<\/span><\/h2>\nAm studiat pia\u0163a aproximativ 3 s\u0103pt\u0103m\u00e2ni s\u0103 v\u0103d ce sum\u0103 e nesesar\u0103 pentru achizi\u0163ionarea unui apartament \u00een Timi\u015foara. Trebuia s\u0103 fie confort 1, \u00een jur de 50 mp, semi sau decomandat, indiferent de zon\u0103 sau etaj, dar m-a interesat ca apartamentul s\u0103 fie mare \u015fi amenajat frumos.
\nCum am spus, 3 s\u0103pt\u0103m\u00e2ni am fost cu ochii pe furnizorii de anun\u0163uri imobiliare, online \u015fi ziare, \u015fi am ajuns la concluzia c\u0103 erau necesari atunci 43.000 euro pentru un apartament pe placul meu.
\nUrm\u0103torul pas a fost s\u0103 m\u0103 duc la banca s\u0103 v\u0103d ce pot lua \u015fi cum pot lua, acolo am luat prima palma, puteam lua un credit ipotecar a\u015fa c\u0103 am optat s\u0103 fie preaprobat g\u0103sirii imobilului, adic\u0103 aveam la dispozi\u0163ie 3 luni s\u0103-mi g\u0103sesc apartamentul dup\u0103 ce mi-l aprobau; pentru a face acel scoring are nevoie de adeverin\u0163ele de salarii, semnate \u015fi \u015ftampilate de firma la care lucrez ( acela\u015fi lucru a trebuit s\u0103 \u00eel fac\u0103 \u015fi prietena mea). Nu am \u00een\u0163eles de ce, av\u00e2nd \u00een vedere ca era o simpl\u0103 simulare \u015fi astfel am pierdut aproximativ 2-3 zile p\u00e2n\u0103 am f\u0103cut am\u00e2ndoi rost de cele dou\u0103 foi \u015fi glorio\u015fi ne-am \u00eentors la banca.<\/p>\n
Am stat aproximativ o or\u0103 la discu\u0163ii cu doamna de acolo, am avut noroc s\u0103 fie o doamn\u0103 foarte de treab\u0103 \u015fi dragu\u0163\u0103 care ne-a spus absolut tot ce aveam nevoie s\u0103 afl\u0103m. Puteam s\u0103 iau maxim 27.000 de euro cu o rat\u0103 de aproximativ 190 de euro pe lun\u0103 timp de 30 de ani.<\/p>\n
Am plecat \u015fi cu lista de acte necesare (la prima vedere) pentru a ne \u00eentocmi dosarul. Aici am avut de umblat aproximativ 3 s\u0103pt\u0103m\u00e2ni pentru c\u0103 au \u00eent\u00e2rziat actele de care avea nevoie prietena mea.<\/p>\n
Dupa aceste 3 s\u0103pt\u0103m\u00e2ni m-am dus cu actele la banc\u0103 \u015fi au trimis dosarul spre analiz\u0103. \u00cen decurs de o s\u0103pt\u0103m\u00e2n\u0103 am mai fost chemat de dou\u0103 ori s\u0103 duc c\u00e2teva declara\u0163ii pe propria r\u0103spundere.
\n \u00centr-o luni am depus dosarul \u015fi 4 zile mai t\u00e2rziu era aprobat<\/strong>. Fericire mare, deschid o bere \u00een cinstea mea, statusuri la mess: Happy day, tot tac\u00e2mul.
\nNu s\u0163iam ce va veni, atunci era totul mega ok. Imediat dup\u0103 v\u0103d c\u0103 peste tot se vorbea de programul guvernamental Prima Cas\u0103 \u015fi de scumpirea apartamentelor. Nu prea imi venea s\u0103 cred, a\u015fa c\u0103 am trecut la cercetare.
\nDupa dou\u0103 zile de c\u0103utari, am constatat c\u0103 trebuia s\u0103 fi un om mega norocos s\u0103 g\u0103se\u015fti un apartament la pre\u0163ul stabilit de mine cu o lun\u0103 \u00een urm\u0103 \u015fi acelea\u015fi cerin\u0163e de la un apartament.
