{"id":16247,"date":"2011-12-09T13:25:35","date_gmt":"2011-12-09T11:25:35","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=16247_db\/"},"modified":"2011-12-09T13:25:35","modified_gmt":"2011-12-09T11:25:35","slug":"vrei-sa-strangi-bani-pentru-casa-cum-poti-obtine-un-bonus-de-30-la-economiile-tale","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-sa-strangi-bani-pentru-casa-cum-poti-obtine-un-bonus-de-30-la-economiile-tale_db\/","title":{"rendered":"Vrei s\u0103 str\u00e2ngi bani pentru cas\u0103? Cum po\u0163i ob\u0163ine un bonus de 30% la economiile tale"},"content":{"rendered":"<p><strong>Produsele de economisire-creditare ofer\u0103 o variant\u0103 atractiv\u0103 \u00een condi\u0163iile actuale de pia\u0163\u0103, c\u00e2nd creditele ipotecare standard s-au scumpit.<\/strong><\/p>\n<p>\u00cen contextul economic actual, tot mai mul\u0163i rom\u00e2ni \u00ee\u015fi manifest\u0103 reticen\u0163a fa\u0163\u0103 de contractarea unui <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/category\/ghiduri\/credite\/\">credit<\/a> \u00een scop locativ pe termen lung. \u00cen schimb, o bun\u0103 parte dintre ace\u015ftia arat\u0103 un interes crescut fa\u0163\u0103 de produsele de economisire-creditare oferite de b\u0103ncile pentru locuin\u0163e active pe pia\u0163a rom\u00e2neasc\u0103 \u2013 BCR Banca pentru Locuin\u0163e (BCR Bpl) \u015fi Raiffeisen Banca pentru Locuin\u0163e (RBL). <\/p>\n<p>Principiul pe care func\u0163ioneaz\u0103 acestea const\u0103 \u00een faptul c\u0103, vreme de (cel mai adesea) cinci ani, beneficiarul economise\u015fte \u00een vederea achizi\u0163iei, construc\u0163iei, renov\u0103rii sau amenaj\u0103rii unei <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente\/bucuresti?id=6410199\">locuin\u0163e<\/a>. Cel mai important avantaj oferit de produsele de gen const\u0103 \u00een prima substan\u0163ial\u0103 oferit\u0103 anual de c\u0103tre stat &#8211; 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 \u015fi dob\u00e2nda din partea b\u0103ncii. <\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/apartamente\/vrei-sa-strangi-bani-pentru-casa-cum-poti-obtine-un-bonus-de-30-la-economiile-tale_db\/investitieincasa-2\/\" rel=\"attachment wp-att-16250\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2011\/12\/investitieincasa-300x200.jpg\" alt=\"\" title=\"investitieincasa\" width=\"300\" height=\"200\" class=\"alignleft size-medium wp-image-16250\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2011\/12\/investitieincasa-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2011\/12\/investitieincasa-87x57.jpg 87w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2011\/12\/investitieincasa-65x43.jpg 65w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2011\/12\/investitieincasa.jpg 480w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><strong>Dob\u00e2nzi fixe pe perioada credit\u0103rii<\/strong><br \/>\nUn reprezentant al BCR BpL ne explic\u0103 cum func\u0163ioneaz\u0103 acest sistem: pentru a ob\u0163ine prima maxim\u0103 de la stat, un client ar trebui s\u0103 economiseasc\u0103, la un curs al euro de 4,3 lei, circa 361 de lei lunar. Dup\u0103 cinci ani, beneficiarul va fi adunat din propriile depuneri 21.660 de lei. La aceast\u0103 sum\u0103 s-ar ad\u0103uga \u00eens\u0103 at\u00e2t primele acordate de c\u0103tre stat, \u00een valoare de 5.250 de lei, c\u00e2t \u015fi dob\u00e2nda virat\u0103 de c\u0103tre banc\u0103, de 1.535 de lei (la o rat\u0103 de 3% pe an). Cu alte cuvinte, beneficiarul ar avea la sf\u00e2r\u015fit \u00een buzunar 6.589 de lei \u00een plus fa\u0163\u0103 de ce a economisit (calculul ia \u00een considerare \u015fi comisioanele oprite de c\u0103tre banc\u0103, mai pu\u0163in cel ini\u0163ial, de contractare). Aceast\u0103 sum\u0103 reprezint\u0103 aproximativ 30% din valoarea total\u0103 a investi\u0163iei sale.