Citatul zilei
“Există întotdeauna loc pentru îmbunătăţiri, indiferent de cât timp ai fost în afacere.”
Oscar De La Hoya
IRCC
Scurtă definiție. Ce înseamnă de fapt IRCC?
IRCC înseamnă Indicele de referință pentru creditele consumatorilor. Avem doua siuații: indice trimestrial și indice zilnic.
IRCC zilnic al pieței monetare interbancare se calculează zilnic și reprezintă media ponderată (cu volumele tranzacțiilor) a ratelor de dobândă ale tranzacțiilor de pe piața monetară interbancară.
IRCC trimestrial se calculează la finalul fiecărui trimestru. IRCC trimestrial se stabilește drept media aritmetică a valorilor IRCC zilnice comunicate pentru trimestrul anterior (se iau in considerare toate zilele lucrătoare din trimestru), urmând a se aplica de fiecare instituție de credit pentru trimestrul următor.
Perioada | Valoare IRCC trimestrial |
---|---|
2020T3 | 1,88 |
2020T2 | 2,17 |
2020T1 | 2,41 |
2019T4 | 2,44 |
2019T3 | 2,36 |
2019T2 | 2,66 |
2019T1 | 2,63 |
2018T4 | 2,36 |
Istoric și grafic IRCC zilnic
Valorile extreme ale indicelui IRCC zilnic în perioada 13 ianuarie 2020 - 20 ianuarie 2021:
Valoare maxima: 2.8 % (27 ianuarie 2020)
Valoare minima: 0.85 % (18 ianuarie 2021)
Valoare medie pentru perioada selectată este 1.98 %
Data | IRCC zilnic | Variație | |
---|---|---|---|
19 Ian. 2021 | 0.92 | +0.07 | 8.24 % |
18 Ian. 2021 | 0.85 | -0.19 | -18.27 % |
15 Ian. 2021 | 1.04 | -0.05 | -4.59 % |
14 Ian. 2021 | 1.09 | 0 | 0 % |
13 Ian. 2021 | 1.09 | -0.10 | -8.4 % |
12 Ian. 2021 | 1.19 | +0.06 | 5.31 % |
11 Ian. 2021 | 1.13 | -0.01 | -0.88 % |
8 Ian. 2021 | 1.14 | -0.15 | -11.63 % |
7 Ian. 2021 | 1.29 | +0.02 | 1.57 % |
6 Ian. 2021 | 1.27 | +0.08 | 6.72 % |
5 Ian. 2021 | 1.19 | -0.20 | -14.39 % |
4 Ian. 2021 | 1.39 | -0.12 | -7.95 % |
31 Dec. 2020 | 1.51 | -0.07 | -4.43 % |
30 Dec. 2020 | 1.58 | -0.09 | -5.39 % |
29 Dec. 2020 | 1.67 | -0.14 | -7.73 % |
28 Dec. 2020 | 1.81 | -0.04 | -2.16 % |
24 Dec. 2020 | 1.85 | +0.51 | 38.06 % |
23 Dec. 2020 | 1.34 | +0.12 | 9.84 % |
22 Dec. 2020 | 1.22 | +0.07 | 6.09 % |
21 Dec. 2020 | 1.15 | +0.02 | 1.77 % |
18 Dec. 2020 | 1.13 | -0.05 | -4.24 % |
17 Dec. 2020 | 1.18 | +0.01 | 0.85 % |
16 Dec. 2020 | 1.17 | -0.02 | -1.68 % |
15 Dec. 2020 | 1.19 | -0.15 | -11.19 % |
