{"id":14731,"date":"2011-09-01T16:25:08","date_gmt":"2011-09-01T13:25:08","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=14731_db\/"},"modified":"2011-09-01T16:25:08","modified_gmt":"2011-09-01T13:25:08","slug":"sa-cumperi-sau-sa-inchiriezi-ce-costuri-ascunse-implica-cele-doua-variante-si-ce-face-diferenta","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/sa-cumperi-sau-sa-inchiriezi-ce-costuri-ascunse-implica-cele-doua-variante-si-ce-face-diferenta_db\/","title":{"rendered":"S\u0103 cumperi sau s\u0103 \u00eenchiriezi? Ce costuri ascunse implic\u0103 cele dou\u0103 variante \u015fi ce face diferen\u0163a"},"content":{"rendered":"

\u00cen momentul de fa\u0163\u0103, rata la un credit Prima Cas\u0103 este similar\u0103 cu valoarea chiriei. Pu\u0163ini se g\u00e2ndesc \u00eens\u0103 \u015fi la cheltuielile adi\u0163ionale acestor dou\u0103 elemente.<\/strong><\/p>\n

Atunci c\u00e2nd iau \u00een calcul cump\u0103rarea unei locuin\u0163e, cei mai mul\u0163i poten\u0163iali cump\u0103r\u0103tori \u00ee\u015fi pun o \u00eentrebare fireasc\u0103: este achizi\u0163ia o variant\u0103 mai rentabil\u0103 dec\u00e2t \u00eenchirierea, pe termen lung? O \u00eentrebare ce poate avea r\u0103spunsuri diferite \u00een func\u0163ie de nevoile specifice ale fiec\u0103rui client \u00een parte. imobiliare.ro \u00ee\u015fi propune \u00eens\u0103, \u00een colaborare cu efin.ro, s\u0103 fac\u0103 o compara\u0163ie financiar\u0103 pe termen mediu a celor dou\u0103 op\u0163iuni, care s\u0103 fie util\u0103 tuturor acelora care se confrunt\u0103 cu o astfel de alegere.<\/p>\n

\"\"<\/a><\/strong>Dob\u00e2nzi mai mici dec\u00e2t \u00een 2008<\/strong><\/p>\n

\u00cen momentul de fa\u0163\u0103, exist\u0103 un motiv invocat pe bun\u0103 dreptate de c\u0103tre sus\u0163in\u0103torii variantei de a achizi\u0163iona o locuin\u0163\u0103 \u00een loc de a o \u00eenchiria. Este vorba de faptul c\u0103, fa\u0163\u0103 de perioada dinainte de criz\u0103, creditele ipotecare au acum costuri mai reduse, dob\u00e2nzile situ\u00e2ndu-se la un nivel sensibil mai mic. \u201e\u00cen acest moment, creditele imobiliare \u015fi ipotecare sunt, \u00een mod paradoxal poate, mai accesibile dec\u00e2t \u00een perioada de dinainte de criz\u0103. Rata medie a dob\u00e2nzii la creditele ipotecare \u015fi imobiliare \u00een euro a sc\u0103zut fa\u0163\u0103 de perioada anterioar\u0103, \u0163in\u00e2nd cont de sc\u0103derea Euribor \u00een ultimii ani\u201d, subliniaz\u0103 Drago\u015f Cabat, pre\u015fedintele efin.ro. A\u015fa se face c\u0103, \u00een prezent, rata la banc\u0103 pentru un apartament se situeaz\u0103 la aproximativ acela\u015fi nivel cu valoarea chiriei pentru o locuin\u0163\u0103 similar\u0103, cu diferen\u0163e infime, de doar c\u00e2teva zeci de euro.<\/p>\n

Astfel, potrivit datelor www.imobiliare.ro, un apartament vechi cu dou\u0103 camere din Militari, cu o suprafa\u0163\u0103 de circa 53 de metri p\u0103tra\u0163i, poate fi \u00eenchiriat azi, \u00een medie, cu 297 de euro. Pe de alt\u0103 parte \u00eens\u0103, \u00een condi\u0163iile \u00een care pre\u0163ul mediu cerut pentru o locuin\u0163\u0103 similar\u0103 ar fi de 55.000 de euro, rata lunar\u0103 pentru un credit ipotecar Prima Cas\u0103 ar ajunge la 296,3 euro, dup\u0103 cum rezult\u0103 din calculele efin.ro \u2013 pentru un \u00eemprumut efectiv de 52.250 de euro \u015fi avans de 2.750 de euro. De asemenea, pentru un apartament nou situat \u00een aceea\u015fi zon\u0103, rata lunar\u0103 pentru un credit Prima Cas\u0103 s-ar ridica la 323,2 euro pe lun\u0103 – la un pre\u0163 mediu de achizi\u0163ie de 63.000 de euro, \u00eemprumutul efectiv ar fi de 57.000 de euro, iar avansul de 6.000 de euro. Pentru o locuin\u0163\u0103 similar\u0103, chiria ar fi doar u\u015for mai ridicat\u0103, de 343 de euro pe lun\u0103.<\/p>\n

