{"id":51237,"date":"2018-03-14T09:51:45","date_gmt":"2018-03-14T07:51:45","guid":{"rendered":"https:\/\/staging.www.imobiliare.ro\/imoexpert\/?post_type=guides&p=51237"},"modified":"2018-03-19T09:44:59","modified_gmt":"2018-03-19T07:44:59","slug":"alte-optiuni-ratele-la-dezvoltator","status":"publish","type":"guides","link":"https:\/\/www.imobiliare.ro\/imoexpert\/alte-optiuni-ratele-la-dezvoltator\/","title":{"rendered":"Alte op\u021biuni: ratele la dezvoltator"},"content":{"rendered":"

De\u0219i condi\u021biile de creditare pot fi considerate destul de \u201efavorabile\u201d \u00een momentul de fa\u021b\u0103, exist\u0103 persoane care fie nu sunt eligibile pentru un credit bancar, fie sunt reticente la ideea de a se \u00eendatora la banc\u0103 pe un termen lung.<\/h2>\n

Pentru ace\u0219tia exist\u0103 o modalitate de finan\u021bare alternativ\u0103 \u00een cazul locuin\u021belor noi, anume ratele la dezvoltator. Iat\u0103 particularit\u0103\u021bile acestei modalit\u0103\u021bi de finan\u021bare:<\/p>\n

1. Avans mai ridicat<\/h2>\n

Aceast\u0103 solu\u021bie se preteaz\u0103 \u00een general liber-profesioni\u0219tilor, ale c\u0103ror venituri, de\u0219i considerabile, nu sunt totu\u0219i stabile. Astfel de persoane nu au de obicei o problem\u0103 \u00een achitarea unui avans mai ridicat, cum ar fi, de pild\u0103, 25% din valoarea imobilului achizi\u021bionat \u2013 sau \u0219i mai mult, \u00een func\u021bie de disponibilitatea de plat\u0103 \u0219i \u00een\u021belegerea cu v\u00e2nz\u0103torul.<\/p>\n

2. Rate fixe<\/h2>\n

Dup\u0103 plata avansului, sistemul presupune achitarea a ceea ce a mai r\u0103mas din valoarea imobilului \u00een rate e\u0219alonate fixe, pe o anumit\u0103 perioad\u0103 de timp (dezvoltatorii opteaz\u0103, de obicei, pentru un termen mai mic de zece ani, pentru a-\u0219i putea recupera investi\u021bia). Dat\u0103 fiind perioada relativ redus\u0103 de rambursare, este evident c\u0103 ratele c\u0103tre dezvoltator vor fi, \u0219i ele, mai mari.<\/p>\n

3. Exist\u0103 \u0219i o dob\u00e2nd\u0103!<\/h2>\n

\u00centr-un asemenea sistem de plat\u0103, dezvoltatorii percep \u0219i o dob\u00e2nd\u0103 \u2013 fapt c\u00e2t se poate de normal, de altfel, av\u00e2nd \u00een vedere c\u0103 ei au, practic, rolul unui creditor \u0219i \u00ee\u0219i asum\u0103 un risc financiar pentru perioada \u00een care clientul se angajeaz\u0103 s\u0103 achite integral locuin\u021ba. Costurile acestei variante de finan\u021bare difer\u0103, \u00een mod firesc, de la dezvoltator la dezvoltator, precum \u0219i \u00een func\u021bie de condi\u021biile de rambursare acceptate de fiecare \u00een parte. Nivelul dob\u00e2nzii este, \u00een general, mai mare dec\u00e2t \u00een cazul unui credit, put\u00e2nd ajunge \u0219i la peste 8% pe an. \u00cenainte de \u00eencheierea unei asemenea tranzac\u021bii, a\u0219adar, intereseaz\u0103-te care sunt, mai exact, costurile acestei modalit\u0103\u021bi de finan\u021bare!<\/p>\n","protected":false},"featured_media":51238,"template":"","guides_category":[1672],"class_list":["post-51237","guides","type-guides","status-publish","has-post-thumbnail","hentry","guides_category-cumparator"],"yoast_head":"\nAlte op\u021biuni: ratele la dezvoltator - ImoExpert<\/title>\n<meta name=\"description\" content=\"De\u0219i condi\u021biile de creditare pot fi considerate destul de \u201efavorabile\u201d \u00een momentul de fa\u021b\u0103, exist\u0103 persoane care fie nu sunt eligibile pentru un credit\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/alte-optiuni-ratele-la-dezvoltator\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alte op\u021biuni: ratele la dezvoltator\" \/>\n<meta property=\"og:description\" content=\"De\u0219i condi\u021biile de creditare pot fi considerate destul de \u201efavorabile\u201d \u00een momentul de fa\u021b\u0103, exist\u0103 persoane care fie nu sunt eligibile pentru un credit\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/alte-optiuni-ratele-la-dezvoltator\/\" \/>\n<meta property=\"og:site_name\" content=\"ImoExpert\" \/>\n<meta property=\"article:modified_time\" content=\"2018-03-19T07:44:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/03\/Art.4-4-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\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=\"2 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/alte-optiuni-ratele-la-dezvoltator\/\",\"url\":\"https:\/\/www.imobiliare.ro\/imoexpert\/alte-optiuni-ratele-la-dezvoltator\/\",\"name\":\"Alte op\u021biuni: ratele la dezvoltator - 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