{"id":52023,"date":"2018-03-14T19:36:19","date_gmt":"2018-03-14T17:36:19","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?post_type=guides&p=52023"},"modified":"2024-05-14T14:12:17","modified_gmt":"2024-05-14T11:12:17","slug":"sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare","status":"publish","type":"guides","link":"https:\/\/www.imobiliare.ro\/imoexpert\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\/","title":{"rendered":"S\u0103-\u021bi \u021bii banii la banc\u0103 sau s\u0103-i investe\u0219ti \u00een imobiliare?"},"content":{"rendered":"

I\u0302n actualul context economic, a dispune de \u201ecash\u201d reprezint\u0103 un atu important, ce se cere valorificat. Dac\u0103 te afli i\u0302n aceast\u0103 situa\u021bie, probabil c\u0103 te i\u0302ntrebi care este cea mai bun\u0103 variant\u0103 de a-\u021bi \u201erotunji\u201d capitalul, odat\u0103 cu trecerea timpului.<\/p>\n

Iat\u0103 op\u021biunile cele mai populare i\u0302n ra\u0302ndul roma\u0302nilor:<\/p>\n

1. Depozitele la termen<\/h2>\n

Aceasta reprezint\u0103 alegerea cu presupune cel mai mic risc. Astfel, dac\u0103 e\u0219ti mai precaut din fire, varianta de a-\u021bi p\u0103stra banii la banc\u0103 \u021bi se va p\u0103rea, probabil, cea mai atractiv\u0103. De men\u021bionat este i\u0302ns\u0103 c\u0103 nivelul riscului este direct propor\u021bional cu poten\u021bialul de ca\u0302\u0219tig. Asta pentru c\u0103, i\u0302n momentul de fa\u021b\u0103, nivelul doba\u0302nzilor la depozitele bancare este destul de sc\u0103zut \u2013 pentru un depozit la termen la 12 luni, spre exemplu, ofertele b\u0103ncilor abia dac\u0103 ajung la un nivel de 1%. Asta i\u0302nseamn\u0103 c\u0103, dac\u0103 vei decide s\u0103 \u021bii la banc\u0103 economii i\u0302n valoare de 50.000 de euro, valoarea doba\u0302nzilor acumulate i\u0302n decursul unui an va ajunge, i\u0302ntr-un caz fericit, la circa 500 de euro.<\/p>\n

2. Ofertele b\u0103ncilor pentru locuin\u021be<\/h2>\n

O alt\u0103 variant\u0103 de valorificare a unui capital o reprezint\u0103 produsele de economisire- creditare ale a\u0219a-numitelor b\u0103nci pentru locuin\u021be. Principiul pe care funct\u0327ioneaz\u0103 acestea const\u0103 i\u0302n faptul c\u0103, vreme de (cel mai adesea) cinci ani, beneficiarul economises\u0327te i\u0302n vederea achizit\u0327iei, construct\u0327iei, renov\u0103rii sau amenaj\u0103rii unei locuin\u021be. Cel mai important avantaj oferit de produsele de gen const\u0103 i\u0302n prima substant\u0327ial\u0103 oferit\u0103 anual de c\u0103tre stat \u2013 aceasta se ridic\u0103 la 25% din valoarea sumei depuse la banc\u0103 de c\u0103tre beneficiar, dar nu poate fi mai mare de contravaloarea a 250 de euro. La aceast\u0103 sum\u0103 se adaug\u0103 s\u0327i doba\u0302nda din partea b\u0103ncii.<\/p>\n

