{"id":13271,"date":"2011-07-01T14:52:01","date_gmt":"2011-07-01T11:52:01","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=13271_db\/"},"modified":"2011-07-01T14:52:01","modified_gmt":"2011-07-01T11:52:01","slug":"prima-casa-4-aduce-conditii-mai-bune-pentru-beneficiar-decat-editiile-precedente-bancile-raspund-ce-trebuie-sa-stii-daca-vrei-un-credit","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/prima-casa-4-aduce-conditii-mai-bune-pentru-beneficiar-decat-editiile-precedente-bancile-raspund-ce-trebuie-sa-stii-daca-vrei-un-credit_db\/","title":{"rendered":"Prima Cas\u0103 4 aduce condi\u0163ii mai bune pentru beneficiar dec\u00e2t edi\u0163iile precedente. B\u0103ncile r\u0103spund: Ce trebuie s\u0103 \u015ftii dac\u0103 vrei un credit"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Cuprins<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6ae349ceb076f\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Comut\u0103 cuprinsul<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6ae349ceb076f\"  aria-label=\"Comut\u0103 cuprinsul\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/prima-casa-4-aduce-conditii-mai-bune-pentru-beneficiar-decat-editiile-precedente-bancile-raspund-ce-trebuie-sa-stii-daca-vrei-un-credit_db\/#In_conditiile_modificarii_conditiilor_de_creditare_prin_Prima_Casa_fondurile_deja_eliberate_pentru_acordarea_de_imprumuturi_in_cea_de-a_patra_faza_a_programului_ar_trebui_sa_fie_suficiente_pentru_o_perioada_de_un_si_jumatate-doi\" >\u00cen condi\u021biile modific\u0103rii condi\u021biilor de creditare prin Prima Cas\u0103, fondurile deja eliberate pentru acordarea de \u00eemprumuturi \u00een cea de-a patra faz\u0103 a programului ar trebui s\u0103 fie suficiente pentru o perioad\u0103 de un \u015fi jum\u0103tate-doi.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/prima-casa-4-aduce-conditii-mai-bune-pentru-beneficiar-decat-editiile-precedente-bancile-raspund-ce-trebuie-sa-stii-daca-vrei-un-credit_db\/#1_Care_sunt_diferentele_dintre_Prima_Casa_4_si_editiile_precedente\" >1. Care sunt diferen\u0163ele dintre Prima Cas\u0103 4 \u015fi edi\u0163iile precedente?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/prima-casa-4-aduce-conditii-mai-bune-pentru-beneficiar-decat-editiile-precedente-bancile-raspund-ce-trebuie-sa-stii-daca-vrei-un-credit_db\/#2_Ofera_noua_etapa_aceleasi_costuri_reduse_ca_si_editiile_precedente\" >2. Ofer\u0103 noua etap\u0103 acelea\u015fi costuri reduse ca \u015fi edi\u0163iile precedente?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/prima-casa-4-aduce-conditii-mai-bune-pentru-beneficiar-decat-editiile-precedente-bancile-raspund-ce-trebuie-sa-stii-daca-vrei-un-credit_db\/#3_Ce_fel_de_imobil_pot_achizitiona_sau_construi_prin_intermediul_acestui_program_Exista_o_preferinta_a_bancilor_pentru_un_anumit_gen_de_locuinte\" >3. Ce fel de imobil pot achizi\u0163iona sau construi prin intermediul acestui program? Exist\u0103 o preferin\u0163\u0103 a b\u0103ncilor pentru un anumit gen de locuin\u0163e?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/prima-casa-4-aduce-conditii-mai-bune-pentru-beneficiar-decat-editiile-precedente-bancile-raspund-ce-trebuie-sa-stii-daca-vrei-un-credit_db\/#4_Care_este_primul_pas_pe_care_ar_trebui_sa-l_fac_sa_gasesc_o_locuinta_sau_sa_merg_la_banca\" >4. Care este primul pas pe care ar trebui s\u0103-l fac: s\u0103 g\u0103sesc o locuin\u0163\u0103 sau s\u0103 merg la banc\u0103?