{"id":29582,"date":"2014-04-23T14:11:53","date_gmt":"2014-04-23T11:11:53","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=29582"},"modified":"2014-04-23T14:11:53","modified_gmt":"2014-04-23T11:11:53","slug":"pro-si-contra-vietii-de-chirias","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/pro-si-contra-vietii-de-chirias_db\/","title":{"rendered":"Pro \u0219i contra vie\u021bii de chiria\u0219"},"content":{"rendered":"

\u00cen \u021b\u0103ri occidentale precum Statele Unite ale Americii sau Germania, a sta \u00een chirie este o solu\u021bie c\u00e2t se poate de practic\u0103 \u0219i popular\u0103. <\/strong><\/p>\n

Spre deosebire de Rom\u00e2nia, unde cea mai mare parte a popula\u021biei (peste 90%, potrivit datelor Eurostat – Biroul de Statistic\u0103 al Uniunii Europene) prefer\u0103 s\u0103 de\u021bin\u0103 propria locuin\u021b\u0103, \u00een \u021b\u0103ri precum Statele Unite ale Americii sau Germania, varianta \u00eenchirierii este extrem de popular\u0103. Aceasta din urm\u0103 are, desigur, o serie de avantaje semnificative, \u00eens\u0103 vine \u201ela pachet\u201d \u0219i cu c\u00e2teva dezavantaje. <\/p>\n

Imobiliare.ro<\/a><\/strong> prezint\u0103, \u00een cele de mai jos, c\u00e2teva argumente pro \u0219i contra \u00eenchirierii unei locuin\u021be:<\/p>\n

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

Avantaje:<\/strong><\/em>
\n1. E\u0219ti liber s\u0103 te mu\u021bi oric\u00e2nd:<\/strong>
\n\u00cen timp ce un proprietar este, \u00eentr-o oarecare m\u0103sur\u0103 cel pu\u021bin, \u201elegat\u201d de casa \u00een care locuie\u0219te, un chiria\u0219 poate decide oric\u00e2nd s\u0103 se mute \u2013 rapid \u0219i f\u0103r\u0103 (prea multe) b\u0103t\u0103i de cap. Spre exemplu, dac\u0103 \u021bi se ofer\u0103 un loc de munc\u0103 mai bun \u00een alt ora\u0219 al \u021b\u0103rii, po\u021bi porni la drum \u0219i \u00een c\u00e2teva zile, cu toate bagajele f\u0103cute. De asemenea, atunci c\u00e2nd stai \u00een chirie te po\u021bi adapta cu u\u0219urin\u021b\u0103 la evolu\u021bia situa\u021biei tale materiale sau familiale, opt\u00e2nd pentru o locuin\u021b\u0103 mai mare sau mai mic\u0103 sau pentru una situat\u0103 \u00eentr-un alt cartier. <\/p>\n

2. Scapi de presiunea ratei la banc\u0103:<\/strong>
\nChiar dac\u0103 suma pe care trebuie s\u0103 o pl\u0103te\u0219ti lunar pe chirie poate fi perfect comparabil\u0103 cu rata la un credit ipotecar, presiunea psihologic\u0103 resim\u021bit\u0103 de un proprietar de locuin\u021b\u0103 este mult mai mare dec\u00e2t cea a unui locatar temporar. Asta pentru c\u0103, \u00een caz de imposibilitate de plat\u0103, cel dint\u00e2i poate ajunge s\u0103 piard\u0103 casa \u00een care a investit ani de zile, \u00een vreme ce chiria\u0219ul nu pierde, practic, nimic.<\/p>\n

3. Nu ai responsabilit\u0103\u021bile de\u021binerii unei propriet\u0103\u021bi:<\/strong>
\n\u00cen \u021b\u0103rile occidentale, unul dintre avantajele majore ale statului \u00een chirie const\u0103 \u00een faptul c\u0103 e\u0219ti \u201escutit\u201d de plata taxelor pe proprietate – ce pot ajunge la valori considerabile. \u0218i \u00een Rom\u00e2nia, acesta este un punct forte demn de luat \u00een seam\u0103, chiar dac\u0103 aceste cheltuieli nu sunt at\u00e2t de mari. \u00cen plus, un chiria\u0219 nu va trebui s\u0103 se preocupe nici de lucr\u0103rile de repara\u021bie sau renovare a locuin\u021bei, de uzura sa \u00een timp sau a dot\u0103rilor acesteia.<\/p>\n

