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IRCC VS ROBOR – Merită să refinanțez cu un împrumut în IRCC?

11 Sep, 2023
Educație Financiară 0 Comments Razvan

Ce este ROBOR-ul?

ROBOR (Romanian Interbank Offer Rate) reflecta nivelul de lichiditate in piata in timp real. Este calculat ca fiind rata medie a dobanzilor cotate in tranzactiile interbancare a principalelor 10 banci din Romania. Valoarea acestui indicator se gaseste zilnic pe site-ul BNR-ului: https://www.bnr.ro/ROBID-ROBOR-5672-Mobile.aspx. insa valoarea de referinta pentru creditele ipotecare este cea calculata la nivel de trimestru, adica ROBOR 3M.

Ce este IRCC-ul?

IRCC (indicele de referinta pentru creditele consumatorilor) reprezintă media ponderată (cu volumele tranzacțiilor) a ratelor de dobândă ale tranzacțiilor de pe piața monetară interbancară. Se calculeaza si se publica de asemenea zilnic pe site-ul BNR-ului: https://www.bnr.ro/Indicele-de-referin%c8%9ba-pentru-creditele-consumatorilor–19492-Mobile.aspx ,insa nivelul de referinta pentru creditele ipotecare este media aritmetica a tuturor acestor valori la nivel de trimestru. Cum pentru a se cunoaste valoarea ultimei valori a trimestrului anterior este nevoie de publicarea datelor zilnice care au un decalaj, valoarea de referinta a indicelui IRCC este cea calculata cu 2 trimestre in urma. Asadar IRCC are un decalaj de 60 de zile, astfel valoarea IRCC luata in calcul pentru creditele ipotecare incepand cu trimestrul 3 2023 (iulie-septembrie 2023) este media aritmetica a valorilor IRCC din trimestrul 1 2023 (ianuarie-martie 2023), adica 5.94%. Este astfel usor de determinat care va fi valoarea IRCC pentru urmatorul trimestru, intrucat seria de date publicate pe site-ul BNR-ului ne permite sa facem acest lucru, astfel pentru trimestrul 4 (octombrie-decembrie 2023, IRCC va avea valoarea de 5.96%)

Descarca de aici metoda de calcul a indicelui IRCC

Ce sa aleg, ROBOR sau IRCC?

Intrucat IRCC intra in componenta calculelor creditelor ipotecare incepand cu anul 2019, este imposibil sa mai contractati un credit cu ROBOR. Totusi, creditele vechi vor ramane cu ROBOR, insa se poate face trecerea oricand, printr-o adresa catre institutia financiara unde aveti deja creditul contractat. Acestia sunt obligati sa va permita migrarea la noul indicator, insa trecerea pe IRCC este ireversibila.

Meita sa refinantez creditul in ROBOR cu un credit ipotecar in IRCC?

Pentru a răspunde la această întrebare, este esențial să înțelegem diferențele dintre cele două indici. Asa cum spuneam, ROBOR este calculat în baza tranzacțiilor interbancare, este volatil și poate fi influențat de o serie de factori macroeconomici, inclusiv rata inflației și politica monetară a Băncii Naționale a României. Pe de altă parte, IRCC se bazează pe rata dobânzii medii la depozitele populației și este considerat mai stabil și mai predictibil decât ROBOR.

Beneficiul evident al trecerii la IRCC este stabilitatea. Dacă dobânda de referință fluctuează mai puțin, rata de împrumut va fi mai predictibilă, ceea ce îți poate oferi o mai bună planificare financiară pe termen lung. În plus, dacă IRCC este mai mic decât ROBOR la momentul trecerii, vei avea rate mai mici, cel puțin pe termen scurt.

Cu toate acestea, există și dezavantaje. Trecerea la IRCC ar putea presupune costuri administrative și, posibil, comisioane de conversie. În plus, deși IRCC este în general mai stabil decât ROBOR, nu există nicio garanție că va rămâne întotdeauna mai mic. Dacă IRCC crește în viitor, ratele tale ar putea crește și ele.

