{"id":58463,"date":"2025-12-05T16:44:09","date_gmt":"2025-12-05T16:44:09","guid":{"rendered":"https:\/\/www.europesays.com\/ro\/58463\/"},"modified":"2025-12-05T16:44:09","modified_gmt":"2025-12-05T16:44:09","slug":"statul-se-imprumuta-din-nou-de-la-populatie-ce-dobanzi-ofera-la-ultima-editie-fidelis-din-2025","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ro\/58463\/","title":{"rendered":"Statul se \u00eemprumut\u0103 din nou de la popula\u021bie: Ce dob\u00e2nzi ofer\u0103 la ultima edi\u021bie FIDELIS din 2025"},"content":{"rendered":"<p>Ministerul Finan\u021belor d\u0103 startul subscrierilor \u00een ultima edi\u021bie a Programului de titluri de stat FIDELIS din acest an, \u00eencep\u00e2nd de ast\u0103zi, 5 decembrie \u0219i p\u00e2n\u0103 vineri, 12 decembrie 2025.<\/p>\n<p>\t\t\t<img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/www.europesays.com\/ro\/wp-content\/uploads\/2025\/12\/1764953049_553_index.jpeg\" alt=\"Colaj foto care \u00eendeamn\u0103 la investi\u021bii \u00een titlurile de stat Fidelis\" width=\"1400\" height=\"750\" loading=\"eager\" class=\"svelte-h45upf\"\/><\/p>\n<p>Ministerul Finan\u021belor lanseaz\u0103 ultima edi\u021bie FIDELIS din 2025. Foto arhiv\u0103<\/p>\n<p><a href=\"https:\/\/adevarul.ro\/economie\/statul-se-imprumuta-din-nou-de-la-populatie-cu-2476545.html\" target=\"_blank\" rel=\"nofollow noopener\">Persoanele fizice rezidente \u0219i nerezidente<\/a>, cu v\u00e2rsta de peste 18 ani, pot alege dintre urm\u0103toarele emisiuni, \u00een func\u021bie de moneda \u0219i maturitatea dorit\u0103:<\/p>\n<p>Titluri de stat \u00een LEI:<\/p>\n<ul>\n<li>7,55% \u2013 tran\u0219a special\u0103 dedicat\u0103 donatorilor de s\u00e2nge, cu scaden\u021b\u0103 la 2 ani;<\/li>\n<\/ul>\n<ul>\n<li>7,50% \u2013 scaden\u021ba la 6 ani;<\/li>\n<\/ul>\n<ul>\n<li>7,10% \u2013 scaden\u021ba la 4 ani;<\/li>\n<\/ul>\n<ul>\n<li>6,55% \u2013 scaden\u021ba la 2 ani.<\/li>\n<\/ul>\n<p>Titluri de stat \u00een EURO:<\/p>\n<ul>\n<li>6,20% \u2013 scaden\u021ba la 10 ani;<\/li>\n<\/ul>\n<ul>\n<li>4,75% \u2013 scaden\u021ba la 5 ani;<\/li>\n<\/ul>\n<ul>\n<li>3,75% \u2013 scaden\u021ba la 3 ani.<\/li>\n<\/ul>\n<p>\t\t\tBeneficiile speciale pentru donatorii de s\u00e2nge continu\u0103<\/p>\n<p>Ministerul Finan\u021belor continu\u0103 s\u0103 recompenseze solidaritatea social prin tran\u0219a dedicat\u0103 donatorilor de s\u00e2nge \u0219i ofer\u0103 cea mai mare dob\u00e2nd\u0103 din aceast\u0103 edi\u021bie: 7,55%.<\/p>\n<p>Cei care fac dovada don\u0103rii de s\u00e2nge \u00eencep\u00e2nd cu data de 1 iulie 2025 beneficiaz\u0103 de condi\u021bii preferen\u021biale:<\/p>\n<ul>\n<li>Dob\u00e2nd\u0103 maxim\u0103: 7,55% pe an.<\/li>\n<\/ul>\n<ul>\n<li>Accesibilitate crescut\u0103: Pragul minim de subscriere este redus de 10 ori, de la 5.000 de lei la doar 500 de lei.<\/li>\n<\/ul>\n<ul>\n<li>Plafon generos: Se pot investi p\u00e2n\u0103 la 100.000 lei \u00een aceast\u0103 tran\u0219\u0103.<\/li>\n<\/ul>\n<p>\t\t\tCum se realizeaz\u0103 subscrierea<\/p>\n<p>Procesul este simplu \u0219i accesibil. Subscrierea se poate face prin intermediul re\u021belei b\u0103ncilor partenere: BT Capital Partners &amp; Banca Transilvania, Banca Comercial\u0103 Rom\u00e2n\u0103, B.R.D. \u2013 Groupe Soci\u00e9t\u00e9 G\u00e9n\u00e9rale, UniCredit Bank \u0219i TradeVille (partener Libra Bank).