Cheltuielile suplimentare, demne de luat \u00een seam\u0103<\/strong>
\nO simpl\u0103 compara\u0163ie a valorii ratei \u015fi a chiriei lunare pentru apartamente similare nu este \u00eens\u0103 suficient\u0103 pentru a trage o concluzie realist\u0103 cu privire la rentabilitatea fiec\u0103reia dintre cele dou\u0103 op\u0163iuni. Asta pentru c\u0103 at\u00e2t varianta \u00eenchirierii, c\u00e2t \u015fi cea a achizi\u0163iei unei locuin\u0163e presupun o serie de costuri adi\u0163ionale pentru beneficiar, acestea f\u0103c\u00e2nd de fapt diferen\u0163a, pe termen lung. Mai jos po\u0163i vedea un calcul detaliat al costurilor implicate de de\u0163inerea \u015fi \u00eenchirierea unei locuin\u0163e \u00een condi\u0163iile actuale de pia\u0163\u0103, at\u00e2t pe segmentul apartamentelor vechi, c\u00e2t \u015fi pe cel al locuin\u0163elor noi. (Calculele au fost f\u0103cute lu\u00e2nd \u00een considerare men\u0163inerea unui raport relativ constant \u00eentre valoarea ratei \u015fi a chiriei, fapt pentru care nu au fost luate \u00een considerare eventualele major\u0103ri ale celor dou\u0103).<\/p>\n

\"\"<\/a><\/p>\n

 <\/p>\n

\"\"<\/a><\/p>\n

 <\/p>\n

Un cump\u0103r\u0103tor trebuie s\u0103 pl\u0103teasc\u0103 15.000-18.000 de euro \u00een plus \u00een primul an<\/strong>
\nPentru un apartament vechi cu dou\u0103 camere, \u00een cartierul Militari din Capital\u0103, ratele cumulate pe care un cump\u0103r\u0103tor ar trebui s\u0103 le p\u0103teasc\u0103 \u00een primul an (pentru un pre\u0163 de achizi\u0163ie de 55.000 de euro) s-ar ridica la un total de 3.556 de euro. Acest nivel este perfect comparabil cu valoarea de 3.564 de euro, c\u00e2t ar fi chiria anual\u0103 pentru un apartament similar. Diferen\u0163a este c\u0103, \u00een cazul achizi\u0163iei unei locuin\u0163e, cump\u0103r\u0103torul mai trebuie s\u0103 suporte o serie de costuri suplimentare, cum ar fi avansul \u015fi alte cheltuieli implicate de \u00eencheierea unei tranzac\u0163ii, apoi mobilarea \u015fi dotarea locuin\u0163ei (\u00een exemplul de mai jos s-a luat \u00een calcul un buget estimativ de 10.000 de euro), \u00eentre\u0163inerea, impozitul pe proprietate, eventualele repara\u0163ii\/renov\u0103ri. Toate acestea fac ca bugetul de care ar trebui s\u0103 dispun\u0103 cump\u0103r\u0103torul unui apartament vechi \u00een anul achizi\u0163iei s\u0103 urce p\u00e2n\u0103 la aproximativ 21.066 de euro. Spre compara\u0163ie, \u00een cazul \u00eenchirierii, un client ar trebui s\u0103 pl\u0103teasc\u0103, pe l\u00e2ng\u0103 chirie, doar garan\u0163ia, comisionul c\u0103tre un broker imobiliar, iar apoi \u00eentre\u0163inerea. Astfel, cheltuielile pentru primul an de \u00eenchiriere ar urca la 5.310 euro. La o privire aruncat\u0103 asupra celor dou\u0103 variante, reiese c\u0103, \u00een primul an, un locuitor al Capitalei ar economisi 15.756 de euro dac\u0103 ar alege s\u0103 locuiasc\u0103 \u00een chirie \u015fi nu \u015fi-ar cump\u0103ra propria locuin\u0163\u0103.<\/p>\n

