{"id":26163,"date":"2013-07-30T14:12:32","date_gmt":"2013-07-30T11:12:32","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=26163"},"modified":"2013-07-30T14:12:32","modified_gmt":"2013-07-30T11:12:32","slug":"prima-casa-doar-in-lei-o-masura-buna-sau-rea-avantaje-si-dezavantaje-pentru-tine","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/prima-casa-doar-in-lei-o-masura-buna-sau-rea-avantaje-si-dezavantaje-pentru-tine_db\/","title":{"rendered":"Prima Cas\u0103, doar \u00een lei. O m\u0103sur\u0103 bun\u0103 sau rea? Avantaje \u0219i dezavantaje pentru tine"},"content":{"rendered":"

\"http:\/\/www.dreamstime.com\/royalty-free-stock-photography-romanian-currency-briefcase-image28849837\"<\/a>Statul vrea s\u0103 prelungeasc\u0103 programul guvernamental, dar cu ceva restric\u021bii<\/strong><\/p>\n

Dac\u0103 te numeri printre cei care vor s\u0103 fac\u0103 o achizi\u021bie printr-un credit de tip Prima Cas\u0103, po\u021bi r\u0103sufla u\u0219urat: reprezentan\u021bii statului se arat\u0103 dornici s\u0103 continue acest program. Este cazul \u00eens\u0103 s\u0103 te preg\u0103te\u0219ti pentru o schimbare, \u00eentruc\u00e2t autorit\u0103\u021bile vor s\u0103 urmeze recomand\u0103rile B\u0103ncii Na\u021bionale Rom\u00e2ne (BNR) de a sus\u021bine creditarea \u00een moneda na\u021bional\u0103. \u201ePentru anul 2013 se propune suplimentarea plafonului garan\u0163iilor (…) cu 1 miliard RON, din care 300 milioane RON sunt destinate pentru achizi\u0163ia locuin\u0163elor construite de Agen\u0163ia Na\u0163ional\u0103 pentru Locuin\u0163e, \u00een scopul valorific\u0103rii stocului de locuin\u0163e ANL existent, iar garan\u0163iile se vor acorda numai \u00een moned\u0103 na\u0163ional\u0103 \u015fi se vor pl\u0103ti \u00een moned\u0103 na\u0163ional\u0103\u201d, se arat\u0103 \u00eentr-un proiect de Hot\u0103r\u00e2re publicat pe Ministerul Finan\u021belor Publice (MFP).<\/p>\n

Practic, asta \u00eenseamn\u0103 c\u0103 cei care vor dori s\u0103 acceseze un credit co-garantat de c\u0103tre stat \u00een baza noului plafon alocat se vor putea \u00eemprumuta doar \u00een lei. Costul unei astfel de finan\u0163\u0103ri se va compune din rata dob\u00e2nzii ROBOR la 3 luni, plus o marj\u0103 fix\u0103, de maximum 2,5% pe an (aceasta nu va include \u015fi nivelul total al comisioanelor percepute de c\u0103tre finan\u0163ator, costul evalu\u0103rii imobilului, comisionul de gestiune datorat FNGCIMM, costul evalu\u0103rii terenului, locuin\u0163ei, devizelor estimative \u015fi situa\u0163iilor de lucr\u0103ri etc.).<\/p>\n

\u201eConteaz\u0103 foarte mult cum se concretizeaz\u0103 aceast\u0103 ofert\u0103 c\u0103tre consumatorul final. \u00cen func\u021bie de asta, aceast\u0103 m\u0103sur\u0103 poate fi bun\u0103 sau rea. Totul depinde de b\u0103nci. Programul Prima Cas\u0103 \u00een lei este valabil de mult timp, dar nu a fost at\u00e2t de accesat din cauza costurilor. Dac\u0103 b\u0103ncile au \u00eentr-adev\u0103r bani pe care vor s\u0103-i aloce pentru acest program, vor sc\u0103dea costurile \u00eemprumuturilor \u00een lei, pentru a le face mai atractive.\u201d<\/p>\n

