{"id":51233,"date":"2018-03-14T09:45:21","date_gmt":"2018-03-14T07:45:21","guid":{"rendered":"https:\/\/staging.www.imobiliare.ro\/imoexpert\/?post_type=guides&#038;p=51233"},"modified":"2025-08-20T09:34:09","modified_gmt":"2025-08-20T06:34:09","slug":"creditul-prima-casa","status":"publish","type":"guides","link":"https:\/\/www.imobiliare.ro\/imoexpert\/creditul-prima-casa\/","title":{"rendered":"Creditul Noua Cas\u0103"},"content":{"rendered":"<p><strong>Programul guvernamental Noua Cas\u0103, cunoscut anterior ca Prima Cas\u0103, continu\u0103 s\u0103 fie una dintre cele mai cunoscute forme de creditare imobiliar\u0103 din Rom\u00e2nia. Principalul motiv? Un avans redus. Este o op\u021biune extrem de atractiv\u0103 pentru cei care nu au economii mari, dar viseaz\u0103 s\u0103 devin\u0103 proprietari.<\/strong><\/p>\n<p>Cre\u0219terea pre\u021burilor locuin\u021belor din ultimii ani limiteaz\u0103, \u00eens\u0103, num\u0103rul propriet\u0103\u021bilor care pot fi cump\u0103rate cu sprijinul Noua Cas\u0103, \u00een special \u00een marile ora\u0219e din \u021bar\u0103.<\/p>\n<h2><b>Cine poate accesa acest tip de credit?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Po\u021bi aplica pentru un credit Noua Cas\u0103 dac\u0103 nu de\u021bii deja o locuin\u021b\u0103 mai mare de 50 mp. <\/span>Dac\u0103\u00a0locuin\u021ba are un pre\u021b de p\u00e2n\u0103 la 70.000 euro, statul garanteaz\u0103 cel mult 50% din valoarea creditului, iar avansul minim pe care trebuie s\u0103 \u00eel pl\u0103te\u0219ti este de 5%.<\/p>\n<p>Pentru\u00a0locuin\u021be cu pre\u021buri \u00eentre 70.001 euro \u0219i 140.000 euro,\u00a0avansul minim obligatoriu cre\u0219te la 15%, iar statul poate garanta p\u00e2n\u0103 la 60% din valoarea creditului.<\/p>\n<h2><b>Timp de aprobare mai lung dec\u00e2t la un credit standard<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Trebuie s\u0103 \u0219tii c\u0103 procesul de aprobare este mai lent dec\u00e2t \u00een cazul unui credit ipotecar obi\u0219nuit. Pe l\u00e2ng\u0103 banc\u0103, dosarul t\u0103u va fi analizat \u0219i de Fondul de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii (FNGCIMM), iar acest pas suplimentar poate prelungi semnificativ a\u0219teptarea \u2013 uneori chiar peste o lun\u0103. Mai mult, pentru c\u0103 programul se bazeaz\u0103 pe fonduri alocate de stat, este posibil ca acestea s\u0103 se epuizeze temporar, iar realoc\u0103rile s\u0103 \u00eent\u00e2rzie. Din acest motiv, este recomandat s\u0103 te asiguri c\u0103 vei primi finan\u021barea la timp, \u00eenainte s\u0103 semnezi antecontractul.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La momentul contract\u0103rii creditului, beneficiarul va trebui s\u0103 constituie un depozit colateral echivalent cu trei rate de dob\u00e2nd\u0103. Acest depozit nu reprezint\u0103 primele rate lunare, ci doar dob\u00e2nda aferent\u0103. Pentru un \u00eemprumut de 57.000 de euro, suma necesar\u0103 este de aproximativ 600 de euro.<\/span><\/p>\n<h2><b>Dob\u00e2nda: variabil\u0103, nu fix\u0103<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">\u00cen cazul creditului Noua Cas\u0103 nu ai op\u021biunea de a achita o dob\u00e2nd\u0103 fix\u0103 \u00een primii ani. Dob\u00e2nda este doar variabil\u0103<\/span><span style=\"font-weight: 400;\">, ceea ce \u00eenseamn\u0103 c\u0103 poate fluctua \u00een func\u021bie de indicele IRCC. \u00cen 2025, IRCC se situeaz\u0103 \u00een jur de <\/span><b>5,55%\u20135,66%<\/b><span style=\"font-weight: 400;\">, iar la acesta se adaug\u0103 o <\/span><b>marj\u0103 fix\u0103 de 2%<\/b><span style=\"font-weight: 400;\">, rezult\u00e2nd o dob\u00e2nd\u0103 efectiv\u0103 de aproximativ <\/span><b>7,6%\u20138% anual<\/b><span style=\"font-weight: 400;\">. A\u0219adar, e important s\u0103 \u021bii cont de aceast\u0103 volatilitate.<\/span><\/p>\n<h2><b>Exist\u0103 \u0219i unele restric\u021bii importante<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">De\u0219i accesibil, programul Noua Cas\u0103 vine \u0219i cu anumite limit\u0103ri. Nu vei putea <\/span><b>vinde sau refinan\u021ba locuin\u021ba \u00een primii cinci ani<\/b><span style=\"font-weight: 400;\">, ceea ce \u00eenseamn\u0103 o flexibilitate mai redus\u0103 dec\u00e2t \u00een cazul unui credit ipotecar clasic.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 principalul t\u0103u obiectiv este s\u0103 devii proprietar c\u00e2t mai repede, iar economiile nu \u00ee\u021bi permit s\u0103 acoperi un avans mare, atunci Noua Cas\u0103 este o op\u021biune foarte bun\u0103. Dar dac\u0103 vrei mai mult\u0103 flexibilitate, o dob\u00e2nd\u0103 fix\u0103 \u0219i libertatea de a-\u021bi gestiona locuin\u021ba f\u0103r\u0103 restric\u021bii, s-ar putea ca un credit ipotecar clasic s\u0103 \u021bi se potriveasc\u0103 mai bine.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen orice caz, este bine s\u0103 analizezi cu aten\u021bie toate op\u021biunile. Dac\u0103 sim\u021bi c\u0103 ai nevoie de sprijin, po\u021bi apela la un broker de credite specializat. Acesta te poate ajuta s\u0103 compari ofertele b\u0103ncilor \u0219i s\u0103 alegi varianta cea mai potrivit\u0103 pentru tine.<\/span><\/p>\n","protected":false},"featured_media":51234,"template":"","guides_category":[1672],"class_list":["post-51233","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>Creditul Noua Cas\u0103 - ImoExpert<\/title>\n<meta name=\"description\" content=\"Programul guvernamental Noua Cas\u0103, cunoscut anterior ca Prima Cas\u0103, continu\u0103 s\u0103 fie una dintre cele mai cunoscute forme de creditare imobiliar\u0103 din\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/creditul-prima-casa\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Creditul Noua Cas\u0103\" \/>\n<meta property=\"og:description\" content=\"Programul guvernamental Noua Cas\u0103, cunoscut anterior ca Prima Cas\u0103, continu\u0103 s\u0103 fie una dintre cele mai cunoscute forme de creditare imobiliar\u0103 din\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/creditul-prima-casa\/\" \/>\n<meta property=\"og:site_name\" content=\"ImoExpert\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-20T06:34:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/03\/Art.2-1-scaled.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1605\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/creditul-prima-casa\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/creditul-prima-casa\/\",\"name\":\"Creditul Noua Cas\u0103 - 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