3. Investi\u021biile i\u0302n imobiliare<\/h2>\n

Doba\u0302nzile mici la depozitele bancare reprezint\u0103 unul dintre motivele din spatele popularit\u0103\u021bii cresca\u0302nde a investi\u021biilor imobiliare din ultimii ani (i\u0302n consonan\u021b\u0103, desigur, cu i\u0302ncheierea perioadei de recesiune). Randamentul poten\u021bial al unei investi\u021bii difer\u0103 de la caz la caz, i\u0302ns\u0103 un nivel satisf\u0103c\u0103tor ar fi de minimum 6% (\u0219i chiar mai mult, dac\u0103 ne raport\u0103m la venitul vrut ob\u021binut din i\u0302nchiriere). I\u0302n momentul de fa\u021b\u0103, pia\u021ba imobiliar\u0103 autohton\u0103 ofer\u0103 \u0219i oportunit\u0103\u021bi mai mari de ca\u0302\u0219tig.<\/p>\n","protected":false},"featured_media":52024,"template":"","guides_category":[1675],"class_list":["post-52023","guides","type-guides","status-publish","has-post-thumbnail","guides_category-cumparator-cu-scop-investitional"],"yoast_head":"\nS\u0103-\u021bi \u021bii banii la banc\u0103 sau s\u0103-i investe\u0219ti \u00een imobiliare? - ImoExpert<\/title>\n<meta name=\"description\" content=\"I\u0302n actualul context economic, a dispune de \u201ecash\u201d reprezint\u0103 un atu important, ce se cere valorificat. Dac\u0103 te afli i\u0302n aceast\u0103 situa\u021bie, probabil c\u0103 te\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"S\u0103-\u021bi \u021bii banii la banc\u0103 sau s\u0103-i investe\u0219ti \u00een imobiliare? - ImoExpert\" \/>\n<meta property=\"og:description\" content=\"I\u0302n actualul context economic, a dispune de \u201ecash\u201d reprezint\u0103 un atu important, ce se cere valorificat. Dac\u0103 te afli i\u0302n aceast\u0103 situa\u021bie, probabil c\u0103 te\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\/\" \/>\n<meta property=\"og:site_name\" content=\"Imobiliare.ro\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-14T11:12:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/og-cache\/art-2-20-1200x675-87418655-branded.jpg?v=12\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@wwwImobiliareRo\" \/>\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\\\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\\\/\",\"url\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\\\/\",\"name\":\"S\u0103-\u021bi \u021bii banii la banc\u0103 sau s\u0103-i investe\u0219ti \u00een imobiliare? - ImoExpert\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/wp-content\\\/uploads\\\/2018\\\/03\\\/Art.2-20-scaled.jpg\",\"datePublished\":\"2018-03-14T17:36:19+00:00\",\"dateModified\":\"2024-05-14T11:12:17+00:00\",\"description\":\"I\u0302n actualul context economic, a dispune de \u201ecash\u201d reprezint\u0103 un atu important, ce se cere valorificat. Dac\u0103 te afli i\u0302n aceast\u0103 situa\u021bie, probabil c\u0103 te\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\\\/#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/wp-content\\\/uploads\\\/2018\\\/03\\\/Art.2-20-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/wp-content\\\/uploads\\\/2018\\\/03\\\/Art.2-20-scaled.jpg\",\"width\":2560,\"height\":1560},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Imoradar24\",\"item\":\"https:\\\/\\\/www.imoradar24.ro\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"ImoExpert\",\"item\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Ghiduri\",\"item\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/ghiduri\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"S\u0103-\u021bi \u021bii banii la banc\u0103 sau s\u0103-i investe\u0219ti \u00een imobiliare?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#website\",\"url\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/\",\"name\":\"ImoExpert\",\"description\":\"cele mai importante \u015ftiri din domeniul imobiliar\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#organization\"},\"inLanguage\":\"en\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#organization\",\"name\":\"Imobiliare.ro\",\"alternateName\":\"Realmedia Network SA\",\"url\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/imobiliare_logo.png\",\"contentUrl\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/imobiliare_logo.png\",\"width\":237,\"height\":29,\"caption\":\"Imobiliare.ro\"},\"image\":{\"@id\":\"https:\\\/\\\/www.imobiliare.ro\\\/imoexpert\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"S\u0103-\u021bi \u021bii banii la banc\u0103 sau s\u0103-i investe\u0219ti \u00een imobiliare? - ImoExpert","description":"I\u0302n