Diferen\u0163a \u00eentre cele dou\u0103 variante se \u00eengusteaz\u0103 \u00een urm\u0103torii cinci ani, dar r\u0103m\u00e2ne totu\u015fi valabil\u0103. Astfel, cheltuielile anuale pentru proprietarul unui apartament \u00een Militari s-ar ridica la circa 4.811 euro, \u00een vreme ce un chiria\u015f ar trebui s\u0103 scoat\u0103 din buzunar doar 4.269 de euro, economisind astfel 542 de euro anual.<\/p>\n

 <\/p>\n

\"\"<\/a><\/p>\n

 <\/p>\n

\"\"<\/a>Acela\u015fi ra\u0163ionament poate fi aplicat \u015fi pe segmentul apartamentelor noi. \u00cen primul an, cump\u0103r\u0103torul unei locuin\u0163e cu dou\u0103 camere \u00een Militari (pre\u0163 de achizi\u0163ie 63.000 de euro) ar trebui s\u0103 pl\u0103teasc\u0103 24.310 euro, \u00een vreme ce un chiria\u015f ar avea cheltuieli de doar 6.021 de euro. Economia rezultat\u0103 prin \u00eenchiriere ar fi de 18.289 de euro. \u00cen urm\u0103torii cinci ani, proprietarul unui apartament nou ar trebui s\u0103 mai scoat\u0103 din buzunar 5.135 de euro anual, \u00een vreme ce un chiria\u015f ar avea de plat\u0103 4.821 de euro, rezult\u00e2nd astfel o economie anual\u0103 de 314 euro.<\/p>\n

 <\/p>\n

Sc\u0103deri similare la pre\u0163uri \u015fi chirii din 2008 \u00eencoace<\/strong>
\nUn argument folosit adesea \u00een favoarea achizi\u0163iei unei locuin\u0163e \u00een actualele condi\u0163ii de pia\u0163\u0103 const\u0103 \u00een sc\u0103derea semnificativ\u0103 a pre\u0163urilor \u00eenregistrat\u0103 \u00een cei mai bine de trei ani de criz\u0103. F\u0103c\u00e2nd \u00eens\u0103 o compara\u0163ie cu segmentul \u00eenchirierilor, putem observa \u00eens\u0103 c\u0103 declinul a fost aproximativ acela\u015fi, astfel \u00eenc\u00e2t, practic, nu se poate spune c\u0103 azi cump\u0103rarea unei locuin\u0163e este mai rentabil\u0103 dec\u00e2t \u00eenainte de criz\u0103 doar datorit\u0103 sc\u0103derii pre\u0163urilor. Potrivit datelor www.imobiliare.ro, pre\u0163ul mediu cerut pentru un apartament vechi cu dou\u0103 camere \u00een cartierul Militari a sc\u0103zut cu circa 40% din martie 2008 p\u00e2n\u0103 \u00een iulie 2011, de la aproximativ 93.000 de euro, p\u00e2n\u0103 la 55.000 de euro. Spre compara\u0163ie, chiria medie practicat\u0103 pentru un apartament similar a sc\u0103zut tot cu o marj\u0103 de aproximativ 40%, de la 497 de euro \u00een 2008, la 297 de euro \u00een prezent. Aceea\u015fi situa\u0163ie poate fi observat\u0103 \u015fi pe segmentul apartamentelor noi. Astfel, o locuin\u0163\u0103 cu dou\u0103 camere dintr-un bloc nou-construit s-a ieftinit din prim\u0103vara lui 2008 \u00eencoace cu aproximativ 30%, de la aproape 90.000 de euro la circa 63.000 de euro \u00een prezent. Pe de alt\u0103 parte, chiria medie practicat\u0103 pentru un astfel de apartament s-a diminuat cu aproximativ 31%, de la 501 euro, la 343 euro. <\/div>\n","protected":false},"excerpt":{"rendered":"

\u00cen momentul de fa\u0163\u0103, rata la un credit Prima Cas\u0103 este similar\u0103 cu valoarea chiriei. Pu\u0163ini se g\u00e2ndesc \u00eens\u0103 \u015fi la cheltuielile adi\u0163ionale acestor dou\u0103 elemente. Atunci c\u00e2nd iau \u00een calcul cump\u0103rarea unei locuin\u0163e, cei mai mul\u0163i poten\u0163iali cump\u0103r\u0103tori \u00ee\u015fi pun o \u00eentrebare fireasc\u0103: este achizi\u0163ia o variant\u0103 mai rentabil\u0103 dec\u00e2t \u00eenchirierea, pe termen lung? […]<\/p>\n","protected":false},"author":829,"featured_media":14735,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[306],"content_author":[],"class_list":["post-14731","post","type-post","status-publish","format-standard","has-post-thumbnail","category-stiri","tag-articole"],"yoast_head":"\nS\u0103 cumperi sau s\u0103 \u00eenchiriezi? 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