{"id":22837,"date":"2013-01-07T09:50:31","date_gmt":"2013-01-07T07:50:31","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=22837_db\/"},"modified":"2013-01-07T09:50:31","modified_gmt":"2013-01-07T07:50:31","slug":"5-ani-de-criza-in-imobiliare-impactul-asupra-preturilor-si-cererii-de-creditare","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/5-ani-de-criza-in-imobiliare-impactul-asupra-preturilor-si-cererii-de-creditare_db\/","title":{"rendered":"5 ani de criz\u0103 \u00een imobiliare: impactul asupra pre\u0163urilor \u015fi cererii de creditare"},"content":{"rendered":"

Spre deosebire de primii trei ani de recesiune, c\u00e2nd locuin\u0163ele s-au ieftinit \u00eentr-un ritm alert, 2011 \u015fi 2012 au fost caracteriza\u0163i de o temperare evident\u0103 a declinului.<\/strong><\/p>\n

\u00cen cei aproape cinci ani de criz\u0103, puterea de cump\u0103rare a rom\u00e2nilor a sc\u0103zut de la an la an. Pe pia\u0163a imobiliar\u0103, acest fapt s-a resim\u0163it din plin, at\u00e2t asupra valorii de achizi\u0163ie a locuin\u0163elor, c\u00e2t \u015fi asupra comportamentului consumatorului \u00een materie de creditare. Pe baza Indicelui Imobiliare.ro<\/a> \u015fi a datelor puse la dispozi\u0163ie de platforma proprie Analize Imobiliare<\/a>, www.imobiliare.ro<\/a><\/strong> analizeaz\u0103 modific\u0103rile suferite de pre\u0163urile apartamentelor, pe de o parte, \u015fi de cererea de credite, pe de alt\u0103 parte.<\/p>\n

\"\"<\/a>Sc\u0103dere temperat\u0103 \u00een 2011 \u015fi 2012<\/strong>
\nFa\u0163\u0103 de momentul de v\u00e2rf al pie\u0163ei imobiliare \u2013 luna martie 2008 -, pre\u0163urile apartamentelor<\/a> la nivel na\u0163ional au sc\u0103zut cu circa 52% p\u00e2n\u0103 la sf\u00e2r\u015fitul lui 2012, potrivit datelor furnizate de platforma Analize Imobiliare. Indicele Imobiliare.ro calculat la nivel na\u0163ional a sc\u0103zut de la o valoare maxim\u0103 de 2.058 de euro pe metru p\u0103trat util, p\u00e2n\u0103 la 986 de euro pe metru p\u0103trat util, la finele anului trecut. La nivel de Bucure\u015fti, declinul a fost ceva mai mic (respectiv 49,6%) – de la un apogeu de 2.264 de euro pe metru p\u0103trat, p\u00e2n\u0103 la 1.142 de euro pe metru p\u0103trat \u00een luna decembrie a anului trecut. De remarcat este faptul c\u0103, spre deosebire de primii trei ani de criz\u0103, c\u00e2nd pre\u0163urile locuin\u0163elor au sc\u0103zut \u00eentr-un ritm deosebit de alert, ultimii doi ani au fost caracteriza\u0163i de o evident\u0103 temperare a declinului. <\/p>\n

Pr\u0103bu\u015firea imobiliarelor a \u00eenceput cu un an mai devreme<\/strong>
\nInteresant este c\u0103, pe parcursul ultimilor ani, sc\u0103derea pre\u0163urilor apartamentelor a precedat-o pe cea a economiei \u015fi a fost semnificativ mai abrupt\u0103 dec\u00e2t aceasta. Astfel, 2008, anul \u00een care locuin\u0163ele s-au depreciat cel mai mult (24,8%), nici nu a fost propriu-zis unul de criz\u0103, economic vorbind: potrivit datelor Institutului Na\u0163ional de Statistic\u0103 (INS), Produsul Intern Brut (PIB) a crescut atunci cu 7,3%. Aceast\u0103 discrepan\u0163\u0103 este explicat\u0103 prin evolu\u0163ia pozitiv\u0103 a sectorului construc\u0163iilor, pentru care 2008 a fost de fapt un an de boom \u2013 atunci a fost atins apogeul livr\u0103rilor de locuin\u0163e la nivel na\u0163ional, respectiv 67.255 de unit\u0103\u0163i locative, cu 42% mai mult dec\u00e2t \u00een anul precedent. <\/p>\n

\u00cen 2009 \u00eens\u0103, primul an de criz\u0103 pentru construc\u0163ii, economia rom\u00e2neasc\u0103 a \u00eenregistrat un recul similar cu avansul din anul precedent: 7,1%. Locuin\u0163ele \u015fi-au continuat \u015fi ele trendul puternic descendent, cu un minus de 20,6% la 12 luni. \u00cen anul urm\u0103tor, sc\u0103derea PIB a fost mult mai temperat\u0103 – de 1,3% -, \u00eens\u0103 m\u0103surile de austeritate impuse de c\u0103tre Guvern s-au resim\u0163it din plin \u00een buzunarele rom\u00e2nilor \u015fi, implicit, asupra pre\u0163urilor din imobiliare. A\u015fa se explic\u0103 faptul c\u0103 apartamentele au continuat s\u0103 se ieftineasc\u0103 sim\u0163itor, cu 15,6%, \u00een medie.<\/p>\n