\nNu m-am dat b\u0103tut de la prima \u00eencercare \u015fi am continuat, am g\u0103sit pe imobiliare.ro un apartament frumos, renovat, mare, mobilat complet. Pre\u0163ul era 45.000 euro negociabil.
\nAm zis c\u0103 e prea frumos s\u0103 fie adevarat, \u00eel iau<\/strong>. L-am v\u0103zut o data de diminea\u0163\u0103 \u015fi \u00eenc\u0103 o dat\u0103 seara cu prietena mea. Am dat ok-ul proprietarului \u015fi r\u0103m\u00e2sese ca a doua zi s\u0103 ne \u00eent\u00e2lnim s\u0103 facem precontractul. Fericirea a durat jum\u0103tate de ora c\u00e2t am facut de la el p\u00e2n\u0103 la mine, pentru c\u0103 m-a sunat agentul imobiliar s\u0103-mi spun\u0103 c\u0103 proprietarul tocmai s-a r\u0103zg\u00e2ndit \u015fi-l d\u0103 cu 52.000 euro.
\nCe s\u0103 zic? A a fost aiurea, demoralizat, dezam\u0103gitor.
\nNu era vreme de pierdut a\u015fa c\u0103 a doua zi am luat-o de la cap\u0103t. Am sunat la c\u00e2teva agen\u0163ii, unele prezentau ofertele dar nu mai erau valabile, cu altele am fost s\u0103 vizionez c\u00e2teva apartamente p\u00e2n\u0103 \u00een suma stabilit\u0103. Am v\u0103zut 5 apartamente \u00een total, unele erau jalnice.
\nCiteam anun\u0163uri promi\u0163\u0103toare pe portal \u015fi c\u00e2nd ajungeam s\u0103 le v\u0103d m\u0103 cuprindea fric\u0103 atunci c\u00e2nd intram \u00een ele. S\u0103 nu mai spun de agen\u0163ii ce promiteau c\u0103 ne vedem la anumite ore \u00een anumite locuri \u015fi la ora aceea agentul avea telefonul \u00eenchis sau nu r\u0103spundea la telefon \u015fi m\u0103 deplasam degeaba.
\nAtunci am spus stop \u015fi mi-am ref\u0103cut strategia.<\/p>\n<\/span>Odat\u0103 cu Prima Cas\u0103<\/span><\/h2>\nEram pu\u0163in dezam\u0103git pentru c\u0103 eram \u00een imposibilitatea de a cump\u0103ra \u201capartamentul \u0103la\u201d care-o fi el.
\nCum to\u0163i m\u0103 \u00eentrebau atunci c\u00e2nd \u00eemi c\u0103utam apartament dac\u0103 sunt sau nu cu Prima Cas\u0103 (deja ajunsesem s\u0103 m\u0103 simt prost c\u00e2nd le spuneam c\u0103 nu) am zis s\u0103 m\u0103 duc la banc\u0103 s\u0103 v\u0103d cum st\u0103 treaba cu acea Prim\u0103 Cas\u0103.
\nM-am dus la banc\u0103, i-am spus s\u0103-mi \u00eenchid\u0103 preaprobarea, fiindca am banii dar nu am ce face cu ei, \u015fi le-am spus c\u0103 vreau \u015fi eu Prima Cas\u0103.<\/strong>
\nS-a facut din nou scoringul puteam sa iau aprox 39.000 de euro, mie imi trebuie doar 36.000 (super), rat\u0103 cu c\u00e2\u0163iva euro mai mare fa\u0163\u0103 de cea de la creditul ipotecar.
\nChiar dac\u0103 este suma mult mai mare, dob\u00e2nda e foarte mic\u0103, pu\u0163in peste 4% din acet motiv ratele sunt aproximativ egale \u015fi perioada aceea\u015fi ca la creditul ipotecar. Cu dosarul nu am mai umblat fiindc\u0103 am apelat la aceea\u015fi banca \u015fi a trebuit doar s\u0103 ne re\u00eennoim adeverintele de salariu; din nou la mine a durat o or\u0103, la ea 3 zile. De asemenea, a mai fost o cerere de f\u0103cut (\u015fi eu \u015fi ea, deci 2) la un notar, c\u0103 nu am credit ipotecar sau imobile pe numele meu sau al ei. Cererile au fost gata \u00eentr-o ora \u015fi duse la banc\u0103.