14 Dec. 2020 | 1.34 | -0.13 | -8.84 % |
11 Dec. 2020 | 1.47 | -0.12 | -7.55 % |
10 Dec. 2020 | 1.59 | -0.05 | -3.05 % |
9 Dec. 2020 | 1.64 | -0.05 | -2.96 % |
8 Dec. 2020 | 1.69 | -0.07 | -3.98 % |
7 Dec. 2020 | 1.76 | -0.01 | -0.56 % |
4 Dec. 2020 | 1.77 | +0.05 | 2.91 % |
3 Dec. 2020 | 1.72 | +0.01 | 0.58 % |
2 Dec. 2020 | 1.71 | -0.06 | -3.39 % |
27 Nov. 2020 | 1.77 | +0.03 | 1.72 % |
26 Nov. 2020 | 1.74 | -0.01 | -0.57 % |
25 Nov. 2020 | 1.75 | +0.04 | 2.34 % |
24 Nov. 2020 | 1.71 | +0.48 | 39.02 % |
23 Nov. 2020 | 1.23 | +0.07 | 6.03 % |
20 Nov. 2020 | 1.16 | -0.13 | -10.08 % |
19 Nov. 2020 | 1.29 | -0.03 | -2.27 % |
18 Nov. 2020 | 1.32 | +0.12 | 10 % |
17 Nov. 2020 | 1.2 | +0.01 | 0.84 % |
16 Nov. 2020 | 1.19 | -0.21 | -15 % |
13 Nov. 2020 | 1.4 | -0.20 | -12.5 % |
12 Nov. 2020 | 1.6 | +0.01 | 0.63 % |
11 Nov. 2020 | 1.59 | -0.06 | -3.64 % |
10 Nov. 2020 | 1.65 | -0.05 | -2.94 % |
9 Nov. 2020 | 1.7 | -0.07 | -3.95 % |
6 Nov. 2020 | 1.77 | +0.04 | 2.31 % |
5 Nov. 2020 | 1.73 | -0.01 | -0.57 % |
4 Nov. 2020 | 1.74 | -0.03 | -1.69 % |
3 Nov. 2020 | 1.77 | -0.08 | -4.32 % |
2 Nov. 2020 | 1.85 | -0.08 | -4.15 % |
30 Oct. 2020 | 1.93 | -0.02 | -1.03 % |
29 Oct. 2020 | 1.95 | +0.07 | 3.72 % |
28 Oct. 2020 | 1.88 | -0.02 | -1.05 % |
27 Oct. 2020 | 1.9 | -0.05 | -2.56 % |
26 Oct. 2020 | 1.95 | -0.01 | -0.51 % |
23 Oct. 2020 | 1.96 | +0.22 | 12.64 % |
22 Oct. 2020 | 1.74 | -0.11 | -5.95 % |
21 Oct. 2020 | 1.85 | -0.05 | -2.63 % |
20 Oct. 2020 | 1.9 | -0.03 | -1.55 % |
19 Oct. 2020 | 1.93 | -0.06 | -3.02 % |
16 Oct. 2020 | 1.99 | +0.01 | 0.51 % |
15 Oct. 2020 | 1.98 | -0.01 | -0.5 % |
14 Oct. 2020 | 1.99 | +0.01 | 0.51 % |
13 Oct. 2020 | 1.98 | +0.01 | 0.51 % |
12 Oct. 2020 | 1.97 | -0.01 | -0.51 % |
9 Oct. 2020 | 1.98 | -0.01 | -0.5 % |
8 Oct. 2020 | 1.99 | +0.01 | 0.51 % |
7 Oct. 2020 | 1.98 | -0.01 | -0.5 % |
6 Oct. 2020 | 1.99 | +0.01 | 0.51 % |
5 Oct. 2020 | 1.98 | -0.02 | -1 % |
2 Oct. 2020 | 2 | +0.01 | 0.5 % |
1 Oct. 2020 | 1.99 | -0.03 | -1.49 % |
30 Sept. 2020 | 2.02 | +0.01 | 0.5 % |
29 Sept. 2020 | 2.01 | +0.02 | 1.01 % |
28 Sept. 2020 | 1.99 | 0 | 0 % |
25 Sept. 2020 | 1.99 | +0.04 | 2.05 % |
24 Sept. 2020 | 1.95 | +0.56 | 40.29 % |
23 Sept. 2020 | 1.39 | +0.10 | 7.75 % |
22 Sept. 2020 | 1.29 | -0.09 | -6.52 % |
