Citatul zilei
“Succesul înseamnă să ai curajul, determinarea şi voinţa de a deveni persoana care trebuie să fii.”
George Sheehan
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 |
|---|---|
| 2020T4 | 1,67 |
| 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 7 aprilie 2020 - 14 aprilie 2021:
Valoare maxima: 2.56 % (27 aprilie 2020)
Valoare minima: 0.78 % (22 ianuarie 2021)
Valoare medie pentru perioada selectată este 1.71 %
| Data | IRCC zilnic | Variație | |
|---|---|---|---|
| 13 Apr. 2021 | 0.88 | 0 | 0 % |
| 12 Apr. 2021 | 0.88 | -0.07 | -7.37 % |
| 9 Apr. 2021 | 0.95 | -0.06 | -5.94 % |
| 8 Apr. 2021 | 1.01 | -0.18 | -15.13 % |
| 7 Apr. 2021 | 1.19 | -0.20 | -14.39 % |
| 6 Apr. 2021 | 1.39 | -0.11 | -7.33 % |
| 5 Apr. 2021 | 1.5 | -0.03 | -1.96 % |
| 2 Apr. 2021 | 1.53 | +0.01 | 0.66 % |
| 1 Apr. 2021 | 1.52 | -0.08 | -5 % |
| 31 Mart. 2021 | 1.6 | +0.01 | 0.63 % |
| 30 Mart. 2021 | 1.59 | +0.12 | 8.16 % |
| 29 Mart. 2021 | 1.47 | -0.01 | -0.68 % |
| 26 Mart. 2021 | 1.48 | +0.04 | 2.78 % |
| 25 Mart. 2021 | 1.44 | -0.01 | -0.69 % |
| 24 Mart. 2021 | 1.45 | +0.61 | 72.62 % |
| 23 Mart. 2021 | 0.84 | -0.12 | -12.5 % |
| 22 Mart. 2021 | 0.96 | -0.44 | -31.43 % |
| 19 Mart. 2021 | 1.4 | -0.24 | -14.63 % |
| 18 Mart. 2021 | 1.64 | -0.01 | -0.61 % |
| 17 Mart. 2021 | 1.65 | +0.05 | 3.12 % |
| 16 Mart. 2021 | 1.6 | +0.02 | 1.27 % |
| 15 Mart. 2021 | 1.58 | +0.01 | 0.64 % |
| 12 Mart. 2021 | 1.57 | -0.07 | -4.27 % |
| 11 Mart. 2021 | 1.64 | -0.01 | -0.61 % |
| 10 Mart. 2021 | 1.65 | -0.02 | -1.2 % |
| 9 Mart. 2021 | 1.67 | -0.02 | -1.18 % |
| 8 Mart. 2021 | 1.69 | +0.01 | 0.6 % |
| 5 Mart. 2021 | 1.68 | +0.02 | 1.2 % |
| 4 Mart. 2021 | 1.66 | +0.03 | 1.84 % |
| 3 Mart. 2021 | 1.63 | -0.01 | -0.61 % |
| 2 Mart. 2021 | 1.64 | -0.01 | -0.61 % |
| 1 Mart. 2021 | 1.65 | +0.03 | 1.85 % |
| 26 Feb. 2021 | 1.62 | +0.07 | 4.52 % |
| 25 Feb. 2021 | 1.55 | +0.16 | 11.51 % |
| 24 Feb. 2021 | 1.39 | +0.55 | 65.48 % |
| 23 Feb. 2021 | 0.84 | -0.20 | -19.23 % |
| 22 Feb. 2021 | 1.04 | -0.22 | -17.46 % |
| 19 Feb. 2021 | 1.26 | +0.04 | 3.28 % |
| 18 Feb. 2021 | 1.22 | -0.01 | -0.81 % |
| 17 Feb. 2021 | 1.23 | +0.23 | 23 % |
| 16 Feb. 2021 | 1 | -0.01 | -0.99 % |
| 15 Feb. 2021 | 1.01 | -0.10 | -9.01 % |
| 12 Feb. 2021 | 1.11 | +0.03 | 2.78 % |
| 11 Feb. 2021 | 1.08 | 0 | 0 % |
| 10 Feb. 2021 | 1.08 | +0.08 | 8 % |
| 9 Feb. 2021 | 1 | -0.02 | -1.96 % |
| 8 Feb. 2021 | 1.02 | +0.05 | 5.15 % |
| 5 Feb. 2021 | 0.97 | -0.04 | -3.96 % |
| 4 Feb. 2021 | 1.01 | -0.04 | -3.81 % |
| 3 Feb. 2021 | 1.05 | +0.04 | 3.96 % |
| 2 Feb. 2021 | 1.01 | 0 | 0 % |
| 1 Feb. 2021 | 1.01 | -0.04 | -3.81 % |
| 29 Ian. 2021 | 1.05 | +0.03 | 2.94 % |
| 28 Ian. 2021 | 1.02 | +0.02 | 2 % |
| 27 Ian. 2021 | 1 | -0.05 | -4.76 % |
| 26 Ian. 2021 | 1.05 | +0.02 | 1.94 % |
| 25 Ian. 2021 | 1.03 | +0.25 | 32.05 % |
| 22 Ian. 2021 | 0.78 | -0.03 | -3.7 % |
| 21 Ian. 2021 | 0.81 | -0.05 | -5.81 % |
| 20 Ian. 2021 | 0.86 | -0.06 | -6.52 % |
| 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 | ||