Decizia de a trece de la ROBOR la IRCC depinde în mare măsură de circumstanțele tale individuale. Dacă prețuiești stabilitatea și prevezi că IRCC va rămâne scăzut, trecerea ar putea avea sens. Cu toate acestea, dacă ești confortabil cu volatilitatea ROBOR și ești dispus să accepți riscul unei creșteri potențiale a ratelor, poate că nu ar trebui să faci trecerea.

În concluzie, înainte de a lua o decizie, este important să discuți cu un consilier financiar sau cu un broker de credite pentru a înțelege pe deplin implicațiile unei astfel de schimbări. Fiecare situație financiară este unică, iar alegerea dintre ROBOR și IRCC ar trebui să fie bazată pe o analiză atentă a nevoilor și obiectivelor tale financiare. Suntem aici daca ai nevoie de noi pentru a lua o decizie.

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01.04-30.0601.01-30.0301.10-31.1201.07-30.0901.04-30.0601.01-30.0301.10-31.1201.07-30.0901.04-30.0601.01-30.0301.10-31.1201.07-30.0901.04-30.0601.01-30.0301.10-31.1201.07-30.0901.04-30.0601.01-30.0301.10-31.12
30.09.20211,6530/9/20202,02
30.09.20226,429.09.20211,6529/9/20202,0130/9/20192,52
29.09.20226,6131.12.20212,0428.09.20211,5928/9/20201,9931/12/20192,3127/9/20192,58
31.03.20236,1928.09.20226,6331.03.20223,5730.12.20212,0527.09.20211,4431/3/20211,631/12/20201,5125/9/20201,9930/12/20192,5226/9/20192,68
30.03.20236,0930.12.20225,7327.09.20226,4830.03.20223,829.12.20212,0824.09.20211,4130/3/20211,5930/12/20201,5824/9/20201,9531.03.20202,4927/12/20192,5825/9/20192,8231/12/20182,54
29.03.2023629.12.20225,6326.09.20226,4430.06.20224,8729.03.20223,7928.12.20212,3123.09.20210,8630.06.20211,129/3/20211,4729/12/20201,6723/9/20201,3930.03.20202,4824/12/20192,924/9/20192,7328/6/20192,4929/3/20193,2928/12/20182,54
30.06.20236,0628.03.20236,0328.12.20225,7923.09.20226,0429.06.20224,8528.03.20223,6727.12.20212,3222.09.20210,8929.06.20210,9826/3/20211,4828/12/20201,8122/9/20201,2930/6/20202,1927.03.20202,5623/12/20193,2123/9/20192,4427/6/20192,4328/3/20193,2727/12/20182,5
29.06.20236,127.03.20236,0227.12.20225,8722.09.20224,7628.06.20224,8425.03.20223,7424.12.20212,3521.09.20210,8628.06.20210,9725/3/20211,4424/12/20201,8521/9/20201,3829/6/20202,1126.03.20202,5420/12/20193,120/9/20191,6126/6/20192,4127/3/20193,2324/12/20182,74
28.06.20236,1424.03.20236,0423.12.20225,8521.09.20224,8227.06.20224,9324.03.20223,6323.12.20211,6920.09.20211,2025.06.20211,0124/3/20211,4523/12/20201,3418/9/20201,4926/6/20202,1325.03.20202,519/12/20192,2819/9/20191,6325/6/20192,4526/3/20193,3421/12/20182,5
27.06.20236,0523.03.20236,0322.12.2022620.09.20225,1824.06.20224,9723.03.20223,4322.12.20212,1617.09.20210,9324.06.20211,0423/3/20210,8422/12/20201,2217/9/20201,5425/6/20202,1324.03.20202,4118/12/20192,3118/9/20191,7124/6/20192,525/3/20193,2820/12/20181,69
