{"id":16723,"date":"2012-01-09T13:53:49","date_gmt":"2012-01-09T11:53:49","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=16723_db\/"},"modified":"2012-01-09T13:53:49","modified_gmt":"2012-01-09T11:53:49","slug":"bilant-prima-casa-la-trei-ani-romanii-au-luat-credite-de-aproape-2-miliarde-de-euro","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/bilant-prima-casa-la-trei-ani-romanii-au-luat-credite-de-aproape-2-miliarde-de-euro_db\/","title":{"rendered":"Bilan\u0163 Prima Cas\u0103 la trei ani: rom\u00e2nii au luat credite de aproape 2 miliarde de euro"},"content":{"rendered":"

Chiar dac\u0103 nu se aventureaz\u0103 la a-l considera salvator pentru pia\u0163\u0103, consultan\u0163ii imobiliari recunosc importan\u0163a programului guvernamental.<\/strong><\/p>\n

\u00cen ultimii trei ani de zile, programul Prima Cas\u0103<\/a> a reprezentat o porti\u0163\u0103 de sc\u0103pare pentru pia\u0163a imobiliar\u0103 autohton\u0103, o parte important\u0103 din v\u00e2nz\u0103rile pe segmentul reziden\u0163ial av\u00e2nd loc cu ajutorul unui credit garantat de c\u0103tre stat. Cum arat\u0103, \u00een momentul de fa\u0163\u0103, bilan\u0163ul tranzac\u0163iilor pe acest segment? Potrivit datelor furnizate www.imobiliare.ro de c\u0103tre Fondul Na\u0163ional de Garantare a Creditelor pentru \u00centreprinderi Mici \u015fi Mijlocii (FNGCIMM), p\u00e2n\u0103 la data de 14 decembrie a anului trecut, aproximativ 49.500 de rom\u00e2ni au contractat credite prin intermediul programului Prima Cas\u0103, acestea av\u00e2nd o valoare cumulat\u0103 de 1,975 miliarde de euro. O prim\u0103 tendin\u0163\u0103 care s-a remarcat pe parcursul ultimilor ani a fost cea de diminuare a valorii medii a garan\u0163iilor acordate, \u00een concordan\u0163\u0103 cu sc\u0103derea pre\u0163urilor pe reziden\u0163ial. Pe de alt\u0103 parte, ponderea de\u0163inut\u0103 de achizi\u0163ia de case \u00een Capital\u0103 s-a diminuat comparativ cu momentul demar\u0103rii programului.<\/p>\n

\"\"<\/a>Valoarea medie a unei garan\u0163ii, cu peste 3.000 de euro mai mic\u0103<\/strong>
\nPe parcursul anului trecut, rom\u00e2nii au accesat 18.320 de \u00eemprumuturi (co)garantate de c\u0103tre stat, cu o valoare cumulat\u0103 de 701,56 de milioane de euro. Potrivit statisticilor FNGCIMM, \u00eentre 30% \u015fi 32% dintre \u00eemprumuturi au avut ca scop achizi\u0163ia de locuin\u0163e \u00een Capital\u0103<\/a>. Valoarea medie a unei garan\u0163ii \u00een perioada men\u0163ionat\u0103 s-a ridicat la aproximativ 38.294 de euro.<\/p>\n

Cel mai prolific an pentru derularea programului Prima Cas\u0103 <\/a>a fost \u00eens\u0103 2010. Din ianuarie p\u00e2n\u0103 \u00een decembrie, statul a aprobat 20.980 de \u00eemprumuturi, acestea ridic\u00e2ndu-se la un total de 850 de milioane de euro. De data aceasta, mai pu\u0163in de 30% dintre credite au vizat cump\u0103rarea de locuin\u0163e \u00een Bucure\u015fti. Pe parcursul lui 2010, valoarea medie a unui \u00eemprumut a fost de 40.514 de euro.<\/p>\n

