{"id":19046,"date":"2012-05-11T13:37:51","date_gmt":"2012-05-11T10:37:51","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=19046_db\/"},"modified":"2012-05-11T13:37:51","modified_gmt":"2012-05-11T10:37:51","slug":"vrei-sa-faci-un-credit-prin-prima-casa-afla-la-ce-cheltuieli-aditionale-sa-te-astepti","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-sa-faci-un-credit-prin-prima-casa-afla-la-ce-cheltuieli-aditionale-sa-te-astepti_db\/","title":{"rendered":"Vrei s\u0103 faci un credit prin Prima Cas\u0103? Afl\u0103 la ce cheltuieli adi\u0163ionale trebuie s\u0103 te a\u015ftep\u0163i"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d10e8056a4f\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d10e8056a4f\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-sa-faci-un-credit-prin-prima-casa-afla-la-ce-cheltuieli-aditionale-sa-te-astepti_db\/#Putini_dintre_aplicantii_la_programul_guvernamental_stiu_inainte_de_a_porni_la_drum_cati_bani_vor_trebui_sa_scoata_din_buzunar_pe_langa_avans\" >Pu\u0163ini dintre aplican\u0163ii la programul guvernamental \u015ftiu, \u00eenainte de a porni la drum, c\u00e2\u0163i bani vor trebui s\u0103 scoat\u0103 din buzunar, pe l\u00e2ng\u0103 avans.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-sa-faci-un-credit-prin-prima-casa-afla-la-ce-cheltuieli-aditionale-sa-te-astepti_db\/#1_Depozitul_colateral_constituit_la_banca\" >1. Depozitul colateral constituit la banc\u0103<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-sa-faci-un-credit-prin-prima-casa-afla-la-ce-cheltuieli-aditionale-sa-te-astepti_db\/#2_Comisionul_de_049_din_valoarea_garantiei\" >2. Comisionul de 0,49% din valoarea garan\u0163iei<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-sa-faci-un-credit-prin-prima-casa-afla-la-ce-cheltuieli-aditionale-sa-te-astepti_db\/#3_Evaluarea_imobilului\" >3. Evaluarea imobilului.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-sa-faci-un-credit-prin-prima-casa-afla-la-ce-cheltuieli-aditionale-sa-te-astepti_db\/#4_Asigurarea_imobilului\" >4. Asigurarea imobilului.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-sa-faci-un-credit-prin-prima-casa-afla-la-ce-cheltuieli-aditionale-sa-te-astepti_db\/#5_Cheltuielile_notariale\" >5. Cheltuielile notariale<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Putini_dintre_aplicantii_la_programul_guvernamental_stiu_inainte_de_a_porni_la_drum_cati_bani_vor_trebui_sa_scoata_din_buzunar_pe_langa_avans\"><\/span>Pu\u0163ini dintre aplican\u0163ii la programul guvernamental \u015ftiu, \u00eenainte de a porni la drum, c\u00e2\u0163i bani vor trebui s\u0103 scoat\u0103 din buzunar, pe l\u00e2ng\u0103 avans.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Un punct forte major oferit de un credit <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/category\/ghiduri\/prima-casa\/\">Prima Cas\u0103<\/a>, mai ales dup\u0103 intrarea \u00een vigoare a noului regulament al BNR, const\u0103 \u00een avansul mic, de minimum 5%, pe care trebuie s\u0103-l pl\u0103teasc\u0103 beneficiarul. Faptul c\u0103 dispun\u00e2nd de o sum\u0103 relativ modest\u0103 de bani (2.500-3.000 de euro) pot porni \u00een c\u0103utarea unei case reprezint\u0103 adesea motivul pentru care mul\u0163i tineri se hot\u0103r\u0103sc s\u0103 fac\u0103 un astfel de \u00eemprumut.  <\/p>\n<p>Pu\u0163ini se g\u00e2ndesc \u00eens\u0103, atunci c\u00e2nd pornesc \u00eentr-un astfel de periplu, la faptul c\u0103, pe l\u00e2ng\u0103 avans, vor trebui s\u0103 mai scoat\u0103 din buzunar \u00eenc\u0103 o sum\u0103 generoas\u0103 de bani, ce va avea ca scop achitarea cheltuielilor adi\u0163ionale legate de \u00eencheierea unei tranzac\u0163ii imobiliare. De aceea este recomandat ca, \u00eenainte de a \u00eencepe s\u0103-\u0163i cau\u0163i propriu-zis o cas\u0103 \u2013 baz\u00e2ndu-te pe faptul c\u0103 dispui de banii de avans -, s\u0103 mergi mai \u00eent\u00e2i la una sau mai multe b\u0103nci \u015fi s\u0103-\u0163i faci o list\u0103 cu ce va trebui s\u0103 pl\u0103te\u015fti \u00een plus, \u00een func\u0163ie de bugetul t\u0103u. <\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2012\/05\/bugetdecasa.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2012\/05\/bugetdecasa-300x200.jpg\" alt=\"\" title=\"bugetdecasa\" width=\"300\" height=\"200\" class=\"alignleft size-medium wp-image-19047\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2012\/05\/bugetdecasa-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2012\/05\/bugetdecasa-87x57.jpg 87w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2012\/05\/bugetdecasa-65x43.jpg 65w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2012\/05\/bugetdecasa.jpg 480w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/\">www.imobiliare.ro<\/a> \u00ee\u0163i prezint\u0103, \u00een cele de mai jos, o list\u0103 a acestor costuri suplimentare, lu\u00e2nd \u00een calcul, spre exemplificare, un credit \u00een valoare de 57.000 de euro.  <\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Depozitul_colateral_constituit_la_banca\"><\/span>1. Depozitul colateral constituit la banc\u0103<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>, ce cuprinde trei rate de dob\u00e2nd\u0103 (acestea nu sunt egale, ci mai mici dec\u00e2t primele trei rate lunare, ele acoperind doar dob\u00e2nda datorat\u0103 b\u0103ncii). La Banca Rom\u00e2n\u0103 de Dezvoltare (BRD), spre exemplu, valoarea acestui depozit se ridic\u0103 la aproximativ 630 de euro pentru un \u00eemprumut de 57.000 de euro.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Comisionul_de_049_din_valoarea_garantiei\"><\/span>2. Comisionul de 0,49% din valoarea garan\u0163iei<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> c\u0103tre Fondul de Garantare a Creditelor pentru \u00centreprinderile Mici \u015fi Mijlocii (FNGCIMM). Lu\u00e2nd \u00een calcul \u00eemprumutul maxim (co)garantat de c\u0103tre stat pentru locuin\u0163ele finalizate, este vorba de o sum\u0103 de aproape 140 de euro. Comparativ cu etapele precedente ale programului guvernamental, c\u00e2nd Guvernul garanta \u00eentregul \u00eemprumut acordat de c\u0103tre banc\u0103, aceast\u0103 sum\u0103 este redus\u0103 la jum\u0103tate, dat fiind c\u0103 statul \u00eemparte acum riscul cu banca. Este bine s\u0103 \u015ftii c\u0103 acest comision c\u0103tre FNGCIMM va trebui s\u0103-l pl\u0103te\u015fti \u00een fiecare an p\u00e2n\u0103 la rambursarea creditului. Partea bun\u0103 este c\u0103 el scade gradual, odat\u0103 cu diminuarea soldului creditului. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Evaluarea_imobilului\"><\/span>3. Evaluarea imobilului.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> Majoritatea b\u0103ncilor au o list\u0103 cu evaluatori agrea\u0163i, iar unele \u00ee\u0163i permit chiar s\u0103-\u0163i alegi evaluatorul pe cont propriu. Costurile variaz\u0103, \u00een mod firesc, dar se situeaz\u0103 undeva \u00een jur de 80-100 de euro, \u00een func\u0163ie de caz. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Asigurarea_imobilului\"><\/span>4. Asigurarea imobilului.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> Pentru un credit contractat la BRD, spre exemplu, o astfel de poli\u0163\u0103 are un cost de circa 80 de euro. \u015ei asigurarea va trebui s\u0103 o pl\u0103te\u015fti \u00een fiecare an, fie integral, fie \u00een tran\u015fe, \u00een func\u0163ie de condi\u0163iile fiec\u0103rei b\u0103nci.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Cheltuielile_notariale\"><\/span>5. Cheltuielile notariale<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> c\u00e2nt\u0103resc cel mai greu \u00een bugetul de cheltuieli adi\u0163ionale pe care va trebui s\u0103 \u0163i-l faci pentru a face o achizi\u0163ie prin <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/category\/ghiduri\/prima-casa\/\">Prima Cas\u0103<\/a>. Acestea pot ajunge la circa 700 de euro sau chiar mai mult, \u00een func\u0163ie de valoarea imobilului (nu cea a tranzac\u0163iei, ci valoarea de evaluare din grila notarilor). Aceste cheltuieli includ \u00eencheierea antecontractului (ce cost\u0103, de obicei, sub 100 de euro), intabularea, precum \u015fi onorariul notarului. Este bine s\u0103 \u015ftii c\u0103 aplican\u0163ii la programul guvernamental beneficiaz\u0103 de anumite reduceri la aceste taxe notariale \u015fi s\u0103 faci uz de acestea.<\/p>\n<p><em><strong>Cite\u015fte \u015fi: <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/apartamente\/trei-ani-de-prima-casa-ce-puteai-cumpara-atunci-si-ce-ti-permiti-acum-de-60-000-de-euro_db\/\">Trei ani de Prima Cas\u0103: Ce puteai cump\u0103ra atunci \u015fi ce-\u0163i permi\u0163i acum de 60.000 de euro<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pu\u0163ini dintre aplican\u0163ii la programul guvernamental \u015ftiu, \u00eenainte de a porni la drum, c\u00e2\u0163i bani vor trebui s\u0103 scoat\u0103 din buzunar, pe l\u00e2ng\u0103 avans. Un punct forte major oferit de un credit Prima Cas\u0103, mai ales dup\u0103 intrarea \u00een vigoare a noului regulament al BNR, const\u0103 \u00een avansul mic, de minimum 5%, pe care trebuie [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":19047,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[1548],"content_author":[],"class_list":["post-19046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-prima-casa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Vrei s\u0103 faci un credit Prima Cas\u0103? 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