26.06.20236,1522.03.20235,9421.12.20225,9319.09.20225,623.06.20222,9822.03.20223,4821.12.20212,5116.09.20210,9723.06.20210,8122/3/20210,9621/12/20201,1516/9/20201,6424/6/20202,1323.03.20201,7517/12/20192,5417/9/20191,8421/6/20191,6222/3/20191,7719/12/20181,54
23.06.20236,0421.03.20235,9820.12.20225,6916.09.20225,8922.06.20222,9621.03.20223,4820.12.20212,4115.09.20211,0122.06.20210,9119/3/20211,418/12/20201,1315/9/20201,6623/6/20201,5220.03.20202,1216/12/20192,5916/9/20192,4520/6/20191,6721/3/20191,7218/12/20181,59
22.06.20236,0420.03.20236,2619.12.20225,7715.09.20226,0521.06.20223,318.03.20223,617.12.20212,1914.09.20211,0818.06.20210,8918/3/20211,6417/12/20201,1814/9/20201,7322/6/20201,719.03.20202,4613/12/20192,6713/9/20191,919/6/20192,120/3/20191,6217/12/20181,65
21.06.20235,9717.03.20236,0216.12.20225,8814.09.20226,1720.06.20223,5717.03.20223,6216.12.20211,9313.09.20211,2217.06.20210,917/3/20211,6516/12/20201,1711/9/20201,8519/6/20202,0418.03.20202,5412/12/20192,6312/9/20192,1118/6/20192,4719/3/20191,6514/12/20181,55
20.06.20235,9316.03.20235,8815.12.20225,7613.09.20226,1617.06.20223,7616.03.20223,615.12.20211,9510.09.20211,1716.06.20210,9716/3/20211,615/12/20201,1910/9/20201,8918/6/2020217.03.20202,5911/12/20192,6111/9/20192,2614/6/20192,4818/3/20192,4113/12/20181,57
19.06.20235,9515.03.20235,914.12.20225,8812.09.20226,1716.06.20224,0115.03.20223,5414.12.20211,8909.09.20211,1915.06.20211,215/3/20211,5814/12/20201,349/9/20201,8417/6/20201,7116.03.20202,5510/12/20192,610/9/20192,3113/6/20192,6215/3/20191,6412/12/20181,57
16.06.20235,9814.03.20236,1113.12.20225,7909.09.20226,1815.06.20224,6214.03.20223,5413.12.20212,0108.09.20211,2414.06.20210,912/3/20211,5711/12/20201,478/9/20201,7616/6/20201,6413.03.20202,69/12/20192,669/9/20192,4912/6/20192,6514/3/20191,6111/12/20181,67
15.06.20236,0413.03.20235,9212.12.20225,8308.09.20226,1514.06.20225,1611.03.20223,5710.12.20212,0507.09.20211,2411/06/211,0311/3/20211,6410/12/20201,597/9/20201,7115/6/20201,6712.03.20202,416/12/20192,726/9/20192,3211/6/20192,513/3/20191,5410/12/20181,72
14.06.20236,0910.03.20235,9109.12.20225,7707.09.20226,1810.06.20224,810.03.20223,5909.12.20212,1406.09.20211,2510/06/211,1210/3/20211,659/12/20201,644/9/20201,7512/6/20201,6711.03.20202,395/12/20192,845/9/20192,410/6/20192,5412/3/20191,587/12/20181,88
13.06.20236,0509.03.20235,8508.12.20225,7106.09.20226,2209.06.20224,7709.03.20223,6308.12.20212,0944264,001,2509/06/211,069/3/20211,678/12/20201,693/9/20201,8511/6/20201,7610.03.20202,354/12/201934/9/20192,57/6/20192,4211/3/20191,736/12/20182,06
12.06.20236,0208.03.20235,9107.12.20225,7205.09.20226,2408.06.20224,7508.03.20223,6207.12.20212,1544236,001,2708/06/211,248/3/20211,697/12/20201,762/9/20201,8710/6/20201,8609.03.20202,493/12/20192,973/9/20192,526/6/20192,438/3/20191,595/12/20182,16
09.06.20236,0607.03.20235,8906.12.20225,7202.09.20226,3607.06.20224,7707.03.20223,6206.12.20212,144205,001,2807/06/210,935/3/20211,684/12/20201,771/9/20201,929/6/20201,9806.03.20202,312/12/20192,822/9/20192,545/6/20192,547/3/20191,884/12/20182,19