O evolu\u0163ie demn\u0103 de luat \u00een seam\u0103 a avut loc \u015fi \u00een 2009, dat fiind faptul c\u0103 programul a fost func\u0163ional doar \u015fase luni de zile (din care \u00een primele dou\u0103 luni lucrurile s-au mi\u015fcat mai greu). \u00cen acest r\u0103stimp, au fost aprobate 10.100 de \u00eemprumuturi, \u00een valoare total\u0103 de 424 milioane de euro. La vremea respectiv\u0103, aproximativ 35-36% dintre beneficiari au optat pentru cump\u0103rarea unei locuin\u0163e \u00een Capital\u0103. \u00cen primul an de func\u0163ionare a programului guvernamental, valoarea medie a unui credit garantat de c\u0103tre stat a fost de 41.980 de euro. <\/p>\n

Un impuls psihologic dat pie\u0163ei<\/strong>
\nCum este perceput programul Prima Cas\u0103 de c\u0103tre consultan\u0163ii imobiliari? Valentin Ilie, CEO al Coldwell Banker Affiliates of Romania, apreciaz\u0103 c\u0103, pe parcursul lui 2011, aproximativ 25% dintre tranzac\u0163iile intermediate de compania pe care o reprezint\u0103 au avut loc cu ajutorul unui astfel de credit. Chiar dac\u0103 ponderea nu a fost una majoritar\u0103, Ilie este de p\u0103rere c\u0103 aceast\u0103 ini\u0163iativ\u0103 a Guvernului a avut \u00een ultimii doi ani \u015fi jum\u0103tate o importan\u0163\u0103 mai degrab\u0103 psihologic\u0103, reprezent\u00e2nd una dintre premisele necesare pentru ca rom\u00e2nii s\u0103 se g\u00e2ndeasc\u0103 la achizi\u0163ia unei locuin\u0163e, chiar pe timp de criz\u0103. Astfel, programul a scos oamenii \u00een pia\u0163\u0103, i-a adus \u00een agen\u0163ii, i-a f\u0103cut s\u0103 mearg\u0103 la vizion\u0103ri. \u00cen plus, programul a avut \u015fi avantajul de a antrena \u015fi alt gen de tranzac\u0163ii, cum ar fi cele de upgrade de locuin\u0163\u0103, prin faptul c\u0103, de multe ori, cei care au v\u00e2ndut prin Prima Cas\u0103 s-au \u00eendreptat ulterior c\u0103tre un alt produs imobiliar.<\/p>\n

Cite\u015fte \u015fi Apartamente noi de „Prima Cas\u0103”: ce oferte exist\u0103 \u015fi ce se va \u00eent\u00e2mpla cu pre\u0163urile <\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Chiar dac\u0103 nu se aventureaz\u0103 la a-l considera salvator pentru pia\u0163\u0103, consultan\u0163ii imobiliari recunosc importan\u0163a programului guvernamental. \u00cen ultimii trei ani de zile, programul Prima Cas\u0103 a reprezentat o porti\u0163\u0103 de sc\u0103pare pentru pia\u0163a imobiliar\u0103 autohton\u0103, o parte important\u0103 din v\u00e2nz\u0103rile pe segmentul reziden\u0163ial av\u00e2nd loc cu ajutorul unui credit garantat de c\u0103tre stat. Cum […]<\/p>\n","protected":false},"author":829,"featured_media":16724,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[1548,1360],"content_author":[],"class_list":{"0":"post-16723","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"tag-prima-casa","9":"tag-vanzare-apartamente"},"yoast_head":"\nBilan\u0163 Prima Cas\u0103 la trei ani: rom\u00e2nii au luat credite de aproape 2 miliarde de euro - Credite - ImoExpert<\/title>\n<meta name=\"description\" content=\"Chiar dac\u0103 nu se aventureaz\u0103 la a-l considera salvator pentru pia\u0163\u0103, consultan\u0163ii imobiliari recunosc importan\u0163a programului guvernamental. \u00cen ultimii\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" 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