21 Sept. 2020 | 1.38 | -0.11 | -7.38 % |
18 Sept. 2020 | 1.49 | -0.05 | -3.25 % |
17 Sept. 2020 | 1.54 | -0.10 | -6.1 % |
16 Sept. 2020 | 1.64 | -0.02 | -1.2 % |
15 Sept. 2020 | 1.66 | -0.07 | -4.05 % |
14 Sept. 2020 | 1.73 | -0.12 | -6.49 % |
11 Sept. 2020 | 1.85 | -0.04 | -2.12 % |
10 Sept. 2020 | 1.89 | +0.05 | 2.72 % |
9 Sept. 2020 | 1.84 | +0.08 | 4.55 % |
8 Sept. 2020 | 1.76 | +0.05 | 2.92 % |
7 Sept. 2020 | 1.71 | -0.04 | -2.29 % |
4 Sept. 2020 | 1.75 | -0.10 | -5.41 % |
3 Sept. 2020 | 1.85 | -0.02 | -1.07 % |
2 Sept. 2020 | 1.87 | -0.05 | -2.6 % |
1 Sept. 2020 | 1.92 | +0.01 | 0.52 % |
31 Aug. 2020 | 1.91 | -0.03 | -1.55 % |
28 Aug. 2020 | 1.94 | -0.01 | -0.51 % |
27 Aug. 2020 | 1.95 | +0.02 | 1.04 % |
26 Aug. 2020 | 1.93 | -0.01 | -0.52 % |
25 Aug. 2020 | 1.94 | +0.02 | 1.04 % |
24 Aug. 2020 | 1.92 | +0.65 | 51.18 % |
21 Aug. 2020 | 1.27 | +0.08 | 6.72 % |
20 Aug. 2020 | 1.19 | -0.18 | -13.14 % |
19 Aug. 2020 | 1.37 | -0.13 | -8.67 % |
18 Aug. 2020 | 1.5 | -0.16 | -9.64 % |
17 Aug. 2020 | 1.66 | -0.19 | -10.27 % |
14 Aug. 2020 | 1.85 | -0.05 | -2.63 % |
13 Aug. 2020 | 1.9 | +0.01 | 0.53 % |
12 Aug. 2020 | 1.89 | +0.10 | 5.59 % |
11 Aug. 2020 | 1.79 | -0.03 | -1.65 % |
10 Aug. 2020 | 1.82 | -0.06 | -3.19 % |
7 Aug. 2020 | 1.88 | +0.02 | 1.08 % |
6 Aug. 2020 | 1.86 | -0.26 | -12.26 % |
5 Aug. 2020 | 2.12 | -0.02 | -0.93 % |
4 Aug. 2020 | 2.14 | -0.03 | -1.38 % |
3 Aug. 2020 | 2.17 | 0 | 0 % |
31 Iul. 2020 | 2.17 | +0.02 | 0.93 % |
30 Iul. 2020 | 2.15 | -0.02 | -0.92 % |
29 Iul. 2020 | 2.17 | -0.02 | -0.91 % |
28 Iul. 2020 | 2.19 | +0.05 | 2.34 % |
27 Iul. 2020 | 2.14 | -0.07 | -3.17 % |
24 Iul. 2020 | 2.21 | +0.42 | 23.46 % |
23 Iul. 2020 | 1.79 | -0.15 | -7.73 % |
22 Iul. 2020 | 1.94 | -0.14 | -6.73 % |
21 Iul. 2020 | 2.08 | -0.04 | -1.89 % |
20 Iul. 2020 | 2.12 | -0.05 | -2.3 % |
17 Iul. 2020 | 2.17 | +0.07 | 3.33 % |
16 Iul. 2020 | 2.1 | +0.07 | 3.45 % |
15 Iul. 2020 | 2.03 | +0.04 | 2.01 % |
14 Iul. 2020 | 1.99 | +0.02 | 1.02 % |
13 Iul. 2020 | 1.97 | 0 | 0 % |
10 Iul. 2020 | 1.97 | -0.03 | -1.5 % |
9 Iul. 2020 | 2 | -0.01 | -0.5 % |
8 Iul. 2020 | 2.01 | +0.07 | 3.61 % |
7 Iul. 2020 | 1.94 | -0.19 | -8.92 % |
6 Iul. 2020 | 2.13 | +0.02 | 0.95 % |
3 Iul. 2020 | 2.11 | -0.04 | -1.86 % |
2 Iul. 2020 | 2.15 | -0.01 | -0.46 % |
