{"id":24190,"date":"2013-03-21T14:41:40","date_gmt":"2013-03-21T12:41:40","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=24190_db\/"},"modified":"2013-03-21T14:41:40","modified_gmt":"2013-03-21T12:41:40","slug":"cel-mai-ieftin-credit-in-lei-cum-sa-ti-achiti-locuinta-de-3-ori-mai-repede-si-cu-un-cost-de-15-ori-mai-mic-decat-prin-prima-casa","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/cel-mai-ieftin-credit-in-lei-cum-sa-ti-achiti-locuinta-de-3-ori-mai-repede-si-cu-un-cost-de-15-ori-mai-mic-decat-prin-prima-casa_db\/","title":{"rendered":"Cel mai ieftin credit \u00een lei: cum s\u0103-\u0163i achi\u0163i locuin\u0163a de 3 ori mai repede \u015fi cu un cost de 15 ori mai mic dec\u00e2t prin Prima Cas\u0103"},"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-69e1ee0312ee5\" 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-69e1ee0312ee5\"  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\/cel-mai-ieftin-credit-in-lei-cum-sa-ti-achiti-locuinta-de-3-ori-mai-repede-si-cu-un-cost-de-15-ori-mai-mic-decat-prin-prima-casa_db\/#Pentru_cei_dispusi_sa_economiseasca_achizitia_unei_case_poate_fi_o_%E2%80%9Eafacere%E2%80%9D_mult_mai_putin_costisitoare_decat_pentru_cumparatorii_care_%E2%80%9Evor_totul_acum%E2%80%9D_si_mizeaza_doar_pe_contractarea_unui_credit_in_lei_fie_el_cat_de_ieftin\" >Pentru cei dispu\u015fi s\u0103 economiseasc\u0103, achizi\u0163ia unei case poate fi o \u201eafacere\u201d mult mai pu\u0163in costisitoare dec\u00e2t pentru cump\u0103r\u0103torii care \u201evor totul acum\u201d \u0219i mizeaz\u0103 doar pe contractarea unui credit \u00een lei, fie el c\u00e2t de ieftin.<\/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\/cel-mai-ieftin-credit-in-lei-cum-sa-ti-achiti-locuinta-de-3-ori-mai-repede-si-cu-un-cost-de-15-ori-mai-mic-decat-prin-prima-casa_db\/#45_pe_an_dobanda_fixa%E2%80%A6\" >4,5% pe an, dob\u00e2nd\u0103 fix\u0103&#8230;<\/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\/cel-mai-ieftin-credit-in-lei-cum-sa-ti-achiti-locuinta-de-3-ori-mai-repede-si-cu-un-cost-de-15-ori-mai-mic-decat-prin-prima-casa_db\/#%E2%80%A6versus_85_pe_an_variabila_la_Prima_Casa\" >&#8230;versus 8,5% pe an, variabil\u0103, la Prima Cas\u0103<\/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\/cel-mai-ieftin-credit-in-lei-cum-sa-ti-achiti-locuinta-de-3-ori-mai-repede-si-cu-un-cost-de-15-ori-mai-mic-decat-prin-prima-casa_db\/#Pui_bani_deoparte_5_ani_apoi_poti_lua_si_creditul\" >Pui bani deoparte 5 ani, apoi po\u0163i lua \u015fi creditul<\/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\/cel-mai-ieftin-credit-in-lei-cum-sa-ti-achiti-locuinta-de-3-ori-mai-repede-si-cu-un-cost-de-15-ori-mai-mic-decat-prin-prima-casa_db\/#Dupa_30_de_ani_platesti_casa_de_2_ori_si_jumatate\" >Dup\u0103 30 de ani, pl\u0103te\u015fti casa de 2 ori \u015fi jum\u0103tate<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pentru_cei_dispusi_sa_economiseasca_achizitia_unei_case_poate_fi_o_%E2%80%9Eafacere%E2%80%9D_mult_mai_putin_costisitoare_decat_pentru_cumparatorii_care_%E2%80%9Evor_totul_acum%E2%80%9D_si_mizeaza_doar_pe_contractarea_unui_credit_in_lei_fie_el_cat_de_ieftin\"><\/span>Pentru cei dispu\u015fi s\u0103 economiseasc\u0103, achizi\u0163ia unei case poate fi o \u201eafacere\u201d mult mai pu\u0163in costisitoare dec\u00e2t pentru cump\u0103r\u0103torii care \u201evor totul acum\u201d \u0219i mizeaz\u0103 doar pe contractarea unui credit \u00een lei, fie el c\u00e2t de ieftin.