{"id":27285,"date":"2013-10-22T14:05:24","date_gmt":"2013-10-22T11:05:24","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=27285"},"modified":"2013-10-22T14:05:24","modified_gmt":"2013-10-22T11:05:24","slug":"prima-casa-in-lei-devine-rentabila-o-solutie-mai-ieftina-decat-creditele-standard-in-lei-si-foarte-apropiata-de-cele-in-euro","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/prima-casa-in-lei-devine-rentabila-o-solutie-mai-ieftina-decat-creditele-standard-in-lei-si-foarte-apropiata-de-cele-in-euro_db\/","title":{"rendered":"Prima Cas\u0103 \u00een lei devine rentabil\u0103! O solu\u021bie mai ieftin\u0103 dec\u00e2t creditele standard \u00een lei \u0219i foarte apropiat\u0103 de cele \u00een euro"},"content":{"rendered":"<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/10\/casasichei.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/10\/casasichei-300x300.jpg\" alt=\"casasichei\" width=\"300\" height=\"300\" class=\"alignleft size-medium wp-image-27286\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/10\/casasichei-300x300.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/10\/casasichei-140x140.jpg 140w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/10\/casasichei-150x150.jpg 150w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/10\/casasichei-250x250.jpg 250w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/10\/casasichei.jpg 480w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><strong>Reducerile succesive aplicate de BNR dob\u00e2nzii de politic\u0103 monetar\u0103 se simt \u00een ofertele de creditare ale b\u0103ncilor.<\/strong><\/p>\n<p>\u00cen vara acestui an, c\u00e2nd autorit\u0103\u021bile au anun\u021bat c\u0103 prin programul Prima Cas\u0103 se vor acorda doar \u00eemprumuturi \u00een moneda na\u021bional\u0103, noul produs era pu\u021bin atractiv pentru poten\u021bialii cump\u0103r\u0103tori. La vremea aceea, rata pentru un credit co-garantat de c\u0103tre stat \u00een lei era cu circa 30% mai mare dec\u00e2t pentru un \u00eemprumut echivalent \u00een euro. \u00centre timp \u00eens\u0103, Banca Na\u021bional\u0103 Rom\u00e2n\u0103 (BNR) a operat dou\u0103 reduceri ale dob\u00e2nzii de politic\u0103 monetar\u0103, aceasta situ\u00e2ndu-se \u00een prezent la un nivel minim-record, de 4,25% pe an (fa\u021b\u0103 de 5,25% la \u00eenceputul lui 2013). <\/p>\n<p>Aceste schimb\u0103ri se v\u0103d \u00een compara\u021bia de costuri a creditelor Prima Cas\u0103 (disponibile acum doar \u00een lei) cu celelalte \u00eemprumuturi ipotecare, fie ele \u00een moned\u0103 na\u021bional\u0103 sau \u00een euro. \u00cemprumuturile co-garantate de c\u0103tre stat sunt acum mai ieftine dec\u00e2t ipotecarele standard \u00een lei \u0219i au costuri foarte apropiate de cele mai bune oferte \u00een euro din pia\u021b\u0103. <\/p>\n<blockquote><p>\u201cRecent anun\u021batele schimb\u0103ri privind programul Prima Cas\u0103 ar putea s\u0103 conduc\u0103 la un scurt blocaj, dar pe o perioad\u0103 limitat\u0103 de timp, p\u00e2n\u0103 c\u00e2nd b\u0103ncile \u00ee\u0219i vor calibra produsele noii realit\u0103\u021bi. Pe de o parte, exist\u0103 deja \u00een pia\u021b\u0103 \u0219i cu siguran\u021b\u0103 vor mai ap\u0103rea, credite ipotecare standard mai avantajoase chiar dec\u00e2t Prima Cas\u0103, diferen\u021ba constituind-o avansul mai mare. Sunt \u00eens\u0103 semne clare c\u0103 BNR-ul face din sus\u021binerea credit\u0103rii \u00een RON un obiectiv principal, astfel c\u0103, probabil, condi\u021biile \u00eemprumuturilor \u00een moneda na\u021bional\u0103 se vor \u00eembun\u0103t\u0103\u021bi.