<\/p>\n<p>Praguri minime de subscriere:<\/p>\n<ul>\n<li>5.000 lei pentru emisiunile standard \u00een lei;<\/li>\n<\/ul>\n<ul>\n<li>500 lei pentru emisiunea dedicat\u0103 donatorilor;<\/li>\n<\/ul>\n<ul>\n<li>1.000 euro pentru emisiunile \u00een euro.<\/li>\n<\/ul>\n<p>Informa\u021bii privind termenii \u0219i condi\u021biile financiare aferente emisiunii \u00een cadrul Programului FIDELIS pot fi consultate la sec\u021biunea Datorie Public\u0103 \u0219i pe paginile institu\u021biilor partenere www.btcapitalpartners.ro; www.bcr.ro; www.brd.ro; www.unicredit.ro ; www.tradeville.ro;www.bvb.ro &#8211; Programul FIDELIS).<\/p>\n<p>\t\t\tAvantajele investi\u021biei \u00een Programul FIDELIS<\/p>\n<p>\u00cen procesul de subscriere a titlurilor de stat FIDELIS nu se percep comisioane de c\u0103tre b\u0103ncile intermediare, iar veniturile ob\u021binute, at\u00e2t din dob\u00e2nzi, c\u00e2t \u0219i din c\u00e2\u0219tigurile de capital sunt neimpozabile.<\/p>\n<p> De\u021bin\u0103torii de titluri de stat FIDELIS lansate \u00een cadrul emisiunilor anterioare ajunse la scaden\u021b\u0103 <a href=\"https:\/\/adevarul.ro\/economie\/finantele-au-imprumutat-22-miliarde-de-lei-de-la-2480638.html\" target=\"_blank\" rel=\"nofollow noopener\">pot reinvesti disponibilit\u0103\u021bile neridicate<\/a> la scaden\u021b\u0103, prin subscrierea \u00een cadrul acestei noi emisiuni.<\/p>\n<p>\t\t\tRom\u00e2nii, \u00eengrijora\u021bi dup\u0103 preschimbarea titlurilor Tezaur 2026<\/p>\n<p>Ministerul Finan\u021belor a anun\u021bat recent o opera\u021biune de preschimbare a titlurilor de stat care ajung la scaden\u021b\u0103 \u00een 2026, oferind investitorilor posibilitatea de a le transforma \u00een obliga\u021biuni cu maturitate extins\u0103 p\u00e2n\u0103 \u00een 2035. Decizia a st\u00e2rnit nelini\u0219te \u00een r\u00e2ndul celor care au \u00eemprumutat statul prin programul Tezaur, unii \u00eentreb\u00e2ndu-se dac\u0103 \u00ee\u0219i vor mai primi banii la termenul ini\u021bial.<\/p>\n<p>\u201eDac\u0103 statul e obligat s\u0103 le dea at\u00e2t no\u021bionalul, principalul acelui bond, c\u00e2t \u0219i dob\u00e2nda final\u0103, deci, da, vor primi dob\u00e2nda \u0219i principalul la scaden\u021b\u0103, dac\u0103 le \u021bin. Dac\u0103 le v\u00e2nd guvernului \u0219i le schimb\u0103 cu alt\u0103 obliga\u021bie, scaden\u021ba de 10 ani, r\u0103m\u00e2n cu noile obliga\u021biuni\u201d,\u00a0<a href=\"https:\/\/adevarul.ro\/economie\/statul-continua-sa-imprumute-bani-de-la-romani-2477061.html\" rel=\"nofollow noopener\" target=\"_blank\">explic\u0103\u00a0economistul Adrian Cod\u00eerla\u0219u<\/a>\u00a0pentru \u201eAdev\u0103rul\u201d.<\/p>\n<p>A\u0219adar, investitorii care aleg s\u0103 p\u0103streze titlurile de stat p\u00e2n\u0103 la scaden\u021ba din 2026 \u00ee\u0219i vor primi integral banii \u0219i dob\u00e2nda promis\u0103, \u00een baza obliga\u021biilor contractuale asumate de stat.