{"id":110254,"date":"2021-01-06T16:26:07","date_gmt":"2021-01-06T14:26:07","guid":{"rendered":"http:\/\/www.btv.md\/?p=110254"},"modified":"2021-01-06T16:26:07","modified_gmt":"2021-01-06T14:26:07","slug":"premiera-o-banca-ofera-credite-ipotecare-pe-20-de-ani-cu-dobanda-fixa-de-zero-la-suta","status":"publish","type":"post","link":"https:\/\/www.btv.md\/ro\/premiera-o-banca-ofera-credite-ipotecare-pe-20-de-ani-cu-dobanda-fixa-de-zero-la-suta\/","title":{"rendered":"Premier\u0103: O banc\u0103 ofer\u0103 credite ipotecare pe 20 de ani cu dob\u00e2nd\u0103 fix\u0103 de zero la sut\u0103"},"content":{"rendered":"<p data-index=\"1\"><strong>\u00cen vremuri speciale cum sunt cele de pandemie, apar condi\u021bii speciale de creditare. Nordea, o banc\u0103 mare din Danemarca, ofer\u0103 credite ipotecare pe 20 de ani cu dob\u00e2nd\u0103 fix\u0103 zero.<\/strong><\/p>\n<p data-index=\"2\">Practic, clientul trebuie s\u0103 dea \u00eenapoi doar suma \u00eemprumutat\u0103, f\u0103r\u0103 niciun cost de finan\u021bare. Desigur, gestionarea unui credit are \u0219i alte cheltuieli suplimentare de administrare, dar este o premier\u0103 ca o entitate financiar\u0103 s\u0103 ofere un astfel de produs, scrie<a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2021-01-05\/denmark-s-housing-market-at-its-tightest-since-pre-2008-crisis\" target=\"_blank\" rel=\"noopener noreferrer\" data-skip-linkfix=\"1\">\u00a0Bloomberg<\/a>.<\/p>\n<p data-index=\"3\">Danemarca are \u00eens\u0103 o situa\u021bie special\u0103. Banca central\u0103 men\u021bine de opt ani dob\u00e2nda-cheie negativ\u0103, pentru a p\u0103stra valoarea coroanei, moned\u0103 legat\u0103 de euro, transmite <a href=\"https:\/\/www.digi24.ro\/\">digi24.ro<\/a>. \u0218i din 2012, consumatorii danezi au beneficiat de costuri de finan\u021bare extrem de reduse, p\u00e2n\u0103 la nivelul \u00een care s-a ajuns la dob\u00e2nd\u0103 comercial\u0103 zero.<\/p>\n<p data-index=\"4\">Iar pasul f\u0103cut de Nordea pare s\u0103 fi generat un curent. Totalkredit a anun\u021bat c\u0103 va oferi un produs similar. Danske Bank, cel mai mare creditor al \u021b\u0103rii, a semnalat c\u0103 ar face acela\u0219i pas.<\/p>\n<p data-index=\"5\">\u00cen urm\u0103 cu c\u00e2\u0163iva ani, b\u0103ncile din Danemarca au fost primele care au emis obliga\u0163iuni pe 20 de ani cu un cupon de 0%, \u00een condi\u0163iile \u00een care investitorii c\u0103utau plasamentele de refugiu, siguran\u021ba, \u0219i nu c\u00e2\u0219tigurile.<\/p>\n<p data-index=\"6\">\u00cens\u0103 ce se c\u00e2\u0219tig\u0103 pe de o parte, se poate pierde pe alta. Costul redus al finan\u021b\u0103rii poate cre\u0219te eligibilitatea \u0219i atunci apare o cerere mai mare de locuin\u021be, care genereaz\u0103 apoi cre\u0219teri de pre\u021buri posibil p\u00e2n\u0103 la nivel de bul\u0103 speculativ\u0103. Iar \u00een astfel de condi\u021bii, clientul ajunge s\u0103 pl\u0103teasc\u0103 mai mult pentru activul \u00een sine.<\/p>\n<p data-index=\"6\">Sursa\u00a0<strong>\u00a0<a href=\"https:\/\/www.digi24.ro\/\">digi24.ro<\/a>\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen vremuri speciale cum sunt cele de pandemie, apar condi\u021bii speciale de creditare. Nordea, o banc\u0103 mare din Danemarca, ofer\u0103 credite ipotecare pe 20 de ani cu dob\u00e2nd\u0103 fix\u0103 zero. Practic, clientul trebuie s\u0103 dea \u00eenapoi doar suma \u00eemprumutat\u0103, f\u0103r\u0103 niciun cost de finan\u021bare. Desigur, gestionarea unui credit are \u0219i alte cheltuieli suplimentare de administrare, [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":110255,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6369,6377],"tags":[20706],"class_list":["post-110254","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie-ro","category-stiri","tag-premiera-o-banca-din-danemarca-ofera-credite-ipotecare-pe-20-de-ani-cu-dobanda-fixa-de-zero-la-suta"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Premier\u0103: O banc\u0103 ofer\u0103 credite ipotecare pe 20 de ani cu dob\u00e2nd\u0103 fix\u0103 de zero la sut\u0103 - BTV<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.btv.md\/ro\/premiera-o-banca-ofera-credite-ipotecare-pe-20-de-ani-cu-dobanda-fixa-de-zero-la-suta\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Premier\u0103: O banc\u0103 ofer\u0103 credite ipotecare pe 20 de ani cu dob\u00e2nd\u0103 fix\u0103 de zero la sut\u0103 - BTV\" \/>\n<meta property=\"og:description\" content=\"\u00cen vremuri speciale cum sunt cele de pandemie, apar condi\u021bii speciale de creditare. Nordea, o banc\u0103 mare din Danemarca, ofer\u0103 credite ipotecare pe 20 de ani cu dob\u00e2nd\u0103 fix\u0103 zero. Practic, clientul trebuie s\u0103 dea \u00eenapoi doar suma \u00eemprumutat\u0103, f\u0103r\u0103 niciun cost de finan\u021bare. 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