{"id":16260,"date":"2011-12-12T16:43:25","date_gmt":"2011-12-12T14:43:25","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=16260_db\/"},"modified":"2011-12-12T16:43:25","modified_gmt":"2011-12-12T14:43:25","slug":"apartamente-vechi-degradate-si-ineficiente-energetic-cat-ar-costa-renovarea-lor","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/apartamente-vechi-degradate-si-ineficiente-energetic-cat-ar-costa-renovarea-lor_db\/","title":{"rendered":"Apartamente vechi, degradate \u015fi ineficiente energetic. C\u00e2t ar costa renovarea lor?"},"content":{"rendered":"<p><strong>Sistemul de economisre-creditare este o variant\u0103 preferat\u0103 \u00eendeosebi de rom\u00e2nii care au \u00een vedere reabilitarea sau reamenajarea locuin\u0163elor pe care le de\u0163in.<\/strong><\/p>\n<p>La nivel na\u0163ional, exist\u0103 o nevoie substan\u0163ial\u0103 de finan\u0163are a domeniului locativ, \u015fi asta nu doar pe partea de achizi\u0163ie \u015fi construc\u0163ie de locuin\u0163e, c\u00e2t \u015fi pe cea de renovare. Aceasta a fost una dintre concluziile ce au reie\u015fit \u00een urma unei mese rotunde organizate de Raiffeisen Banca pentru Locuin\u0163e (RBP), pe tema sistemului de economisire-creditare. Potrivit Aureliei Cionga, din stocul locativ al Rom\u00e2niei, ce se ridic\u0103 \u00een prezent la peste opt milioane de unit\u0103\u0163i locative, circa trei milioane sunt reprezentate de <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente\/bucuresti?id=6410199\">apartamente<\/a> \u00een blocuri construite \u00eenainte de Revolu\u0163ie. Pentru renovarea unui astfel de apartament, ar fi necesar\u0103 o sum\u0103 medie de circa 10.000 de euro. Asta \u00eenseamn\u0103 c\u0103, per total, blocurile construite \u00eenainte de Revolu\u0163ie ar avea nevoie de o finan\u0163are total\u0103 de circa 30 de miliarde de euro, estimeaz\u0103 reprezentanta RBL.<\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/apartamente\/apartamente-vechi-degradate-si-ineficiente-energetic-cat-ar-costa-renovarea-lor_db\/blocvechi-5\/\" rel=\"attachment wp-att-16261\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2011\/12\/blocvechi-200x300.jpg\" alt=\"\" title=\"blocvechi\" width=\"200\" height=\"300\" class=\"alignleft size-medium wp-image-16261\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2011\/12\/blocvechi-200x300.jpg 200w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2011\/12\/blocvechi.jpg 320w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\" \/><\/a>\u00cembun\u0103t\u0103\u0163irea condi\u0163iilor locative este, de altfel, una dintre principalele direc\u0163ii abordate de clien\u0163ii b\u0103ncilor pentru <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente\/bucuresti?id=6410199\">locuin\u0163e<\/a>. Aurelia Cionga estimeaz\u0103 c\u0103, din totalul creditelor contractate de c\u0103tre clien\u0163ii RBL, circa 70% sunt \u00een vederea moderniz\u0103rii, reabilit\u0103rii sau reamenaj\u0103rii, restul de 30% av\u00e2nd ca scop achizi\u0163ia sau construc\u0163ia unei locuin\u0163e. Ca volum \u00eens\u0103, raportul este invers, dat fiind c\u0103 cei care vor s\u0103-\u015fi cumpere sau s\u0103-\u015fi ridice o cas\u0103 au nevoie de o sum\u0103 mai mare. <\/p>\n<p><strong>Un poten\u0163ial de aproape patru ori mai mare dec\u00e2t pia\u0163a actual\u0103<\/strong><br \/>\nLa nivelul anului 2010, suma