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/prima-casa-4-aduce-conditii-mai-bune-pentru-beneficiar-decat-editiile-precedente-bancile-raspund-ce-trebuie-sa-stii-daca-vrei-un-credit_db\/#5_Ce_conditii_imi_ofera_fiecare_banca_in_parte_Cum_aleg\" >5. Ce condi\u0163ii \u00eemi ofer\u0103 fiecare banc\u0103 \u00een parte? Cum aleg?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/prima-casa-4-aduce-conditii-mai-bune-pentru-beneficiar-decat-editiile-precedente-bancile-raspund-ce-trebuie-sa-stii-daca-vrei-un-credit_db\/#6_Exista_si_alternative_la_Prima_Casa\" >6. Exist\u0103 \u015fi alternative la Prima Cas\u0103?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/prima-casa-4-aduce-conditii-mai-bune-pentru-beneficiar-decat-editiile-precedente-bancile-raspund-ce-trebuie-sa-stii-daca-vrei-un-credit_db\/#7_Care_este_riscul_de_a_nu-mi_mai_putea_plati_creditul_Ce_se_intampla_daca_ajung_in_situatia_aceasta\" >7. Care este riscul de a nu-mi mai putea pl\u0103ti creditul? Ce se \u00eent\u00e2mpl\u0103 dac\u0103 ajung \u00een situa\u0163ia aceasta?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"In_conditiile_modificarii_conditiilor_de_creditare_prin_Prima_Casa_fondurile_deja_eliberate_pentru_acordarea_de_imprumuturi_in_cea_de-a_patra_faza_a_programului_ar_trebui_sa_fie_suficiente_pentru_o_perioada_de_un_si_jumatate-doi\"><\/span>\u00cen condi\u021biile modific\u0103rii condi\u021biilor de creditare prin Prima Cas\u0103, fondurile deja eliberate pentru acordarea de \u00eemprumuturi \u00een cea de-a patra faz\u0103 a programului ar trebui s\u0103 fie suficiente pentru o perioad\u0103 de un \u015fi jum\u0103tate-doi.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dup\u0103 o a\u015fteptare prelungit\u0103, cei care doreau s\u0103 achizi\u0163ioneze o locuin\u0163\u0103 prin intermediul unui credit Prima Cas\u0103 pot r\u0103sufla acum u\u015fura\u0163i. Pe 6 iunie <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/prima-casa\/a-inceput-programul-prima-casa-4-vezi-unde-iti-poti-depune-dosarul-de-credit-si-cate-banci-mai-sunt-pe-lista-de-asteptare_db\/\">a \u00eenceput oficial cea de-a patra etap\u0103 a programului<\/a>, atunci c\u00e2nd Banca Comercial\u0103 Rom\u00e2n\u0103 (BCR) a anun\u0163at c\u0103 acord\u0103 credite co-garantate de c\u0103tre stat. \u00centre timp, patru alte b\u0103nci au f\u0103cut acela\u015fi pas: CEC Bank, Alpha Bank, Banca Rom\u00e2n\u0103 de Dezvoltare (BRD) \u015fi Millennium Bank. Pe lista de a\u015fteptare pentru avizarea normelor de creditare de c\u0103tre Banca Na\u0163ional\u0103 Rom\u00e2n\u0103 se afl\u0103 \u00eenc\u0103 \u015fapte institu\u0163ii de credit. B\u0103ncile care acord\u0103 \u00een prezent credite Prima Cas\u0103 cumuleaz\u0103 un plafon de aproximativ 1,14 miliarde de euro \u2013 asta dintr-un poten\u0163ial maxim de 1,6 miliarde de euro, conform declara\u0163iilor premierului Emil Boc.