Indicele ROBOR la trei luni este principalul indicator folosit pentru calcularea dobânzilor la creditele în lei.
Indicele ROBOR reprezintă media dobânzilor cu care băncile se împrumută între ele. Cu cât acesta este mai mare, cu atât riscul perceput este mai mare.
Spre comparație, anul trecut în aceeași perioadă, indicele ROBOR era în jur de 0,8%. Luni, indicatorul se situa la 3,13%.
Creșterea indicelui ROBOR afectează în special românii cu credite imobiliare luate prin programul Prima Casă.
De ce crește ROBOR
Dobânzile au crescut și după ce Banca Națională a României aa majorat dobânda-cheie. La rândul ei, BNR a fost forțată să facă acest lucru pentru a contracara inflația, care a atins 5,4% în luna mai.
Prin creșterea dobânzilor, BNR reduce apetitul pentru credite al populației și firmelor și astfel temperează consumul.
Consumul a urcat puternic în ultimii ani, după reduceri masive de taxe și creșteri de salarii și pensii.
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