{"id":24387,"date":"2013-04-04T14:17:58","date_gmt":"2013-04-04T11:17:58","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=24387_db\/"},"modified":"2013-04-04T14:17:58","modified_gmt":"2013-04-04T11:17:58","slug":"esti-eligibil-pentru-un-credit-prima-casa-cat-poti-imprumuta-de-la-banca","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/esti-eligibil-pentru-un-credit-prima-casa-cat-poti-imprumuta-de-la-banca_db\/","title":{"rendered":"E\u015fti eligibil pentru un credit Prima Cas\u0103? C\u00e2t po\u0163i \u00eemprumuta de la banc\u0103, \u00een func\u0163ie de venit"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 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-6a35fe0e8cb1c\" 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-6a35fe0e8cb1c\"  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\/esti-eligibil-pentru-un-credit-prima-casa-cat-poti-imprumuta-de-la-banca_db\/#Gradul_maxim_de_indatorare_permis_de_catre_institutiile_financiare_pentru_imprumuturile_Prima_Casa_este_de_circa_50_Inainte_de_a_merge_la_banca_poti_calcula_cu_aproximatie_suma_pe_care_ti-ar_acorda-o_acestea_cu_ajutorul_unui_simulator_de_credit\" >Gradul maxim de \u00eendatorare permis de c\u0103tre institu\u0163iile financiare pentru \u00eemprumuturile Prima Cas\u0103 este de circa 50%. \u00cenainte de a merge la banc\u0103, po\u021bi calcula, cu aproxima\u021bie, suma pe care \u021bi-ar acorda-o acestea cu ajutorul unui simulator de credit.<\/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\/esti-eligibil-pentru-un-credit-prima-casa-cat-poti-imprumuta-de-la-banca_db\/#Ce_salariu_trebuie_sa_ai_pentru_o_casa_de_60000_de_euro\" >Ce salariu trebuie s\u0103 ai pentru o cas\u0103 de 60.000 de euro<\/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\/esti-eligibil-pentru-un-credit-prima-casa-cat-poti-imprumuta-de-la-banca_db\/#Persoanele_cu_1000-2000_lei_lunar_o_treime_din_cereri\" >Persoanele cu 1.000-2.000 lei lunar: o treime din cereri<\/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\/esti-eligibil-pentru-un-credit-prima-casa-cat-poti-imprumuta-de-la-banca_db\/#Diferente_mici_intre_ofertele_bancilor\" >Diferen\u0163e mici \u00eentre ofertele b\u0103ncilor<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Gradul_maxim_de_indatorare_permis_de_catre_institutiile_financiare_pentru_imprumuturile_Prima_Casa_este_de_circa_50_Inainte_de_a_merge_la_banca_poti_calcula_cu_aproximatie_suma_pe_care_ti-ar_acorda-o_acestea_cu_ajutorul_unui_simulator_de_credit\"><\/span>Gradul maxim de \u00eendatorare permis de c\u0103tre institu\u0163iile financiare pentru \u00eemprumuturile Prima Cas\u0103 este de circa 50%. \u00cenainte de a merge la banc\u0103, po\u021bi calcula, cu aproxima\u021bie, suma pe care \u021bi-ar acorda-o acestea cu ajutorul unui simulator de credit.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dac\u0103 vrei s\u0103 accesezi un credit de tip <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/category\/ghiduri\/prima-casa\/ \">Prima Cas\u0103<\/a>, ar trebui s\u0103 \u015ftii mai \u00eent\u00e2i \u00een ce sum\u0103 s\u0103 te \u00eencadrezi pentru achizi\u0163ia unei locuin\u0163e &#8211; asta lu\u00e2nd \u00een calcul, desigur, \u015fi plata avansului minim de 5% pentru o astfel de tranzac\u0163ie. <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/\">www.imobiliare.ro<\/a><\/strong> \u00ee\u0163i prezint\u0103, pe baza informa\u0163iilor afi\u015fate pe site-ul <a class=\"article-body-links\"href=\"http:\/\/www.conso.ro\/\">conso.ro<\/a>, o analiz\u0103 a sumelor ce pot fi \u00eemprumutate prin intermediul programului guvernamental, \u00een func\u0163ie de veniturile solicitan\u0163ilor.<\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2013\/04\/primacasa2.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2013\/04\/primacasa2-300x300.jpg\" alt=\"\" title=\"primacasa2\" width=\"300\" height=\"300\" class=\"alignleft size-medium wp-image-24388\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/04\/primacasa2-300x300.