{"id":51224,"date":"2018-03-14T09:26:08","date_gmt":"2018-03-14T07:26:08","guid":{"rendered":"https:\/\/staging.www.imobiliare.ro\/imoexpert\/?post_type=guides&#038;p=51224"},"modified":"2024-05-13T18:17:39","modified_gmt":"2024-05-13T15:17:39","slug":"bugetul-5-sfaturi-utile","status":"publish","type":"guides","link":"https:\/\/www.imobiliare.ro\/imoexpert\/bugetul-5-sfaturi-utile\/","title":{"rendered":"Bugetul: 5 sfaturi utile"},"content":{"rendered":"<h2>Recesiunea s-a \u00eencheiat, \u00eens\u0103 tr\u0103im \u00eenc\u0103 \u00eentr-o pia\u021b\u0103 \u00een care pre\u021bul are o mare greutate \u00een ochii cump\u0103r\u0103torilor.<\/h2>\n<p>Potrivit statisticilor Imobiliare.ro, acest criteriu este luat \u00een calcul de c\u0103tre 70% dintre cei care \u00ee\u0219i doresc o cas\u0103. \u00ce\u021bi prezent\u0103m, de aceea, cinci sfaturi utile la stabilirea unui buget:<\/p>\n<h2>1. Fii realist: \u00eentinde-te doar at\u00e2t c\u00e2t \u00ee\u021bi e plapuma!<\/h2>\n<p>Acest vechi proverb rom\u00e2nesc reprezint\u0103 un excelent principiu de \u201es\u0103n\u0103tate\u201d financiar\u0103, at\u00e2t \u00een via\u021ba de zi cu zi, c\u00e2t \u0219i atunci c\u00e2nd suntem confrunta\u021bi cu decizii mai mari, precum achizi\u021bia unei case. Atunci c\u00e2nd porne\u0219ti \u00een c\u0103utarea unei locuin\u021be, fii c\u00e2t se poate de realist: analizeaz\u0103-\u021bi \u201ela s\u00e2nge\u201d situa\u021bia financiar\u0103 pentru a vedea c\u00e2t po\u021bi pl\u0103ti, cu adev\u0103rat, pentru aceasta.<\/p>\n<h2>2. Raporteaz\u0103-te la veniturile de azi, nu la cele de m\u00e2ine!<\/h2>\n<p>\u00cen perioada de boom economic, c\u00e2nd lucrurile p\u0103reau s\u0103 mearg\u0103 doar pe un curs ascendent, nu pu\u021bini au fost aceia care au luat decizii financiare miz\u00e2nd pe m\u0103riri viitoare de salariu sau pe g\u0103sirea unui job mai bun. Odat\u0103 cu venirea crizei, \u00eens\u0103, veniturile multora au sc\u0103zut, \u00een vreme ce al\u021bii \u0219i-au pierdut chiar locul de munc\u0103, r\u0103m\u00e2n\u00e2nd cu rate \u00eempov\u0103r\u0103toare. Chiar dac\u0103 e\u0219ti t\u00e2n\u0103r, iar ascensiunea financiar\u0103 reprezint\u0103 un scenariu probabil, ia \u00eentotdeauna \u00een calcul \u0219i cealalt\u0103 variant\u0103, pentru a evita surprizele nepl\u0103cute. Nimeni nu te opre\u0219te ca, peste c\u00e2\u021biva ani, dac\u0103 \u0219i c\u00e2nd vei avea o situa\u021bie mai bun\u0103, s\u0103 faci un upgrade de locuin\u021b\u0103.<\/p>\n<h2>3. G\u00e2nde\u0219te-te la cheltuielile suplimentare<\/h2>\n<p>Cump\u0103rarea unei locuin\u021be este, de regul\u0103, o \u201eopera\u021biune\u201d mult mai costisitoare dec\u00e2t s-ar p\u0103rea la prima vedere. Dincolo de cheltuielile evidente \u2013 rata lunar\u0103, avansul, taxele notariale etc. -, faptul c\u0103 vei deveni proprietar presupune ni\u0219te costuri suplimentare. Astfel, indiferent c\u0103 te vei muta \u00eentr-un apartament nou sau vechi, \u00een cele mai multe cazuri vei avea nevoie de bani pentru amenajarea, mobilarea acestuia \u0219i\/sau eventuale repara\u021bii. Chiar \u0219i lucruri aparent banale \u2013 cum ar fi punerea \u00een func\u021biune a unei centrale noi sau montarea unui interfon \u2013, toate contribuie la \u201enota de plat\u0103\u201d final\u0103.<\/p>\n<h2>4. Imagineaz\u0103-\u021bi \u0219i scenarii negative<\/h2>\n<p>Atunci c\u00e2nd \u00ee\u021bi calculezi bugetul de cas\u0103, e recomandat s\u0103-\u021bi imaginezi \u0219i o serie de scenarii negative, cum ar fi ca unul dintre so\u021bi s\u0103-\u0219i piard\u0103 locul de munc\u0103. Oric\u00e2t de nepl\u0103cut ar suna, o asemenea variant\u0103 trebuie luat\u0103 \u00een calcul. Pentru a nu ajunge \u00een imposibilitate de plat\u0103, un principiu de respectat ar fi ca un singur salariu la nivel de familie s\u0103 fie suficient at\u00e2t pentru plata ratei, c\u00e2t \u0219i pentru asigurarea nevoilor minime de existen\u021b\u0103 (hran\u0103 \u0219i utilit\u0103\u021bi).<\/p>\n<h2>5. Ia \u00een calcul apari\u021bia unui nou membru al familiei<\/h2>\n<p>Cu at\u00e2t mai mult c\u00e2nd e\u0219ti t\u00e2n\u0103r \u0219i doar ce \u021bi-ai \u00eentemeiat o familie, situa\u021bia ta financiar\u0103 poate fi \u201edat\u0103 peste cap\u201d oric\u00e2nd de un eveniment mai mult sau mai pu\u021bin prev\u0103zut cum este na\u0219terea unui copil. Acesta este un motiv \u00een plus pentru a fi atent ca rata la cas\u0103 s\u0103 nu \u00eentind\u0103 la maximum capacitatea ta de plat\u0103; aceasta ar trebui s\u0103-\u021bi permit\u0103, dimpotriv\u0103, s\u0103 pui deoparte o sum\u0103 de bani \u00een fiecare lun\u0103.<\/p>\n","protected":false},"featured_media":51225,"template":"","guides_category":[1672],"class_list":["post-51224","guides","type-guides","status-publish","has-post-thumbnail","hentry","guides_category-cumparator"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Bugetul: 5 sfaturi utile - ImoExpert<\/title>\n<meta name=\"description\" content=\"Recesiunea s-a \u00eencheiat, \u00eens\u0103 tr\u0103im \u00eenc\u0103 \u00eentr-o pia\u021b\u0103 \u00een care pre\u021bul are o mare greutate \u00een ochii cump\u0103r\u0103torilor. 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