08.06.20236,0206.03.20235,8805.12.20225,7601.09.20226,3306.06.20224,7804.03.20223,5603.12.20212,1231.08.20211,3804/06/210,994/3/20211,663/12/20201,7231/8/20201,915/6/20202,0305.03.20202,2929/11/20192,7130/8/20192,564/6/20192,466/3/20192,263/12/20182,31
07.06.20236,0203.03.20235,9102.12.20225,831.08.20226,403.06.20224,8103.03.20223,5602.12.20212,1730.08.20211,3103/06/211,053/3/20211,632/12/20201,7128/8/20201,944/6/20202,0804.03.20202,3628/11/20192,529/8/20192,633/6/20192,475/3/20192,5329/11/20182,17
06.06.20235,8402.03.20235,929.11.20225,930.08.20226,4602.06.20224,8202.03.20223,5329.11.20212,1427.08.20211,4102/06/211,072/3/20211,6427/11/20201,7727/8/20201,953/6/20202,0903.03.20202,4227/11/20192,528/8/20192,6831/5/20192,654/3/20192,9228/11/20182,32
02.06.20236,0501.03.20235,9428.11.20225,8929.08.20226,4831.05.20224,7801.03.20223,5826.11.20212,1826.08.20211,4331.05.20211,161/3/20211,6526/11/20201,7426/8/20201,932/6/20202,0802.03.20202,526/11/20192,5327/8/20192,7430/5/20192,661/3/20193,1327/11/20182,58
31.05.20236,0928.02.20236,1825.11.2022626.08.20226,5530.05.20224,9328.02.20223,6125.11.20211,9625.08.20211,4428.05.20211,1926/2/20211,6225/11/20201,7525/8/20201,9429/5/20202,1928.02.20202,4925/11/20192,5826/8/20192,7529/5/20192,7628/2/20193,1326/11/20182,61
30.05.20236,0327.02.20236,0524.11.20226,0525.08.20226,5827.05.20224,8425.02.20223,3724.11.20211,9224.08.20211,3527.05.20211,2525/2/20211,5524/11/20201,7124/8/20201,9228/5/20202,2827.02.20202,4222/11/20191,6523/8/20193,2628/5/20192,7227/2/20193,2923/11/20182,77
29.05.20236,0224.02.20236,0323.11.20225,7324.08.20226,4726.05.20224,824.02.20223,0323.11.20211,1123.08.20211,1526.05.20211,2124/2/20211,3923/11/20201,2321/8/20201,2727/5/20202,3426.02.20202,4821/11/20191,9622/8/20193,327/5/20192,7326/2/20193,3122/11/20181,85
26.05.20236,0623.02.20236,0522.11.20225,7923.08.2022625.05.20224,8523.02.20221,822.11.20211,4820.08.20210,9225/5/20211,2623/2/20210,8420/11/20201,1620/8/20201,1926/5/20202,3525.02.20202,5320/11/20192,3721/8/20192,5824/5/20192,8125/2/20193,4321/11/20182,54
25.05.20236,122.02.20235,9121.11.20225,7622.08.20226,1524.05.20224,822.02.2022219.11.20211,0819.08.20210,9024/5/20211,222/2/20211,0419/11/20201,2919/8/20201,3725/5/20202,3724/2/20202,5119/11/20192,4220/8/20192,0823/5/20191,6222/2/20193,3220/11/20182,65
24.05.20236,0421.02.20236,0118.11.20225,7519.08.20226,2423.05.20224,0121.02.20222,3518.11.20211,2218.08.20210,8621/5/20210,8819/2/20211,2618/11/20201,3218/8/20201,522/5/20202,0621/2/20201,8318/11/20192,4919/8/20192,4822/5/20191,7121/2/20193,4719/11/20182,55
23.05.20235,8820.02.20235,9917.11.20225,7818.08.20226,3520.05.20223,8618.02.20222,0517.11.20211,2917.08.20210,8820/5/20210,8318/2/20211,2217/11/20201,217/8/20201,6621/5/20201,9320/2/20201,7215/11/20192,4716/8/20192,0821/5/20191,6620/2/20193,4816/11/20182,36
