{"id":25370,"date":"2013-06-06T18:16:44","date_gmt":"2013-06-06T15:16:44","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=25370_db\/"},"modified":"2013-06-06T18:16:44","modified_gmt":"2013-06-06T15:16:44","slug":"fondurile-pentru-prima-casa-se-topesc-iar-noua-casa-ramane-doar-o-idee-ce-se-intampla-cand-banii-se-termina","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/fondurile-pentru-prima-casa-se-topesc-iar-noua-casa-ramane-doar-o-idee-ce-se-intampla-cand-banii-se-termina_db\/","title":{"rendered":"Fondurile pentru Prima Cas\u0103 se \u201etopesc\u201d, iar Noua Cas\u0103 r\u0103m\u00e2ne doar o idee. Ce se \u00eent\u00e2mpl\u0103 c\u00e2nd banii se termin\u0103?"},"content":{"rendered":"

\"plan\"<\/a>Mai bine de jum\u0103tate din plafonul de garantare alocat pentru 2013 a fost epuizat.<\/strong><\/p>\n

La sf\u00e2r\u0219itul lui 2012, reprezentan\u0163ii Guvernului USL \u00ee\u0219i anun\u0163au inten\u0163ia de a transforma programul Prima Cas\u0103 \u00een \u201eNoua Cas\u0103\u201d. \u00cen noua formul\u0103, cei care ar solicita un credit co-garantat de c\u0103tre stat ar putea s\u0103 aleag\u0103 doar dintre unit\u0103\u021bi locative nou-construite. De\u0219i de atunci a trecut aproape jum\u0103tate de an, planurile autorit\u0103\u021bilor de a implementa un nou program de sus\u021binere a achizi\u021biilor de locuin\u021be – noi, de data aceasta – a r\u0103mas doar la statutul de idee. Nici reprezentan\u021bii Ministerului de Finan\u021be, nici cei ai Ministerului Economiei nu au furnizat detalii concrete despre stadiul \u00een care s-ar afla o asemenea ini\u021biativ\u0103.<\/p>\n

Cu 10% mai multe cereri dec\u00e2t \u00een 2012<\/strong>
\n\u00centre timp \u00eens\u0103, fondurile alocate de c\u0103tre stat pentru acordarea de garan\u021bii \u00een cadrul programului Prima Cas\u0103 se duc v\u0103z\u00e2nd cu ochii: peste jum\u0103tate din bani au fost deja cheltui\u021bi \u00een mai pu\u021bin de jum\u0103tate de an. \u201e\u00cen primele cinci luni ale anului 2013 au fost acordate circa 11.000 de garan\u021bii, pentru finan\u021b\u0103ri accesate \u00een valoare de circa 410 milioane de euro, \u00eenregistr\u00e2ndu-se o cre\u0219tere cu 10% fa\u021b\u0103 de aceea\u0219i perioad\u0103 a anului 2012, c\u00e2nd au fost acordate circa 10.000 de garan\u021bii, pentru finan\u021b\u0103ri accesate \u00een valoare de circa 360 milioane de euro\u201d, au declarat pentru Imobiliare.ro<\/a><\/strong> reprezentan\u021bii Fondului Na\u021bional de Garantare a Creditelor pentru \u00centreprinderi Mici \u0219i Mijlocii (FNGCIMM). \u00cen prezent, pentru programul Prima Cas\u0103 mai este disponibil\u0103 suma de 370 milioane de euro pentru finan\u021barea achizi\u021biilor de locuin\u021be \u00een 2013. Dac\u0103 ritmul accelerat de acordare a creditelor se va men\u021bine \u00een urm\u0103toarele luni, exist\u0103 toate \u0219ansele ca plafonul s\u0103 fie epuizat \u00eenainte de finalul anului, probabil prin luna octombrie.<\/p>\n

\nEvolu\u0163ia anual\u0103 a num\u0103rului \u015fi volumului de credite Prima Cas\u0103 acordate p\u00e2n\u0103 \u00een prezent:<\/strong><\/p>\n\n<\/tbody>\n<\/table>\n
\n\n\n\n\n\n\n\n\n
An:<\/strong><\/td>\nNum\u0103r garan\u0163ii:<\/strong><\/td>\nFinan\u0163are:<\/strong><\/td>\n<\/tr>\n
2009<\/td>\n12.000<\/td>\n495 mil. euro<\/td>\n<\/tr>\n
2010<\/td>\n23.000<\/td>\n935 mil. euro<\/td>\n<\/tr>\n
2011<\/td>\n19.000<\/td>\n740 mil. euro<\/td>\n<\/tr>\n
2012<\/td>\n27.000<\/td>\n1,01 mld. euro<\/td>\n<\/tr>\n
2013<\/td>\n11.000<\/td>\n410 mil. euro<\/td>\n<\/tr>\n
Total:<\/td>\n92.000<\/td>\n3,59 mld. euro<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Sursa: FNGCIMM<\/strong><\/em>\n<\/div>\n