<\/p>\n<p>\u00centrebat dac\u0103 cei care nu vor s\u0103 preschimbe titlurile pentru 2035 mai au garan\u021bii ferme, Cod\u00eerla\u0219u precizeaz\u0103:\u00a0\u201eAu acela\u0219i grad de protec\u021bie, pentru c\u0103 obliga\u021biunea are un prospect. Dac\u0103 statul nu respect\u0103 acel prospect, se nume\u0219te default. Deci, e obligat s\u0103 respecte prospectul odat\u0103 ce au emis obliga\u021biune \u00een baza lui. Deci, nu se \u00eent\u00e2mpl\u0103 absolut nimic pentru cei care nu vor s\u0103 prelungeasc\u0103 cu \u00eenc\u0103 10 ani maturitatea.\u201d<\/p>\n<p>\u00cen privin\u021ba sensului economic al opera\u021biunii, economistul spune c\u0103:\u00a0\u201eStatul, da, are o problem\u0103 cu lichiditatea \u0219i orice majorare a scaden\u021bei \u00eel avantajeaz\u0103 mai ales c\u0103 au sc\u0103zut pu\u021bin dob\u00e2nzile sub 7 \u0219i vrea s\u0103 prelungeasc\u0103 scaden\u021ba acelor obliga\u021biuni \u0219i la o rat\u0103 pu\u021bin mai mic\u0103 dec\u00e2t \u00een trecut.\u201d<\/p>\n<p>El explic\u0103 faptul c\u0103 m\u0103sura are ca efect\u00a0\u201eblocarea acelor bani pe \u00eenc\u0103 10 ani\u201d,\u00a0o decizie care ajut\u0103 la gestionarea presiunilor bugetare, dar care merit\u0103 evaluat\u0103 atent de investitori.\u00a0\u201eLa investi\u021biile \u00een obliga\u021biuni, \u00eentotdeauna s\u0103 avem \u00een vedere ce dob\u00e2nd\u0103 primim pe perioada de de\u021binere \u0219i care e infla\u021bia pe perioada de de\u021binere. Iar c\u00e2nd sc\u0103dem dob\u00e2nda minus infla\u021bie, s\u0103 ias\u0103 plus. Altfel, \u00een termen real, pierdem. Adic\u0103 <a href=\"https:\/\/adevarul.ro\/economie\/romanii-care-au-imprumutat-statul-ingrijorati-2483751.html\" target=\"_blank\" rel=\"nofollow noopener\">primim mai pu\u021bin\u0103 putere de cump\u0103rare<\/a> dec\u00e2t am dat. Deci aici, asta e esen\u021bial \u00een decizia de a de\u021bine ni\u0219te obliga\u021biuni.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"Ministerul Finan\u021belor d\u0103 startul subscrierilor \u00een ultima edi\u021bie a Programului de titluri de stat FIDELIS din acest an,&hellip;\n","protected":false},"author":2,"featured_media":58464,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[32,33,31,10902,36,37,22368,27,34,35,4558,25,41,40,38,39,26,28,29,30],"class_list":{"0":"post-58463","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-titluri","8":"tag-breaking-news","9":"tag-breakingnews","10":"tag-cele-mai-populare-subiecte","11":"tag-dobanzi","12":"tag-featured-news","13":"tag-featurednews","14":"tag-fidelis","15":"tag-headlines","16":"tag-latest-news","17":"tag-latestnews","18":"tag-ministerul-finantelor","19":"tag-news","20":"tag-ro","21":"tag-romana","22":"tag-romania","23":"tag-romanian","24":"tag-stiri","25":"tag-titluri","26":"tag-top-stories","27":"tag-topstories"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ro\/115667970568361164","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts\/58463","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/comments?post=58463"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts\/58463\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/media\/58464"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/media?parent=58463"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/categories?post=58463"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/tags?post=58463"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}