1 Iul. 2020 | 2.16 | -0.03 | -1.37 % |
30 Iun. 2020 | 2.19 | +0.08 | 3.79 % |
29 Iun. 2020 | 2.11 | -0.02 | -0.94 % |
26 Iun. 2020 | 2.13 | 0 | 0 % |
25 Iun. 2020 | 2.13 | 0 | 0 % |
24 Iun. 2020 | 2.13 | +0.61 | 40.13 % |
23 Iun. 2020 | 1.52 | -0.18 | -10.59 % |
22 Iun. 2020 | 1.7 | -0.34 | -16.67 % |
19 Iun. 2020 | 2.04 | +0.04 | 2 % |
18 Iun. 2020 | 2 | +0.29 | 16.96 % |
17 Iun. 2020 | 1.71 | +0.07 | 4.27 % |
16 Iun. 2020 | 1.64 | -0.03 | -1.8 % |
15 Iun. 2020 | 1.67 | 0 | 0 % |
12 Iun. 2020 | 1.67 | -0.09 | -5.11 % |
11 Iun. 2020 | 1.76 | -0.10 | -5.38 % |
10 Iun. 2020 | 1.86 | -0.12 | -6.06 % |
9 Iun. 2020 | 1.98 | -0.05 | -2.46 % |
5 Iun. 2020 | 2.03 | -0.05 | -2.4 % |
4 Iun. 2020 | 2.08 | -0.01 | -0.48 % |
3 Iun. 2020 | 2.09 | +0.01 | 0.48 % |
2 Iun. 2020 | 2.08 | -0.11 | -5.02 % |
29 Mai 2020 | 2.19 | -0.09 | -3.95 % |
28 Mai 2020 | 2.28 | -0.06 | -2.56 % |
27 Mai 2020 | 2.34 | -0.01 | -0.43 % |
26 Mai 2020 | 2.35 | -0.02 | -0.84 % |
25 Mai 2020 | 2.37 | +0.31 | 15.05 % |
22 Mai 2020 | 2.06 | +0.13 | 6.74 % |
21 Mai 2020 | 1.93 | +0.01 | 0.52 % |
20 Mai 2020 | 1.92 | 0 | 0 % |
19 Mai 2020 | 1.92 | +0.01 | 0.52 % |
18 Mai 2020 | 1.91 | +0.02 | 1.06 % |
15 Mai 2020 | 1.89 | -0.11 | -5.5 % |
14 Mai 2020 | 2 | -0.09 | -4.31 % |
13 Mai 2020 | 2.09 | -0.04 | -1.88 % |
12 Mai 2020 | 2.13 | -0.02 | -0.93 % |
11 Mai 2020 | 2.15 | -0.03 | -1.38 % |
8 Mai 2020 | 2.18 | +0.01 | 0.46 % |
7 Mai 2020 | 2.17 | -0.11 | -4.82 % |
6 Mai 2020 | 2.28 | -0.09 | -3.8 % |
5 Mai 2020 | 2.37 | -0.07 | -2.87 % |
4 Mai 2020 | 2.44 | -0.03 | -1.21 % |
30 Apr. 2020 | 2.47 | -0.04 | -1.59 % |
29 Apr. 2020 | 2.51 | -0.03 | -1.18 % |
28 Apr. 2020 | 2.54 | -0.02 | -0.78 % |
27 Apr. 2020 | 2.56 | +0.03 | 1.19 % |
24 Apr. 2020 | 2.53 | +0.87 | 52.41 % |
23 Apr. 2020 | 1.66 | -0.09 | -5.14 % |
22 Apr. 2020 | 1.75 | -0.51 | -22.57 % |
21 Apr. 2020 | 2.26 | -0.20 | -8.13 % |
16 Apr. 2020 | 2.46 | -0.04 | -1.6 % |
15 Apr. 2020 | 2.5 | 0 | 0 % |
14 Apr. 2020 | 2.5 | +0.01 | 0.4 % |
13 Apr. 2020 | 2.49 | -0.02 | -0.8 % |
10 Apr. 2020 | 2.51 | -0.01 | -0.4 % |
9 Apr. 2020 | 2.52 | -0.02 | -0.79 % |
8 Apr. 2020 | 2.54 | +0.04 | 1.6 % |
7 Apr. 2020 | 2.5 | -0.04 | -1.57 % |
6 Apr. 2020 | 2.54 | +0.01 | 0.4 % |
3 Apr. 2020 | 2.53 | 0 | 0 % |