\nC\u00e2nd au fost gata actele pentru Prima Cas\u0103, m-am apucat sa-mi caut apartament radic\u00e2nd pre\u0163ul la 50.000 de euro. Cele mai multe apartamente la acest pre\u0163 le-am g\u0103sit la agen\u0163ia Hitch & Mosher \u015fi din acest motiv i-am ales pe ei.
\nAcum a fost mult mai u\u015for, mi-a trebuit s\u0103 v\u0103d dec\u00e2t dou\u0103 apartamente ca s\u0103-mi aleg unul. M-au ajutat mult imaginile s\u0103 fac sortarea locuin\u0163elor \u00eentre cele pe care avea rost s\u0103 le vizitez \u015fi cele care ie\u015feau din discu\u0163ie.
\nA doua zi dup\u0103 mas\u0103 am f\u0103cut precontractul, am dat avansul de 1000 de euro pentru 2 luni, am pl\u0103tit jum\u0103tate din comisionul de 3% conform contractului de vizionare \u015fi am dus a doua zi contractul la banc\u0103.
\n A r\u0103mas ca agentul s\u0103 se ocupe de extrasul de CF \u015fi de restul actelor necesare b\u0103ncii.<\/strong> M-am \u00een\u0163eles foarte bine cu agentul imobiliar cu care lucrez \u015fi mereu mi-a trimis mailuri sau m\u0103 suna cum g\u0103sea c\u00e2te o ofert\u0103 ce m-ar putea interesa.
\nAcum a\u015ftept s\u0103 mai fac rost de extrasul de CF de la prim\u0103rie (dureaz\u0103 3-4 zile) pentru ca dosarul s\u0103 poat\u0103 fi trimis spre analiz\u0103 la banc\u0103. Ei mi-au spus c\u0103 \u00eentr-o s\u0103pt\u0103m\u00e2n\u0103 imi dau raspunsul \u015fi apoi \u00eel trimit la fondul de garantare unde ar trebui s\u0103 stea 5 zile, dup\u0103 care s\u0103 am o promisiune de aprobare.
\nDeci 2 s\u0103pt\u0103m\u00e2ni. Dupa aceste 2 s\u0103pt\u0103m\u0103ni mai dureaza cel pu\u0163in \u00eenc\u0103 alte 2 pentru h\u00e2rtii \u015fi birocra\u0163ie.\u201d<\/p>\n<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"Daniel Tiron face parte din echipa imobiliare.ro \u015fi este unul dintre cei care vor sa \u00ee\u015fi achizi\u0163ioneze o locuin\u0163\u0103 prin programul guvernamental Prima Cas\u0103. Mai jos, el ne povestete experien\u0163ele prin care a trecut in procesul de contractare a unui credit ipotecar. \u201eTotul a pornit evident din dorin\u0163a de a-mi achizi\u0163iona un apartament. Planul am […]<\/p>\n","protected":false},"author":275,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[306],"content_author":[],"class_list":{"0":"post-1938","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"tag-articole"},"yoast_head":"\n
Creditul ipotecar \u0219i Prima Cas\u0103<\/title>\n<meta name=\"description\" content=\"Daniel Tiron face parte din echipa Imobiliare.ro \u015fi este unul dintre cei care vor sa \u00ee\u015fi achizi\u0163ioneze o locuin\u0163\u0103 prin programul guvernamental Prima Cas\u0103. El povestete experien\u0163ele prin care a trecut in procesul de contractare a unui credit ipotecar.\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/creditul-ipotecar-si-prima-casa_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Creditul ipotecar \u0219i Prima Cas\u0103\" \/>\n<meta property=\"og:description\" content=\"Daniel Tiron face parte din echipa Imobiliare.ro \u015fi este unul dintre cei care vor sa \u00ee\u015fi achizi\u0163ioneze o locuin\u0163\u0103 prin programul guvernamental Prima Cas\u0103. 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