{"id":28161,"date":"2014-01-15T13:17:51","date_gmt":"2014-01-15T11:17:51","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=28161"},"modified":"2014-01-15T13:17:51","modified_gmt":"2014-01-15T11:17:51","slug":"rasturnare-de-situatie-prima-casa-redevine-cea-mai-ieftina-solutie-pentru-un-credit-ipotecar","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/rasturnare-de-situatie-prima-casa-redevine-cea-mai-ieftina-solutie-pentru-un-credit-ipotecar_db\/","title":{"rendered":"R\u0103sturnare de situa\u021bie: Prima Cas\u0103 redevine cea mai ieftin\u0103 solu\u021bie pentru un credit ipotecar!"},"content":{"rendered":"<p><strong>\u00cen mai pu\u021bin de 30 de zile, dob\u00e2nda minim\u0103 pentru un credit \u00een lei co-garantat de c\u0103tre stat s-a redus cu un punct procentual.<\/strong><\/p>\n<p>De la \u00eenceputul acestui an, costurile \u00eemprumuturilor \u00een lei \u0219i-au continuat trendul descendent, fapt ce a adus o r\u0103sturnare important\u0103 de situa\u021bie \u00een ceea ce prive\u0219te finan\u021barea achizi\u021biei unei locuin\u021be. Astfel, \u00een momentul de fa\u021b\u0103, creditele de tip Prima Cas\u0103 (acordate de aproape jum\u0103tate de an doar \u00een moneda na\u021bional\u0103), \u0219i-au rec\u00e2\u0219tigat statutul de cel mai ieftin produs ipotecar din pia\u021b\u0103. <\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/01\/casacumaruntis.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/01\/casacumaruntis.jpg\" alt=\"casacumaruntis\" width=\"480\" height=\"319\" class=\"alignleft size-full wp-image-28164\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/01\/casacumaruntis.jpg 480w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/01\/casacumaruntis-300x199.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/01\/casacumaruntis-87x57.jpg 87w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/01\/casacumaruntis-65x43.jpg 65w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/01\/casacumaruntis-154x103.jpg 154w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/a><strong>Rata pentru 44.000 de euro, sub 1.000 de lei lunar<\/strong><br \/>\nPotrivit <a class=\"article-body-links\"href=\"http:\/\/www.conso.ro\/\">Conso.ro<\/a>, cea mai mic\u0103 Dob\u00e2nd\u0103 Anual\u0103 Efectiv\u0103 (DAE) practicat\u0103 pentru un \u00eemprumut co-garantat de c\u0103tre stat se ridic\u0103 la 4,59%; asta \u00eenseamn\u0103 c\u0103, pentru o sum\u0103 de 200.000 de lei (aproximativ 44.000 de euro) contractat\u0103 pe o perioad\u0103 de 30 de ani, clientul trebuie s\u0103 pl\u0103teasc\u0103 lunar o rat\u0103 de 994,5 lei. Spre compara\u021bie, cel mai ieftin produs ipotecar \u00een euro are un cost de 5,44% pe an; rata lunar\u0103 de plat\u0103 pentru un \u00eemprumut echivalent de circa 44.189 de euro (contractat \u00eens\u0103 \u00een baza unui avans minim de 25%) se ridic\u0103 la 235,5 euro, respectiv la aproape 1.066 de lei. Pe de alt\u0103 parte, cel mai ieftin credit ipotecar \u00een lei de tip standard are o DAE de 5,54%, ceea ce presupune o sum\u0103 lunar\u0103 de plat\u0103 de aproape 1.081 de lei.<\/p>\n<p><em><strong>Cite\u0219te \u0219i: <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/prima-casa\/prima-casa-in-2014-fonduri-mai-mari-decat-estimarile-initiale-bancile-pot-da-credite-de-aproape-4-miliarde-de-lei_db\/\">Prima Cas\u0103 \u00een 2014: fonduri mai mari dec\u00e2t estim\u0103rile ini\u021biale. B\u0103ncile pot da credite de aproape 4 miliarde de lei<\/a><\/strong><\/em><\/p>\n<p><strong>Costuri similare cu vechile \u00eemprumuturi \u00een euro<\/strong><br \/>\nImportant de remarcat este faptul c\u0103 \u00eemprumuturile Prima Cas\u0103 \u00een lei se situeaz\u0103 acum la un nivel al costurilor absolut similar cu cel consemnat de creditele co-garantate de c\u0103tre stat \u00een euro, \u00eenainte ca acestea s\u0103 fie eliminate. Astfel, la \u00eenceputul lunii august 2013, cel mai ieftin produs din aceast\u0103 ultim\u0103 categorie avea o DAE de 4,72%. La momentul respectiv, cel mai ieftin credit Prima Cas\u0103 \u00een lei avea un cost anual de 7,06%, iar rata lunar\u0103 pentru un astfel de \u00eemprumut era cu circa 25% mai mare dec\u00e2t \u00een prezent, respectiv 1.245 de lei pe lun\u0103. <\/p>\n<p><strong>Indicele ROBOR, \u00een picaj de la \u00eenceputul lui 2014<\/strong><br \/>\n\u00cen ultimul an, Banca Na\u021bional\u0103 Rom\u00e2n\u0103 (BNR) a \u201elucrat\u201d intens la \u201erentabilizarea\u201d creditelor \u00een lei, prin reduceri succesive ale dob\u00e2nzii de politic\u0103 monetar\u0103; la finele anului trecut, acest indicator ajunsese la un nivel record de 4% (fa\u021b\u0103 de 5,25% la \u00eenceputul lui 2013). \u201eLovitura de gra\u021bie\u201d a venit \u00eens\u0103 \u00een 2014, c\u00e2nd BNR a mai efectuat o sc\u0103dere, p\u00e2n\u0103 la nivelul actual de 3,75%. O contribu\u021bie la reducerea costurilor pentru moneda na\u021bional\u0103 a avut-o \u0219i indicele ROBOR la trei luni (folosit pentru calcularea dob\u00e2nzilor), care a consemnat de asemenea un trend descendent \u00een primele s\u0103pt\u0103m\u00e2ni ale anului, situ\u00e2ndu-se \u00een prezent la un nivel de sub 2% (fa\u021b\u0103 de 2,44% la finele lunii decembrie a anului trecut). Astfel, \u00een mai pu\u021bin de 30 de zile, costurile minime pentru Prima Cas\u0103 \u00een lei s-au redus cu un punct procentual, de la 5,59%, p\u00e2n\u0103 la 4,59%.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen mai pu\u021bin de 30 de zile, dob\u00e2nda minim\u0103 pentru un credit \u00een lei co-garantat de c\u0103tre stat s-a redus cu un punct procentual. De la \u00eenceputul acestui an, costurile \u00eemprumuturilor \u00een lei \u0219i-au continuat trendul descendent, fapt ce a adus o r\u0103sturnare important\u0103 de situa\u021bie \u00een ceea ce prive\u0219te finan\u021barea achizi\u021biei unei locuin\u021be. Astfel, [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":28164,"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-28161","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>R\u0103sturnare de situa\u021bie: Prima Cas\u0103 redevine cea mai ieftin\u0103 solu\u021bie pentru un credit ipotecar! - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"\u00cen mai pu\u021bin de 30 de zile, dob\u00e2nda minim\u0103 pentru un credit \u00een lei co-garantat de c\u0103tre stat s-a redus cu un punct procentual. 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