{"id":28733,"date":"2014-02-24T16:50:06","date_gmt":"2014-02-24T14:50:06","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=28733"},"modified":"2014-02-24T16:50:06","modified_gmt":"2014-02-24T14:50:06","slug":"cea-mai-mare-investitie-este-propria-locuinta","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/cea-mai-mare-investitie-este-propria-locuinta_db\/","title":{"rendered":"Cea mai mare investi\u021bie este… propria locuin\u021b\u0103"},"content":{"rendered":"

Prin urmare, face\u021bi tot posibilul s\u0103 lua\u021bi o decizie c\u00e2t mai ra\u021bional\u0103.<\/strong><\/p>\n

Nu \u0219tiu dac\u0103 vreau neap\u0103rat s\u0103-mi \u0219ochez audien\u021ba, dar am o afirma\u021bie foarte puternic\u0103 la seminarul de finan\u021be personale, atunci c\u00e2nd vine vorba despre investi\u021bia \u00een propria locuin\u021b\u0103. Afirma\u021bia sun\u0103 cam a\u0219a:<\/p>\n

Locuin\u021ba personal\u0103 este cea mai mare investi\u021bie pe care o fac oamenii
f\u0103r\u0103 o educa\u021bie financiar\u0103 de baz\u0103.<\/p><\/blockquote>\n

Aproape to\u021bi cei prezen\u021bi \u00ee\u0219i \u00eendreapt\u0103 spatele \u0219i arunc\u0103 spre mine priviri \u00eencruntate \u0219i nu tocmai binevoitoare, parc\u0103 ar vrea s\u0103 spun\u0103: \u201eAcum vrei s\u0103 spui c\u0103 suntem pro\u0219ti?\u201d<\/em>. Departe de mine acest g\u00e2nd. Lipsa de educa\u021bie nu \u00eenseamn\u0103 prostie – \u0219i, mai mult dec\u00e2t at\u00e2t, fiecare om poate fi educat.<\/p>\n

\"http:\/\/www.dreamstime.com\/royalty-free-stock-photography-image16421667\"<\/a><\/p>\n

S\u0103 purcedem la analiz\u0103 pe baza cifrelor reale din pia\u021b\u0103 \u0219i s\u0103 facem c\u00e2teva simul\u0103ri \u00een func\u021bie de veniturile nete ale familiei. Am luat \u00een calcul trei scenarii bazate pe clase de venituri la nivel de familie \u0219i nevoile care apar de aici, plec\u00e2nd de la un curs de 4,5 lei pentru un euro.<\/p>\n

Scenariul 1.<\/strong> Venitul net este de 2.500 de lei \u0219i persoana sau familia achizi\u021bioneaz\u0103 un apartament \u00een valoare de 40.000 de euro.<\/p>\n

Scenariul 2.<\/strong> Familia sau persoana are un venit net de 3.000 de lei lunar \u0219i cump\u0103r\u0103 un apartament \u00een valoare de 50.000 de euro.<\/p>\n

Scenariul 3.<\/strong> Familia are un venit net mediu de 4.000 de lei lunar \u0219i achizi\u021bioneaz\u0103 un apartament \u00een valoare de 70.000 de euro.<\/p>\n

Iat\u0103 ce a ie\u0219it:<\/p>\n

\n\n\n\n\n\n\n\n\n\n\n
Indicatorul:<\/strong><\/td>\nScenariul 1:<\/strong><\/td>\nScenariul 2:<\/strong><\/td>\nScenariul 3:<\/strong><\/td>\n<\/tr>\n
Venit lunar:<\/td>\n2.500 RON<\/td>\n3.000 RON<\/td>\n4.000 RON<\/td>\n<\/tr>\n
Venit anual:<\/td>\n30.000 RON<\/td>\n36.000 RON<\/td>\n48.000 RON<\/td>\n<\/tr>\n
Ani de munc\u0103:<\/td>\n40<\/td>\n40<\/td>\n40<\/td>\n<\/tr>\n
Total venituri:<\/td>\n1.200.000 RON<\/td>\n1.440.000 RON<\/td>\n1.920.000 RON<\/td>\n<\/tr>\n
Valoarea locuin\u021bei:<\/td>\n180.000 RON<\/td>\n225.000 RON<\/td>\n315.000 RON<\/td>\n<\/tr>\n
Total pl\u0103tit cu credit:<\/td>\n450.000 RON<\/td>\n562.500 RON<\/td>\n787.500 RON<\/td>\n<\/tr>\n
Procent din venit:<\/td>\n38%<\/td>\n39%<\/td>\n41%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

