{"id":26282,"date":"2013-08-05T10:00:49","date_gmt":"2013-08-05T07:00:49","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=26282"},"modified":"2013-08-05T10:00:49","modified_gmt":"2013-08-05T07:00:49","slug":"in-lei-prima-casa-are-costuri-similare-cu-ipotecarele-standard-vezi-cat-va-trebui-sa-scoti-din-buzunar-pentru-o-casa","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/in-lei-prima-casa-are-costuri-similare-cu-ipotecarele-standard-vezi-cat-va-trebui-sa-scoti-din-buzunar-pentru-o-casa_db\/","title":{"rendered":"\u00cen lei, Prima Cas\u0103 are costuri similare cu ipotecarele standard. Vezi c\u00e2t va trebui s\u0103 sco\u021bi din buzunar pentru o cas\u0103"},"content":{"rendered":"<p><strong>\u00cen pia\u021b\u0103 exist\u0103 \u0219i \u00eemprumuturi mult mai scumpe dec\u00e2t cele co-garantate de c\u0103tre stat, dat fiind c\u0103 aici b\u0103ncile nu sunt restric\u021bionate de stat la stabilirea dob\u00e2nzii.<\/strong><\/p>\n<p>\u00cen perioada de criz\u0103, creditele ipotecare de tip Prima Cas\u0103 au devenit preferatele cump\u0103r\u0103torilor de pe segmentul mediu, datorit\u0103 costurilor semnificativ mai sc\u0103zute fa\u021b\u0103 de \u00eemprumuturile standard. Inten\u021bia autorit\u0103\u021bilor de a restric\u021biona programul guvernamental la moneda na\u021bional\u0103 echilibreaz\u0103 \u00eens\u0103 balan\u021ba, aduc\u00e2nd creditele Prima Cas\u0103 la un nivel de costuri similar cu ipotecarele standard.<\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/08\/ceremcredit.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-medium wp-image-26283\" alt=\"http:\/\/www.dreamstime.com\/-image13337956\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/08\/ceremcredit-300x183.jpg\" width=\"300\" height=\"183\" \/><\/a><strong>1.245 de RON, rata la un credit de 200.000 de lei<\/strong><br \/>\nPotrivit conso.ro, \u00een momentul de fa\u021b\u0103 cea mai accesibil\u0103 ofert\u0103 \u00een lei pentru Prima Cas\u0103 este cea a OTP Bank, care prevede o Dob\u00e2nd\u0103 Anual\u0103 Efectiv\u0103 (DAE) de 7,06%. Pentru un \u00eemprumut de 200.000 de RON contractat pe o perioad\u0103 de 30 de ani, rata lunar\u0103 pe care ar trebui s-o pl\u0103teasc\u0103 un beneficiar ar fi de 1.245 de RON, \u00een vreme ce suma total\u0103 de rambursat ar ajunge la 468.474 de lei.<\/p>\n<p>Pe de alt\u0103 parte, cel mai ieftin credit ipotecar \u00een lei, cu o DAE de 6,8%, este oferit de Banca Comercial\u0103 Rom\u00e2n\u0103 (BCR) clien\u021bilor care \u00ee\u0219i primesc veniturile \u00een conturile b\u0103ncii. Pentru acela\u0219i \u00eemprumut de 200.000 de RON, rata lunar\u0103 se ridic\u0103 la 1.231 de RON, \u00een vreme ce suma total\u0103 de rambursat este de 458.597 de RON. Practic, asta \u00eenseamn\u0103 c\u0103 cel mai ieftin credit Prima Cas\u0103 \u00een lei este cu 10.000 de lei mai scump dec\u00e2t cel mai accesibil \u00eemprumut ipotecar standard (la sf\u00e2r\u0219itul celor 30 de ani).