{"id":23415,"date":"2013-02-04T13:24:01","date_gmt":"2013-02-04T11:24:01","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=23415_db\/"},"modified":"2013-02-04T13:24:01","modified_gmt":"2013-02-04T11:24:01","slug":"costurile-pentru-contractarea-unui-credit-pentru-casa-la-un-minim-istoric","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/costurile-pentru-contractarea-unui-credit-pentru-casa-la-un-minim-istoric_db\/","title":{"rendered":"Costurile pentru contractarea unui credit pentru cas\u0103, la un nivel minim istoric"},"content":{"rendered":"<p><a class=\"article-body-links\"href=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2013\/02\/ceremcredit.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2013\/02\/ceremcredit-300x183.jpg\" alt=\"\" title=\"http:\/\/www.dreamstime.com\/-image13337956\" width=\"300\" height=\"183\" class=\"alignleft size-medium wp-image-23416\" \/><\/a><strong>Dob\u00e2nda Anual\u0103 Efectiv\u0103 (DAE) medie pentru un \u00eemprumut ipotecar \u00een euro este acum cu aproape o \u015feptime mai mic\u0103 dec\u00e2t anul trecut. <\/strong><\/p>\n<p>\u00cen condi\u0163iile actuale de pia\u0163\u0103, majoritatea celor care aspir\u0103 la achizi\u0163ionarea unei locuin\u0163e v\u0103d finan\u0163area prin intermediul unei b\u0103nci ca fiind scump\u0103. Potrivit unui studiu (cu r\u0103spunsuri multiple) realizat de brokerul de <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/category\/ghiduri\/credite\/\">credite<\/a> Kiwi Finance \u00een a doua jum\u0103tate a anului trecut, 72% dintre rom\u00e2ni consider\u0103 \u00eenc\u0103 ridicat costul creditului, \u00een timp ce 28% cred c\u0103 actualele costuri sunt rezonabile sau chiar sc\u0103zute. \u201cContrar percep\u0163iei generale, costurile creditelor destinate persoanelor fizice sunt la un minim istoric, cu tendin\u0163\u0103 general\u0103 de sc\u0103dere. \u00cen prezent DAE (Dob\u00e2nda Anual\u0103 Efectiv\u0103) minim\u0103 pentru un credit ipotecar \u00een euro este de 5%, iar cea medie este de 6,4%, valoare cu 1,1 puncte procentuale mai sc\u0103zut\u0103 dec\u00e2t valoarea medie \u00eenregistrat\u0103 \u00een aceea\u015fi perioad\u0103 a anului trecut, sc\u0103derea fiind generat\u0103 \u00een principal de diminuarea valorii indicelui Euribor\u201d, subliniaz\u0103 \u00eens\u0103 Anca Bidian, CEO Kiwi Finance.<\/p>\n<p><strong>Dob\u00e2nda &#8211; pe primul loc, rata lunar\u0103 &#8211; pe al doilea<\/strong><br \/>\nC\u00e2nd vine vorba de alegerea unui credit, 87% dintre participan\u0163ii la studiul derulat de companie cred c\u0103 valoarea dob\u00e2nzii este cel mai important criteriu de selec\u0163ie, \u00een vreme ce 83% dintre intervieva\u0163i pun pe locul al doilea valoarea ratei lunare, urmat\u0103 de suma de rambursat la finalul perioadei de creditare (\u00een propor\u0163ie de 79%). \u201eInteresant \u00eens\u0103 este c\u0103 pentru clien\u0163i este mai important ca b\u0103ncile s\u0103 \u00ee\u015fi respecte termenele de r\u0103spuns promise \u015fi s\u0103 comunice transparent pe parcursul analizei dosarului de credit dec\u00e2t reputa\u0163ia b\u0103ncii sau rapiditatea cu care acord\u0103 <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/category\/ghiduri\/credite\/\">credite<\/a>\u201d, noteaz\u0103 reprezentan\u0163ii Kiwi Finance.<\/p>\n<p><strong>Tot mai mul\u0163i clien\u0163i apeleaz\u0103 la brokeri de credite<\/strong><br \/>\n\u00cen ceea ce prive\u015fte sursele de informare considerate cele mai demne de \u00eencredere \u00een procesul de accesare a unui \u00eemprumut bancar, brokerii de credite de\u0163in o pondere de 85%, urma\u0163i fiind de b\u0103nci, cu 80%, dar \u015fi de internet (cu 66%). Acestea trei prezint\u0103 o \u00eencredere semnificativ mai mare dec\u00e2t mediile conven\u0163ionale de informare (rudele \u015fi prietenii, liderii de opinie, publica\u0163iile, televiziunea \u015fi materialele publicitare). \u201cEste al patrulea an consecutiv \u00een care facem acest studiu \u015fi remarc\u0103m faptul c\u0103 brokerajul de credite a devenit o op\u0163iune real\u0103 \u00een r\u00e2ndul clien\u0163ilor \u015fi c\u00e2\u015ftig\u0103 credibilitate de la un an la altul. Accesarea serviciilor de consultan\u0163\u0103, informare \u015fi asisten\u0163\u0103 pentru solu\u0163ii de creditare arat\u0103 o maturizare a pie\u0163ei, mai mult\u0103 grij\u0103 \u015fi aten\u0163ie din partea clien\u0163ilor \u00een op\u0163iunile de finan\u0163are \u015fi validarea unei industrii cu un poten\u0163ial \u00eenc\u0103 foarte mare \u00een Rom\u00e2nia\u201d, precizeaz\u0103 Anca Bidian.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dob\u00e2nda Anual\u0103 Efectiv\u0103 (DAE) medie pentru un \u00eemprumut ipotecar \u00een euro este acum cu aproape o \u015feptime mai mic\u0103 dec\u00e2t anul trecut. \u00cen condi\u0163iile actuale de pia\u0163\u0103, majoritatea celor care aspir\u0103 la achizi\u0163ionarea unei locuin\u0163e v\u0103d finan\u0163area prin intermediul unei b\u0103nci ca fiind scump\u0103. Potrivit unui studiu (cu r\u0103spunsuri multiple) realizat de brokerul de credite [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":23416,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[316],"content_author":[],"class_list":["post-23415","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","tag-credite-3"],"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>Costurile pentru contractarea unui credit pentru cas\u0103, la un nivel minim istoric - Credite - ImoExpert<\/title>\n<meta name=\"description\" content=\"Dob\u00e2nda Anual\u0103 Efectiv\u0103 (DAE) medie pentru un \u00eemprumut ipotecar \u00een euro este acum cu aproape o \u015feptime mai mic\u0103 dec\u00e2t anul trecut. \u00cen condi\u0163iile 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