{"id":25550,"date":"2013-06-21T11:34:18","date_gmt":"2013-06-21T08:34:18","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=25550_db\/"},"modified":"2013-06-21T11:34:18","modified_gmt":"2013-06-21T08:34:18","slug":"creditele-pentru-casa-in-lei-se-ieftinesc-care-sunt-cele-mai-bune-oferte-ale-bancilor","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/creditele-pentru-casa-in-lei-se-ieftinesc-care-sunt-cele-mai-bune-oferte-ale-bancilor_db\/","title":{"rendered":"Creditele pentru cas\u0103 \u00een lei se ieftinesc! Care sunt cele mai bune oferte ale b\u0103ncilor"},"content":{"rendered":"

\u00cen ultimele luni, concuren\u021ba pe acest segment s-a intensificat, cu efecte pozitive pentru consumatori.<\/strong><\/p>\n

La sf\u00e2r\u0219itul anului trecut, cele mai mari b\u0103nci dup\u0103 active din Rom\u00e2nia – BCR \u0219i BRD \u2013 f\u0103ceau un pas important: este vorba despre lansarea creditului Prima Cas\u0103 \u00een lei, dup\u0103 ce timp de trei ani \u0219i jum\u0103tate acordaser\u0103 astfel de \u00eemprumuturi numai \u00een euro. \u00centre timp, celelalte b\u0103nci din pia\u021b\u0103 au venit cu produse tot mai competitive \u00een moneda na\u021bional\u0103.<\/p>\n

\"http:\/\/www.dreamstime.com\/stock-photos-romanian-money-bills-lei-image17534803\"<\/a>Sc\u0103derea ROBOR contribuie la reducerea dob\u00e2nzilor<\/strong>
\nUn efect pozitiv al \u201eascu\u021birii\u201d concuren\u021bei pe acest segment const\u0103 \u00een ieftinirea creditelor<\/a> \u00een lei. Astfel, dac\u0103 \u00een toamna anului trecut, cea mai mic\u0103 Dob\u00e2nd\u0103 Anual\u0103 Efectiv\u0103 (DAE) pentru un credit Prima Cas\u0103 \u00een moneda na\u021bional\u0103 era de 8,33% (la CEC Bank), ast\u0103zi, cea mai bun\u0103 ofert\u0103, de 7,15%, o are BCR (pentru clien\u021bii care \u00ee\u0219i primesc salariul prin banc\u0103), potrivit site-ului Conso.ro. Asta \u00een contextul \u00een care, la momentul lans\u0103rii acestui produs, dob\u00e2nda minim\u0103 practicat\u0103 de cea din urm\u0103 banc\u0103 era de 8,88%. \u201eBCR a venit \u015fi va veni \u00een continuare cu modific\u0103ri de costuri \u00een vederea sus\u0163inerii credit\u0103rii \u00een moneda na\u0163ional\u0103, astfel \u00eenc\u00e2t s\u0103 \u00eenlesneasc\u0103 op\u0163iunea natural\u0103 a clientului de a alege contractarea unui credit \u00een moneda \u00een care realizeaz\u0103 veniturile, respectiv lei versus euro. Trendul descresc\u0103tor \u00eenregistrat \u00een ultima perioad\u0103 al indicelui ROBOR, precum \u015fi eliminarea riscului valutar conduc la \u015ftergerea diferen\u0163ei dintre costul total al unui credit \u00een euro \u015fi al unui credit acordat \u00een lei\u201c, subliniaz\u0103 reprezentan\u021bii b\u0103ncii. <\/p>\n