22.05.20235,8717.02.2023616.11.20225,7617.08.20226,3119.05.20223,3517.02.20221,8516.11.20211,4316.08.20211,2219/5/20210,8317/2/20211,2316/11/20201,1914/8/20201,8520/5/20201,9219/2/20201,8614/11/20192,3714/8/20192,320/5/20192,4219/2/20193,4615/11/20182,36
19.05.20235,8516.02.20235,9815.11.20225,7216.08.20226,2618.05.20223,1716.02.20221,9915.11.20211,7113.08.20211,2518/5/20210,8416/2/2021113/11/20201,413/8/20201,919/5/20201,9218/2/20201,9913/11/20192,3813/8/20192,3817/5/20191,6918/2/20193,4414/11/20182,37
18.05.20235,8515.02.20236,0114.11.20225,8212.08.20226,2617.05.20223,3615.02.20222,5312.11.20211,7544538,001,2917/5/20211,1915/2/20211,0112/11/20201,612/8/20201,8918/5/20201,9117/2/20202,4712/11/20192,2812/8/20192,516/5/20191,7615/2/20193,4613/11/20182,44
17.05.20235,8914.02.20236,0411.11.20225,7411.08.20226,2316.05.20224,1114.02.20222,8511.11.20211,8844508,001,3014/5/20210,8612/2/20211,1111/11/20201,5911/8/20201,7915/5/20201,8914/2/20202,4911/11/20192,489/8/20192,5415/5/20191,6614/2/20193,4512/11/20182,48
16.05.20235,9913.02.20236,0110.11.20225,7810.08.20226,2513.05.20224,4111.02.2022310.11.20212,0144477,001,3113/5/20210,8311/2/20211,0810/11/20201,6510/8/20201,8214/5/2020213/2/20202,598/11/20192,288/8/20192,5614/5/20191,9213/2/20193,449/11/20182,49
15.05.2023610.02.20236,0509.11.20225,8209.08.20226,2512.05.20224,7410.02.20223,1609.11.20211,9944447,001,2612/5/20210,8910/2/20211,089/11/20201,77/8/20201,8813/5/20202,0912/2/20202,617/11/20192,277/8/20192,5213/5/20192,4712/2/20193,438/11/20182,46
12.05.20235,909.02.20236,0108.11.20225,7808.08.20226,1111.05.20224,8409.02.20222,9408.11.20211,9744355,001,2311/5/20210,949/2/202116/11/20201,776/8/20201,8612/5/20202,1311/2/20202,646/11/20192,276/8/20192,4910/5/20192,411/2/20193,47/11/20182,48
11.05.20235,9708.02.20236,0307.11.20225,3705.08.20225,8710.05.20224,2808.02.20222,8805.11.20211,9644324,001,2310/5/20210,978/2/20211,025/11/20201,735/8/20202,1211/5/20202,1510/2/20202,695/11/20192,275/8/20192,519/5/20192,378/2/20193,396/11/20182,49
10.05.20235,907.02.20236,0204.11.20225,5404.08.20225,8609.05.20224,1807.02.20222,7404.11.20211,9344294,001,247/5/20211,055/2/20210,974/11/20201,744/8/20202,148/5/20202,187/2/20202,764/11/20192,492/8/20192,558/5/20192,417/2/20193,375/11/20182,5
09.05.20235,906.02.20236,0303.11.20226,0703.08.20225,8506.05.20224,1104.02.20222,4403.11.20211,8844263,001,266/5/20211,134/2/20211,013/11/20201,773/8/20202,177/5/20202,176/2/20202,661/11/20192,381/8/20192,527/5/20192,466/2/20193,352/11/20182,53
08.05.20235,9603.02.20236,0302.11.20226,4202.08.20226,0305.05.20224,103.02.20222,2302.11.20211,8944235,001,275/5/20211,183/2/20211,052/11/20201,8531/7/20202,176/5/20202,285/2/20202,6731/10/20192,4331/7/20192,586/5/20192,515/2/20193,391/11/20182,61
05.05.20235,9102.02.20236,0601.11.20226,5801.08.20225,9904.05.20224,1202.02.20222,1501.11.20211,8730.07.20211,334/5/20211,32/2/20211,0130/10/20201,9330/7/20202,155/5/20202,374/2/20202,5830/10/20192,5330/7/20192,483/5/20192,664/2/20193,3231/10/20182,59