<\/p>\n<p>Potrivit estim\u0103rilor bancherilor, aceste fonduri ar fi suficiente pentru acordarea de credite pentru o perioad\u0103 semnificativ\u0103 de timp. \u201eFondurile care s-au eliberat \u2013 \u00een momentul de fa\u0163\u0103 exist\u0103 un poten\u0163ial de peste 1 miliard de euro care s\u0103 fie injectat \u00een pia\u0163\u0103 \u2013 este pu\u0163in probabil s\u0103 fie absorbite \u00eentr-un interval mai mic de un an \u015fi jum\u0103tate-doi \u2013 perioad\u0103 \u00een care se pot \u00eent\u00e2mpla multe\u201d, subliniaz\u0103 \u015etefan Coroianu, director executiv \u00een cadrul Direc\u0163iei Managementul Produselor Retail a BCR.<\/p>\n<p>Pentru a-\u0163i r\u0103spunde la \u00eentreb\u0103rile legate de noua versiune a programului guvernamental, www.imobiliare.ro a organizat o \u00eent\u00e2lnire special\u0103 a <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/apartamente\/bancile-la-cpi-prima-casa-motor-sau-piedica-pentru-piata-imobiliara_db\/\">Clubului Profesioni\u015ftilor \u00een Imobiliare (CPI) &#8211; \u201e\u00cen dialog direct cu b\u0103ncile\u201d<\/a>. Reprezentan\u0163ii institu\u0163iilor de credit care au acceptat invita\u0163ia noastr\u0103 au contribuit la l\u0103murirea c\u00e2torva aspecte importante ce \u0163in de acest program.<\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/apartamente\/prima-casa-4-aduce-conditii-mai-bune-pentru-beneficiar-decat-editiile-precedente-bancile-raspund-ce-trebuie-sa-stii-daca-vrei-un-credit_db\/consultantaprimacasa-3\/\" rel=\"attachment wp-att-13283\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2011\/07\/consultantaPrimaCasa2-300x238.jpg\" alt=\"\" title=\"consultantaPrimaCasa\" width=\"300\" height=\"238\" class=\"alignleft size-medium wp-image-13283\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Care_sunt_diferentele_dintre_Prima_Casa_4_si_editiile_precedente\"><\/span>1. Care sunt diferen\u0163ele dintre Prima Cas\u0103 4 \u015fi edi\u0163iile precedente?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen primul r\u00e2nd, riscul de garantare este \u00eemp\u0103r\u0163it acum \u00een propor\u0163ii egale \u00eentre stat \u015fi banc\u0103. Acest lucru are o consecin\u0163\u0103 pozitiv\u0103 asupra consumatorului final, prin reducerea cheltuielilor pe care acesta le are de suportat: astfel, comisionul pl\u0103tit anual c\u0103tre Fondul Na\u0163ional de Garantare a Creditelor pentru \u00centreprinderi Mici \u015fi Mijlocii (FNGCIMM) \u2013 de 0,49% &#8211; se reduce la jum\u0103tate, \u00eentruc\u00e2t este raportat la 50% din valoarea total\u0103 a \u00eemprumutului.<\/p>\n<p>Cea de-a doua mare schimbare const\u0103 \u00een posibilitatea acces\u0103rii acestui program \u015fi de c\u0103tre persoanele care de\u0163in deja o locuin\u0163\u0103, dar aceasta are o suprafa\u0163\u0103 mai mic\u0103 de 50 de metri p\u0103tra\u0163i utili. Singura condi\u0163ie este ca respectivul imobil s\u0103 nu fi fost achizi\u0163ionat tot prin intermediul unui credit Prima Cas\u0103.