{"id":18815,"date":"2012-04-18T10:00:14","date_gmt":"2012-04-18T07:00:14","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=18815_db\/"},"modified":"2012-04-18T10:00:14","modified_gmt":"2012-04-18T07:00:14","slug":"rata-la-un-credit-prima-casa-mai-mica-decat-chiria-ce-i-impiedica-pe-romani-sa-devina-proprietari","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/rata-la-un-credit-prima-casa-mai-mica-decat-chiria-ce-i-impiedica-pe-romani-sa-devina-proprietari_db\/","title":{"rendered":"Rata la un credit Prima Cas\u0103, mai mic\u0103 dec\u00e2t chiria. Ce-i \u00eempiedic\u0103 pe rom\u00e2ni s\u0103 devin\u0103 proprietari?"},"content":{"rendered":"<p><strong>Condi\u0163iile de creditare avantajoase oferite de c\u0103tre programul guvernamental fac achizi\u0163ia unei locuin\u0163e o variant\u0103 mult mai atractiv\u0103 dec\u00e2t \u00een trecut.<\/strong><\/p>\n<p>\u00centrebarea \u201eCump\u0103r sau \u00eenchiriez?\u201d este una deosebit de actual\u0103 \u00een special \u00een r\u00e2ndul tinerilor afla\u0163i la \u00eenceputul carierei \u015fi\/sau vie\u0163ii familiale. A\u015fa cum se \u00eent\u00e2mpl\u0103 de multe ori cu \u00eentreb\u0103rile aparent simple, r\u0103spunsul nu este unul prestabilit, universal. \u015ei \u00een acest caz, totul depinde de situa\u0163ia financiar\u0103 a fiec\u0103ruia, dar \u015fi de condi\u0163iile specifice existente la un moment dat \u00een pia\u0163\u0103, at\u00e2t pe segmentul v\u00e2nz\u0103rilor de locuin\u0163e, c\u00e2t \u015fi pe cel al \u00eenchirierilor. <\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2012\/04\/credit-Prima-Casa.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2012\/04\/credit-Prima-Casa-199x300.jpg\" alt=\"\" title=\"credit Prima Casa\" width=\"199\" height=\"300\" class=\"alignleft size-medium wp-image-18816\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2012\/04\/credit-Prima-Casa-199x300.jpg 199w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2012\/04\/credit-Prima-Casa.jpg 319w\" sizes=\"auto, (max-width: 199px) 100vw, 199px\" \/><\/a><strong>Rata la un apartament cu 2 camere, mai mic\u0103 de 300 de euro<\/strong><br \/>\nO compara\u0163ie concret\u0103 se poate dovedi extrem de util\u0103. S\u0103 lu\u0103m, spre exemplu, cartierul bucure\u015ftean Dristor, o zon\u0103 bine cotat\u0103 \u00een ochii poten\u0163ialilor cump\u0103r\u0103tori de locuin\u0163e datorit\u0103 accesului la mijloacele de transport \u00een comun, \u00een special la metrou. Aici, explic\u0103 Petre Bujor, consilier imobiliar \u00een cadrul agen\u0163iei Private Broker, <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente\/bucuresti\/dristor?nrcamere=2\">apartamentele<\/a> confort 1 situate la etaje intermediare din blocurile construite dup\u0103 anii 1977-1980 se tranzac\u0163ioneaz\u0103 azi cu circa 60.000 de euro, uneori pu\u0163in peste, \u00een func\u0163ie de \u00eembun\u0103t\u0103\u0163iri. Pe de alt\u0103 parte, locuin\u0163ele similare, dar care sunt amplasate la parter sau la ultimul etaj se v\u00e2nd cu circa 55.000 de euro sau ceva mai pu\u0163in. Cu alte cuvinte, rata lunar\u0103 la un credit Prima Cas\u0103 pentru achizi\u0163ia unui apartament \u00eentr-un bloc de dup\u0103 cutremur din zona Dristor variaz\u0103 undeva \u00eentre 265 de euro (pentru o locuin\u0163\u0103 situat\u0103 la parter sau ultimul etaj) \u015fi 289,15 euro pe lun\u0103 (pentru un etaj intermediar), potrivit ofertei de creditare a BRD.