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/04\/primacasa2-140x140.jpg 140w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/04\/primacasa2-150x150.jpg 150w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/04\/primacasa2-250x250.jpg 250w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/04\/primacasa2.jpg 480w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ce_salariu_trebuie_sa_ai_pentru_o_casa_de_60000_de_euro\"><\/span>Ce salariu trebuie s\u0103 ai pentru o cas\u0103 de 60.000 de euro<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pentru a putea accesa suma maxim\u0103 permis\u0103 pentru achizi\u0163ia unui imobil nou-construit \u2013 61.750 de euro, pentru o cas\u0103 cu un pre\u0163 de 65.000 de euro -, pe o perioad\u0103 de 30 de ani, este suficient ca o familie de dou\u0103 persoane, f\u0103r\u0103 alte datorii, s\u0103 aib\u0103 un venit familial de 3.360 de lei. (Pentru exemplificare, au fost luate \u00een calcul un grad maxim de \u00eendatorare de 50% permis de c\u0103tre b\u0103nci \u015fi o Dob\u00e2nd\u0103 Anual\u0103 Efectiv\u0103 de 4,8%). Pe de alt\u0103 parte, pentru a ob\u0163ine un credit de 57.000 de euro, aceea\u015fi familie ar trebui s\u0103 dispun\u0103 de un venit de circa 3.150 de lei. Cu 3.000 de lei pe lun\u0103 se poate \u00eemprumuta o sum\u0103 maxim\u0103 de 54.000 de euro, \u00een vreme ce, pentru un salariu de 2.000 de lei, creditul acordat de c\u0103tre banc\u0103 ar ajunge la circa 32.500 de euro. Teoretic, \u015fi dac\u0103 ai venituri mai mici po\u0163i aplica la programul guvernamental. Astfel, cu un venit de 1.500 de lei pe lun\u0103 te po\u0163i \u00eencadra \u00een limita unui credit de 21.700 de euro, iar cu 1.000 de lei po\u0163i lua de la banc\u0103 aproape 11.000 de euro.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Persoanele_cu_1000-2000_lei_lunar_o_treime_din_cereri\"><\/span>Persoanele cu 1.000-2.000 lei lunar: o treime din cereri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Potrivit datelor brokerului de credite Kiwi Finance, anul trecut cele mai multe solicit\u0103ri pe segmentul Prima Cas\u0103 \u2013 circa 33% din total &#8211; au venit din partea unor beneficiari cu venituri cuprinse \u00eentre 1.000 \u015fi 2.000 de lei. Pe locul al doilea se situeaz\u0103 cei cu venituri de 2.000-3.000 de lei pe lun\u0103 (cu o pondere de pu\u0163in peste 25%), \u00een timp ce urm\u0103toarele dou\u0103 pozi\u0163ii sunt ocupate de rom\u00e2nii care primesc 3.000-4.000 de lei pe lun\u0103 (circa 14% din total) \u015fi, respectiv, 4.000-5.000 de lei pe lun\u0103 (aproximativ 13,5%). Segmentul solicitan\u0163ilor cu venituri mai mici de 1.000 de lei a reprezentat \u00een 2012 circa 3,5% din total.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Diferente_mici_intre_ofertele_bancilor\"><\/span>Diferen\u0163e mici \u00eentre ofertele b\u0103ncilor<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen ceea ce prive\u015fte costurile practicate de b\u0103ncile din pia\u0163\u0103 pentru creditele de tip <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/category\/ghiduri\/prima-casa\/\">Prima Cas\u0103<\/a>, se poate remarca o \u00eengustare a diferen\u0163elor dintre ofertele finan\u0163atorilor. \u00cen prezent, Dob\u00e2nda Anual\u0103 Efectiv\u0103 pentru aceast\u0103 categorie de \u00eemprumuturi ipotecare variaz\u0103 \u00eentre un prag minim de 4,71% (la Alpha Bank \u015fi Raiffeisen Bank) \u015fi unul maxim de 4,88% (la OTP Bank). Aceast\u0103 diferen\u0163\u0103 nu se simte \u00eens\u0103 foarte mult la plata ratei lunare. Astfel, pentru un credit de 57.000 de euro, un beneficiar al programului Prima Cas\u0103 ar trebui s\u0103 pl\u0103teasc\u0103 \u00eentre 275 euro \u015fi 279 euro. C\u00e2t despre suma total\u0103 de rambursat pe parcursul a 30 de ani, exist\u0103 o diferen\u0163\u0103 de circa 1.400 de euro.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Gradul maxim de \u00eendatorare permis de c\u0103tre institu\u0163iile financiare pentru \u00eemprumuturile Prima Cas\u0103 este de circa 50%. \u00cenainte de a merge la banc\u0103, po\u021bi calcula, cu aproxima\u021bie, suma pe care \u021bi-ar acorda-o acestea cu ajutorul unui simulator de credit. Dac\u0103 vrei s\u0103 accesezi un credit de tip Prima Cas\u0103, ar trebui s\u0103 \u015ftii mai \u00eent\u00e2i [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":24388,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[1548],"content_author":[],"class_list":{"0":"post-24387","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"tag-prima-casa"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>E\u0219ti eligibil pentru un credit Prima Cas\u0103? C\u00e2t po\u021bi \u00eemprumuta de la banc\u0103<\/title>\n<meta name=\"description\" content=\"Gradul maxim de \u00eendatorare permis de c\u0103tre institu\u0163iile financiare pentru \u00eemprumuturile Prima Cas\u0103 este de circa 50%. \u00cenainte de a merge la banc\u0103, po\u021bi calcula, cu aproxima\u021bie, suma pe care \u021bi-ar acorda-o acestea cu ajutorul unui simulator de credit.\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/esti-eligibil-pentru-un-credit-prima-casa-cat-poti-imprumuta-de-la-banca_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"E\u0219ti eligibil pentru un credit Prima Cas\u0103? 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