{"id":24124,"date":"2013-03-14T13:21:17","date_gmt":"2013-03-14T11:21:17","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=24124_db\/"},"modified":"2013-03-14T13:21:17","modified_gmt":"2013-03-14T11:21:17","slug":"vrei-sa-ti-cumperi-o-casa-ce-tip-de-credit-e-mai-avantajos","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-sa-ti-cumperi-o-casa-ce-tip-de-credit-e-mai-avantajos_db\/","title":{"rendered":"Vrei s\u0103-\u0163i cumperi o cas\u0103? Ce tip de credit e mai avantajos"},"content":{"rendered":"

Avantajele \u015fi dezavantajele unui anumit produs bancar trebuie c\u00e2nt\u0103rite cu aten\u0163ie, \u00een func\u0163ie de situa\u0163ia fiec\u0103rui client \u00een parte.<\/strong><\/p>\n

Atunci c\u00e2nd vine vorba despre achizi\u0163ia unei case prin credit<\/a> ipotecar, majoritatea poten\u0163ialilor cump\u0103r\u0103tori se g\u00e2ndesc automat la programul Prima Cas\u0103. La o analiz\u0103 mai atent\u0103 a costurilor unei astfel de finan\u0163\u0103ri bancare, reiese \u00eens\u0103 c\u0103 nu \u00eentotdeauna aceast\u0103 variant\u0103 este \u015fi cea mai rentabil\u0103. <\/p>\n

\"\"<\/a>Potrivit datelor brokerului de credite Kiwi Finance, \u00een momentul de fa\u0163\u0103 nivelul Dob\u00e2nzii Anuale Efective (DAE) pentru un credit ipotecar \u00een euro de tip standard se \u00eencadreaz\u0103 \u00eentre un prag minim de 5,03% (medie calculat\u0103 pe baza celor mai bune trei-patru oferte ale b\u0103ncilor) \u015fi unul maxim de 7,27% (medie calculat\u0103 pe baza celor mai scumpe trei-patru oferte ale b\u0103ncilor). \u00cen exemplul de fa\u0163\u0103, se ia calcul o sum\u0103 de 50.000 de euro contractat\u0103 pe o perioad\u0103 de 25 de ani. <\/p>\n

F\u0103c\u00e2nd o compara\u0163ie cu un credit similar (50.000 de euro, pe 25 de ani) contractat \u00eens\u0103 prin intermediul programului Prima Cas\u0103, reiese c\u0103 dob\u00e2nda practicat\u0103 pentru un astfel de credit variaz\u0103 \u00eentre un minimum de 4,71% \u015fi un maximum de 4,85% (ambele procente reprezint\u0103 valori medii ale celor mai bune \u015fi celor mai scumpe oferte din pia\u0163\u0103), potrivit conso.ro<\/a>. Banca cu cea mai bun\u0103 ofert\u0103 pe acest segment este \u00een momentul de fa\u0163\u0103 Alpha Bank, cu un DAE de 4,71%. <\/p>\n

Avansul mic, principalul avantaj la Prima Cas\u0103<\/strong>
\nAceste date arat\u0103 c\u0103, pentru \u00eemprumuturile \u00een euro, b\u0103ncile au oferte comparabile cu Prima Cas\u0103. Avantajul major al programului guvernamental nu mai este ast\u0103zi neap\u0103rat dob\u00e2nda sc\u0103zut\u0103, c\u00e2t, mai ales, avansul mic solicitat de c\u0103tre b\u0103nci \u2013 5%, fa\u0163\u0103 de 25%, \u00een cazul creditelor<\/a> ipotecare standard. Anca Bidian, CEO Kiwi Finance, precizeaz\u0103 c\u0103, \u00een acest context, pentru clien\u0163ii care dispun de un avans suficient, recomandarea este de a se \u00eendrepta spre un credit ipotecar standard mai degrab\u0103 dec\u00e2t spre unul co-garantat de c\u0103tre stat. Asta pentru c\u0103 un avantaj semnificativ al celor dint\u00e2i const\u0103 \u00een eliminarea restric\u0163iilor impuse de programul guvernamental – cum ar fi limita maxim\u0103 de finan\u0163are, interdic\u0163ia de \u00eenstr\u0103inare a locuin\u0163ei timp de cinci ani de la achizi\u0163ie, necesitatea ob\u0163inerii acordului statului pentru lucr\u0103ri de modificare la apartament etc.<\/p>\n

