{"id":10181,"date":"2011-05-18T11:28:20","date_gmt":"2011-05-18T08:28:20","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=10181_db\/"},"modified":"2011-05-18T11:28:20","modified_gmt":"2011-05-18T08:28:20","slug":"de-ce-sta-pe-loc-prima-casa-4","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-sta-pe-loc-prima-casa-4_db\/","title":{"rendered":"De ce st\u0103 pe loc Prima Cas\u0103 4?"},"content":{"rendered":"

Modificarea condi\u0163iilor de acordare a \u00eemprumuturilor ridic\u0103 probleme b\u0103ncilor care au sarcina de a-\u015fi elabora normele interne de creditare. <\/strong><\/p>\n

O bun\u0103 parte dintre cei care vor s\u0103-\u015fi achizi\u0163ioneze o locuin\u0163\u0103 \u00een momentul de fa\u0163\u0103 a\u015fteapt\u0103 cu inima la gur\u0103 s\u0103 poat\u0103 accesa din nou un credit Prima Cas\u0103. De\u015fi premierul Emil Boc previziona c\u0103 a patra etap\u0103 a programului va demara dup\u0103 Pa\u015fte<\/a>, acest lucru nu s-a \u00eent\u00e2mplat nici acum. Unele voci din pia\u0163\u0103 explic\u0103 aceast\u0103 \u00eent\u00e2rziere prin faptul c\u0103 Guvernul nu a publicat contractul-cadru de colaborare cu Fondul Na\u0163ional de Garantare a Creditelor pentru \u00centreprinderi Mici \u015fi Mijlocii (FNGCIMM).<\/p>\n

Aurel \u015earamet, pre\u015fedintele FNGCIMM, ne-a explicat \u00eens\u0103 c\u0103 acest contract este deja preg\u0103tit, \u00een urma negocierilor dintre Guvern \u015fi fond. Motivul pentru care \u00eenc\u0103 nu poate fi publicat este c\u0103 p\u00e2n\u0103 acum nu au fost aprobate de c\u0103tre Banca Na\u0163ional\u0103 a Rom\u00e2niei (BNR) normele de participare a b\u0103ncilor la cea de-a patra etap\u0103 a programului. \u201eP\u00e2n\u0103 c\u00e2nd nu vor fi semnate aceste norme, nu va putea fi publicat nici contractul-cadru\u201d, subliniaz\u0103 \u015earamet. Acesta estimeaz\u0103 c\u0103, din momentul \u00een care normele b\u0103ncilor participante la program vor fi aprobate, va dura \u00eenc\u0103 dou\u0103-trei zile p\u00e2n\u0103 ca Guvernul s\u0103 publice contractul-cadru.<\/p>\n

\"\"<\/a>\u00cen terenul cui e mingea?<\/strong>
\nLa r\u00e2ndul s\u0103u, Mugur \u015ete\u0163, purt\u0103torul de cuv\u00e2nt al BNR, are o explica\u0163ie pentru \u00eent\u00e2rzierea programului guvernamental. \u201eP\u00e2n\u0103 acum nicio banc\u0103 comercial\u0103 nu a depus normele de creditare. \u00cen momentul \u00een care acestea vor fi depuse, vor fi analizate rapid. Dac\u0103 sunt necesare anumite l\u0103muriri, acestea vor fi solicitate b\u0103ncii respective\u201d, subliniaz\u0103 el. \u015ete\u0163 precizeaz\u0103 c\u0103, p\u00e2n\u0103 acum, solicit\u0103rile institu\u0163iilor financiare c\u0103tre BNR au fost analizate \u015fi aprobate rapid \u2013 \u00een termen de c\u00e2teva zile sau o s\u0103pt\u0103m\u00e2n\u0103, \u00een anumite cazuri. \u00cen momentul de fa\u0163\u0103, a\u015fadar, \u201emingea\u201d se afl\u0103 \u00een terenul b\u0103ncilor, acestea av\u00e2nd sarcina de a analiza oportunitatea particip\u0103rii la noua variant\u0103 a programului. <\/p>\n

Care este motivul pentru care institu\u0163iile de credit \u00eent\u00e2rzie cu elaborarea normelor de creditare? Se pare c\u0103 modific\u0103rile aduse de noua variant\u0103 a programului Prima Cas\u0103<\/a> ridic\u0103 mai multe dificult\u0103\u0163i dec\u00e2t s-ar fi crezut ini\u0163ial. \u201eS\u0103pt\u0103m\u00e2na trecut\u0103 a avut loc o \u00eent\u00e2lnire la Ministerul de Finan\u0163e cu BNR pentru a se clarifica anumite aspecte privind m\u0103rimea avansului \u015fi situa\u0163ia garan\u0163iilor\u201d, ne-a explicat Radu Gra\u0163ian Ghe\u0163ea, pre\u015fedintele CEC Bank \u015fi al Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor (ARB). Acesta precizeaz\u0103 c\u0103 \u00een cadrul \u00eent\u00e2lnirii au fost discutate o serie de detalii tehnice dictate de schimb\u0103rile aduse de c\u0103tre Executiv programului, cum ar fi: ce se \u00eent\u00e2mpl\u0103 cu locuin\u0163ele dac\u0103 apar r\u0103u-platnici \u2013 cine execut\u0103 imobilul, cum sunt \u00eemp\u0103r\u0163i\u0163i banii \u00eentre stat \u015fi banc\u0103 etc.<\/p>\n