total\u0103 contractat\u0103 (contracte \u00eencheiate at\u00e2t pentru depozite, c\u00e2t pentru credite) prin intermediul sistemului de economisire-creditare a fost de 7 miliarde de lei. Pentru aceasta, bugetul alocat de c\u0103tre stat, prin intermediul MDRT, pentru plata primelor a fost (p\u00e2n\u0103 acum) de circa 81 de milioane de lei. Potrivit lui Eugen Curteanu, secretar de stat \u00een cadrul Ministerului Dezvolt\u0103rii Regionale \u015fi Turismului (MDRT), pentru anul viitor, va fi bugetat\u0103 \u00een acest scop o sum\u0103 de aproximativ 94 de milioane de lei.<\/p>\n<p>\u00cen momentul de fa\u0163\u0103, \u00een pia\u0163\u0103 exist\u0103 circa 400.000 de contracte \u00eencheiate \u00een sistemul de economisire-creditare, din care 145.000 sunt gestionate de Raiffeisen Banca pentru Locuin\u0163e. Pe viitor, pia\u0163a rom\u00e2neasc\u0103 are un poten\u0163ial de 1,5 milioane de contracte, estimeaz\u0103 Aurelia Cionga. Aceasta precizeaz\u0103 c\u0103, de\u015fi sistemul de economisire-creditare are \u00een prezent un grad de penetrare de doar 2% (dou\u0103 contracte \u00eencheiate la o sut\u0103 de locuitori), obiectivul juc\u0103torilor de profil este ca, p\u00e2n\u0103 \u00een 2015, s\u0103 se ajung\u0103 la un grad de penetrare de 10%. <\/p>\n<p><strong>Nu te \u00eentinde mai mult dec\u00e2t \u00ee\u0163i e plapuma!<\/strong><br \/>\nIonu\u0163 Dumitru, Pre\u015fedintele Asocia\u0163iei Anali\u015ftilor Financiar-Bancari din Rom\u00e2nia (AAFBR) \u015fi economist-\u015fef \u00een cadrul Raiffeisen Bank Rom\u00e2nia, subliniaz\u0103 importan\u0163a  stimul\u0103rii comportamentului de economisire \u00een r\u00e2ndul popula\u0163iei. \u201eU\u015furin\u0163a cu care s-au acordat credite \u00een ultimii ani ne-a cam luat pe to\u0163i de cap. Important e s\u0103 ne \u00eentoarcem la principiul de a nu cheltui mai mult dec\u00e2t avem \u00een buzunar \u2013 sau putem face asta, dar pe termen foarte scurt, dup\u0103 care vine obliga\u0163ia de plat\u0103\u201d, subliniaz\u0103 el. Reprezentantul Raiffeisen precizeaz\u0103 c\u0103 urmeaz\u0103 o nou\u0103 etap\u0103 economic\u0103, \u00een care resursele financiare vor fi mai scumpe \u015fi mai greu de ob\u0163inut, iar at\u00e2t popula\u0163ia, c\u00e2t \u015fi agen\u0163ii economici vor fi nevoi\u0163i s\u0103 se adapteze la noua realitate. <\/p>\n<p><em><strong>Cite\u015fte \u015fi <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\/\">Vrei s\u0103 str\u00e2ngi bani pentru cas\u0103? Cum po\u0163i ob\u0163ine un bonus de 30% la economiile tale<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sistemul de economisre-creditare este o variant\u0103 preferat\u0103 \u00eendeosebi de rom\u00e2nii care au \u00een vedere reabilitarea sau reamenajarea locuin\u0163elor pe care le de\u0163in. La nivel na\u0163ional, exist\u0103 o nevoie substan\u0163ial\u0103 de finan\u0163are a domeniului locativ, \u015fi asta nu doar pe partea de achizi\u0163ie \u015fi construc\u0163ie de locuin\u0163e, c\u00e2t \u015fi pe cea de renovare. Aceasta a fost [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":16261,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[316,1360],"content_author":[],"class_list":{"0":"post-16260","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>Apartamente vechi, degradate \u015fi ineficiente energetic. 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