{"id":25165,"date":"2013-05-16T13:42:55","date_gmt":"2013-05-16T10:42:55","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=25165_db\/"},"modified":"2013-05-16T13:42:55","modified_gmt":"2013-05-16T10:42:55","slug":"6-din-10-romani-isi-iau-casa-pe-credit-cat-sunt-dispusi-sa-imprumute-si-ce-fel-de-locuinte-prefera","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/6-din-10-romani-isi-iau-casa-pe-credit-cat-sunt-dispusi-sa-imprumute-si-ce-fel-de-locuinte-prefera_db\/","title":{"rendered":"6 din 10 rom\u00e2ni \u00ee\u0219i iau cas\u0103 pe credit. C\u00e2t sunt dispu\u0219i s\u0103 \u00eemprumute \u0219i ce fel de locuin\u021be prefer\u0103"},"content":{"rendered":"<p><strong>\u00cen afara Capitalei, finan\u021b\u0103rile accesate de c\u0103tre popula\u021bie sunt cu aproape 18% mai mici dec\u00e2t cele din Bucure\u0219ti.<\/strong><\/p>\n<p>\u00cen actualul context economic, mai bine de jum\u0103tate dintre rom\u00e2nii care vor s\u0103-\u0219i cumpere o cas\u0103 apeleaz\u0103 la o finan\u021bare bancar\u0103. Disponibilitatea de a se \u00eemprumuta r\u0103m\u00e2ne \u00eens\u0103 redus\u0103, semnificativ sub pragul-etalon impus de programul Prima Cas\u0103, respectiv 60.000 de euro. <\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2013\/05\/alegerea-locuintei.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/info.imobiliare.ro\/wp-content\/uploads\/2013\/05\/alegerea-locuintei-300x199.jpg\" alt=\"alegerea locuintei\" width=\"300\" height=\"199\" class=\"alignleft size-medium wp-image-25168\" \/><\/a>Potrivit unui studiu realizat de Banca Comercial\u0103 Rom\u00e2n\u0103 (BCR), circa 60% din tranzac\u0163iile actuale de achizi\u0163ie a unei locuin\u021be au loc prin intermediul unui credit bancar. Anul trecut, valoarea medie a unui \u00eemprumut pentru cump\u0103rarea unei unit\u0103\u021bi locative \u00een Bucure\u015fti s-a ridicat la 200.000 de lei, respectiv echivalentul a circa 45.000 de euro, (potrivit cursului valabil la finele lui 2012), potrivit unui studiu al b\u0103ncii. La nivel na\u0163ional, media pentru un asemenea \u00eemprumut a fost mai redus\u0103, situ\u00e2ndu-se \u00een jurul a 165.000 lei (aproximativ 37.000 de euro).<\/p>\n<p><strong>Bihor, jude\u021bul unde se cump\u0103r\u0103 cele mai multe vile<\/strong><br \/>\nCu privire la preferin\u021bele cump\u0103r\u0103torilor care acceseaz\u0103 finan\u021b\u0103ri bancare, studiul BCR arat\u0103 c\u0103 \u00een 2012 cele mai c\u0103utate au fost apartamentele cu dou\u0103 camere, cu o pondere de aproape 45% dintre toate tranzac\u021biile facilitate de banc\u0103 la nivel na\u021bional. Pe locul al doilea, cu o cot\u0103 de 26%, se situeaz\u0103 unit\u0103\u021bile locative cu trei camere, acestea fiind urmate de achizi\u021biile de case-vile (14%), garsoniere (11%) \u0219i apartamente cu patru camere (4%). \u00cen Capital\u0103, unde pre\u021burile de tranzac\u021bionare sunt mai ridicate, este mai mare ponderea tranzac\u021biilor cu garsoniere (14%) \u0219i unit\u0103\u021bi cu dou\u0103 camere (48%), \u00een detrimentul vilelor (8%). Jude\u021bul cu cea mai mare pondere a achizi\u021biilor de case-vile (23% din total) este Bihor, \u00een vreme ce Constan\u021ba ocup\u0103 un loc frunta\u0219 la tranzac\u021biile cu apartamente cu dou\u0103 camere (59%). <\/p>\n<p><strong>Upgrade-urile de locuin\u021b\u0103, o zecime din pia\u021b\u0103<\/strong><br \/>\n\u00cen actualul context economic, pia\u021ba creditelor pentru locuin\u021be este sus\u021binut\u0103 de cump\u0103r\u0103torii afla\u021bi la prima achizi\u021bie \u2013 dintre care beneficiarii programului Prima Cas\u0103 reprezint\u0103 majoritatea. Totu\u0219i, remarc\u0103 reprezentan\u021bii BCR, activi sunt \u0219i cei care au deja o cas\u0103. \u201c\u00cen 2012, aproximativ 10% din clien\u0163i de\u0163ineau deja o proprietate la momentul acces\u0103rii creditului pentru noua locuin\u0163\u0103. Se remarc\u0103 astfel, al\u0103turi de profilul clientului aflat la prima achizi\u0163ie, a unui nou profil \u2013 acela al clientului care de\u0163ine o locuin\u0163\u0103 \u015fi dore\u015fte \u00eembun\u0103t\u0103\u0163irea condi\u0163iilor spa\u0163iului locativ prin trecere la o locuin\u0163\u0103 cu mai multe camere, de exemplu, sau la o cas\u0103\u201d, subliniaz\u0103 Teodor Mincu, \u0219eful Biroului Intermediari \u00een cadrul BCR.