{"id":27991,"date":"2014-01-06T08:00:17","date_gmt":"2014-01-06T06:00:17","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=27991"},"modified":"2014-01-06T08:00:17","modified_gmt":"2014-01-06T06:00:17","slug":"bilantul-a-5-ani-de-prima-casa-2014-incepe-optimist-ce-fonduri-mai-au-bancile-si-cum-arata-piata","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/bilantul-a-5-ani-de-prima-casa-2014-incepe-optimist-ce-fonduri-mai-au-bancile-si-cum-arata-piata_db\/","title":{"rendered":"Bilan\u021bul a 5 ani de Prima Cas\u0103. 2014 \u00eencepe optimist: ce fonduri mai au b\u0103ncile \u0219i cum \u201earat\u0103\u201d pia\u021ba"},"content":{"rendered":"<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/12\/plan.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-27992\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/12\/plan.jpg\" alt=\"plan\" width=\"480\" height=\"366\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/12\/plan.jpg 480w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2013\/12\/plan-300x229.jpg 300w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/a><strong>\u00cen 2013, rom\u00e2nii nu au luat at\u00e2t de multe credite ca \u00een 2012, \u00eens\u0103 apetitul pentru finan\u021bare s-a situat vizibil peste nivelul din anii preceden\u021bi.<\/strong><\/p>\n<p>Dup\u0103 un an plin de activitate (\u0219i nu lipsit de surprize), programul Prima Cas\u0103 dispune la ora actual\u0103 de suficiente fonduri pentru a satisface cererile popula\u021biei timp de c\u00e2teva luni bune \u00een 2014. Potrivit datelor transmise c\u0103tre <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/\">Imobiliare.ro<\/a><\/strong> de c\u0103tre Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderi Mici \u0219i Mijlocii (FNGCIMM), la jum\u0103tatea lui decembrie anul trecut, plafonul de garantare disponibil pentru b\u0103ncile participante la program permitea acordarea de finan\u021b\u0103ri \u00een valoare total\u0103 de aproximativ 1,8 miliarde de lei (echivalentul a circa 400 de milioane de euro).<\/p>\n<p><em><strong>UPDATE: Pe data de 7 ianuarie 2014, reprezentan\u021bii Executivului au aprobat o Hot\u0103r\u00e2re de Guvern ce prevede suplimentarea fondurilor alocate pentru programul Prima Cas\u0103 cu 1,2 miliarde de lei \u00een 2014. La aceast\u0103 sum\u0103 se adaug\u0103 diferen\u021ba r\u0103mas\u0103 nefolosit\u0103 din plafonul stabilit pentru 2013, respectiv o sum\u0103 de 677 de circa milioane de lei, potrivit estim\u0103rilor ini\u021biale. Lu\u00e2nd \u00een calcul \u00eemp\u0103r\u021birea riscurilor de creditare \u00eentre stat \u0219i b\u0103nci \u00een propor\u021bie de 50%-50%, rezult\u0103 c\u0103 acestea din urm\u0103 pot acorda credite \u00een valoare total\u0103 de circa 3,75 miliarde de lei, dublul sumei \u201epuse la b\u0103taie\u201d de c\u0103tre Guvern.