{"id":28848,"date":"2014-02-28T13:16:01","date_gmt":"2014-02-28T11:16:01","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=28848"},"modified":"2014-02-28T13:16:01","modified_gmt":"2014-02-28T11:16:01","slug":"spune-mi-ce-venit-ai-ca-sa-ti-spun-ce-casa-poti-sa-ti-iei","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/spune-mi-ce-venit-ai-ca-sa-ti-spun-ce-casa-poti-sa-ti-iei_db\/","title":{"rendered":"Spune-mi ce venit ai ca s\u0103-\u021bi spun ce cas\u0103 po\u021bi s\u0103-\u021bi iei!"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a6107e99fc27\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a6107e99fc27\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/spune-mi-ce-venit-ai-ca-sa-ti-spun-ce-casa-poti-sa-ti-iei_db\/#Specialistii_recomanda_incadrarea_intr-un_grad_de_indatorare_sensibil_mai_mic_decat_nivelul_maxim_permis_de_catre_banci\" >Speciali\u0219tii recomand\u0103 \u00eencadrarea \u00eentr-un grad de \u00eendatorare sensibil mai mic dec\u00e2t nivelul maxim permis de c\u0103tre b\u0103nci.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/spune-mi-ce-venit-ai-ca-sa-ti-spun-ce-casa-poti-sa-ti-iei_db\/#Iti_poti_lua_Prima_Casa_si_cu_1500_de_lei_pe_luna\" >\u00ce\u021bi po\u021bi lua Prima Cas\u0103 \u0219i cu 1.500 de lei pe lun\u0103!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/spune-mi-ce-venit-ai-ca-sa-ti-spun-ce-casa-poti-sa-ti-iei_db\/#Grad_mai_mic_de_indatorare_la_ipotecarele_in_euro\" >Grad mai mic de \u00eendatorare la ipotecarele \u00een euro<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Specialistii_recomanda_incadrarea_intr-un_grad_de_indatorare_sensibil_mai_mic_decat_nivelul_maxim_permis_de_catre_banci\"><\/span>Speciali\u0219tii recomand\u0103 \u00eencadrarea \u00eentr-un grad de \u00eendatorare sensibil mai mic dec\u00e2t nivelul maxim permis de c\u0103tre b\u0103nci.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dac\u0103 te g\u00e2nde\u0219ti la achizi\u021bia unei locuin\u021be, una dintre primele \u00eentreb\u0103ri la care ar trebui s\u0103 cau\u021bi r\u0103spuns este \u201eCe fel de cas\u0103 \u00eemi permit?\u201d, mai mult dec\u00e2t \u201eCe fel de cas\u0103 vreau?\u201d. Pentru aceasta, po\u021bi folosi ca reper nivelul de finan\u021bare pe care l-ai primi la o solicitare de credit &#8211; Prima Cas\u0103 sau un \u00eemprumut ipotecar \u00een euro -, \u00een func\u021bie de nivelul t\u0103u actual de venit. De men\u021bionat este \u00eens\u0103 c\u0103, de\u0219i b\u0103ncile permit, de regul\u0103, un grad de \u00eendatorare de peste 50%, speciali\u0219tii din pia\u021b\u0103 recomand\u0103, pentru un plus de siguran\u021b\u0103, ca nivelul ratei la cas\u0103 s\u0103 nu dep\u0103\u0219easc\u0103 un sfert, maximum o treime din veniturile tale lunare.<\/p>\n<p><em><strong>Cite\u0219te \u0219i: <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-3\/vrei-sa-faci-un-credit-pentru-casa-cat-ar-trebui-sa-te-imprumuti-de-la-banca_db\/\">Vrei s\u0103 faci un credit pentru cas\u0103? C\u00e2t ar trebui s\u0103 te \u00eemprumu\u021bi de la banc\u0103<\/a><\/strong><\/em><\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/02\/cumparare-casa.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/02\/cumparare-casa.jpg\" alt=\"http:\/\/www.dreamstime.com\/royalty-free-stock-image-hand-holding-house-keys-euro-money-female-little-bills-image34010956\" width=\"600\" height=\"504\" class=\"alignleft size-full wp-image-28849\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/02\/cumparare-casa.