{"id":2937,"date":"2009-12-14T10:46:39","date_gmt":"2009-12-14T07:46:39","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=2937"},"modified":"2009-12-14T10:46:39","modified_gmt":"2009-12-14T07:46:39","slug":"cum-sa-te-asiguri-ca-dosarul-pentru-prima-casa-va-fi-aprobat","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/cum-sa-te-asiguri-ca-dosarul-pentru-prima-casa-va-fi-aprobat_db\/","title":{"rendered":"Cum sa te asiguri ca dosarul pentru Prima Casa va fi aprobat"},"content":{"rendered":"<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2009\/12\/credit-prima-casa.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2009\/12\/credit-prima-casa-199x300.jpg\" alt=\"\" width=\"199\" height=\"300\" class=\"alignleft size-medium wp-image-2940\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2009\/12\/credit-prima-casa-199x300.jpg 199w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2009\/12\/credit-prima-casa.jpg 319w\" sizes=\"auto, (max-width: 199px) 100vw, 199px\" \/><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 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-69fde6588a272\" 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-69fde6588a272\"  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\/cum-sa-te-asiguri-ca-dosarul-pentru-prima-casa-va-fi-aprobat_db\/#Intocmirea_adecvata_a_documentatiei_si_cautarea_unei_proprietati_corespunzatoare_sunt_conditii_necesare_pentru_aprobarea_dosarului_Prima_Casa\" >Intocmirea adecvata a documentatiei si cautarea unei proprietati corespunzatoare sunt conditii necesare pentru aprobarea dosarului Prima Casa.<\/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\/cum-sa-te-asiguri-ca-dosarul-pentru-prima-casa-va-fi-aprobat_db\/#Evita_apartametele_foarte_vechi\" >Evita apartametele foarte vechi!<\/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\/cum-sa-te-asiguri-ca-dosarul-pentru-prima-casa-va-fi-aprobat_db\/#Cand_dosarul_se_opreste_la_banca\" >Cand dosarul se opreste la banca<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/cum-sa-te-asiguri-ca-dosarul-pentru-prima-casa-va-fi-aprobat_db\/#Evaluare_mai_mica_decat_pretul_cerut\" >Evaluare mai mica decat pretul cerut<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/cum-sa-te-asiguri-ca-dosarul-pentru-prima-casa-va-fi-aprobat_db\/#Daca_FNGCIMM_spune_%E2%80%9Enu%E2%80%9D\" >Daca FNGCIMM spune \u201enu\u201d<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Intocmirea_adecvata_a_documentatiei_si_cautarea_unei_proprietati_corespunzatoare_sunt_conditii_necesare_pentru_aprobarea_dosarului_Prima_Casa\"><\/span>Intocmirea adecvata a documentatiei si cautarea unei proprietati corespunzatoare sunt conditii necesare pentru aprobarea dosarului Prima Casa.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Orice aplicant la un credit \u2013 prin Prima Casa sau nu \u2013 vrea sa se asigure ca face tot posibilul ca cererea sa-i fie aprobata. In cazul unui imprumut garantat de catre stat, lucrurile sunt ceva mai complicate: in ecuatie apare un al al doilea hop ce trebuie depasit \u2013 Fondul National de Garantare a Creditelor pentru IMM-uri  (<a class=\"article-body-links\"href=\"http:\/\/www.fngcimm.ro\/primacasa.php\">FNGCIMM<\/a>). Chiar si asa insa, exista cateva criterii prin respectarea carora solicitantii pot evita respingerea dosarului de creditare. Potrivit lui Florin Urzica, directorul agentiei imobiliare Landexperts, primul lucru pe care ar trebui sa-l faca un potential cumparator este sa se informeze cu privire la suma pe care o poate obtine de la diferite banci, pentru a alege cea mai potrivita solutie pentru nevoile sale. Cautarea proprietatii de achizitionat se va face numai in limita sumei maxime ce poate fi acordata de catre banca aleasa.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Evita_apartametele_foarte_vechi\"><\/span>Evita apartametele foarte vechi!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pasul urmator consta in pregatirea dosarului de creditare \u2013 pentru a fi aprobat, cumparatorul trebuie sa se asigure ca acesta este complet. \u201eDaca dosarul trece din punct de vedere juridic si financiar, nu ar trebui sa fie nicio problema\u201d, spune Urzica. Un element ce trebuie luat neaparat in seama este ca solicitantul sa nu mai fi avut nicio alta proprietate. Un alt lucru important, pentru banca cel putin, este ca imobilul sa nu fie foarte vechi, in niciun caz mai vechi de anii 1970 \u2013 in caz contrar, cel mai probabil ca imprumutul nu va fi aprobat. Apoi, la FNGCIMM, aprobarea dosarului merge mai greu decat la banca &#8211; in esenta insa, daca lucrurile au fost deja aprobate de catre institutia finantatoare, nu ar trebui sa existe probleme.