\u201c\u00cen teorie, \u00een Rom\u00e2nia, majoritatea v\u00e2nz\u0103torilor \u015fi cump\u0103r\u0103torilor negociaz\u0103 pre\u0163ul propriet\u0103\u0163ilor imobiliare \u00een euro dar, \u00een practic\u0103, sunt din ce \u00een ce mai multe cazuri \u00een care moneda utilizat\u0103 este leul. Astfel, \u00eent\u00e2lnim poten\u0163iali cump\u0103r\u0103tori care au venituri \u00een lei, economisesc pentru avansul la cas\u0103 prin constituirea de depozite \u00een lei \u015fi acceseaz\u0103 creditul pentru cump\u0103rarea locuin\u0163ei \u00een lei. Totodat\u0103, v\u00e2nz\u0103torul constituie cu banii primi\u0163i depozite bancare \u00een lei.\u201d <\/p>\n

Teodor Mincu, Seful Biroului Intermediari din cadrul BCR<\/strong><\/em><\/p><\/blockquote>\n

Rata lunar\u0103 la lei, cu o treime mai mare dec\u00e2t la euro<\/strong>
\n\u00cen ciuda tendin\u021bei generale de ieftinire, creditele Prima Cas\u0103 \u00een lei r\u0103m\u00e2n totu\u0219i mai scumpe dec\u00e2t cele \u00een euro. Potrivit conso.ro<\/a>, cea mai mic\u0103 DAE pentru \u00eemprumuturile \u00een moneda european\u0103 este oferit\u0103 \u00een prezent de Alpha Bank, respectiv 4,7%. Practic, asta \u00eenseamn\u0103 c\u0103, pentru un \u00eemprumut de circa 44.000 de euro (echivalentul a 200.000 de lei) contractat pe o perioad\u0103 de 30 de ani, un client va avea de pl\u0103tit lunar circa 215 euro (aproape 975 de lei). Spre compara\u021bie, pentru un credit similar, dar \u00een lei, un beneficiar al programului guvernamental va trebui s\u0103 scoat\u0103 din buzunar 1.257 de lei pe lun\u0103 \u2013 adic\u0103 cu aproape circa 29% mai mult.<\/p>\n

Diferen\u021ba este \u0219i mai accentuat\u0103 la \u00eemprumuturile standard pentru achizi\u021bia unei locuin\u021be. Cea mai mic\u0103 dob\u00e2nd\u0103 la lei \u2013 6,65% – este practicat\u0103 tot de BCR (pentru clien\u021bii care au op\u021biunea de virare a venitului prin banc\u0103), urmat\u0103 de ING, cu 6,69%. Asta \u00eenseamn\u0103 c\u0103, pentru un credit imobiliar de 200.000 de lei, pe o perioad\u0103 de 30 de ani, un client va trebui s\u0103 pl\u0103teasc\u0103 1.231 de lei lunar. Pe de alt\u0103 parte, la euro, Banca Italo-Romena ofer\u0103 o DAE de 5,5%, ceea ce echivaleaz\u0103 cu o rat\u0103 lunar\u0103 de 203 euro (circa 920 de lei). Practic, pentru a accesa un credit standard \u00een lei, un client va trebui s\u0103 pl\u0103teasc\u0103 cu 33,8% mai mult dec\u00e2t pentru unul echivalent \u00een moneda european\u0103. <\/p>\n","protected":false},"excerpt":{"rendered":"

\u00cen ultimele luni, concuren\u021ba pe acest segment s-a intensificat, cu efecte pozitive pentru consumatori. La sf\u00e2r\u0219itul anului trecut, cele mai mari b\u0103nci dup\u0103 active din Rom\u00e2nia – BCR \u0219i BRD \u2013 f\u0103ceau un pas important: este vorba despre lansarea creditului Prima Cas\u0103 \u00een lei, dup\u0103 ce timp de trei ani \u0219i jum\u0103tate acordaser\u0103 astfel de […]<\/p>\n","protected":false},"author":829,"featured_media":25551,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[480,1410,1411],"content_author":[],"class_list":["post-25550","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","tag-cumparator","tag-newsletter","tag-principal"],"yoast_head":"\nCreditele pentru cas\u0103 \u00een lei se ieftinesc! 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