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  • banciUn proiect de lege inițiat de deputata PSD Ana Birchall propune conversia în lei a creditelor luate în valută, iar finanțiștii fac acum socoteli referitoare la impactul pe care ipoteticul act normativ l-ar avea asupra funcționării sistemului bancar.

    Primele estimări spun că nu s-ar produce mari dereglări, dar nici efectele nu ar fi neapărat cele scontate de clienți. Mai pe românește, dat fiind faptul că în momentul de față dobânzile la lei și valută sunt foarte asemănătoare, este foarte posibil ca ratele să NU scadă.

    Marele beneficiu ar fi însă acela că românii vor scăpa de riscul valutar, adica de posibilitatea ca rata lunară a unui împrumut să crească din cauza deprecierii leului în raport cu euro sau francul elvețian, asa cum s-a întâmplat după criză, notează bancherul.ro.

    Publicația menționată citează datele statistice ale BNR, arătând că dobânda la creditele ipotecare în euro este în jurul a 5 procente pe an (mai exact între 4,6% și 5,4%, în funcție de tipul creditului, în derulare sau nou), în timp ce dobânda la creditele noi în lei are o dobândă (cost total-DAE) de 5,22%, mai mică decât DAE la creditele în euro, de 5,37%.

    O posibilă implicație a intrării în vigoare a legii ar putea fi legată de influența asupra cursului de schimb.

    Băncile vor fi nevoite să schimbe în lei valută aferentă creditelor, astfel că BNR ar putea fi nevoită să intervină pentru a echilibra piața valutară și în consecință să facă apel la rezervele sale valutare. Cum însă conversia se va face treptat (proiectul oferă doar posibilitatea clienților să opteze pentru conversie, fără s-o impună) efectele ar putea fi atenuate.

    Acest articol este proprietatea Pagina de Bănci și este protejat de legea drepturilor de autor. Orice preluare a conținutului se poate face doar în limita a 500 de semne, cu citarea sursei și cu link către pagina acestui articol.

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