Ioan Sorin Ro\u0219u, directorul Apulum ’94<\/strong><\/em><\/p><\/blockquote>\n

Pia\u021ba poate trece la tranzac\u021bii \u00een moneda na\u021bional\u0103<\/strong>
\nPrincipalul avantaj al acestei schimb\u0103ri const\u0103 \u00een eliminarea riscului valutar din ecua\u021bia contract\u0103rii unui credit ipotecar \u2013 risc pus momentan \u00een umbr\u0103 de nivelul foarte sc\u0103zut al indicelui EURIBOR. \u201eAceast\u0103 m\u0103sur\u0103 poate fi benefic\u0103 pentru clien\u021bi, dat fiind c\u0103 majoritatea au venituri \u00een lei \u0219i astfel nu ar mai fi afecta\u021bi de riscul valutar\u201d, spune Ioan Sorin Ro\u0219u, directorul Apulum ’94, agen\u021bie imobiliar\u0103 \u0219i companie dezvoltatoare de proiecte reziden\u021biale. \u00cen opinia sa, trecerea de la euro la lei nu ar trebui s\u0103 fie o problem\u0103 nici din partea v\u00e2nz\u0103torilor. \u201eUn dezvoltator este obligat s\u0103 se adapteze la pia\u021b\u0103. Dac\u0103 vine un client \u0219i-mi spune c\u0103-mi pl\u0103te\u0219te \u00een forin\u021bi, eu \u00eemi fac un calcul \u0219i, dac\u0103 este rentabil pentru mine, \u00eei v\u00e2nd \u00een forin\u021bi\u201d, spune Ro\u0219u. Acesta precizeaz\u0103 c\u0103 tranzac\u021biile \u00eencheiate \u00een euro au dezavantaje \u0219i pentru v\u00e2nz\u0103tori: ace\u0219tia sunt afecta\u021bi deopotriv\u0103 de riscul valutar \u0219i suport\u0103 pierderi la cursul de schimb dac\u0103 vor s\u0103 schimbe sumele \u00eencasate \u00een lei.<\/p>\n

Rata la lei, cu 30% mai mare dec\u00e2t la euro<\/strong>
\nPe de alt\u0103 parte, restric\u021bionarea credit\u0103rii prin Prima Cas\u0103 la moneda na\u021bional\u0103 aduce cu sine \u0219i un dezavantaj, respectiv costuri mai mari ale finan\u021b\u0103rii. \u00cen momentul de fa\u021b\u0103, rata la un credit co-garantat de c\u0103tre stat \u00een lei este cu aproape 30% mai mare dec\u00e2t a unui \u00eemprumut similar, dar \u00een valut\u0103. Potrivit conso.ro<\/a>, cea mai mic\u0103 Dob\u00e2nd\u0103 Anual\u0103 Efectiv\u0103 (DAE) practicat\u0103 \u00een prezent pentru un credit Prima Cas\u0103 \u00een lei este de 7,06%. Asta \u00eenseamn\u0103 c\u0103, pentru un \u00eemprumut de 200.000 de RON contractat pe 30 de ani, un beneficiar va trebui s\u0103 pl\u0103teasc\u0103 lunar la banc\u0103 o rat\u0103 de 1.245 de lei. Pentru un \u00eemprumut echivalent \u00een moneda european\u0103 (\u00een valoare de 45.460 de euro), nivelul minim al DAE este de 4,72%, astfel \u00eenc\u00e2t rata lunar\u0103 ajunge la 220 de euro (aproximativ 967 de lei). Practic, pentru cel mai ieftin credit \u00een lei un cump\u0103r\u0103tor prin Prima Cas\u0103 trebuie s\u0103 pl\u0103teasc\u0103 cu 28,7% mai mult dec\u00e2t pentru echivalentul s\u0103u \u00een euro.<\/p>\n

Ieftinirea creditelor \u00een lei, o m\u0103sur\u0103 a\u0219teptat\u0103<\/strong>
\nChiar dac\u0103 \u00een prezent creditele \u00een lei sunt mai scumpe fa\u021b\u0103 de cele \u00een euro, s-ar p\u0103rea c\u0103, pe termen scurt \u0219i mediu, tendin\u021ba acestora este de ieftinire. Din toamna anului trecut p\u00e2n\u0103 \u00een prezent, nivelul minim al DAE practicat pe acest segment a sc\u0103zut cu mai bine de un punct procentual, de la 8,33% p\u00e2n\u0103 la pragul actual de 7,06%. Cel pu\u021bin la nivel declarativ, b\u0103ncile inten\u021bioneaz\u0103 s\u0103 mearg\u0103 \u00een continuare \u00een aceast\u0103 direc\u021bie. Recent, reprezentan\u021bii B\u0103ncii Ccomerciale Rom\u00e2ne (BCR), cea mai mare banc\u0103 dup\u0103 active din Rom\u00e2nia, declarau: \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\u201d.<\/p>\n

Cite\u0219te \u0219i: Creditele pentru cas\u0103 \u00een lei se ieftinesc! Care sunt cele mai bune oferte ale b\u0103ncilor<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Statul vrea s\u0103 prelungeasc\u0103 programul guvernamental, dar cu ceva restric\u021bii Dac\u0103 te numeri printre cei care vor s\u0103 fac\u0103 o achizi\u021bie printr-un credit de tip Prima Cas\u0103, po\u021bi r\u0103sufla u\u0219urat: reprezentan\u021bii statului se arat\u0103 dornici s\u0103 continue acest program. Este cazul \u00eens\u0103 s\u0103 te preg\u0103te\u0219ti pentru o schimbare, \u00eentruc\u00e2t autorit\u0103\u021bile vor s\u0103 urmeze recomand\u0103rile B\u0103ncii […]<\/p>\n","protected":false},"author":829,"featured_media":26166,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[480,1410,1548,1411],"content_author":[],"class_list":["post-26163","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-stiri","tag-cumparator","tag-newsletter","tag-prima-casa","tag-principal"],"yoast_head":"\nPrima Cas\u0103, doar \u00een lei. O m\u0103sur\u0103 bun\u0103 sau rea? 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