04.05.20235,8101.02.20236,131.10.20226,6629.07.20225,9803.05.20224,2101.02.20222,1429.10.20211,8829.07.20211,2829/4/20211,471/2/20211,0129/10/20201,9529/7/20202,174/5/20202,443/2/20202,5629/10/20192,6429/7/20192,592/5/20192,831/2/20193,2730/10/20182,49
03.05.20235,8531.01.20236,1828.10.20226,9328.07.20226,0602.05.20224,0931.01.20222,1528.10.20211,9828.07.20211,3128/4/20211,4929/1/20211,0528/10/20201,8828/7/20202,1930/4/20202,4731/1/20202,628/10/20192,6626/7/20193,0530/4/20193,131/1/20193,2129/10/20182,79
02.05.20235,8830.01.20236,1127.10.20226,9727.07.20225,9129.04.20224,0528.01.20222,0927.10.20211,9527.07.20211,3127/4/20211,4628/1/20211,0227/10/20201,927/7/20202,1429/4/20202,5130/1/20202,5825/10/20192,9625/7/20193,1825/4/20193,4130/1/20193,1126/10/20183,48
28.04.20236,0227.01.20236,0526.10.20227,0326.07.20225,8928.04.20224,0627.01.20222,0726.10.20211,9926.07.20211,2926/4/20211,4627/1/2021126/10/20201,9524/7/20202,2128/4/20202,5429/1/20202,6424/10/20192,7424/7/20192,5624/4/20193,429/1/20193,1325/10/20183,74
27.04.20235,9326.01.20236,0225.10.20227,0625.07.20225,9727.04.20224,0426.01.20222,0625.10.20211,9123.07.20211,0323/4/20210,9826/1/20211,0523/10/20201,9623/7/20201,7927/4/20202,5628/1/20202,823/10/20191,6223/7/20191,6123/4/20192,328/1/20193,3124/10/20183,36
26.04.20235,8625.01.20236,0724.10.20227,0622.07.20224,2126.04.20223,9925.01.20222,0222.10.20211,2822.07.20210,9422/4/20210,8825/1/20211,0322/10/20201,7422/7/20201,9424/4/20202,5327/1/20202,822/10/20191,822/7/20192,4422/4/20193,0425/1/20193,4123/10/20182,65
25.04.20235,9223.01.20235,7821.10.20225,3321.07.20223,9721.04.20222,5921.01.20221,321.10.20211,121.07.20210,9121/4/20210,9922/1/20210,7821/10/20201,8521/7/20202,0823/4/20201,6623/1/20202,3821/10/20192,3819/7/20191,6219/4/20193,3523/1/20191,9622/10/20182,18
24.04.20235,8220.01.20235,7720.10.20225,4520.07.20223,9420.04.20222,1620.01.20221,3520.10.20211,1720.07.20210,8520/4/20210,8621/1/20210,8120/10/20201,920/7/20202,1222/4/20201,7522/1/20202,1818/10/20191,5818/7/20191,7418/4/20193,3922/1/20191,6319/10/20181,67
21.04.20235,8519.01.20235,6719.10.20225,3919.07.20224,0719.04.20222,319.01.20221,2219.10.20211,2519.07.20211,2019/4/20211,0320/1/20210,8619/10/20201,9317/7/20202,1721/4/20202,2621/1/20202,117/10/20191,6417/7/20191,8917/4/20193,4321/1/20192,3918/10/20181,71
20.04.20235,8818.01.20235,6718.10.20225,3218.07.20224,2418.04.20222,2418.01.20221,3318.10.20211,5316.07.20210,8416/4/20210,9119/1/20210,9216/10/20201,9916/7/20202,116/4/20202,4620/1/20202,4516/10/20192,0316/7/20191,9616/4/20193,4118/1/20191,5817/10/20182,13
19.04.20235,8317.01.20235,9117.10.20225,4615.07.20224,2815.04.20223,0317.01.20221,9215.10.20211,8215.07.20210,8515/4/20211,1618/1/20210,8515/10/20201,9815/7/20202,0315/4/20202,517/1/20201,6115/10/20192,0915/7/20192,4615/4/20193,4217/1/20191,5616/10/20182,46