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>M\u00e2nate de recomand\u0103rile B\u0103ncii Na\u0163ionale a Rom\u00e2niei (BNR), tot mai multe b\u0103nci comerciale de pe pia\u0163a local\u0103 promoveaz\u0103 \u00eemprumuturile ipotecare \u00een moneda na\u0163ional\u0103. La modul teoretic, astfel de produse sunt atractive prin faptul c\u0103 elimin\u0103 din ecua\u0163ie riscul fluctua\u0163iilor valutare. \u00cen practic\u0103 \u00eens\u0103, problema <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/category\/ghiduri\/credite\/\">creditelor<\/a> \u00een lei const\u0103 \u00een faptul c\u0103 acestea sunt sensibil mai scumpe dec\u00e2t cele \u00een moneda european\u0103. <\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2013\/03\/parteneriat.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2013\/03\/parteneriat-300x227.jpg\" alt=\"\" title=\"parteneriat\" width=\"300\" height=\"227\" class=\"alignleft size-medium wp-image-24191\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/03\/parteneriat-300x227.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/03\/parteneriat-768x582.jpg 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/03\/parteneriat-130x97.jpg 130w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/03\/parteneriat.jpg 800w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"45_pe_an_dobanda_fixa%E2%80%A6\"><\/span>4,5% pe an, dob\u00e2nd\u0103 fix\u0103&#8230;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dac\u0103 \u00ee\u0163i dore\u015fti totu\u015fi s\u0103 contractezi un \u00eemprumut \u00een moneda na\u0163ional\u0103, exist\u0103 o variant\u0103 mai ieftin\u0103 at\u00e2t fa\u0163\u0103 de produsele ipotecare standard, c\u00e2t \u015fi comparativ cu cele disponibile prin programul Prima Cas\u0103. Este vorba despre creditele \u00een lei oferite de b\u0103ncile de locuin\u0163e de pe pia\u0163a local\u0103, la finalul unei anumite perioade de economisire. Raiffeisen Banca pentru Locuin\u0163e (RBL), spre exemplu, are dou\u0103 variante standard de credit: cu dob\u00e2nd\u0103 fix\u0103 de 4,5% pe an \u015fi cu dob\u00e2nd\u0103 fix\u0103 de 6% pe an. Cele dou\u0103 op\u0163iuni sunt combinate cu dob\u00e2nzile diferite oferite de banc\u0103 \u00een faza de economisire: 1,5% pe an, \u00een cel dint\u00e2i caz, \u015fi 3% pe an, \u00een cel de-al doilea. \u201eAtuul cel mai mare al acestui produs este costul finan\u0163\u0103rii. Dac\u0103 vrem s\u0103 cump\u0103r\u0103m o cas\u0103, e mai costisitor dac\u0103 o facem de pe o zi pe alta. Timpul are un pre\u0163. Dac\u0103 \u0163in mor\u0163i\u015f s\u0103 m\u0103 mut m\u00e2ine, trebuie s\u0103 fiu preg\u0103tit s\u0103 pl\u0103tesc mai mult\u201d, spune Aurelia Cionga, pre\u015fedintele Raiffeisen Banca pentru Locuin\u0163e.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E2%80%A6versus_85_pe_an_variabila_la_Prima_Casa\"><\/span>&#8230;versus 8,5% pe an, variabil\u0103, la Prima Cas\u0103<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>F\u0103c\u00e2nd o compara\u0163ie cu ofertele de credite ipotecare standard din pia\u0163\u0103, datele brokerului de credite Kiwi Finance arat\u0103 c\u0103 nivelul Dob\u00e2nzii Anuale Efective (DAE) la lei este cuprins \u00eentre 7,7% (medie calculat\u0103 pe baza celor mai bune trei-patru oferte ale b\u0103ncilor) \u015fi 11,52% (medie calculat\u0103 pentru cele mai scumpe trei-patru oferte ale