Credite Ipotecare : Dobanda fixa sau variabila?

Majoritatea bancilor practica dobanzi variabile la creditele imobiliare, produsele cu dobanzi fixe fiind destul de putine si nu foarte avantajoase.

Creditele cu dobanda fixa ofera clientului posibilitatea de a cunoaste inca de la inceput toate costurile pe care le are un credit ipotecar pe toata durata sa de viata. Astfel, nu vor exista surprize ulterior, iar rata lunara stabilita initial ramane batuta in cuie

Ratele fixe ale dobanzilor incorporeaza evolutia viitoare a randamentelor, astfel ca acestea pot fi mai mari sau mai mici decat cele variabile, in functie de perspectivele pe termen lung.

In cazul in care un client contracteaza un credit la o dobanda fixa ridicata, el nu va putea beneficia de o eventuala reducere a dobanzilor pe piata interna.

In momentul de fata exista o singura banca care are in oferta dobanda fixa pe toata perioada creditului si 3-4 banci care ofera dobanda fixa in primii 5-10 ani si apoi variabila.

IRCC a avut un parcurs descrescator in ultimii ani, fapt care a determinat ca apetitului clientilor sa fie pentru dobanzi variabile (IRCC plus Marja banca ).

Creditele cu dobanzi variabile ofera posibilitatea de a beneficia de o eventuala ieftinire a finantarilor, dobanda variabia fiind formata din IRCC plus marja fxa a bancii.

Creditele cu dobanzi mixte reprezinta o solutie atractiva pentru persoanele care doresc sa contracteze un imprumut imobiliar pe o perioada relativ scurta si gasesc in momentul contractarii creditului oferte avantajoase la bani. In acest fel, vor beneficia de avantajele dobanzii scazute in prima parte a creditului si ulterior dobanda variabila care are marja fixa stabilita in momentul contractarii creditului, singura variabila este IRCC.

90 thoughts on “Credite Ipotecare : Dobanda fixa sau variabila?”

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