Nu toate b\u0103ncile pot da credite cu avans de 5% \u015fi un risc mai ridicat<\/strong>
\nGhe\u0163ea recunoa\u015fte c\u0103, date fiind modific\u0103rile la Prima Cas\u0103, nu toate b\u0103ncile participante p\u00e2n\u0103 acum vor fi probabil interesate<\/a>. Astfel, nu toate institu\u0163iile de credit au o politic\u0103 care s\u0103 le permit\u0103 s\u0103 acorde un credit ipotecar cu un avans de doar 5%, \u00een condi\u0163iile unui risc mai ridicat. \u00cen acest context, fiecare banc\u0103 va decide pe cont propriu dac\u0103 se poate \u00eencadra \u00een noile condi\u0163ii de creditare \u015fi va lua ac\u0163iona \u00een consecin\u0163\u0103. Pre\u015fedintele CEC Bank a precizat c\u0103 institu\u0163ia pe care o reprezint\u0103 lucreaz\u0103 momentan la propriile norme de creditare \u015fi estimeaz\u0103 c\u0103 acestea vor fi depuse c\u0103tre BNR p\u00e2n\u0103 la sf\u00e2r\u015fitul lunii mai. <\/p>\n

Ce se \u00eent\u00e2mpl\u0103 \u00een pia\u0163\u0103<\/strong>
\n\u00centre timp, pia\u0163a reziden\u0163ial\u0103 resimte din plin absen\u0163a programului Prima Cas\u0103. Beatrice Dumitra\u015fcu, managing partner al agen\u0163iei Coldwell Banker Titan, spune c\u0103, \u00een condi\u0163iile \u00een care cea mai mare cerere de apartamente<\/a> pe segmentul mediu vine din partea aplican\u0163ilor la un credit Prima Cas\u0103, stoparea acestui program se vede imediat. \u201eNu-\u0163i mai intr\u0103 oamenii cu aceea\u015fi frecven\u0163\u0103 pe u\u015f\u0103\u201d, spune ea. <\/p>\n

Unii juc\u0103tori din pia\u0163\u0103 \u00eencearc\u0103 \u00eens\u0103 s\u0103 vin\u0103 cu alternative la programul guvernamental. Compania autohton\u0103 Conarg Real Estate a v\u00e2ndut \u00een primele patru luni ale acestui an 64 de apartamente \u00een ansamblurile R\u0103s\u0103rit de Soare \u015fi Quadra 2. Spre deosebire de anul trecut \u00eens\u0103, c\u00e2nd majoritatea cump\u0103r\u0103torilor au beneficiat de un credit Prima Cas\u0103, \u00een 2011 ponderea acestui tip de tranzac\u0163ii a sc\u0103zut. \u201e\u00cen condi\u0163iile \u00een care plafonul pentru Prima Cas\u0103 a fost epuizat \u00een primele luni ale anului, iar majoritatea celor care au mai beneficiat de el au fost cump\u0103r\u0103tori din pia\u0163a veche, am sesizat o cre\u015ftere pentru finan\u0163area prin programul de rate proprii\u201d, spune Romeo C\u0103z\u0103nescu, directorul general al companiei. <\/p>\n","protected":false},"excerpt":{"rendered":"

Modificarea condi\u0163iilor de acordare a \u00eemprumuturilor ridic\u0103 probleme b\u0103ncilor care au sarcina de a-\u015fi elabora normele interne de creditare. O bun\u0103 parte dintre cei care vor s\u0103-\u015fi achizi\u0163ioneze o locuin\u0163\u0103 \u00een momentul de fa\u0163\u0103 a\u015fteapt\u0103 cu inima la gur\u0103 s\u0103 poat\u0103 accesa din nou un credit Prima Cas\u0103. De\u015fi premierul Emil Boc previziona c\u0103 a […]<\/p>\n","protected":false},"author":829,"featured_media":10182,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[352,804,476,546,1548,1360],"content_author":[],"class_list":{"0":"post-10181","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"tag-bnr","8":"tag-cec-bank","9":"tag-emil-boc","10":"tag-fngcimm","11":"tag-prima-casa","12":"tag-vanzare-apartamente"},"yoast_head":"\nDe ce st\u0103 pe loc Prima Cas\u0103 4? - ImoExpert<\/title>\n<meta name=\"description\" content=\"Modificarea condi\u0163iilor de acordare a \u00eemprumuturilor ridic\u0103 probleme b\u0103ncilor care au sarcina de a-\u015fi elabora normele interne de creditare. 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