<\/strong><\/em><\/p>\n<p>Click <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/prima-casa\/guvernul-suplimenteaza-fondurile-pentru-prima-casa-romanii-pot-lua-credite-de-peste-800-de-milioane-de-euro-in-2014_db\/\">aici<\/a> pentru mai multe detalii<\/p>\n<p>Conform statisticilor oficiale, din ianuarie 2013 p\u00e2n\u0103 la jum\u0103tatea lunii decembrie rom\u00e2nii au contractat peste 24.500 de credite tip Prima Cas\u0103, \u00een valoare cumulat\u0103 de aproximativ 900 de milioane de euro. Per total, \u00een cei cinci ani de func\u021bionare a programului, statul a aprobat acordarea a peste 100.000 de garan\u021bii, \u00een valoare total\u0103 de peste patru miliarde de euro. Activitatea de creditare din 2013 se situeaz\u0103 u\u0219or sub cea din 2012, dar r\u0103m\u00e2ne mai bun\u0103 (ca num\u0103r) dec\u00e2t nivelul consemnat \u00een anii anteriori. De la \u201emutarea\u201d programului pe lei, din august p\u00e2n\u0103 la jum\u0103tatea lui decembrie 2013, au fost acordate circa 6.500 de astfel de garan\u021bii, \u00een valoare de aproximativ 940 de milioane de lei.<\/p>\n<div class=\"entry-content-inline-styles\">\n<strong>Evolu\u0163ia anual\u0103 a num\u0103rului \u015fi volumului de credite Prima Cas\u0103 acordate p\u00e2n\u0103 \u00een prezent:<\/strong><\/p>\n<table style=\"text-align: center;\" border=\"1\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td><strong>An:<\/strong><\/td>\n<td><strong>Num\u0103r garan\u0163ii:<\/strong><\/td>\n<td><strong>Finan\u0163are:<\/strong><\/td>\n<\/tr>\n<tr>\n<td>2009<\/td>\n<td>12.000<\/td>\n<td>495 mil. euro<\/td>\n<\/tr>\n<tr>\n<td>2010<\/td>\n<td>23.000<\/td>\n<td>935 mil. euro<\/td>\n<\/tr>\n<tr>\n<td>2011<\/td>\n<td>19.000<\/td>\n<td>740 mil. euro<\/td>\n<\/tr>\n<tr>\n<td>2012<\/td>\n<td>27.000<\/td>\n<td>1,01 mld. euro<\/td>\n<\/tr>\n<tr>\n<td>2013*<\/td>\n<td>24.500<\/td>\n<td>900 mil. euro<\/td>\n<\/tr>\n<tr>\n<td>Total:<\/td>\n<td>105.500<\/td>\n<td>4,08 mld. euro<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>* Date preliminare, valabile p\u00e2n\u0103 la jum\u0103tatea lunii decembrie 2013<\/em><br \/>\n<em><strong>Sursa: FNGCIMM<\/strong><\/em><\/p>\n<\/div>\n<p><strong>Costul creditelor \u00een moneda na\u021bional\u0103, \u00een sc\u0103dere<\/strong><br \/>\nAceste rezultate arat\u0103 c\u0103, poate contrar unor a\u0219tept\u0103ri, restric\u021bionarea finan\u021b\u0103rii la moneda na\u021bional\u0103 nu a reu\u0219it s\u0103 \u201edoboare\u201d cererea rom\u00e2nilor pentru creditele co-garantate de c\u0103tre stat (produs extrem de atractiv datorit\u0103 avansului de doar 5% solicitat de c\u0103tre b\u0103nci). Asta \u00een ciuda faptului c\u0103, la momentul implement\u0103rii acestei schimb\u0103ri, apetitul pentru \u00eemprumuturile \u00een lei era extrem de redus, \u00een condi\u021biile \u00een care rata pentru acestea se situa cu circa 30% peste cea a produselor echivalente \u00een euro.<\/p>\n<p>\u00centre timp \u00eens\u0103, Banca Na\u021bional\u0103 Rom\u00e2n\u0103 (BNR) a operat mai multe reduceri ale dob\u00e2nzii de politic\u0103 monetar\u0103; aceasta se situeaz\u0103 \u00een prezent la un nivel de 4% (fa\u021b\u0103 de 5,25% la \u00eenceputul lui 2013), iar anali\u0219tii bancari se a\u0219teapt\u0103 la continuarea trendului descendent \u00een 2014. A\u0219a se face c\u0103, la ora actual\u0103, \u00eemprumuturile \u00een lei \u00een general \u0219i cele de tip Prima Cas\u0103 \u00een special sunt mult mai atractive dec\u00e2t \u00een urm\u0103 cu 12 luni. \u00cen august 2013, c\u00e2nd s-a trecut la creditarea exclusiv\u0103 \u00een lei prin Prima Cas\u0103, cel mai ieftin produs din aceast\u0103 categorie avea o Dob\u00e2nd\u0103 Anual\u0103 Efectiv\u0103 (DAE) de 7,06%. Dup\u0103 reducerile dob\u00e2nzii de politic\u0103 monetar\u0103 aplicate de BNR \u00eens\u0103, costurile creditelor co-garantate de c\u0103tre stat se situeaz\u0103 acum la un nivel foarte apropiat de cele ale \u00eemprumuturilor standard \u00een euro. Astfel, spre sf\u00e2r\u0219itul lui decembrie 2013, cel mai ieftin produs Prima Cas\u0103 avea un cost de 5,59% pe an; pe de alt\u0103 parte, cel mai accesibil produs standard \u00een euro se situa la un nivel al DAE de 5,39%.