<\/p>\n<p><strong>Lipsa economiilor, un obstacol \u00een calea achizi\u0163iei<\/strong><br \/>\nSpre compara\u0163ie, potrivit ofertelor listate pe <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/\">www.imobiliare.ro<\/a>, cea mai mic\u0103 chirie cerut\u0103 pentru un apartament cu dou\u0103 camere situat \u00een cartierul Dristor se ridic\u0103 la 300 de euro, dar ajunge cu u\u015furin\u0163\u0103 \u015fi la 350 sau chiar 400 de euro pe lun\u0103. <strong>(Click <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/inchirieri-apartamente\/bucuresti\/dristor?id=9417843\">aici<\/a> pentru a vizualiza astfel de oferte.)<\/strong> <\/p>\n<p>\u00cen aceste condi\u0163ii, recunoa\u015fte Petre Bujor, cu siguran\u0163\u0103 este mai rentabil pentru consumatorul final s\u0103 cumpere o locuin\u0163\u0103 printr-un credit Prima Cas\u0103 dec\u00e2t s-o \u00eenchirieze. \u201eTeoretic, da, e mai rentabil s\u0103 cumperi\u201d, recunoa\u015fte \u015fi Gabriel Paraschiv, consilier imobiliar \u00een cadrul firmei Aisiel Imobiliare. Acesta din urm\u0103 precizeaz\u0103 \u00eens\u0103 c\u0103, \u00een practic\u0103, exist\u0103 o serie de situa\u0163ii specifice ce-i \u00eempiedic\u0103 pe mul\u0163i bucure\u015fteni s\u0103 treac\u0103 de la statutul de chiria\u015fi la cel de proprietari. Este vorba, pe de o parte, de cazul studen\u0163ilor sau al tinerilor care \u00eenc\u0103 nu-\u015fi permit s\u0103-\u015fi pl\u0103teasc\u0103 integral chiria, ci \u00eenchiriaz\u0103 un apartament la comun, \u00eemp\u0103r\u0163ind astfel costurile. \u00cen cazul cuplurilor stabile care locuiesc \u00een chirie, lipsa economiilor necesare pentru plata unui avans la credit este un motiv important care \u00eempiedic\u0103 luarea unei decizii de achizi\u0163ie. Nu \u00een ultimul r\u00e2nd, exist\u0103 \u015fi situa\u0163ii \u00een care, de\u015fi c\u00e2\u015ftig\u0103 suficient pentru a-\u015fi pl\u0103ti chiria \u2013 \u015fi, implicit, o rat\u0103 \u2013 veniturile unora dintre bucure\u015fteni nu sunt \u00eenregistrate sau nu sunt luate \u00een considerare de c\u0103tre b\u0103nci la calculul eligibilit\u0103\u0163ii pentru un credit.<\/p>\n<p><em><strong>Cite\u015fte \u015fi: <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/articole\/sa-cumperi-sau-sa-inchiriezi-ce-costuri-ascunse-implica-cele-doua-variante-si-ce-face-diferenta_db\/\">S\u0103 cumperi sau s\u0103 \u00eenchiriezi? Ce costuri ascunse implic\u0103 fiecare variant\u0103 \u015fi ce face diferen\u0163a<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Condi\u0163iile de creditare avantajoase oferite de c\u0103tre programul guvernamental fac achizi\u0163ia unei locuin\u0163e o variant\u0103 mult mai atractiv\u0103 dec\u00e2t \u00een trecut. \u00centrebarea \u201eCump\u0103r sau \u00eenchiriez?\u201d este una deosebit de actual\u0103 \u00een special \u00een r\u00e2ndul tinerilor afla\u0163i la \u00eenceputul carierei \u015fi\/sau vie\u0163ii familiale. A\u015fa cum se \u00eent\u00e2mpl\u0103 de multe ori cu \u00eentreb\u0103rile aparent simple, r\u0103spunsul nu [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":18816,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[1360],"content_author":[],"class_list":{"0":"post-18815","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"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>Rata la un credit Prima Cas\u0103, mai mic\u0103 dec\u00e2t chiria. Ce-i \u00eempiedic\u0103 pe rom\u00e2ni s\u0103 devin\u0103 proprietari? - ImoExpert<\/title>\n<meta name=\"description\" content=\"Condi\u0163iile de creditare avantajoase oferite de c\u0103tre programul guvernamental fac achizi\u0163ia unei locuin\u0163e o variant\u0103 mult mai atractiv\u0103 dec\u00e2t \u00een trecut.\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/rata-la-un-credit-prima-casa-mai-mica-decat-chiria-ce-i-impiedica-pe-romani-sa-devina-proprietari_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rata la un credit Prima Cas\u0103, mai mic\u0103 dec\u00e2t chiria. 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