<\/p>\n<p>Acestor dou\u0103 diferen\u0163e li se mai adaug\u0103 c\u00e2teva modific\u0103ri de ordin &#8222;tehnic&#8221;, precum:<br \/>\n&#8211; reintroducerea promisiunii de garantare pentru construc\u0163ia de locuin\u0163e \u00eenainte ca imobilul s\u0103 fie \u00eenscris \u00een Cartea Funciar\u0103;<br \/>\n&#8211; eliminarea limitei de v\u00e2rst\u0103 \u2013 nu trebuie s\u0103 ai o v\u00e2rst\u0103 maxim\u0103 pentru a accesa un astfel de \u00eemprumut. Cu toate acestea, fiecare banc\u0103 are propriile condi\u0163ii de creditare care prev\u0103d ca v\u00e2rsta maxim\u0103 a unui client la momentul finaliz\u0103rii ramburs\u0103rii unui credit s\u0103 nu dep\u0103\u015feasc\u0103 65-70 de ani;<br \/>\n&#8211; limita de de\u0163inere a unei locuin\u0163e &#8211; \u00een edi\u0163ia precedent\u0103 a programului, nu puteau aplica cei care de\u0163inuser\u0103 un imobil dup\u0103 anul 2000.<\/p>\n<p>\u015etefan Coroianu este de p\u0103rere c\u0103 eliminarea tuturor acestor restric\u0163ii va asigura un influx semnificativ de cereri de creditare prin programul Prima Cas\u0103.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Ofera_noua_etapa_aceleasi_costuri_reduse_ca_si_editiile_precedente\"><\/span>2. Ofer\u0103 noua etap\u0103 acelea\u015fi costuri reduse ca \u015fi edi\u0163iile precedente?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> Da. At\u00e2t avansul solicitat de c\u0103tre b\u0103nci a r\u0103mas acela\u015fi \u2013 5% -, c\u00e2t \u015fi nivelul maxim admis al dob\u00e2nzilor solicitate de acestea: Euribor la trei luni plus 4%, pentru creditele \u00een euro, \u015fi Robor la trei luni plus 2,5%, pentru creditele \u00een lei.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Ce_fel_de_imobil_pot_achizitiona_sau_construi_prin_intermediul_acestui_program_Exista_o_preferinta_a_bancilor_pentru_un_anumit_gen_de_locuinte\"><\/span>3. Ce fel de imobil pot achizi\u0163iona sau construi prin intermediul acestui program? Exist\u0103 o preferin\u0163\u0103 a b\u0103ncilor pentru un anumit gen de locuin\u0163e?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> La modul teoretic, cu ajutorul unui credit Prima Cas\u0103 po\u0163i cump\u0103ra sau construi orice fel de locuin\u0163\u0103, at\u00e2ta timp c\u00e2t de \u00eencadrezi \u00een plafoanele de creditare admise:<br \/>\n&#8211; 60.000 de euro pentru <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente-bucuresti-2349706\">apartamentele<\/a> finalizate (indiferent de anul construc\u0163iei)<br \/>\n&#8211; 70.000 de euro pentru construc\u0163ia unei case de la zero de c\u0103tre un singur beneficiar<br \/>\n&#8211; 75.000 de euro pentru construc\u0163ia unei locuin\u0163e prin intermediul unei asocia\u0163ii de cel pu\u0163in doi proprietari (asocia\u0163ie f\u0103r\u0103 personalitate juridic\u0103).<br \/>\n\u00cen ciuda acestor condi\u0163ii generale, fiecare banc\u0103 are totu\u015fi propriile norme de creditare ce pot impune anumite limite. Spre exemplu, BRD \u015fi BCR nu accept\u0103 imobile mai vechi de 50-60 de ani, astfel \u00eenc\u00e2t la terminarea perioadei de rambursare a creditului locuin\u0163a s\u0103 nu-\u015fi fi dep\u0103\u015fit perioada medie de via\u0163\u0103 (de 100 de ani). Pe de alt\u0103 parte, Alpha Bank nu impune o limit\u0103 \u00een ceea ce prive\u015fte anul de construc\u0163ie, \u00eens\u0103 prevede ca imobilul achizi\u0163ionat s\u0103 nu fie inclus pe lista de risc seismic. O metod\u0103 de \u201efiltrare\u201d, at\u00e2t pentru Alpha Bank, c\u00e2t \u015fi pentru Millennium Bank, o reprezint\u0103 acceptul asiguratorului de a \u00eencheia o poli\u0163\u0103 pentru respectiva unitate locativ\u0103. \u015etefan Coroianu spune c\u0103 nu doar banca, ci \u015fi pia\u0163a \u00eens\u0103\u015fi \u0163ine cont de criteriul anului de construc\u0163ie. Potrivit acestuia, cererea de credite pentru achizi\u0163ionarea de imobile construite \u00eenainte de 1975 a fost nul\u0103 pentru BCR.