Dezavantaje:<\/strong><\/em>
\n1. Banii pe care \u00eei pl\u0103te\u0219ti lunar pe chirie sunt \u201epierdu\u021bi\u201d:<\/strong>
\nPoate c\u0103 dezavantajul resim\u021bit cel mai acut de chiria\u0219i este senza\u021bia c\u0103 banii pe care \u00eei pl\u0103tesc \u00een fiecare lun\u0103 proprietarului sunt \u201epierdu\u021bi\u201d. Asta reiese, cel pu\u021bin, din compara\u021bia cu varianta contract\u0103rii unui credit ipotecar, caz \u00een care rata lunar\u0103 achitat\u0103 c\u0103tre banc\u0103 se \u201eadun\u0103\u201d \u00een contul pre\u021bului pl\u0103tit pentru propria locuin\u021b\u0103 (chiar dac\u0103, \u00een urma dob\u00e2nzilor \u0219i comisioanelor, aceasta ajunge s\u0103 coste de dou\u0103 sau chiar de trei ori mai mult dec\u00e2t valoarea sa efectiv\u0103 de achizi\u021bie). Speran\u021ba c\u0103, dup\u0103 10, 20 sau 30 de ani de efort financiar, vei \u201er\u0103m\u00e2ne cu ceva\u201d este una ce c\u00e2nt\u0103re\u0219te greu \u00een ochii proprietarului.<\/p>\n

2. Nu te po\u021bi stabili \u00eentr-un loc:<\/strong>
\nFlexibilitatea caracteristic\u0103 vie\u021bii \u00een chirie este doar o fa\u021bet\u0103 a monedei \u2013 reversul s\u0103u este \u00eens\u0103 instabilitatea. Fa\u021b\u0103 de alte \u021b\u0103ri \u201ecu tradi\u021bie\u201d \u00een domeniu, acest dezavantaj este resim\u021bit mult mai acut \u00een Rom\u00e2nia, unde \u00eenchirierile pe termen lung (de peste doi ani) sunt destul de rare. Mai ales pentru familiile cu copii, a te muta din loc \u00een loc este o provocare serioas\u0103. <\/p>\n

3. E\u0219ti constr\u00e2ns \u00een ceea ce prive\u0219te amenajarea casei:<\/strong>
\nPentru cei care tind s\u0103 se stabileasc\u0103 \u00eentr-un loc \u0219i s\u0103-l transforme \u00een \u201eacas\u0103\u201d, statul \u00een chirie poate deveni o problem\u0103. Exist\u0103, desigur, varianta de a \u00eenchiria un apartament nemobilat, pentru a-l amenaja dup\u0103 propriile gusturi, \u00eens\u0103 oferta pe acest segment nu este foarte consistent\u0103. \u00cen plus, a te muta \u00een mod repetat cu tot ce ai prin cas\u0103 (mobil\u0103, aragaz, frigider, ma\u0219in\u0103 de sp\u0103lat etc.) este o perspectiv\u0103 ce complic\u0103 mult via\u021ba de chiria\u0219.<\/p>\n

Cite\u0219te \u0219i: Tu c\u00e2t \u00ee\u021bi permi\u021bi s\u0103 dai pe chirie: 3 sfaturi utile la stabilirea unui buget<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u00cen \u021b\u0103ri occidentale precum Statele Unite ale Americii sau Germania, a sta \u00een chirie este o solu\u021bie c\u00e2t se poate de practic\u0103 \u0219i popular\u0103. Spre deosebire de Rom\u00e2nia, unde cea mai mare parte a popula\u021biei (peste 90%, potrivit datelor Eurostat – Biroul de Statistic\u0103 al Uniunii Europene) prefer\u0103 s\u0103 de\u021bin\u0103 propria locuin\u021b\u0103, \u00een \u021b\u0103ri precum […]<\/p>\n","protected":false},"author":829,"featured_media":29583,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[267,264,259],"tags":[274,1410,1411,1033],"content_author":[],"class_list":{"0":"post-29582","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-chiriasi","8":"category-ghid-imobiliar","9":"category-stiri","10":"tag-chirias","11":"tag-newsletter","12":"tag-principal","13":"tag-sfaturi"},"yoast_head":"\nPro \u0219i contra vie\u021bii de chiria\u0219 - Chiria\u015fi, Sfaturi, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"\u00cen \u021b\u0103ri occidentale precum Statele Unite ale Americii sau Germania, a sta \u00een chirie este o solu\u021bie c\u00e2t se poate de practic\u0103 \u0219i popular\u0103. Spre deosebire de\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/pro-si-contra-vietii-de-chirias_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pro \u0219i contra vie\u021bii de chiria\u0219 - Chiria\u015fi, Sfaturi, \u0218tiri - ImoExpert\" \/>\n<meta property=\"og:description\" content=\"\u00cen \u021b\u0103ri occidentale precum Statele Unite ale Americii sau Germania, a sta \u00een chirie este o solu\u021bie c\u00e2t se poate de practic\u0103 \u0219i popular\u0103. 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