2 Apr. 2020 | 2.53 | +0.01 | 0.4 % |
1 Apr. 2020 | 2.52 | +0.03 | 1.2 % |
31 Mart. 2020 | 2.49 | +0.01 | 0.4 % |
30 Mart. 2020 | 2.48 | -0.08 | -3.13 % |
27 Mart. 2020 | 2.56 | +0.02 | 0.79 % |
26 Mart. 2020 | 2.54 | +0.04 | 1.6 % |
25 Mart. 2020 | 2.5 | +0.09 | 3.73 % |
24 Mart. 2020 | 2.41 | +0.66 | 37.71 % |
23 Mart. 2020 | 1.75 | -0.37 | -17.45 % |
20 Mart. 2020 | 2.12 | -0.34 | -13.82 % |
19 Mart. 2020 | 2.46 | -0.08 | -3.15 % |
18 Mart. 2020 | 2.54 | -0.05 | -1.93 % |
17 Mart. 2020 | 2.59 | +0.04 | 1.57 % |
16 Mart. 2020 | 2.55 | -0.05 | -1.92 % |
13 Mart. 2020 | 2.6 | +0.19 | 7.88 % |
12 Mart. 2020 | 2.41 | +0.02 | 0.84 % |
11 Mart. 2020 | 2.39 | +0.04 | 1.7 % |
10 Mart. 2020 | 2.35 | -0.14 | -5.62 % |
9 Mart. 2020 | 2.49 | +0.18 | 7.79 % |
6 Mart. 2020 | 2.31 | +0.02 | 0.87 % |
5 Mart. 2020 | 2.29 | -0.07 | -2.97 % |
4 Mart. 2020 | 2.36 | -0.06 | -2.48 % |
3 Mart. 2020 | 2.42 | -0.08 | -3.2 % |
2 Mart. 2020 | 2.5 | +0.01 | 0.4 % |
28 Feb. 2020 | 2.49 | +0.07 | 2.89 % |
27 Feb. 2020 | 2.42 | -0.06 | -2.42 % |
26 Feb. 2020 | 2.48 | -0.05 | -1.98 % |
25 Feb. 2020 | 2.53 | +0.02 | 0.8 % |
24 Feb. 2020 | 2.51 | +0.68 | 37.16 % |
21 Feb. 2020 | 1.83 | +0.11 | 6.4 % |
20 Feb. 2020 | 1.72 | -0.14 | -7.53 % |
19 Feb. 2020 | 1.86 | -0.13 | -6.53 % |
18 Feb. 2020 | 1.99 | -0.48 | -19.43 % |
17 Feb. 2020 | 2.47 | -0.02 | -0.8 % |
14 Feb. 2020 | 2.49 | -0.10 | -3.86 % |
13 Feb. 2020 | 2.59 | -0.02 | -0.77 % |
12 Feb. 2020 | 2.61 | -0.03 | -1.14 % |
11 Feb. 2020 | 2.64 | -0.05 | -1.86 % |
10 Feb. 2020 | 2.69 | -0.07 | -2.54 % |
7 Feb. 2020 | 2.76 | +0.10 | 3.76 % |
6 Feb. 2020 | 2.66 | -0.01 | -0.37 % |
5 Feb. 2020 | 2.67 | +0.09 | 3.49 % |
4 Feb. 2020 | 2.58 | +0.02 | 0.78 % |
3 Feb. 2020 | 2.56 | -0.04 | -1.54 % |
31 Ian. 2020 | 2.6 | +0.02 | 0.78 % |
30 Ian. 2020 | 2.58 | -0.06 | -2.27 % |
29 Ian. 2020 | 2.64 | -0.16 | -5.71 % |
28 Ian. 2020 | 2.8 | 0 | 0 % |
27 Ian. 2020 | 2.8 | +0.42 | 17.65 % |
23 Ian. 2020 | 2.38 | +0.20 | 9.17 % |
22 Ian. 2020 | 2.18 | +0.08 | 3.81 % |
21 Ian. 2020 | 2.1 | -0.35 | -14.29 % |
20 Ian. 2020 | 2.45 | +0.84 | 52.17 % |
17 Ian. 2020 | 1.61 | -0.23 | -12.5 % |
16 Ian. 2020 | 1.84 | -0.42 | -18.58 % |
15 Ian. 2020 | 2.26 | -0.22 | -8.87 % |
14 Ian. 2020 | 2.48 | -0.03 | -1.2 % |
13 Ian. 2020 | 2.51 |