618,"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":[170],"tags":[910,2115,549,2114],"class_list":["post-9616","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politice","tag-banci","tag-credite-in-lei","tag-isarescu","tag-robor"],"views":3933,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2017\/10\/1893-isarescu-10.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-2v6","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/9616","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=9616"}],"version-history":[{"count":4,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/9616\/revisions"}],"predecessor-version":[{"id":9622,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/9616\/revisions\/9622"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/9618"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9616"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=9616"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=9616"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}