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/02\/cumparare-casa-390x328.jpg 390w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Iti_poti_lua_Prima_Casa_si_cu_1500_de_lei_pe_luna\"><\/span>\u00ce\u021bi po\u021bi lua Prima Cas\u0103 \u0219i cu 1.500 de lei pe lun\u0103!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Potrivit <a class=\"article-body-links\"href=\"http:\/\/www.conso.ro\/\">Conso.ro<\/a>, gradul maxim de \u00eendatorare permis de c\u0103tre b\u0103ncile participante la programul Prima Cas\u0103 variaz\u0103, \u00een func\u021bie de analiza scoring a fiec\u0103rui client, \u00eentre 42% \u0219i 75%. Pentru analiza de mai jos, a fost luat \u00een calcul un grad de \u00eendatorare de 60%, al\u0103turi de o Dob\u00e2nd\u0103 Anual\u0103 Efectiv\u0103 (DAE) de 5% (cea mai accesibil\u0103 ofert\u0103 din pia\u021b\u0103 pe acest segment are un cost de 4,88% pe an), pentru o perioad\u0103 de rambursare de 30 de ani.<\/p>\n<p>Cu un venit lunar de 1.500 de lei pe lun\u0103, o familie format\u0103 din dou\u0103 persoane, f\u0103r\u0103 alte datorii, poate lua un credit echivalent a circa 25.000 de euro. Lu\u00e2nd \u00een calcul un avans de 5%, rezult\u0103 c\u0103 aceast\u0103 sum\u0103 permite achizi\u021bia unei locuin\u021be de circa 26.300 de euro. <\/p>\n<p><em><strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente\/bucuresti?id=17077796\">Click<\/a> pentru a g\u0103si o locuin\u021b\u0103 \u00een acest buget<\/strong><\/em><\/p>\n<p>Cu un venit de 2.000 de lei pe lun\u0103, aceea\u0219i familie ar primi de la banc\u0103 un \u00eemprumut de aproape 37.500 de euro, suficient pentru o cas\u0103 de 39.400 de euro.<\/p>\n<p><em><strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente\/bucuresti?id=17077806\">Aici<\/a> g\u0103se\u0219ti apartamente de p\u00e2n\u0103 la 40.000 de euro<\/strong><\/em><\/p>\n<p>Cu 2.500 de lei pe lun\u0103, un aplicant la programul Prima Cas\u0103 poate lua un credit de aproape 50.000 de euro (49.867 de euro). Cu o asemenea sum\u0103, beneficiarul poate opta pentru o locuin\u021b\u0103 care s\u0103 coste cel mult 52.400 de euro, dac\u0103 dispune doar de avansul minim necesar. <\/p>\n<p><em><strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente\/bucuresti?id=17077815\">Vezi<\/a> anun\u021buri \u00een aceast\u0103 limit\u0103 de pre\u021b<\/strong><\/em><\/p>\n<p>Cei care \u201easpir\u0103\u201d la un credit co-garantat de c\u0103tre stat \u0219i au un venit familial de 3.000 de lei pe lun\u0103 pot primi de la banc\u0103 o sum\u0103 suficient\u0103 pentru achizi\u021bia unui imobil nou-construit la un pre\u021b de 65.000 de euro \u2013 respectiv o finan\u021bare de 61.750 de euro, la care se va ad\u0103uga avansul de 3.250 de euro.<\/p>\n<p><em><strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente\/bucuresti?id=9877960\">Click<\/a> pentru oferte de p\u00e2n\u0103 la 65.000 de euro<\/strong><\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Grad_mai_mic_de_indatorare_la_ipotecarele_in_euro\"><\/span>Grad mai mic de \u00eendatorare la ipotecarele \u00een euro<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen ceea ce prive\u0219te creditele ipotecare standard \u00een euro, gradul maxim de \u00eendatorare permis de c\u0103tre b\u0103nci este ceva mai mic dec\u00e2t la Prima Cas\u0103, respectiv 66% &#8211; cifra difer\u0103 \u00eens\u0103 de fiecare banc\u0103 \u00een parte \u0219i de specificul fiec\u0103rui client. Pentru analiz\u0103 a fost luat \u00een calcul un prag orientativ de 50% \u0219i un nivel al DAE de 6% (la ora actual\u0103, cea mai bun\u0103 ofert\u0103 din pia\u021b\u0103 are un cost anual de 5,45%, \u00eens\u0103 cu op\u021biunea de virare a venitului prin banc\u0103).