{"id":37039,"date":"2019-10-31T22:15:26","date_gmt":"2019-10-31T19:15:26","guid":{"rendered":"https:\/\/prohoster.info\/blog\/datskij-bank-doplachivaet-klientam-za-vzyatyj-ipotechnyj-kredit\/"},"modified":"2019-10-31T22:15:26","modified_gmt":"2019-10-31T19:15:26","slug":"datskij-bank-doplachivaet-klientam-za-vzyatyj-ipotechnyj-kredit","status":"publish","type":"post","link":"https:\/\/prohoster.info\/ro\/blog\/news\/datskij-bank-doplachivaet-klientam-za-vzyatyj-ipotechnyj-kredit","title":{"rendered":"Banca danez\u0103 pl\u0103te\u0219te clien\u021bilor pentru \u00eemprumuturile ipotecare","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

Jyske Bank, al treilea cel mai mare banc\u0103 din Danemarca, a anun\u021bat s\u0103pt\u0103m\u00e2na trecut\u0103 c\u0103 clien\u021bii s\u0103i pot acum s\u0103 ia un credit ipotecar pe 10 ani cu o rat\u0103 a dob\u00e2nzii fix\u0103 de -0,5%, ceea ce \u00eenseamn\u0103 c\u0103 clien\u021bii vor returna b\u0103ncii o sum\u0103 mai mic\u0103 dec\u00e2t au \u00eemprumutat.<\/p>\n

\"Banca<\/p>\n

Cu alte cuvinte, dac\u0103 a\u021bi cump\u0103ra o cas\u0103 \u00een credit pentru 1 milion de dolari \u0219i a\u021bi restitui complet ipoteca \u00een 10 ani, a\u021bi returna b\u0103ncii doar 995 de mii de dolari.<\/p>\n

Este de men\u021bionat c\u0103, chiar \u0219i cu o rat\u0103 a dob\u00e2nzii negative, b\u0103ncile percep adesea comisioane legate de procesul de creditare. Aceasta \u00eenseamn\u0103 c\u0103 clien\u021bii vor trebui \u00een cele din urm\u0103 s\u0103 pl\u0103teasc\u0103 o sum\u0103 mai mare dec\u00e2t cea \u00eemprumutat\u0103.<\/p>\n

<\/center><\/p>\n

\u201eAceasta este o nou\u0103 etap\u0103 \u00een povestea ipotecilor. Cu c\u00e2teva luni \u00een urm\u0103 am fi spus c\u0103 este imposibil, dar continu\u0103m s\u0103 ne surprindem, iar aceasta deschide noi oportunit\u0103\u021bi pentru proprietarii de case\u201d, a declarat Mikkel H\u00f8g, economist \u00een domeniul creditelor ipotecare la Jyske Bank, \u00eentr-un interviu pentru o televiziune danez\u0103.<\/p>\n

Rata negativ\u0103 a B\u0103ncii Jyske a devenit una dintre ultimele dintr-o serie de oferte extrem de sc\u0103zute ale b\u0103ncilor pentru proprietarii de case din Danemarca.<\/p>\n

Potrivit The Local, cel mai mare creditor din Scandinavia, Nordea Bank, a anun\u021bat c\u0103 va oferi o ipotec\u0103 cu rat\u0103 fix\u0103 pe 20 de ani cu 0%. Bloomberg raporteaz\u0103 c\u0103 anumite b\u0103nci daneze ofer\u0103 ipoteci pe 30 de ani la o rat\u0103 de 0,5%.<\/p>\n

Poate p\u0103rea ilogic ca b\u0103ncile s\u0103 acorde credite la astfel de rate sc\u0103zute, dar exist\u0103 o explica\u021bie pentru acest lucru.<\/p>\n

Pie\u021bele financiare se afl\u0103 acum \u00eentr-o stare instabil\u0103 \u0219i incert\u0103. Factorii de risc includ r\u0103zboiul comercial \u00een curs dintre SUA \u0219i China, Brexitul \u0219i \u00eencetinirea general\u0103 a cre\u0219terii economice pe glob, \u0219i \u00een special \u00een Europa.<\/p>\n

Mul\u021bi investitori se tem de un colaps financiar \u00een viitorul apropiat. De aceea, unele b\u0103nci sunt dispuse s\u0103 acorde \u00eemprumuturi la rate negative, asum\u00e2ndu-\u0219i pierderi mai mici dec\u00e2t dac\u0103 risc\u0103 pierderi mai mari prin acordarea de credite la rate mai mari pe care clien\u021bii nu le vor putea returna.<\/p>\n

<\/p>\n

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\t\t\t\t


\n\t\t\t\t\t\t\t\t<\/center>
Sursa: 3dnews.ru<\/a><\/p>","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

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[…]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":1,"featured_media":27764,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[702],"tags":[],"class_list":["post-37039","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\n","aioseo_head_json":{"title":"\ud83e\udd47Banca danez\u0103 compenseaz\u0103 clien\u021bii pentru \u00eemprumuturile ipotecare | ProHoster","description":"Banca Jyske, a treia cea mai mare banc\u0103 din Danemarca, a anun\u021bat s\u0103pt\u0103m\u00e2na trecut\u0103 c\u0103 clien\u021bii s\u0103i pot acum ob\u021bine un credit ipotecar pe 10 ani cu o rat\u0103 fix\u0103 a dob\u00e2nzii de \u20130,5%, adic\u0103 clien\u021bii vor restitui 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