<\/p>\n<p><strong>Pre\u021buri \u00een cre\u0219tere la Prima Cas\u0103<\/strong><br \/>\n\u00cen ceea ce prive\u015fte pre\u0163urile efective de tranzac\u0163ionare pentru locuin\u021bele achizi\u021bionate prin credit, datele publicate de Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderi Mici \u0219i Mijlocii (FNGCIMM) arat\u0103 c\u0103, except\u00e2nd regiunea Bucure\u0219ti-Ilfov, anul trecut a marcat \u00eenceputul unei tendin\u021be de scumpire \u00een toate celelalte zone ale \u0163\u0103rii. \u00cen centrul \u0163\u0103rii, spre exemplu, valoarea medie de achizi\u0163ie s-a majorat de la un nivel minim de circa 710-715 euro pe metru p\u0103trat, atins \u00een 2011, p\u00e2n\u0103 la 780 de euro pe metru p\u0103trat, \u00een primul trimestru din 2013 (nivel cu doar circa 15 euro mai sc\u0103zut dec\u00e2t cel din 2009). Pe de alt\u0103 parte, \u00een zona Capitalei pre\u021burile de tranzac\u0163ionare pe segmentul Prima Cas\u0103 au avut o evolu\u0163ie constant descendent\u0103 din 2009 \u00eencoace. Aici, ele au pornit de la un nivel mediu de circa 1.160 de euro pe metru p\u0103trat util \u00een 2009, au ajuns la 1.040 de euro \ufeff\ufeffpe metru p\u0103trat \u00een 2011, apoi la 995 de euro pe metru p\u0103trat \u00een 2012 \u015fi la 975 de euro pe metru p\u0103trat \u00een primele trei luni din 2013. <\/p>\n<p><em><strong>Cite\u0219te \u0219i:<br \/>\n<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/apartamente\/prima-casa-mai-scumpa-acum-decat-in-2011-variatia-preturilor-de-achizitie-din-2009-incoace_db\/\">&#8222;Prima Cas\u0103&#8221;, mai scump\u0103 acum dec\u00e2t \u00een 2011. Varia\u021bia pre\u021burilor din 2009 \u00eencoace<\/a><br \/>\n<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/articole\/costurile-unui-upgrade-de-locuinta-s-au-redus-si-cu-peste-50-fata-de-2008-cat-te-costa-o-camera-in-plus-2_db\/\">Costurile unui &#8222;upgrade&#8221; de locuin\u021b\u0103 s-au redus \u0219i cu peste 50% fa\u021b\u0103 de 2008. C\u00e2t te cost\u0103 o camer\u0103 \u00een plus<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen afara Capitalei, finan\u021b\u0103rile accesate de c\u0103tre popula\u021bie sunt cu aproape 18% mai mici dec\u00e2t cele din Bucure\u0219ti. \u00cen actualul context economic, mai bine de jum\u0103tate dintre rom\u00e2nii care vor s\u0103-\u0219i cumpere o cas\u0103 apeleaz\u0103 la o finan\u021bare bancar\u0103. Disponibilitatea de a se \u00eemprumuta r\u0103m\u00e2ne \u00eens\u0103 redus\u0103, semnificativ sub pragul-etalon impus de programul Prima Cas\u0103, [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":25168,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[306,1410,451],"content_author":[],"class_list":["post-25165","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","tag-articole","tag-newsletter","tag-proprietar"],"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>6 din 10 rom\u00e2ni \u00ee\u0219i iau cas\u0103 pe credit. C\u00e2t sunt dispu\u0219i s\u0103 \u00eemprumute \u0219i ce fel de locuin\u021be prefer\u0103 - Credite - ImoExpert<\/title>\n<meta name=\"description\" content=\"\u00cen afara Capitalei, finan\u021b\u0103rile accesate de c\u0103tre popula\u021bie sunt cu aproape 18% mai mici dec\u00e2t cele din Bucure\u0219ti. \u00cen actualul context economic, mai bine\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/6-din-10-romani-isi-iau-casa-pe-credit-cat-sunt-dispusi-sa-imprumute-si-ce-fel-de-locuinte-prefera_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6 din 10 rom\u00e2ni \u00ee\u0219i iau cas\u0103 pe credit. 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