b\u0103ncilor). Dob\u00e2nzile minime practicate la lei pentru creditele de tip Prima Cas\u0103 sunt \u00eenc\u0103 \u015fi mai ridicate, respectiv 8,5% (media celor mai bune patru oferte actuale ale b\u0103ncilor), potrivit datelor <a class=\"article-body-links\"href=\"http:\/\/www.conso.ro\/\">conso.ro<\/a>. Din cele de mai sus reiese c\u0103 dob\u00e2nda minim\u0103 practicat\u0103 de RBL pentru \u00eemprumuturile \u00een lei este de aproape dou\u0103 ori mai mic\u0103 dec\u00e2t cea prin programul <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/category\/ghiduri\/prima-casa\/\">Prima Cas\u0103<\/a>. Un alt avantaj al acestui produs este c\u0103 are dob\u00e2nzi fixe pe toat\u0103 durata ramburs\u0103rii creditului, astfel \u00eenc\u00e2t rata lunar\u0103 pe care o vei avea de pl\u0103tit nu va varia nici m\u0103car \u00een func\u0163ie de ROBOR. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"Pui_bani_deoparte_5_ani_apoi_poti_lua_si_creditul\"><\/span>Pui bani deoparte 5 ani, apoi po\u0163i lua \u015fi creditul<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Avantajele cump\u0103r\u0103rii unei locuin\u0163e prin sistemul de economisire-creditare pot fi \u00eens\u0103 cel mai bine ilustrate printr-un caz concret. C\u00e2nd vrei s\u0103 apelezi la aceast\u0103 variant\u0103, trebuie ca, mai \u00eent\u00e2i de toate, s\u0103 te g\u00e2nde\u015fti de ce sum\u0103 total\u0103 ar trebui s\u0103 dispui pentru achizi\u0163ia locuin\u0163ei dorite, spune Aurelia Cionga. Aceasta va fi suma contractat\u0103 \u015fi se va compune at\u00e2t din economiile tale (la care se va ad\u0103uga prima anual\u0103 oferit\u0103 de c\u0103tre stat \u015fi dob\u00e2nda b\u0103ncii), c\u00e2t \u015fi din <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/category\/ghiduri\/credite\/\">creditul<\/a> oferit de c\u0103tre banc\u0103. S\u0103 lu\u0103m, pentru exemplificare, suma de 200.000 de lei (echivalentul actual al aproximativ 45.000 de euro). Pentru maximizarea randamentului \u00een faza de economisire, reprezentan\u0163ii RBL recomand\u0103 \u00eencheierea a patru contracte simultan (fiecare membru al familiei, inclusiv copiii, pot beneficia de astfel de contracte), \u00eentruc\u00e2t prima oferit\u0103 de c\u0103tre stat \u2013 25% din suma economisit\u0103 \u2013 nu poate fi mai mare de 250 de euro pe an. Astfel, se vor \u00eencheia patru contracte diferite, fiecare cu o sum\u0103 contractat\u0103 de 50.000 de lei, \u00een contul c\u0103ruia se va depune lunar  350 de lei, adic\u0103 un total de 1.400 de lei per familie. Dup\u0103 aproximativ cinci ani de economisire (61 de luni), pe cele patru contracte se va ajunge la o sum\u0103 cumulat\u0103 de 101.988 de lei (circa 23.000 de euro), incluz\u00e2nd aici prima oferit\u0103 de c\u0103tre stat \u015fi dob\u00e2nda b\u0103ncii. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dupa_30_de_ani_platesti_casa_de_2_ori_si_jumatate\"><\/span>Dup\u0103 30 de ani, pl\u0103te\u015fti casa de 2 ori \u015fi jum\u0103tate<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dup\u0103 acest r\u0103stimp, po\u0163i contracta creditul dorit, \u00eentr-un cuantum aproximativ egal cu suma adunat\u0103 anterior. \u00cen cazul de fa\u0163\u0103, po\u0163i \u00eemprumuta 99.614 lei (22.500 de euro). Pl\u0103tind \u00een continuare aceea\u015fi sum\u0103 lunar\u0103 (1.400 de lei per familie), vei putea s\u0103 achi\u0163i creditul contractat \u00eentr-o perioad\u0103 de \u015fapte ani. Diferen\u0163a dintre creditul efectiv contractat \u015fi suma total\u0103 de rambursat va fi de 17.834 de lei (pu\u0163in peste 4.000 de euro). Cu alte cuvinte, prin sistemul de economisire-creditare \u00een 12 ani po\u0163i achita integral o cas\u0103 de 45.000 de euro, cu un cost al finan\u0163\u0103rii mai mic de cinci mii de euro. <\/p>\n<p>Printr-un credit ipotecar de tip Prima Cas\u0103, pe de alt\u0103 parte, suma total\u0103 de 200.000 de lei ar putea fi rambursat\u0103, prin intermediul unei rate lunare de circa 1.400 de lei (ce poate varia \u00een func\u0163ie de ROBOR), \u00een 30 de ani, potrivit celei mai ieftine oferte listate pe <a class=\"article-body-links\"href=\"http:\/\/www.conso.ro\/\">conso.ro<\/a>. Suma total\u0103 de rambursat \u00een acest caz este de circa 531.000 de RON (circa 120.000 de euro). Asta \u00eenseamn\u0103 c\u0103, pentru locuin\u0163a de 45.000 de euro, costul finan\u0163\u0103rii pe durata celor 30 de ani se ridic\u0103 la (\u00eenc\u0103) 75.000 de euro.<\/p>\n<p><em><strong>Cite\u015fte \u015fi: <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-3\/vrei-sa-ti-cumperi-o-casa-ce-tip-de-credit-e-mai-avantajos_db\/\">Vrei s\u0103-\u0163i cumperi o cas\u0103? Ce tip de credit e mai avantajos<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pentru cei dispu\u015fi s\u0103 economiseasc\u0103, achizi\u0163ia unei case poate fi o \u201eafacere\u201d mult mai pu\u0163in costisitoare dec\u00e2t pentru cump\u0103r\u0103torii care \u201evor totul acum\u201d \u0219i mizeaz\u0103 doar pe contractarea unui credit \u00een lei, fie el c\u00e2t de ieftin. M\u00e2nate de recomand\u0103rile B\u0103ncii Na\u0163ionale a Rom\u00e2niei (BNR), tot mai multe b\u0103nci comerciale de pe pia\u0163a local\u0103 promoveaz\u0103 [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":24191,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[1761,294],"content_author":[],"class_list":["post-24190","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","tag-calculator-rate-credite","tag-credite-2"],"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>Cel mai ieftin credit \u00een lei: cum s\u0103-\u021bi achi\u021bi locuin\u021ba de 3 ori mai repede<\/title>\n<meta name=\"description\" content=\"Dac\u0103 vrei s\u0103 faci un credit \u00een lei, exist\u0103 o variant\u0103 mai ieftin\u0103 at\u00e2t fa\u0163\u0103 de produsele ipotecare standard, c\u00e2t \u015fi comparativ cu cele disponibile prin programul Prima Cas\u0103. Este vorba despre creditele \u00een lei oferite de b\u0103ncile de locuin\u0163e de pe pia\u0163a local\u0103, la finalul unei anumite perioade de economisire.\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/cel-mai-ieftin-credit-in-lei-cum-sa-ti-achiti-locuinta-de-3-ori-mai-repede-si-cu-un-cost-de-15-ori-mai-mic-decat-prin-prima-casa_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cel mai ieftin credit \u00een lei: cum s\u0103-\u0163i achi\u0163i locuin\u0163a de 3 ori mai repede \u015fi cu un cost de 15 ori mai mic dec\u00e2t prin Prima Cas\u0103\" \/>\n<meta property=\"og:description\" content=\"Dac\u0103 vrei s\u0103 faci un credit \u00een lei, exist\u0103 o variant\u0103 mai ieftin\u0103 at\u00e2t fa\u0163\u0103 de produsele ipotecare standard, c\u00e2t \u015fi comparativ cu cele disponibile prin programul Prima Cas\u0103. 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