De ce bancile ne dau dobanzi mari doar pe termene scurte

GhiseulBancar.ro a scris o serie de articole in care analiza dobanda medie pe care o acorda bancile la depozitele clasice la termen pe o luna, trei luni, sase luni si un an. In urma calcularii indicilor, in care au fost incluse dobanzile acordate de peste 15 dintre cele mai importante banci romanesti, a reiesit ca dobanda atinge un varf la depozitele pe trei luni, dupa care descreste. Intrucat tendinta nu ni s-a parut fireasca, avand in vedere ca dobanda ar trebui sa se majoreze pe masura ce creste perioada depozitului, am cerut lamuriri bancilor care practica aceasta strategie. Iata ce explicatii am primit din partea bancherilor.

Banca Romaneasca: Pe termen lung se asteapta o scadere a dobanzilor la depozite

“Dobanzile depozitelor sunt, in majoritatea cazurilor, dobanzi fixe. In aceste conditii, bancile evita sa angajeze dobanzi fixe pe termen lung”, au declarat pentru GhiseulBancar.ro reprezentantii Bancii Romanesti.
„In plus, bancile au tot timpul in vedere asteparile privind evolutia inflatiei si a dobanzilor de referinta ale BNR. In acest context, pe termene mai lungi este asteptata o reintoarcere a inflatiei la valori mai reduse, lucru care va antrena si o scadere a dobanzilor la depozite.”, au mai precizat ei.

Lucian Nicoara, director al Directiei de Trezorerie si Piete de Capital al Bancii Comerciale Carpatica da o explicatie similara celei de mai sus. „Dobânzile oferite pentru depozitele pe termen scurt sunt mai mari decât cele oferite pentru depozitele pe termen lung datoritã aºteptãrilor de scãdere pe termen lung a dobânzilor”, spune el.

„Nu suntem interesati sa acordam dobanzi mari la depozitele pe termen lung”, explica la randul lor reprezentantii Volksbank. „Aceasta este strategia noastra de atragere a depozitelor”, adauga ei.


OTP Bank: concurenta pentru depozitele pe termen scurt determina majorarea dobanzilor pe aceasta perioada

Oficialii OTP Bank si-au justificat modul cum remunereaza depozitele prin faptul ca majoritatea clientilor care economisesc prefera sa investeasca bani pe o perioada mai scurta.
„Astfel, aproximativ 90% din totalul depozitelor sunt depozite pe maxim 3 luni.
Deoarece bancile doresc sa-si pastreze atat clientii existenti, cat si sa atraga altii noi, iar competitia pe piata bancara este foarte stransa, ofera dobanzi mai mari exact pentru acele perioadele pe care clientul economiseste mai mult”, au declarat ei pentru GhiseulBancar.ro.

In concluzie, doua sunt motivele principale care determina o curba descendenta a dobanzilor in raport cu perioada: preferinta romanilor de a economisi pe termen scurt si asteptarile privind reducerea dobanzilor la depozite in urmatoarea perioada.

18 comentarii

car insurance cost
2018-02-25

auto insurance quotes online instant free auto insurance quotes cheap auto insurance in georgia car insurance

e insurance auto
2018-02-24

cheapest car insurance available cheap car insurance in nj state auto insurance cheap car insurance in florida

Speedy Cash
2018-02-24

online loans instant approval payday loans nc web loan payday now

car insurance prices
2018-02-24

hagerty insurance classic car insurance car insurance rates direct line car insurance quotes car insurance quote

Payday Loans Online
2018-02-24

immediate loan credit loans installment loan companies poor credit loans

Essay Writing Tip
2018-02-23

writing a cover letter for employment great cover letter cover letters cover letters

Getting A Loan
2018-02-22

payday loans guaranteed small loan small loan 500 fast cash

Online Loans
2018-02-22

cash advance california loans in nc poor credit loans guaranteed approval poor credit loans guaranteed approval

nj auto insurance
2018-02-21

insurance auto safeco car insurance insurance auto insurance auto quotes

amica car insurance
2018-02-21

car insurance quotes in georgia cheap auto insurance in texas car insurance quotes car insurance quote

insurance quote
2018-02-20

car insurance quote free car insurance quotes car insurance quote auto insurance near me

ins
2018-02-20

auto insurance quotes comparison auto insurance quotes comparison auto insurance quotes comparison auto insurance quotes comparison

cheap car ins
2018-02-19

car insurance quotes compare car insurance quotes car insurance quotes comparison car insurance quotes comparison

direct car insurance
2018-02-19

car insurance quote online car insurance quote car insurance quotes florida car insurance quotes florida

Assignment Helps
2018-02-19

perfect cover letter make a cover letter perfect cover letter https://coverletters.us.com - cover letter for application

JamesMal
2018-02-18

direct lender payday loans payday loan direct lender payday advance loans payday loans direct lender free adult video chat online slave training porn chat amateur webcam girls term paper college essay research paper essay papers school papers buy research papers online no plagiarism school papers school papers pay day loan payday cash advances quick loan payday advance loan quick loans cash loan lenders payday loans quick loan

Cash Loan
2018-02-18

long term loans for bad credit best payday loans for bad credit installment loans direct lenders cash money payday loans

Help With My Essay
2018-02-18

cover letters effective cover letter cover letters cover letters

Posteaza un comentariu