Ceea ce era de demonstrat \u00een prima parte a afirma\u021biei noastre am demonstrat. \u00centre 38% \u0219i 41% din veniturile totale realizate \u00een 40 de ani de munc\u0103 sunt destinate achizi\u021biei propriei locuin\u021be, \u00een cazul \u00een care aceast\u0103 achizi\u021bie este f\u0103cut\u0103 printr-un credit ipotecar.<\/p>\n

Care este morala acestor cifre? Pentru c\u0103 este probabil cea mai mare investi\u021bie pe care o ve\u021bi face, face\u021bi tot posibilul s\u0103 lua\u021bi o decizie c\u00e2t mai ra\u021bional\u0103. Iat\u0103, pe scurt, la ce v\u0103 \u00eendemn:<\/p>\n

1. Chibzui\u021bi bine \u00eenainte de a alege banca care v\u0103 crediteaz\u0103 pentru achizi\u021bia locuin\u021bei \u0219i nu lua\u021bi decizia privind finan\u021barea casei pe criterii de prietenie, proximitate sau doar pentru faptul c\u0103 acolo ave\u021bi cardul de salariu.<\/p>\n

2. Alege\u021bi cu grij\u0103 momentul achizi\u021biei. Atunci c\u00e2nd pia\u021ba este \u00een u\u0219oar\u0103 revenire dup\u0103 o perioad\u0103 de criz\u0103 este cel mai bun moment de cump\u0103rare. Analiza obiectiv\u0103 a pie\u021bei v\u0103 poate scuti de multe probleme ulterioare.<\/p>\n

3. Alege\u021bi, pe c\u00e2t posibil, credite cu dob\u00e2nd\u0103 fix\u0103. \u00cen acest moment, \u00een toate pie\u021bele banii sunt foarte ieftini \u0219i vor migra dinspre zona de economisire spre zona de investi\u021bii. A\u0219a c\u0103 este foarte probabil s\u0103 nu g\u0103sim mult timp bani la fel de ieftini ca \u0219i acum.<\/p>\n

4. Apela\u021bi la un consultant. Se spune c\u0103 fiecare tr\u0103ie\u0219te din ce munce\u0219te. Nu putem fi exper\u021bi \u00een toate \u0219i, chiar dac\u0103 pare scump s\u0103 angaja\u021bi un consultant imobiliar, pe termen lung v\u0103 garantez c\u0103 merit\u0103 tot efortul.<\/p>\n

Spor la bani!<\/strong><\/em><\/p>\n

\"EusebiuBurcas<\/a><\/p>\n

\n

Eusebiu Burca\u0219<\/p>\n

Fondatorul BurCASH \u2013 managementul banilor<\/p>\n

www.burcash.ro<\/a><\/strong><\/p>\n<\/div>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Prin urmare, face\u021bi tot posibilul s\u0103 lua\u021bi o decizie c\u00e2t mai ra\u021bional\u0103. Nu \u0219tiu dac\u0103 vreau neap\u0103rat s\u0103-mi \u0219ochez audien\u021ba, dar am o afirma\u021bie foarte puternic\u0103 la seminarul de finan\u021be personale, atunci c\u00e2nd vine vorba despre investi\u021bia \u00een propria locuin\u021b\u0103. Afirma\u021bia sun\u0103 cam a\u0219a: Locuin\u021ba personal\u0103 este cea mai mare investi\u021bie pe care o fac […]<\/p>\n","protected":false},"author":821,"featured_media":28735,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[316],"content_author":[],"class_list":["post-28733","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-stiri","tag-credite-3"],"yoast_head":"\nCea mai mare investi\u021bie este... propria locuin\u021b\u0103 - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Prin urmare, face\u021bi tot posibilul s\u0103 lua\u021bi o decizie c\u00e2t mai ra\u021bional\u0103. 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