Anul 2011 a marcat intrarea economiei na\u0163ionale pe un trend cresc\u0103tor \u2013 datorit\u0103 unui avans de 1,5%, fapt ce s-a tradus \u015fi printr-o temperare a sc\u0103derilor din pia\u0163a imobiliar\u0103: pe parcursul lui 2011 apartamentele la nivel na\u0163ional s-au ieftinit cu aproximativ 4% fa\u0163\u0103 de anul anterior. \u00cen mod similar, tendin\u0163a de stabilizare resim\u0163it\u0103 anul trecut la nivel macroeconomic \u2013 o cre\u015ftere de 1% a PIB \u2013 a fost vizibil\u0103 \u015fi \u00een ceea ce prive\u015fte evolu\u0163ia pre\u0163urilor: \u00een 2012, locuin\u0163ele din \u00eentreaga \u0163ar\u0103 s-au depreciat cu doar 0,5% – de la 991 la 986 de euro pe metru p\u0103trat util. <\/p>\n

Prima Cas\u0103 nu a compensat sc\u0103derea puterii de cump\u0103rare<\/strong>
\nEste clar c\u0103, \u00een ultimii ani, evolu\u0163ia descendent\u0103 a economiei a avut un puternic impact asupra puterii de cump\u0103rare a popula\u0163iei. Acest fapt este dovedit \u015fi de diminuarea sumelor \u00eemprumutate de la b\u0103nci pentru achizi\u0163ia de locuin\u0163e. Din anul de demarare a programului Prima Cas\u0103, valoarea medie a unei garan\u0163ii a sc\u0103zut constant: de la 41.574 de euro \u00een 2009, la 40.133 de euro \u00een 2010, la 39.115 euro \u00een 2011 \u015fi la circa 37.500 de euro \u00een cadrul celei de-a patra etape a programului.<\/p>\n

O alt\u0103 dovad\u0103 clar\u0103 a sc\u0103derii puterii de cump\u0103rare a popula\u0163iei este faptul c\u0103, \u00een ultimii c\u00e2\u0163iva ani, sectorul credit\u0103rii pentru locuin\u0163e a fost sus\u0163inut \u00een propor\u0163ie cov\u00e2r\u015fitoare de programul Prima Cas\u0103<\/a>. Astfel, potrivit datelor transmise de Fondul Na\u0163ional de Garantare a Creditelor pentru \u00centreprinderi Mici \u015fi Mijlocii (FNGCIMM), p\u00e2n\u0103 la finele lunii octombrie a anului trecut prin programul de stat fuseser\u0103 acordate circa 74.000 de garan\u0163ii, cu o valoare total\u0103 de 2,9 miliarde de euro. Interesant este c\u0103, potrivit datelor statistice ale B\u0103ncii Na\u0163ionale a Rom\u00e2niei (BNR), aceast\u0103 sum\u0103 este foarte apropiat\u0103 de volumul tuturor creditelor pentru locuin\u0163e contractate \u00een aceea\u015fi perioad\u0103. Astfel, dac\u0103 la \u00eenceputul lunii iulie 2009 soldul creditelor pentru locuin\u0163e la nivel na\u0163ional se ridica la circa 5,328 miliarde de euro, la finele lui octombrie 2012 acest indicator ajunsese la aproximativ 8,249 miliarde de euro, respectiv cu 2,921 miliarde de euro mai mult dec\u00e2t \u00eenainte de demararea programului Prima Cas\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"

Spre deosebire de primii trei ani de recesiune, c\u00e2nd locuin\u0163ele s-au ieftinit \u00eentr-un ritm alert, 2011 \u015fi 2012 au fost caracteriza\u0163i de o temperare evident\u0103 a declinului. \u00cen cei aproape cinci ani de criz\u0103, puterea de cump\u0103rare a rom\u00e2nilor a sc\u0103zut de la an la an. Pe pia\u0163a imobiliar\u0103, acest fapt s-a resim\u0163it din plin, […]<\/p>\n","protected":false},"author":829,"featured_media":22838,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[794,299,1548,1360],"content_author":[],"class_list":["post-22837","post","type-post","status-publish","format-standard","has-post-thumbnail","category-stiri","tag-analize-imobiliare","tag-indicele-imobiliare-ro","tag-prima-casa","tag-vanzare-apartamente"],"yoast_head":"\n5 ani de criz\u0103 \u00een imobiliare: impactul asupra pre\u0163urilor \u015fi cererii de creditare - \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Spre deosebire de primii trei ani de recesiune, c\u00e2nd locuin\u0163ele s-au ieftinit \u00eentr-un ritm alert, 2011 \u015fi 2012 au fost caracteriza\u0163i de o temperare\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" 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