18.04.20235,8416.01.20235,6614.10.20225,6914.07.20224,3214.04.20223,2214.01.20221,2414.10.20211,8314.07.20210,8714/4/20210,9515/1/20211,0414/10/20201,9914/7/20201,9914/4/20202,516/1/20201,8414/10/20192,4812/7/20191,7712/4/20193,4316/1/20191,6715/10/20182,55
13.04.20235,9613.01.20235,7413.10.20225,8713.07.20224,3113.04.20223,3713.01.20221,2213.10.20211,8413.07.20210,9713/4/20210,8814/1/20211,0913/10/20201,9813/7/20201,9713/4/20202,4915/1/20202,2611/10/20192,3211/7/20191,8711/4/20193,415/1/20191,8412/10/20182,57
12.04.20235,9112.01.20235,8512.10.20226,1612.07.20224,3112.04.20223,6212.01.20221,3312.10.20211,827/12/211,2112/4/20210,8813/1/20211,0912/10/20201,9710/7/20201,9710/4/20202,5114/1/20202,4810/10/20192,3310/7/20192,0510/4/20193,414/1/20192,4411/10/20182,63
11.04.20235,9311.01.20235,7911.10.20226,4311.07.20224,5311.04.20223,8111.01.20221,4711.10.20211,857/9/211,089/4/20210,9512/1/20211,199/10/20201,989/7/202029/4/20202,5213/1/20202,519/10/20192,329/7/20192,049/4/20193,311/1/20191,5810/10/20182,63
10.04.20235,8910.01.20235,5610.10.20226,4908.07.20224,7308.04.20223,9510.01.20221,7208.10.20211,877/8/211,058/4/20211,0111/1/20211,138/10/20201,998/7/20202,018/4/20202,5410/1/20202,448/10/20192,48/7/20192,488/4/20193,2610/1/20191,659/10/20182,61
07.04.20235,9409.01.20235,5207.10.20226,5807.07.20224,9307.04.20223,9807.01.20221,3307.10.20211,867/7/211,077/4/20211,198/1/20211,147/10/20201,987/7/20201,947/4/20202,59/1/20202,427/10/20192,485/7/20191,815/4/20193,369/1/20191,668/10/20182,58
06.04.20236,0106.01.20235,5606.10.20226,7506.07.20224,7306.04.20223,9906.01.20221,5506.10.20211,877/6/211,066/4/20211,397/1/20211,296/10/20201,996/7/20202,136/4/20202,548/1/20202,474/10/20192,244/7/20191,894/4/20193,398/1/20191,875/10/20182,38
05.04.20235,9605.01.20235,6905.10.20226,4105.07.20224,7605.04.20223,6405.01.20221,8105.10.20211,77/5/211,245/4/20211,56/1/20211,275/10/20201,983/7/20202,113/4/20202,537/1/20202,513/10/20192,263/7/20192,033/4/20193,397/1/20192,094/10/20182,37
04.04.20235,9104.01.20235,6604.10.20226,4404.07.20224,9804.04.20223,7104.01.20221,804.10.20211,637/2/210,992/4/20211,535/1/20211,192/10/202022/7/20202,152/4/20202,536/1/20202,512/10/20192,362/7/20192,282/4/20193,364/1/20192,243/10/20182,43
03.04.20235,9203.01.20235,5603.10.20226,4501.07.20224,7901.04.20223,7403.01.20221,9101.10.20211,667/1/211,011/4/20211,524/1/20211,391/10/20201,991/7/20202,161/4/20202,523/1/20202,431/10/20192,441/7/20192,511/4/20193,343/1/20192,442/10/20182,49
5,9625,9375,9825,7064,0612,6471,861,171,0761,2521,6741,8822,1652,4142,4412,3582,6562,6292,356
1/10/202331/12/20231/7/202330/9/20231/4/20231/6/20231/1/202331/3/20231/10/202231/12/20221/7/202230/9/20221/4/202230/6/20221/1/202231/3/20221/10/202131/12/20211/7/202130/9/20211/4/202130/6/20211/1/202131/3/20211/10/202031/12/20201/7/202030/9/20201/4/202030/6/20201/1/202031/3/20201/10/201931/12/20191/7/201930/9/20191/4/201930/6/2019
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