{"id":25102,"date":"2013-05-03T13:55:58","date_gmt":"2013-05-03T10:55:58","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=25102_db\/"},"modified":"2013-05-03T13:55:58","modified_gmt":"2013-05-03T10:55:58","slug":"rata-la-casa-versus-chiria-in-marile-orase-ce-avantaje-iti-aduce-fiecare-varianta","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/rata-la-casa-versus-chiria-in-marile-orase-ce-avantaje-iti-aduce-fiecare-varianta_db\/","title":{"rendered":"Rata la cas\u0103 versus chiria \u00een marile ora\u0219e. Ce avantaje \u00ee\u021bi aduce fiecare variant\u0103"},"content":{"rendered":"

\u00cen cei cinci ani de criz\u0103, pre\u021burile apartamentelor au consemnat un declin mai alert comparativ cu segmentul \u00eenchirierilor.<\/strong><\/p>\n

\u201eCe este mai bine: s\u0103 cump\u0103r un apartament sau s\u0103 stau \u00een chirie?\u201d. Iat\u0103 o \u00eentrebare ce-i preocup\u0103 pe majoritatea rom\u00e2nilor la un moment dat. Interesant este c\u0103 r\u0103spunsul nu este \u00eentotdeauna acela\u0219i, ci variaz\u0103 \u00een func\u021bie de evolu\u021bia situa\u021biei economice \u00een general \u0219i a pie\u021bei imobiliare \u00een particular. Spre exemplu, ultimii cinci ani, marca\u021bi de recesiunea economic\u0103 mondial\u0103, au dus la o reconfigurare major\u0103 a datelor acestei probleme. Pe de o parte, pre\u021burile locuin\u021belor din marile ora\u0219e au \u00eenregistrat o sc\u0103dere mai alert\u0103 comparativ cu segmentul \u00eenchirierilor. Pe de alt\u0103 parte, indicele Euribor, acea component\u0103 variabil\u0103 a dob\u00e2nzii la creditele \u00een euro, se situeaz\u0103 ast\u0103zi la un minimum de sub 1%, fa\u021b\u0103 de peste 4% \u00een 2008. Ace\u0219ti doi factori sunt cei care sus\u021bin ast\u0103zi varianta achizi\u021biei unei locuin\u021be, \u00een detrimentul \u00eenchirierii, spre deosebire de anul 2008. \u201eAcum e momentul cel mai interesant pentru o achizi\u021bie\u201d, spune Iulian Niculae, directorul agen\u021biei Victoria Consult. El precizeaz\u0103 c\u0103 nu po\u021bi avea niciodat\u0103 garan\u021bia faptului c\u0103 ai cump\u0103rat la pragul minim absolut al pre\u021burilor, pentru c\u0103 pia\u021ba are o evolu\u021bie ciclic\u0103 \u0219i nu po\u021bi \u0219ti cu exactitate c\u00e2nd aceasta va reveni pe un trend ascendent.<\/p>\n

\"cheile<\/a>Costuri lunare mai mici pentru proprietari<\/strong>
\nwww.imobiliare.ro prezint\u0103 o analiz\u0103 asupra pre\u021burilor cerute pentru apartamente aflate la v\u00e2nzare<\/a> din marile ora\u0219e comparativ cu sumele solicitate pentru apartamente scoase la \u00eenchiriere<\/a>. Pentru exemplificare, sunt luate \u00een calcul doar apartamente vechi cu dou\u0103 camere.<\/p>\n

\u00cen cartierul Dristor din Bucure\u0219ti, proprietarul unui apartament cu dou\u0103 camere situat \u00een apropiere de metrou solicit\u0103 azi 50.500 de euro. Potrivit conso.ro, rata lunar\u0103 pentru un credit \u00een valoare de circa 48.000 de euro (pre\u021bul de achizi\u021bie minus avansul minim de 5%) variaz\u0103 \u00eentre 232 \u0219i 244 de euro. Spre compara\u021bie, chiria minim\u0103 cerut\u0103 pentru un apartament similar este de 250 de euro, dar ajunge \u0219i la 300 de euro – sau chiar mai mult.<\/p>\n

\u00cen Timi\u0219oara, \u00een zona Aradului, o locuin\u021b\u0103 bicameral\u0103, cu o suprafa\u021b\u0103 de 50 de metri p\u0103tra\u021bi, poate fi achizi\u021bionat\u0103 cu circa 40.000 de euro, ceea ce echivaleaz\u0103 cu o rat\u0103 cuprins\u0103 \u00eentre 183 \u0219i 193 euro pe lun\u0103, pentru un credit de 38.000 de euro. Chiria cerut\u0103 pentru o locuin\u021b\u0103 similar\u0103 porne\u0219te de la aproximativ 240 de euro pe lun\u0103.<\/p>\n