<br \/>\n\u00cen ceea ce prive\u015fte construc\u0163ia de locuin\u0163e, Ana Maria Tincu, reprezentanta Direc\u0163iei de Dezvoltare Produse de Retail \u015fi V\u00e2nz\u0103ri a Alpha Bank, spune c\u0103 cererea clien\u0163ilor pentru aceast\u0103 variant\u0103 a fost una extrem de redus\u0103, dat\u0103 fiind birocra\u0163ia implicat\u0103. Astfel, \u00eentruc\u00e2t majoritatea celor care vor s\u0103-\u015fi construiasc\u0103 o cas\u0103 prin intermediul programului vor s\u0103 deruleze lucr\u0103rile fie \u00een regie proprie, fie cu ajutorul unor firme mici, este foarte greu pentru ace\u015ftia s\u0103 vin\u0103 cu toate actele cerute de FNGCIMM.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Care_este_primul_pas_pe_care_ar_trebui_sa-l_fac_sa_gasesc_o_locuinta_sau_sa_merg_la_banca\"><\/span>4. Care este primul pas pe care ar trebui s\u0103-l fac: s\u0103 g\u0103sesc o locuin\u0163\u0103 sau s\u0103 merg la banc\u0103?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pentru a evita situa\u0163iile nepl\u0103cute, \u00een care po\u0163i pierde nu doar o anumit\u0103 proprietate pe care ai g\u0103sit-o, ci \u015fi banii de avans, este recomandabil ca, mai \u00eenainte de a \u00eencepe c\u0103utarea, s\u0103 faci un drum la banc\u0103 \u015fi s\u0103 solici\u0163i o preaprobare financiar\u0103. Aceasta are o valabilitate variabil\u0103 \u00een func\u0163ie de banc\u0103 (30 de zile pentru Millennium Bank, 180 de zile pentru BCR) \u015fi \u00ee\u0163i va permite s\u0103-\u0163i g\u0103se\u015fti locuin\u0163a potrivit\u0103 \u00eencadr\u00e2ndu-te \u00een bugetul real de care dispui. Chiar \u015fi a\u015fa \u00eens\u0103, este necesar s\u0103-\u0163i iei anumite m\u0103suri de precau\u0163ie: asigur\u0103-te c\u0103 antecontractul de v\u00e2nzare-cump\u0103rare include o clauz\u0103 de restituire a banilor de avans \u00een cazul \u00een care tranzac\u0163ia nu se va finaliza pentru c\u0103 nu ai reu\u015fit s\u0103 ob\u0163ii \u00eemprumutul (sau suma pe care mizai ini\u0163ial). Se poate \u00eent\u00e2mpla, spre exemplu, ca valoarea de evaluare a imobilului s\u0103 fie mai mic\u0103 dec\u00e2t pre\u0163ul cerut de v\u00e2nz\u0103tor, iar atunci nu vei reu\u015fi s\u0103 ob\u0163ii \u00eentreaga sum\u0103 de care ai nevoie.<\/p>\n<p><a class=\"article-body-links\"rel=\"attachment wp-att-13275\" href=\"https:\/\/www.imobiliare.ro\/apartamente\/prima-casa-4-aduce-conditii-mai-bune-pentru-beneficiar-decat-editiile-precedente-bancile-raspund-ce-trebuie-sa-stii-daca-vrei-un-credit_db\/documente-5\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-medium wp-image-13275\" title=\"documente\" src=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2011\/07\/documente1-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Ce_conditii_imi_ofera_fiecare_banca_in_parte_Cum_aleg\"><\/span>5. Ce condi\u0163ii \u00eemi ofer\u0103 fiecare banc\u0103 \u00een parte? Cum aleg?