actualul context economic, a dispune de \u201ecash\u201d reprezint\u0103 un atu important, ce se cere valorificat. Dac\u0103 te afli i\u0302n aceast\u0103 situa\u021bie, probabil c\u0103 te","robots":{"index":"index","follow":"follow"},"canonical":"https:\/\/www.imobiliare.ro\/imoexpert\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\/","og_locale":"ro_RO","og_type":"article","og_title":"S\u0103-\u021bi \u021bii banii la banc\u0103 sau s\u0103-i investe\u0219ti \u00een imobiliare? - ImoExpert","og_description":"I\u0302n actualul context economic, a dispune de \u201ecash\u201d reprezint\u0103 un atu important, ce se cere valorificat. Dac\u0103 te afli i\u0302n aceast\u0103 situa\u021bie, probabil c\u0103 te","og_url":"https:\/\/www.imobiliare.ro\/imoexpert\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\/","og_site_name":"Imobiliare.ro","article_modified_time":"2024-05-14T11:12:17+00:00","og_image":[{"width":2560,"height":1560,"url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/og-cache\/art-2-20-1200x675-87418655-branded.jpg?v=12","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@wwwImobiliareRo","twitter_misc":{"Est. reading time":"2 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\/","url":"https:\/\/www.imobiliare.ro\/imoexpert\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\/","name":"S\u0103-\u021bi \u021bii banii la banc\u0103 sau s\u0103-i investe\u0219ti \u00een imobiliare? - ImoExpert","isPartOf":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\/#primaryimage"},"image":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\/#primaryimage"},"thumbnailUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/03\/Art.2-20-scaled.jpg","datePublished":"2018-03-14T17:36:19+00:00","dateModified":"2024-05-14T11:12:17+00:00","description":"I\u0302n actualul context economic, a dispune de \u201ecash\u201d reprezint\u0103 un atu important, ce se cere valorificat. Dac\u0103 te afli i\u0302n aceast\u0103 situa\u021bie, probabil c\u0103 te","breadcrumb":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\/#breadcrumb"},"inLanguage":"en","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imobiliare.ro\/imoexpert\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\/"]}]},{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\/#primaryimage","url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/03\/Art.2-20-scaled.jpg","contentUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2018\/03\/Art.2-20-scaled.jpg","width":2560,"height":1560},{"@type":"BreadcrumbList","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/sa-ti-tii-banii-la-banca-sau-sa-investesti-imobiliare\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Imoradar24","item":"https:\/\/www.imoradar24.ro"},{"@type":"ListItem","position":2,"name":"ImoExpert","item":"https:\/\/www.imobiliare.ro\/imoexpert\/"},{"@type":"ListItem","position":3,"name":"Ghiduri","item":"https:\/\/www.imobiliare.ro\/imoexpert\/ghiduri\/"},{"@type":"ListItem","position":4,"name":"S\u0103-\u021bi \u021bii banii la banc\u0103 sau s\u0103-i investe\u0219ti \u00een imobiliare?"}]},{"@type":"WebSite","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#website","url":"https:\/\/www.imobiliare.ro\/imoexpert\/","name":"ImoExpert","description":"cele mai importante \u015ftiri din domeniul imobiliar","publisher":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization"},"inLanguage":"en"},{"@type":"Organization","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#organization","name":"Imobiliare.ro","alternateName":"Realmedia Network SA","url":"https:\/\/www.imobiliare.ro\/imoexpert\/","logo":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/","url":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png","contentUrl":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2025\/05\/imobiliare_logo.png","width":237,"height":29,"caption":"Imobiliare.ro"},"image":{"@id":"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/guides\/52023","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/guides"}],"about":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/types\/guides"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/media\/52024"}],"wp:attachment":[{"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/media?parent=52023"}],"wp:term":[{"taxonomy":"guides_category","embeddable":true,"href":"https:\/\/www.imobiliare.ro\/imoexpert\/wp-json\/wp\/v2\/guides_category?post=52023"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}