\u00cen cartierul R\u0103c\u0103d\u0103u din Bra\u0219ov, un apartament cu dou\u0103 camere cost\u0103 44.000 de euro, ceea ce \u00eenseamn\u0103 o rat\u0103 lunar\u0103 de 202-213 de euro prin Prima Cas\u0103 (pentru un \u00eemprumut efectiv de 42.800 de euro). Pentru o astfel de locuin\u021b\u0103, un chiria\u0219 ar trebui s\u0103 pl\u0103teasc\u0103 lunar o sum\u0103 \u00eencep\u00e2nd de la 240 de euro pe lun\u0103.<\/p>\n

\u00cen Constan\u021ba, proprietarul unei unit\u0103\u021bi locative situate \u00een zona Tomis Nord solicit\u0103 un pre\u021b de 50.000 de euro. Pentru un credit de 47.500 de euro, beneficiarul unui credit Prima Cas\u0103 ar trebui s\u0103 pl\u0103teasc\u0103 lunar \u00eentre 230 \u0219i 242 de euro. Pe de alt\u0103 parte, chiria cerut\u0103 pentru o proprietate similar\u0103 porne\u0219te de la 230-250 de euro.<\/p>\n

\u00cen Cluj-Napoca, \u00een cartierul M\u0103r\u0103\u0219ti, o locuin\u021b\u0103 bicameral\u0103 are un pre\u021b cerut de 48.000 de euro, ceea ce echivaleaz\u0103 cu o rat\u0103 de 220 \u0219i 232 de euro pe lun\u0103 (pentru o sum\u0103 \u00eemprumutat\u0103 de 45.600). Spre compara\u021bie, chiria lunar\u0103 pentru un astfel de apartament este de circa 320 de euro pe lun\u0103.<\/p>\n

Analizeaz\u0103 o achizi\u021bie pe termen lung!<\/strong>
\nDin datele de mai sus rezult\u0103 c\u0103, \u00een momentul de fa\u021b\u0103, rata lunar\u0103 la un credit Prima Cas\u0103 se situeaz\u0103 la valori adesea mai mici dec\u00e2t valoarea chiriei pentru acela\u0219i tip de locuin\u021b\u0103. \u201eDac\u0103 ezi\u021bi \u00eentre chirie \u0219i a cump\u0103ra, cump\u0103r\u0103, dar fii atent ce\u201d, spune Niculae. Aunci c\u00e2nd faci o achizi\u021bie e important s\u0103 prive\u0219ti lucrurile \u0219i din perspectiva unui investitor, adic\u0103 s\u0103 te g\u00e2nde\u0219ti nu doar la pre\u021bul pe care \u00eel pl\u0103te\u0219ti acum, ci \u0219i la cum va evolua valoarea respectivei propriet\u0103\u021bi \u00een urm\u0103torii ani. Asta pentru c\u0103, la un moment dat, perioada de recesiune se va \u00eencheia, iar pre\u021burile vor reveni pe cre\u0219tere, \u00eens\u0103 \u00een propor\u021bii diferite \u00een func\u021bie de segmente, explic\u0103 directorul Victoria Consult. Astfel, este de a\u0219teptat ca locuin\u021bele noi (cu o localizare bun\u0103) s\u0103 se aprecieze cel mai mult \u00een timp, la polul opus situ\u00e2ndu-se apartamentele vechi, \u00een special cele construite \u00eenainte de cutremurul din 1977.<\/p>\n

Este necesar de precizat c\u0103, odat\u0103 cu evolu\u021bia situa\u021biei economice, datele compara\u021biei \u00eentre varianta achizi\u021biei \u0219i cea a \u00eenchirierii unei locuin\u021be se vor schimba. Niculae recunoa\u0219te c\u0103 Euriborul va cre\u0219te fa\u021b\u0103 de nivelul minim de azi. Totu\u0219i, \u00eentr-o perioad\u0103 de cre\u0219tere economic\u0103, acela\u0219i lucru se va \u00eent\u00e2mpla \u0219i pe segmentul chiriilor, iar major\u0103rile ar putea fi propor\u021bionale. Pe de alt\u0103 parte, anticipeaz\u0103 directorul Victoria Consult, este de a\u0219teptat ca, pe viitor, b\u0103ncile s\u0103 vin\u0103 pe pia\u021b\u0103 cu oferte de credite mai accesibile, astfel \u00eenc\u00e2t refinan\u021barea \u00eemprumuturilor actuale la costuri mai mici s\u0103 fie o op\u021biune demn\u0103 de luat \u00een considerare.<\/p>\n

O alegere personal\u0103<\/strong>
\nDincolo de toate calculele – a c\u0103ror veridicitate pe termen lung doar timpul o va dovedi – r\u0103spunsul la \u00eentrebarea \u201eProprietar sau chiria\u0219?\u201d r\u0103m\u00e2ne o alegere personal\u0103. O ecua\u021bie \u00een care intr\u0103 nu doar pre\u021buri, statistici \u0219i estim\u0103ri economice, ci \u0219i dorin\u021be, nevoi \u0219i, de ce nu, limit\u0103ri personale. Claudiu Ha\u021began, directorul agen\u021biei Klauss & Partners, spune c\u0103 ambele variante au c\u00e2teva avantaje specifice – contrabalansate, desigur, \u0219i de dezavantaje. Acesta enumer\u0103 doar c\u00e2teva dintre cele dint\u00e2i:<\/p>\n