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>BCR:<br \/>\n&#8211; plafon de 600 milioane de euro;<br \/>\n&#8211; dob\u00e2nda este variabil\u0103, format\u0103 din Euribor la trei luni plus o marj\u0103 de 3,75% pentru clien\u0163ii cu istoric \u00een rela\u0163ia cu banca \u015fi o marj\u0103 de 3,95% pentru clien\u0163ii f\u0103r\u0103 istoric.<br \/>\nCEC Bank:<br \/>\n&#8211; plafon de 27 milioane de euro;<br \/>\n&#8211; dob\u00e2nda este variabil\u0103, format\u0103 din Euribor la trei luni plus 4% pentru creditele \u00een euro \u015fi Robor la trei luni plus 1,9%, pentru creditele \u00een lei.<br \/>\nAlpha Bank:<br \/>\n&#8211; plafon de aproximativ 135 milioane de euro;<br \/>\n&#8211; dob\u00e2nd\u0103 variabil\u0103, format\u0103 din Euribor la trei luni, plus o marj\u0103 de 4%<br \/>\nBRD:<br \/>\n&#8211; plafon de aproximativ 325 milioane de euro;<br \/>\n&#8211; dou\u0103 paliere de dob\u00e2nd\u0103, \u00een func\u0163ie de perioada de rambursare a creditului: \u00eentre 10 \u015fi 20 de ani, o dob\u00e2nd\u0103 format\u0103 din Euribor la trei luni, plus o marj\u0103 de 3,65%; pentru perioadele cuprinse \u00eentre 20 \u015fi 30 de ani, o dob\u00e2nd\u0103 format\u0103 din Euribor la trei luni, plus 3,75%.<br \/>\nMillennium Bank:<br \/>\n&#8211; plafon de circa 50 de milioane de euro<br \/>\n&#8211; dob\u00e2nd\u0103 variabil\u0103, format\u0103 din Euribor la trei luni, plus o marj\u0103 de 4%.<br \/>\nDincolo de aceste costuri standard, exist\u0103 anumite diferen\u0163e \u00eentre condi\u0163iile de creditare specifice fiec\u0103rei b\u0103nci \u2013 cum ar fi num\u0103rul de copl\u0103titori accepta\u0163i, ponderea veniturilor secundare luate \u00een considerare etc. -, fapt pentru care este recomandat un studiu atent al fiec\u0103rei oferte \u00een parte pentru a lua cea mai potrivit\u0103 decizie pentru tine.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"6_Exista_si_alternative_la_Prima_Casa\"><\/span>6. Exist\u0103 \u015fi alternative la Prima Cas\u0103?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Institu\u0163iile financiare care acord\u0103 \u00een prezent credite prin acest program au \u00een ofert\u0103 \u015fi alte tipuri de credite ipotecare. Adrian Jantea, director de Promovare \u015fi Distribu\u0163ie Persoane Fizice \u00een cadrul BRD, spune \u00eens\u0103 c\u0103 aceste oferte nu sunt \u201ealternative\u201d la Prima Cas\u0103, ci pur \u015fi simplu produse concepute pentru alte categorii de public. \u201eNu to\u0163i se afl\u0103 la Prima Cas\u0103, nu to\u0163i au o cas\u0103 mai mic\u0103 de 50 de metri p\u0103tra\u0163i. Sunt \u015fi alt gen de clien\u0163i, cu alte nevoi\u201d, subliniaz\u0103 acesta. Diferen\u0163a fundamental\u0103 \u00eentre programul Prima Cas\u0103 4 \u015fi celelalte produse ipotecare oferite de b\u0103nci \u0163ine at\u00e2t de nivelul dob\u00e2nzilor, c\u00e2t \u015fi de valoarea avansului solicitat \u2013 de minimum 10%.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"7_Care_este_riscul_de_a_nu-mi_mai_putea_plati_creditul_Ce_se_intampla_daca_ajung_in_situatia_aceasta\"><\/span>7. Care este riscul de a nu-mi mai putea pl\u0103ti creditul? Ce se \u00eent\u00e2mpl\u0103 dac\u0103 ajung \u00een situa\u0163ia aceasta?