<\/p>\n<p><strong>Cel mai scump produs ipotecar ajunge la o DAE de aproape 14%<\/strong><br \/>\nBine\u00een\u021beles, \u00een pia\u021b\u0103 exist\u0103 \u0219i credite ipotecare semnificativ mai scumpe dec\u00e2t cele de tip Prima Cas\u0103, dat fiind c\u0103 la cele din urm\u0103 plaja de dob\u00e2nzi este limitat\u0103 de marja fix\u0103 de 2,5% impus\u0103 de c\u0103tre stat (ce se adaug\u0103 la valoarea indicelui ROBOR la trei luni). Astfel, cel mai scump \u00eemprumut standard ajunge la o DAE de aproape 14%, caz \u00een care rata lunar\u0103 pentru creditul de 200.000 de RON se ridic\u0103 la 2.175 de RON, iar suma total\u0103 de rambursat este de aproape patru ori mai mare dec\u00e2t cea contractat\u0103 (795.664 de RON). Spre compara\u021bie, cel mai scump credit Prima Cas\u0103 \u00een lei ajunge la o DAE de 7,88%, presupune o rat\u0103 de 1.382 de RON pe lun\u0103 \u0219i o sum\u0103 total\u0103 de rambursat de 503.873 de RON.<\/p>\n<blockquote><p>\u201eV\u00e2nz\u0103rile de credite pentru investi\u0163ii imobiliare standard au crescut \u00een ultima perioad\u0103. Clien\u0163ii sunt din ce \u00een ce mai interesa\u0163i de creditele \u00een lei, \u00een\u0163eleg\u00e2nd avantajele legate de eliminarea riscului valutar \u015fi posibilitatea acces\u0103rii unei sume mai ridicate. Aceasta se coreleaz\u0103 cu trendul descresc\u0103tor al indicelui ROBOR, care a condus la reducerea semnificativ\u0103 a diferen\u0163ei dintre costul total al unui credit \u00een euro \u015fi al unui credit acordat \u00een lei.\u201d<\/p>\n<p><em><strong>Andrew Gerber, Director de Management al Produselor de Retail, BCR<\/strong><\/em><\/p><\/blockquote>\n<p><strong>Avansul mic, asul din m\u00e2neca programului guvernamental<\/strong><br \/>\nPractic, odat\u0103 cu limitarea la moneda na\u021bional\u0103, singurul avantaj al creditelor de tip Prima Cas\u0103 r\u0103m\u00e2ne avansul mic, de 5%. Spre compara\u021bie, avansul minim practicat de b\u0103nci pentru celelalte produse ipotecare este de 15%. \u00cen opinia lui Claudiu Ha\u021began, broker\/owner al agen\u021biei Klauss &amp; Partners, at\u00e2t timp c\u00e2t aceast\u0103 prevedere se va p\u0103stra, programul Prima Cas\u0103 va merge nestingherit mai departe. La \u00eenceput clien\u021bii vor manifesta o reticen\u021b\u0103 fa\u021b\u0103 de \u00eemprumuturile \u00een lei, pentru c\u0103 nu au \u00eencredere \u00een moneda na\u021bional\u0103, dar dup\u0103 aceea pia\u021ba se va regla. Potrivit lui Ha\u021began, cump\u0103r\u0103torii ar trebui s\u0103 se obi\u0219nuiasc\u0103 cu aceast\u0103 situa\u021bie, pentru c\u0103 tr\u0103iesc \u00een Rom\u00e2nia, au salarii \u00een lei \u0219i astfel vor avea mai mult\u0103 stabilitate. De aceea\u0219i p\u0103rere sunt \u0219i reprezentan\u021bii dezvoltatorului imobiliar Adama. \u201eVorbim despre o nou\u0103 situa\u021bie \u00een pia\u021b\u0103, despre noi condi\u021bii \u0219i despre o oarecare confuzie din cauza faptului c\u0103 \u00een ultima perioad\u0103 au fost b\u0103nci care acordau credite Prima Cas\u0103 \u00een euro, altele care nu mai acordau dec\u00e2t \u00een RON sau nu mai aveau fonduri deloc. Va fi \u00eens\u0103 o perioad\u0103-tampon, de scurt\u0103 durat\u0103. Treptat \u00eens\u0103, suntem convin\u0219i c\u0103 pia\u021ba se va rea\u0219eza \u0219i este \u0219i un semnal pe care \u00eel primim \u00een continuare de la clien\u021bi \u2013 vor continua s\u0103 se orienteze c\u0103tre un credit Prima Cas\u0103, dar \u0219i c\u0103tre alte credite standard\u201d, subliniaz\u0103 Alina Necula, directorul de marketing \u0219i v\u00e2nz\u0103ri al Adama.