ROBOR crește din nou. Indicele la trei luni a ajuns la 5,85%. Ce se întâmplă cu IRCC și ratele românilor

The three-month ROBOR index has increased to 5.85%, while the six-month and twelve-month indices have also risen slightly. The IRCC for the third quarter of 2026 is set at 5.56%. ROBOR is primarily relevant for older loans, while IRCC applies to loans issued after May 2, 2019. The two indices differ in calculation methods, with IRCC reflecting actual transactions and having a delayed effect on rates. Borrowers should focus on the index specified in their contracts, either ROBOR or IRCC, along with the bank's fixed margin.