\u00cen moneda na\u0163ional\u0103, ipotecarele standard sunt mai ieftine<\/strong>
\nPe de alt\u0103 parte, dac\u0103 e\u015fti interesat de contractarea unui credit \u00een moneda na\u0163ional\u0103, datele Kiwi Finance arat\u0103 c\u0103, pentru o sum\u0103 de 50.000 de euro (echivalent lei) contractat\u0103 pe o perioad\u0103 de 25 de ani, nivelul DAE este cuprins \u00eentre 7,7% \u015fi 11,52%. Pentru un credit Prima Cas\u0103 \u00een lei, dob\u00e2nda anual\u0103 consemneaz\u0103 o valoare minim\u0103 cu un punct procentual mai ridicat\u0103 fa\u0163\u0103 de ipotecarele standard, respectiv 8,7%, \u00een vreme ce nivelul maxim, de 9,3% pe an, se men\u0163ine mult sub pragul atins de produsele clasice ale finan\u0163atorilor. B\u0103ncile cu cele mai bune oferte la lei pentru Prima Cas\u0103 sunt acum Bancpost \u015fi BRD, ambele cu un DAE de 8,67%. <\/p>\n

Cu alte cuvinte, dac\u0103 vrei s\u0103 iei un credit \u00een lei, este mai indicat s\u0103 te \u00eendrep\u0163i spre creditele ipotecare standard dec\u00e2t spre cele de tip Prima Cas\u0103 \u2013 at\u00e2t timp c\u00e2t te men\u0163ii \u00een plaja celor mai accesibile produse, bine\u00een\u0163eles. \u201eSunt clien\u0163i care nu ne cred, dar exist\u0103 oferte \u00een pia\u0163\u0103 mai ieftine dec\u00e2t Prima Cas\u0103\u201d, spune Anca Bidian. <\/p>\n

500 de lei \u00een plus pe lun\u0103<\/strong>
\n\u00cen ceea ce prive\u015fte moneda pentru care ar trebui s\u0103 optezi, sunt cunoscute recomand\u0103rile B\u0103ncii Na\u0163ionale a Rom\u00e2niei (BNR) de a contracta \u00eemprumuturi \u00een lei, pentru a elimina astfel riscul valutar din ecua\u0163ia ramburs\u0103rii creditului. Calculele arat\u0103 \u00eens\u0103 c\u0103 o asemenea mutare are un pre\u0163 \u00eenc\u0103 ridicat. Pentru un credit de 50.000 de euro de tip Prima Cas\u0103<\/a>, rata lunar\u0103 la Alpha Bank este de 269,8 euro (respectiv 1.179,2 RON). Pe de alt\u0103 parte, pentru un \u00eemprumut similar contractat \u00een moneda na\u0163ional\u0103, rata la BRD este de 1.672,9 RON. <\/p>\n

Astfel, pentru un credit \u00een lei, beneficiarul trebuie s\u0103 scoat\u0103 din buzunar aproape 500 de lei \u00een plus \u00een fiecare lun\u0103. \u201eRiscul valutar este totu\u015fi acoperit de o diferen\u0163\u0103 destul de mare at\u00e2t la rat\u0103, c\u00e2t \u015fi la suma total\u0103 de rambursat. \u00cen plus, \u015fi ROBOR-ul are varia\u0163iile lui, care nu sunt tocmai liniare, astfel \u00eenc\u00e2t \u015fi un credit \u00een lei are asociat acest risc… monetar\u201d, noteaz\u0103 Anca Bidian. Aceasta precizeaz\u0103 c\u0103, pe l\u00e2ng\u0103 faptul c\u0103 trebuie s\u0103 ia un credit mai scump, o familie care s\u0103 dore\u015fte s\u0103 acceseze un \u00eemprumut \u00een lei trebuie s\u0103 aib\u0103 \u015fi un venit cu circa 20% mai mare.<\/p>\n","protected":false},"excerpt":{"rendered":"

Avantajele \u015fi dezavantajele unui anumit produs bancar trebuie c\u00e2nt\u0103rite cu aten\u0163ie, \u00een func\u0163ie de situa\u0163ia fiec\u0103rui client \u00een parte. Atunci c\u00e2nd vine vorba despre achizi\u0163ia unei case prin credit ipotecar, majoritatea poten\u0163ialilor cump\u0103r\u0103tori se g\u00e2ndesc automat la programul Prima Cas\u0103. La o analiz\u0103 mai atent\u0103 a costurilor unei astfel de finan\u0163\u0103ri bancare, reiese \u00eens\u0103 c\u0103 […]<\/p>\n","protected":false},"author":829,"featured_media":24125,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[316],"content_author":[],"class_list":{"0":"post-24124","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"tag-credite-3"},"yoast_head":"\nVrei s\u0103-\u0163i cumperi o cas\u0103? 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