Avantaje cump\u0103rare:<\/strong><\/em>
\n– nu \u201epierzi\u201d banii pe pe care-i pl\u0103te\u0219ti \u00een fiecare lun\u0103, ci \u00eei investe\u0219ti \u00een propria ta locuin\u021b\u0103;
\n– te bucuri de stabilitate \u2013 nu trebuie s\u0103 te mu\u021bi dac\u0103 apar ne\u00een\u021belegeri cu proprietarul sau dac\u0103 acesta vrea s\u0103-\u0219i v\u00e2nd\u0103 casa;
\n– \u00eentr-o locuin\u021b\u0103 proprie ai putere de decizie \u2013 o po\u021bi amenaja dup\u0103 gusturile tale, po\u021bi face modific\u0103ri etc.<\/p>\n

Avantaje \u00eenchiriere:<\/strong><\/em>
\n– nu ai responsabilit\u0103\u021bile de\u021binerii unei propriet\u0103\u021bi \u2013 nu trebuie s\u0103 pl\u0103te\u0219ti taxe, impozite;
\n– uzura locuin\u021bei, a mobilierului, a finisajelor nu intr\u0103 \u00een responsabilitatea ta, ci a proprietarului;
\n– e\u0219ti flexibil: dac\u0103 \u00ee\u021bi schimbi locul de munc\u0103, dac\u0103 \u00ee\u021bi scad veniturile, dac\u0103 ai un copil te po\u021bi muta oric\u00e2nd, chiar \u0219i \u00een alt ora\u0219 sau \u00eentr-o locuin\u021b\u0103 mai spa\u021bioas\u0103 sau mai mic\u0103.<\/p>\n

\n

Compara\u021bie \u00eentre evolu\u021bia pre\u021burilor \u0219i a chiriilor pe categorii de apartamente \u00een marile ora\u0219e, \u00een perioada martie 2008-martie 2013:<\/strong><\/p>\n\n\n\n\n\n\n\n\n\n
Ora\u0219:<\/strong><\/td>\nGarsoniere:<\/strong><\/td>\nGarsoniere:<\/strong><\/td>\n2 camere:<\/strong><\/td>\n2 camere:<\/strong><\/td>\n3 camere:<\/strong><\/td>\n3 camere:<\/strong><\/td>\n<\/tr>\n
<\/td>\nPre\u021buri:<\/strong><\/td>\nChirii:<\/em><\/td>\nPre\u021buri:<\/strong><\/td>\nChirii:<\/em><\/td>\nPre\u021buri:<\/strong><\/td>\nChirii:<\/em><\/td>\n<\/tr>\n
Bucure\u0219ti:<\/td>\n56%<\/td>\n34%<\/td>\n55%<\/td>\n44%><\/td>\n53%<\/td>\n49%<\/td>\n<\/tr>\n
Bra\u0219ov:<\/td>\n38%<\/td>\n20%<\/td>\n48%<\/td>\n32%<\/td>\n44%<\/td>\n39%<\/td>\n<\/tr>\n
Cluj-Napoca:<\/td>\n44%<\/td>\n34%<\/td>\n32%<\/td>\n18%><\/td>\n47%<\/td>\n28%<\/td>\n<\/tr>\n
Constan\u021ba:<\/td>\n43%<\/td>\n13%<\/td>\n46%<\/td>\n19%><\/td>\n45%<\/td>\n24%<\/td>\n<\/tr>\n
Timi\u0219oara:<\/td>\n38%<\/td>\n25%<\/td>\n40%<\/td>\n39%><\/td>\n37%<\/td>\n33%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Sursa: www.imobiliare.ro<\/strong><\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\u00cen cei cinci ani de criz\u0103, pre\u021burile apartamentelor au consemnat un declin mai alert comparativ cu segmentul \u00eenchirierilor. \u201eCe este mai bine: s\u0103 cump\u0103r un apartament sau s\u0103 stau \u00een chirie?\u201d. Iat\u0103 o \u00eentrebare ce-i preocup\u0103 pe majoritatea rom\u00e2nilor la un moment dat. Interesant este c\u0103 r\u0103spunsul nu este \u00eentotdeauna acela\u0219i, ci variaz\u0103 \u00een func\u021bie […]<\/p>\n","protected":false},"author":829,"featured_media":25104,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[267,263,268,259],"tags":[274,1410,1411,1360],"content_author":[],"class_list":["post-25102","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chiriasi","category-credite","category-cumparatori","category-stiri","tag-chirias","tag-newsletter","tag-principal","tag-vanzare-apartamente"],"yoast_head":"\nRata la cas\u0103 versus chiria \u00een marile ora\u0219e. 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