O \u00eentoarcere la blocajul din 2008-2009?<\/strong>
\nSuspendarea programului Prima Cas\u0103 f\u0103r\u0103 ca acesta s\u0103 fie \u00eenlocuit cu unul nou ar putea fi o lovitur\u0103 puternic\u0103 pentru pia\u021ba reziden\u021bial\u0103, \u00een condi\u021biile \u00een care, \u00een momentul de fa\u021b\u0103, majoritatea tranzac\u021biilor cu locuin\u021be au loc prin intermediul acestui program. \u201e\u00cen varianta \u00een care nu o s\u0103 avem nici Prima Cas\u0103, nici Noua Cas\u0103, nu o s\u0103 mai putem vorbi despre o pia\u021b\u0103 a tranzac\u021biilor cu locuin\u021be\u201d, spune Ioan Sorin Ro\u015fu, directorul general al companiei Apulum \u201994 (agen\u0163ie imobiliar\u0103 \u015fi, totodat\u0103, companie dezvoltatoare a trei ansambluri reziden\u021biale \u00een zona Prelungirea Ghencea din Bucure\u0219ti). Acesta precizeaz\u0103 c\u0103, dincolo de accesul concret la finan\u021bare, cel mai important efect al programului guvernamental a fost unul psihologic: siguran\u021ba dat\u0103 cump\u0103r\u0103torilor, care a condus la o rea\u0219ezare a pie\u021bei. Suspendarea acestuia ar duce probabil la o re\u00eentoarcere la blocajul din primii ani de criz\u0103, 2008-2009, c\u00e2nd nimeni nu \u00eencheia tranzac\u021bii, pentru c\u0103 aveau impresia c\u0103 achizi\u021bioneaz\u0103 un imobil aflat \u00een proces de devalorizare. Ro\u0219u este de p\u0103rere c\u0103 dezvoltatorii nu vor putea sus\u021bine v\u00e2nz\u0103rile f\u0103r\u0103 acest program, pentru c\u0103, f\u0103r\u0103 avansul sc\u0103zut permis la creditele de tip Prima Cas\u0103 (5% fa\u021b\u0103 de 25% la \u00eemprumuturile standard), accesul popula\u021biei la creditare este, de fapt, foarte redus.<\/p>\n

Un program important \u0219i pentru cump\u0103r\u0103tori, \u0219i pentru dezvoltatori <\/strong>
\n\u0218i Gabriel Voicu, manager New Homes Division \u00een cadrul companiei Coldwell Banker Affiliates of Romania, crede \u00een importan\u021ba continu\u0103rii programului guvernamental, \u00eentr-o formul\u0103 sau alta. \u201ePrima Cas\u0103 va func\u021biona \u00een continuare \u00een 2013, iar pentru viitor trebuie s\u0103 se implementeze o nou\u0103 etap\u0103 a programului sau s\u0103 fie g\u0103sit\u0103 o solu\u021bie similar\u0103 care s\u0103 faciliteze achizi\u021bia unei locuin\u021be. S\u0103 nu uit\u0103m c\u0103 programul are o importan\u021b\u0103 semnificativ\u0103 pentru cump\u0103r\u0103tori\u201d, subliniaz\u0103 acesta. O astfel de m\u0103sur\u0103 ar avea o importan\u021b\u0103 semnificativ\u0103 \u0219i pentru segmentul locuin\u021belor noi, precizeaz\u0103 Voicu. \u00cen pia\u021b\u0103 exist\u0103 numero\u0219i dezvoltatori care s-au adaptat cererii actuale \u0219i au dezvoltat locuin\u021be noi ce pot fi achizi\u021bionate cu ajutorul unui credit co-garantat de c\u0103tre stat. Astfel de locuin\u021be prezint\u0103 interes pentru poten\u021bialii clien\u021bi, comparativ cu achizi\u021bionarea unei locuin\u021be care are deja o vechime de 30 sau 40 de ani, consider\u0103 reprezentantul Coldwell Banker.<\/p>\n

\n\u00centre vechi \u0219i nou:<\/strong>
\n\u00cenc\u0103 de la demararea programului Prima Cas\u0103, \u00een vara lui 2009, acesta s-a dorit a fi o m\u0103sur\u0103 de stimulare a economiei prin revigorarea sectorului construc\u021biilor de locuin\u021be. Cu toate acestea, cele mai populare \u00een ochii cump\u0103r\u0103torilor au fost apartamentele din blocurile vechi, at\u00e2t datorit\u0103 localiz\u0103rii favorabile, \u00een apropiere de mijloacele de transport \u00een comun, c\u00e2t \u0219i datorit\u0103 suprafe\u021belor mai reduse \u0219i, implicit, pre\u021burilor totale mai mici. Ultimii ani de criz\u0103 au adus \u00eens\u0103 o cre\u0219tere a apetitului pentru achizi\u021bia de unit\u0103\u021bi locative nou-construite, \u00een contextul \u00een care dezvoltatorii au venit pe pia\u021b\u0103 cu oferte adaptate la noile condi\u021bii de pia\u021b\u0103. Astfel, ponderea acestui tip de propriet\u0103\u0163i \u00een totalul tranzac\u0163iilor realizate prin Prima Cas\u0103 a crescut de la o pondere de 29% \u00een 2011 la 31% \u00een 2012 \u0219i la 34% \u00een primul trimestru din 2013, potrivit datelor FNGCIMM. <\/div>\n","protected":false},"excerpt":{"rendered":"

Mai bine de jum\u0103tate din plafonul de garantare alocat pentru 2013 a fost epuizat. La sf\u00e2r\u0219itul lui 2012, reprezentan\u0163ii Guvernului USL \u00ee\u0219i anun\u0163au inten\u0163ia de a transforma programul Prima Cas\u0103 \u00een \u201eNoua Cas\u0103\u201d. \u00cen noua formul\u0103, cei care ar solicita un credit co-garantat de c\u0103tre stat ar putea s\u0103 aleag\u0103 doar dintre unit\u0103\u021bi locative nou-construite. […]<\/p>\n","protected":false},"author":829,"featured_media":25371,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[306],"content_author":[],"class_list":["post-25370","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","tag-articole"],"yoast_head":"\nFondurile pentru Prima Cas\u0103 se \u201etopesc\u201d, iar Noua Cas\u0103 r\u0103m\u00e2ne doar o idee. 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