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>At\u00e2t FNGCIMM, c\u00e2t \u015fi b\u0103ncile participante la program sunt de acord cu faptul c\u0103 rata de default a creditelor Prima Cas\u0103 este mult mai redus\u0103 \u00een compara\u0163ie cu alte produse ipotecare, situ\u00e2ndu-se \u00een jurul valorii de 1%. Potrivit lui Adrian Jantea, BRD are \u00een prezent un singur caz ajuns la executare silit\u0103. Ceva mai multe situa\u0163ii de acest tip exist\u0103 \u00een cazul BCR \u2013 av\u00e2nd \u00een vedere c\u0103 \u015fi volumul de credite este mult mai mare -, \u00eens\u0103 nu este vorba de un volum \u00eengrijor\u0103tor, spune Coroianu. La r\u00e2ndul lor, reprezentan\u0163ii Alpha Bank \u015fi Millennium spun c\u0103 nu au \u00eenregistrat p\u00e2n\u0103 acum niciun caz de executare silit\u0103 a unui imobil achizi\u0163ionat prin Prima Cas\u0103.<\/p>\n<p>Reprezentan\u0163ii b\u0103ncilor participante la program recomand\u0103 actualilor \u015fi poten\u0163ialilor beneficiari ca, \u00een cazul apari\u0163iei unei situa\u0163ii de dificultate financiar\u0103, s\u0103 solicite c\u00e2t mai repede posibil ajutorul b\u0103ncii. \u201eCel mai important lucru \u00een astfel de situa\u0163ii este ca \u00een momentul \u00een care clientul ajunge sau simte c\u0103 se apropie de o perioad\u0103 de dificultate financiar\u0103 s\u0103 vin\u0103 imediat s\u0103 discute cu banca. E interesul ambelor p\u0103r\u0163i s\u0103 se g\u0103seasc\u0103 o solu\u0163ie\u201d, spune Coroianu. Printre solu\u0163iile aplicate cu predilec\u0163ie de c\u0103tre b\u0103nci \u00een asemenea situa\u0163ii se num\u0103r\u0103 am\u00e2narea pl\u0103\u0163ii dob\u00e2nzii sau ratelor pentru o anumit\u0103 perioad\u0103 (trei-\u015fase luni sau chiar mai mult) \u015fi extinderea perioadei de rambursare.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen condi\u021biile modific\u0103rii condi\u021biilor de creditare prin Prima Cas\u0103, fondurile deja eliberate pentru acordarea de \u00eemprumuturi \u00een cea de-a patra faz\u0103 a programului ar trebui s\u0103 fie suficiente pentru o perioad\u0103 de un \u015fi jum\u0103tate-doi. Dup\u0103 o a\u015fteptare prelungit\u0103, cei care doreau s\u0103 achizi\u0163ioneze o locuin\u0163\u0103 prin intermediul unui credit Prima Cas\u0103 pot r\u0103sufla acum [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":13283,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[882,321,803,886,804,294,901,1548,1360],"content_author":[],"class_list":["post-13271","post","type-post","status-publish","format-standard","has-post-thumbnail","tag-alpha-bank","tag-banci","tag-bcr","tag-brd","tag-cec-bank","tag-credite-2","tag-millennium-bank","tag-prima-casa","tag-vanzare-apartamente"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Prima Cas\u0103 4 aduce condi\u021bii mai bune pentru beneficiar dec\u00e2t p\u00e2n\u0103 acum<\/title>\n<meta name=\"description\" content=\"Pentru a-\u0163i r\u0103spunde la \u00eentreb\u0103rile legate de noua versiune a programului guvernamental, Imobiliare.ro a organizat o \u00eent\u00e2lnire special\u0103 a Clubului Profesioni\u015ftilor \u00een Imobiliare (CPI). 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