\u201d<\/p>\n<p><em><strong>Alina Necula, director de marketing \u0219i v\u00e2nz\u0103ri Adama<\/strong><\/em><\/p><\/blockquote>\n<p><strong>O rat\u0103 de 1.100 de lei pentru un credit de 45.000 de euro<\/strong><\/p>\n<p>\u00cen momentul de fa\u021b\u0103, cea mai bun\u0103 ofert\u0103 de creditare prin intermediul programului Prima Cas\u0103 vine din partea CEC Bank, ce presupune o Dob\u00e2nd\u0103 Anual\u0103 Efectiv\u0103 (DAE) de 5,81%. Potrivit conso.ro, pentru un credit de 200.000 de lei contractat pe 30 de ani, rata lunar\u0103 ajunge la 1.093 de lei (pentru varianta ramburs\u0103rii \u00een rate egale), \u00een vreme ce suma total\u0103 de plat\u0103 \u00een aceast\u0103 perioad\u0103 se ridic\u0103 la 413.096 de lei. <\/p>\n<p>Spre compara\u021bie, cel mai ieftin credit ipotecar standard \u00een lei este oferit de BCR, cu un nivel al DAE de 6% pentru clien\u021bii care \u00ee\u0219i primesc veniturile prin intermediul b\u0103ncii. Rata lunar\u0103 este fix\u0103 \u00een primii trei ani, situ\u00e2ndu-se la 1.231 de lei pe lun\u0103 (dup\u0103 care aceasta va sc\u0103dea la 1.165 de lei). Suma total\u0103 de rambursat se ridic\u0103, \u00een acest caz, la 422.916 de lei. <\/p>\n<p>Mai atractive din punct de vedere al costurilor r\u0103m\u00e2n creditele pentru cas\u0103 \u00een euro, \u00eens\u0103 diferen\u021ba dintre acestea \u0219i \u00eemprumuturile co-garantate de c\u0103tre stat \u00een moneda na\u021bional\u0103 este mult mai mic\u0103. Astfel, cea mai ieftin\u0103 ofert\u0103 ipotecar\u0103 \u00een euro vine de la banca Italo-Romeno, \u00een colaborare cu brokerul de credite Kiwi Finance, cu o de 5,38%. Pentru un credit de 45.000 de euro (echivalentul aproximativ al sumei de 200.000 de lei), rata lunar\u0103 se ridic\u0103 la 238 de euro pe lun\u0103 (circa 1.058 de lei). Suma total\u0103 de rambursat este de aproape 393.715 lei. <\/p>\n<p><strong>Balan\u021b\u0103 inversat\u0103<\/strong><\/p>\n<p>\u00cen urm\u0103 cu dou\u0103 luni, balan\u021ba dintre \u00eemprumuturile Prima Cas\u0103 \u0219i alte credite ipotecare \u00een moneda na\u021bional\u0103 era inversat\u0103. La \u00eenceputul lui august, cea mai accesibil\u0103 ofert\u0103 \u00een lei pentru Prima Cas\u0103 avea o 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 trebuia s-o pl\u0103teasc\u0103 un beneficiar ajungea la 1.245 de RON, \u00een vreme ce suma total\u0103 de rambursat s-ar fi ridicat la 468.474 de lei.<\/p>\n<p>La vremea aceea, cel mai ieftin credit ipotecar \u00een lei avea o DAE de 6,8% \u0219i era oferit de Banca Comercial\u0103 Rom\u00e2n\u0103 (BCR) clien\u021bilor care \u00ee\u0219i primeau veniturile \u00een conturile b\u0103ncii. Pentru acela\u0219i \u00eemprumut de 200.000 de RON, rata lunar\u0103 se ridica la 1.231 de RON, \u00een vreme ce suma total\u0103 de rambursat este de 458.597 de RON. <\/p>\n<p><em><strong>Cite\u0219te \u0219i: <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/prima-casa\/in-lei-prima-casa-are-costuri-similare-cu-ipotecarele-standard-vezi-cat-va-trebui-sa-scoti-din-buzunar-pentru-o-casa_db\/\">\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<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reducerile succesive aplicate de BNR dob\u00e2nzii de politic\u0103 monetar\u0103 se simt \u00een ofertele de creditare ale b\u0103ncilor. \u00cen vara acestui an, c\u00e2nd autorit\u0103\u021bile au anun\u021bat c\u0103 prin programul Prima Cas\u0103 se vor acorda doar \u00eemprumuturi \u00een moneda na\u021bional\u0103, noul produs era pu\u021bin atractiv pentru poten\u021bialii cump\u0103r\u0103tori. La vremea aceea, rata pentru un credit co-garantat de [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":27286,"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-27285","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":"<!-- 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>Prima Cas\u0103 \u00een lei devine rentabil\u0103! O solu\u021bie mai ieftin\u0103 dec\u00e2t creditele standard \u00een lei \u0219i foarte apropiat\u0103 de cele \u00een euro - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Reducerile succesive aplicate de BNR dob\u00e2nzii de politic\u0103 monetar\u0103 se simt \u00een ofertele de creditare ale b\u0103ncilor. \u00cen vara acestui an, c\u00e2nd autorit\u0103\u021bile au\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/prima-casa-in-lei-devine-rentabila-o-solutie-mai-ieftina-decat-creditele-standard-in-lei-si-foarte-apropiata-de-cele-in-euro_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prima Cas\u0103 \u00een lei devine rentabil\u0103! 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