<\/p>\n<p><strong>Dup\u0103 \u0219ocul trecerii pe lei, lucrurile au revenit la normal<\/strong><br \/>\nAstfel, la \u00eenceput de 2014, perspectivele pentru cei care vor s\u0103 acceseze un credit de tip Prima Cas\u0103 sunt optimiste. Acest fapt este relevat \u0219i de o evident\u0103 tendin\u021b\u0103 de \u201erea\u0219ezare\u201d a pie\u021bei. Alina Necula, director de marketing \u0219i v\u00e2nz\u0103ri \u00een cadrul companiei Adama, spune c\u0103 \u00een perioada imediat urm\u0103toare modific\u0103rii programului guvernamental, pia\u021ba a \u00eent\u00e2mpinat un blocaj al cererii, \u00eens\u0103 acesta a fost de scurt\u0103 durat\u0103, astfel \u00eenc\u00e2t, \u00een prezent, lucrurile au revenit la normal. \u201eTrecerea programului la finan\u021b\u0103ri exclusiv \u00een lei a dus la o sc\u0103dere a cererii, fapt care s-a \u00eent\u00e2mplat, de altfel, la fiecare \u00eenceput de etap\u0103 a Prima Cas\u0103. Aceast\u0103 sc\u0103dere s-a mai redus \u00een octombrie, iar \u00een noiembrie \u0219i decembrie noi am \u00eenregistrat un nivel al cererii similar cu cel din perioada credit\u0103rii \u00een euro prin Prima Cas\u0103; lucrurile s-au a\u0219ezat\u201d, subliniaz\u0103 \u0219i Gabriel Voicu, directorul departamentului de locuin\u021be noi al Coldwell Banker Affiliates of Romania. Potrivit acestuia, programul guvernamental reprezint\u0103 \u00een continuare o modalitate foarte important\u0103 de finan\u021bare pentru cump\u0103r\u0103tori. \u201e\u00cen func\u021bie de tipul proiectului \u0219i de segmentul c\u0103ruia i se adreseaz\u0103, Prima Cas\u0103 poate de\u021bine o pondere \u00een v\u00e2nz\u0103ri care pleac\u0103 de la 25% \u0219i poate ajunge la peste dou\u0103 treimi\u201d, estimeaz\u0103 reprezentantul Coldwell Banker.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen 2013, rom\u00e2nii nu au luat at\u00e2t de multe credite ca \u00een 2012, \u00eens\u0103 apetitul pentru finan\u021bare s-a situat vizibil peste nivelul din anii preceden\u021bi. Dup\u0103 un an plin de activitate (\u0219i nu lipsit de surprize), programul Prima Cas\u0103 dispune la ora actual\u0103 de suficiente fonduri pentru a satisface cererile popula\u021biei timp de c\u00e2teva luni [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":27992,"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-27991","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>Bilan\u021bul a 5 ani de Prima Cas\u0103. 2014 \u00eencepe optimist: ce fonduri mai au b\u0103ncile \u0219i cum \u201earat\u0103\u201d pia\u021ba - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"\u00cen 2013, rom\u00e2nii nu au luat at\u00e2t de multe credite ca \u00een 2012, \u00eens\u0103 apetitul pentru finan\u021bare s-a situat vizibil peste nivelul din anii preceden\u021bi. 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