<\/p>\n<p>Dup\u0103 expirarea celor cinci ani, clientul poate accesa (sau nu) un <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/category\/ghiduri\/credite\/\">credit<\/a> ipotecar egal cu suma acumulat\u0103, cu o dob\u00e2nd\u0103 fix\u0103. Valoarea dob\u00e2nzilor din perioada de economisire \u015fi cea de creditare difer\u0103 \u00een func\u0163ie de tipul de produs ales. Astfel, dac\u0103 beneficiarul opteaz\u0103 pentru condi\u0163ii mai avantajoase la economisire, el prime\u015fte o dob\u00e2nd\u0103 de 3% de la ambele b\u0103nci \u00een perioada de acumulare; la credit \u00eens\u0103, dob\u00e2nda fix\u0103 este ceva mai mare, respectiv de 6%. Dac\u0103 \u00eens\u0103 clientul prefer\u0103 s\u0103 aib\u0103 condi\u0163ii mai bune la creditare, el poate alege un produs care implic\u0103 o dob\u00e2nd\u0103 de 1,5% (la RBL) sau 2% (la BCR BpL) \u00een perioada de acumulare, dar care ofer\u0103 o dob\u00e2nd\u0103 de 4,5% (la RBL) sau 5% (la BCR BpL). <\/p>\n<p><strong>Economii garantate de c\u0103tre stat \u015fi protejate de riscul valutar<\/strong><br \/>\nPotrivit Aureliei Cionga, vicepre\u015fedintele Raiffeisen Banca pentru Locuin\u0163e, un alt avantaj oferit de produsele de economisire-creditare const\u0103 \u00een faptul c\u0103, fiind \u00een lei, acestea sunt protejate de riscul valutar. \u00cen plus, economiile sunt garantate de c\u0103tre stat \u00een limita a 100.000 de euro. <\/p>\n<p>De luat \u00een calcul \u00eens\u0103 sunt \u015fi comisioanele percepute de c\u0103tre institu\u0163iile bancare: comisionul de deschidere a contractului (la BCR BpL, spre exemplu, acesta este de 1% din valoarea sumei contractate, adic\u0103 banii economisi\u0163i, plus creditul contractat), comisionul anual de gestionare a contului, comision de analiz\u0103 etc.<\/p>\n<div class=\"entry-content-inline-styles\"><strong>Cre\u015fte atractivitatea b\u0103ncilor pentru locuin\u0163e<\/strong><br \/>\nTemerile financiare \u00eei fac pe rom\u00e2ni tot mai deschi\u015fi c\u0103tre economisire, \u00een special c\u00e2nd vine vorba de investi\u0163ii de amploare pe care le au \u00een plan. \u201e\u00cen plin\u0103 criz\u0103 financiar\u0103, rom\u00e2nii con\u015ftientizeaz\u0103 din ce \u00een ce mai mult importan\u0163a economisirii; oamenii se g\u00e2ndesc la \u00abziua de m\u00e2ine\u00bb, la familie \u015fi c\u0103min \u015fi \u00ee\u015fi pl\u0103nuiesc viitorul. Deja se observ\u0103 trendul cresc\u0103tor al economisirii la nivelul \u00eentregului sistem bancar. RBL constat\u0103 acest trend la portofoliul propriu de clien\u0163i\u201d, spune Aurelia Cionga, vicepre\u015fedintele Raiffeisen Banca pentru Locuin\u0163e. <\/p>\n<p>Aceea\u015fi tendin\u0163\u0103 este semnalat\u0103 \u015fi de oficialii BCR BpL. Potrivit acestora, la finele celui de-al treilea trimestru din 2011, num\u0103rul contractelor active din portofoliul b\u0103ncii ajunsese la 250.000, fa\u0163\u0103 de doar 170.000 \u00een aceea\u015fi perioad\u0103 a anului trecut. \u201eCre\u015fterea cu peste 50% a num\u0103rului de contracte \u00eencheiate fa\u0163\u0103 de aceea\u015fi perioad\u0103 a anului trecut este chiar dovada absolut\u0103 a faptului c\u0103 sistemul de economisire-creditare devine tot mai atractiv, chiar \u00een perioad\u0103 de criz\u0103 economic\u0103. Sistemul Banca pentru Locuin\u0163e va deveni o surs\u0103 important\u0103 de finan\u0163are a sistemului locativ din Rom\u00e2nia, indiferent dac\u0103 vorbim despre lucr\u0103ri de renovare sau despre achizi\u0163ie, \u00eentruc\u00e2t rom\u00e2nii \u00een\u0163eleg repede c\u0103 trebuie s\u0103 economise\u015fti \u00eenainte s\u0103 faci o investi\u0163ie mare\u201d, adaug\u0103 Alexandru Ciobanu, pre\u015fedintele BCR BpL.\n<\/p><\/div>\n<p><em><strong>Cite\u015fte \u015fi: <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/apartamente\/romanii-mai-economi-putini-vor-sa-cumpere-o-casa-tot-mai-multi-strang-bani-pentru-renovare_db\/\">Rom\u00e2nii, mai economi: pu\u0163ini vor s\u0103 cumpere o cas\u0103, tot mai mul\u0163i str\u00e2ng bani pentru renovare<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Produsele de economisire-creditare ofer\u0103 o variant\u0103 atractiv\u0103 \u00een condi\u0163iile actuale de pia\u0163\u0103, c\u00e2nd creditele ipotecare standard s-au scumpit. \u00cen contextul economic actual, tot mai mul\u0163i rom\u00e2ni \u00ee\u015fi manifest\u0103 reticen\u0163a fa\u0163\u0103 de contractarea unui credit \u00een scop locativ pe termen lung. \u00cen schimb, o bun\u0103 parte dintre ace\u015ftia arat\u0103 un interes crescut fa\u0163\u0103 de produsele de [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":16250,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[316,1360],"content_author":[],"class_list":{"0":"post-16247","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"tag-credite-3","9":"tag-vanzare-apartamente"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Vrei s\u0103 str\u00e2ngi bani pentru cas\u0103? 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