<\/p>\n<p>Cu 1.500 de lei pe lun\u0103 poate fi accesat un \u00eemprumut de circa 18.700 de euro. Lu\u00e2nd \u00een calcul un avans de 25% (nivelul minim necesar pentru creditele ipotecare \u00een valut\u0103 atunci c\u00e2nd clientul are veniturile \u00een lei), rezult\u0103 c\u0103, \u00een baza acestei sume, o familie de dou\u0103 persoane poate cump\u0103ra o cas\u0103 de aproape 25.000 de euro (24.900 de euro). <\/p>\n<p>Cei care sunt pl\u0103ti\u021bi cu 2.000 de lei pe lun\u0103 ar primi o finan\u021bare de aproape 28.000 (27.960 de euro) de euro, ceea ce le-ar permite achizi\u021bia unei locuin\u021be la un pre\u021b de 37.200 de euro.<\/p>\n<p>\u00cen baza unui venit de 2.500 de lei la nivel de familie, b\u0103ncile ar acorda un \u00eemprumut de circa 37.200 de lei, suficient pentru cump\u0103rarea unei unit\u0103\u021bi locative de 49.600 de euro.<\/p>\n<p>O familie cu un salariu cumulat de 3.000 de lei pe lun\u0103 s-ar califica pentru un credit de aproape 46.500 de euro; cu avansul de 25%, ar putea achizi\u021biona o cas\u0103 de 62.000 de euro.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Speciali\u0219tii recomand\u0103 \u00eencadrarea \u00eentr-un grad de \u00eendatorare sensibil mai mic dec\u00e2t nivelul maxim permis de c\u0103tre b\u0103nci. Dac\u0103 te g\u00e2nde\u0219ti la achizi\u021bia unei locuin\u021be, una dintre primele \u00eentreb\u0103ri la care ar trebui s\u0103 cau\u021bi r\u0103spuns este \u201eCe fel de cas\u0103 \u00eemi permit?\u201d, mai mult dec\u00e2t \u201eCe fel de cas\u0103 vreau?\u201d. Pentru aceasta, po\u021bi folosi ca [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":28849,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[294,480,1410,1411],"content_author":[],"class_list":["post-28848","post","type-post","status-publish","format-standard","has-post-thumbnail","category-credite","category-stiri","tag-credite-2","tag-cumparator","tag-newsletter","tag-principal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Calcul pentru credit ipotecar: ce cas\u0103 po\u021bi s\u0103-\u021bi iei \u00een func\u021bie de venit!<\/title>\n<meta name=\"description\" content=\"Dac\u0103 te g\u00e2nde\u0219ti la achizi\u021bia unei locuin\u021be, una dintre primele \u00eentreb\u0103ri la care ar trebui s\u0103 cau\u021bi r\u0103spuns este \u201eCe fel de cas\u0103 \u00eemi permit?\u201d, mai mult dec\u00e2t \u201eCe fel de cas\u0103 vreau?\u201d. Pentru aceasta, po\u021bi folosi ca reper nivelul de finan\u021bare pe care l-ai primi la o solicitare de credit.\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/spune-mi-ce-venit-ai-ca-sa-ti-spun-ce-casa-poti-sa-ti-iei_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Calcul pentru credit ipotecar: ce cas\u0103 po\u021bi s\u0103-\u021bi iei \u00een func\u021bie de venit!\" \/>\n<meta property=\"og:description\" content=\"Dac\u0103 te g\u00e2nde\u0219ti la achizi\u021bia unei locuin\u021be, una dintre primele \u00eentreb\u0103ri la care ar trebui s\u0103 cau\u021bi r\u0103spuns este \u201eCe fel de cas\u0103 \u00eemi permit?\u201d, mai mult dec\u00e2t \u201eCe fel de cas\u0103 vreau?\u201d. 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