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cand_dosarul_se_opreste_la_banca\"><\/span>Cand dosarul se opreste la banca<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Daca nu a respectat unul sau mai multi dintre acesti pasi, iar dosarul i-a fost respins, un aplicant mai poate face totusi ceva. Totul depinde de motivul pentru care a fost respins dosarul. Este foarte important asadar sa afle acest motiv, pentru a putea remedia lucrurile, spune Laurentiu Munteanu, sales manager  in cadrul agentiei Activ Imob. In cazul in care banca respinge un dosar din considerente financiare (solicitantul nu se incadreaza pentru suma ceruta), schimbarea institutiei finantatoare nu poate avea un rezultat hotarator. Asta pentru ca diferenta dintre pragurile de acordare a creditelor de catre diferite banci este una destul de redusa, de 2.000-3.000 de euro. Cea mai buna varianta in aceasta situatie este cautarea unei proprietati mai ieftine, care sa se incadreze in suma standard ce poate fi aprobata de catre banca, tinand cont de veniturile cumparatorului.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Evaluare_mai_mica_decat_pretul_cerut\"><\/span>Evaluare mai mica decat pretul cerut<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Un alt motiv pentru care banca ar putea respinge un dosar apare in situatiile in care evaluarea apartamentului este mai mica decat pretul solicitat de proprietar \u2013 caz in care banca nu poate acoperi diferenta prin imprumut. In aceasta situatie, cea mai buna solutie consta in gasirea unei alte proprietati, a carei evaluare sa se potriveasca cu pretul cerut. \u201eAm avut mai multe cazuri de genul acesta, in care am schimbat proprietatile pana cand dosarul a fost acceptat de catre banca\u201d, spune Munteanu. Cumparatorului ii este recomandat sa nu incheie un antecontract de vanzare-cumparare inainte de a se asigura ca evaluarea unui expert corespunde cu pretul solicitat de proprietar, pentru ca altfel poate pierde avansul. Tot pentru a evita acest lucru, antecontractul de vanzare-cumparare ar trebui incheiat pe o perioada de cel putin doua luni, ca sa acopere astfel eventualele intarzieri in procesul de aprobare, adauga Urzica.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Daca_FNGCIMM_spune_%E2%80%9Enu%E2%80%9D\"><\/span>Daca FNGCIMM spune \u201enu\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In cazul in care dosarul de creditare trece de banca, dar nu este aprobat de <a class=\"article-body-links\"href=\"http:\/\/www.fngcimm.ro\/primacasa.php\">FNGCIMM<\/a>, cea mai probabila cauza ar fi problemele legate de proprietate in sine. Motivele financiare nu ar trebui sa constituie un motiv de respingere, deoarece banca insasi este garantia ca aceste aspecte corespund cerintelor de creditare. In cazul in care dosarul se opreste la <a class=\"article-body-links\"href=\"http:\/\/www.fngcimm.ro\/primacasa.php\">FNGCIMM<\/a>, recomandarea nu este schimbarea bancii, ci cautarea unei alte proprietati si intocmirea unui alt dosar de creditare, spune Munteanu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Intocmirea adecvata a documentatiei si cautarea unei proprietati corespunzatoare sunt conditii necesare pentru aprobarea dosarului Prima Casa. Orice aplicant la un credit \u2013 prin Prima Casa sau nu \u2013 vrea sa se asigure ca face tot posibilul ca cererea sa-i fie aprobata. In cazul unui imprumut garantat de catre stat, lucrurile sunt ceva mai complicate: [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[306],"content_author":[],"class_list":{"0":"post-2937","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"tag-articole"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cum sa te asiguri ca dosarul pentru Prima Casa va fi aprobat<\/title>\n<meta name=\"description\" content=\"Intocmirea adecvata a documentatiei si cautarea unei proprietati corespunzatoare sunt conditii necesare pentru aprobarea dosarului Prima Casa.\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" 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