<\/p>\n<p><strong>BCR: Cererea de credite \u00een lei s-a dublat din toamna trecut\u0103<\/strong><br \/>\n\u00cen ceea ce prive\u0219te adaptarea popula\u021biei la mentalitatea creditelor \u00een moneda na\u021bional\u0103, b\u0103ncile sunt optimiste. BCR, prima banc\u0103 care a renun\u021bat la \u00eemprumuturile \u00een moneda european\u0103, a anun\u021bat o cre\u0219tere semnificativ\u0103 a cererii de ipotecare \u00een lei. \u201eCota de pia\u0163\u0103 a BCR pe segmentul de credite ipotecare \u015fi imobiliare acordate \u00een lei s-a dublat comparativ cu 15 octombrie 2012, dat\u0103 la care BCR a luat decizia credit\u0103rii preponderente \u00een lei, \u015fi se apropie de pragul de 10% la nivelul \u00eentregului sistem bancar, \u00een urma deciziei de a se concentra asupra credit\u0103rii \u00een lei, astfel \u00eenc\u00e2t s\u0103 inverseze combina\u0163ia de valute din portofoliul de credite \u015fi s\u0103-\u015fi foloseasc\u0103 din plin capacitatea puternic\u0103 de autofinan\u0163are \u00een lei\u201d, noteaz\u0103 reprezentan\u021bii institu\u021biei financiare.<\/p>\n<div class=\"entry-content-inline-styles\">\n<p><strong>Opinia specialistului:<\/strong><br \/>\n\u00cen condi\u021biile \u00een care \u00eemprumuturile Prima Cas\u0103 \u00een lei sunt mai scumpe cu circa 30% dec\u00e2t cele \u00een euro, primul impact al elimin\u0103rii celor din urm\u0103 va fi o sc\u0103dere a cererii, pentru c\u0103 vor fi mai pu\u021bini clien\u021bi care se vor califica pentru un credit, iar cei care vor r\u0103m\u00e2ne eligibili \u00ee\u0219i vor permite s\u0103 \u00eemprumute mai pu\u021bin. Aceast\u0103 situa\u021bie se va r\u0103sfr\u00e2nge \u0219i asupra pre\u021burilor, care probabil vor suferi corec\u021bii. Pe l\u00e2ng\u0103 costurile mai mari ale creditelor \u00een lei, cump\u0103r\u0103torii vor trebui s\u0103 suporte \u0219i diferen\u021ba de curs valutar leu\/euro, \u00eentruc\u00e2t este pu\u021bin probabil ca v\u00e2nz\u0103torii de apartamente vechi s\u0103 renun\u021be la pre\u021burile afi\u0219ate \u00een moneda european\u0103. Dezvoltatorilor, pe de alt\u0103 parte, le va fi mai u\u0219or s\u0103 accepte pre\u021burile \u00een lei, pentru c\u0103 ei fac o serie de pl\u0103\u021bi \u00een moneda na\u021bional\u0103.<\/p>\n<p><em><strong>Igor Postovanu, broker\/owner al agen\u021biei Sims Parkman<\/strong><\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen pia\u021b\u0103 exist\u0103 \u0219i \u00eemprumuturi mult mai scumpe dec\u00e2t cele co-garantate de c\u0103tre stat, dat fiind c\u0103 aici b\u0103ncile nu sunt restric\u021bionate de stat la stabilirea dob\u00e2nzii. \u00cen perioada de criz\u0103, creditele ipotecare de tip Prima Cas\u0103 au devenit preferatele cump\u0103r\u0103torilor de pe segmentul mediu, datorit\u0103 costurilor semnificativ mai sc\u0103zute fa\u021b\u0103 de \u00eemprumuturile standard. Inten\u021bia [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":26283,"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":{"0":"post-26282","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"category-stiri","9":"tag-cumparator","10":"tag-newsletter","11":"tag-prima-casa","12":"tag-principal"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00cen lei, Prima Cas\u0103 are costuri similare cu ipotecarele standard. 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