{"id":31097,"date":"2014-07-23T15:00:16","date_gmt":"2014-07-23T12:00:16","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=31097"},"modified":"2014-07-23T15:00:16","modified_gmt":"2014-07-23T12:00:16","slug":"colacul-de-salvare-al-vanzatorilor-de-locuinte-cati-bani-mai-au-de-fapt-romanii-pentru-achizitii-prin-prima-casa","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/colacul-de-salvare-al-vanzatorilor-de-locuinte-cati-bani-mai-au-de-fapt-romanii-pentru-achizitii-prin-prima-casa_db\/","title":{"rendered":"Colacul de salvare al v\u00e2nz\u0103torilor de locuin\u021be: c\u00e2\u021bi bani mai au de fapt rom\u00e2nii pentru achizi\u021bii prin Prima Cas\u0103"},"content":{"rendered":"

Creditele ipotecare co-garantate de c\u0103tre stat au sus\u021binut cererea de apartamente destinate popula\u021biei cu venituri medii, fie ele \u00een blocuri vechi sau noi.<\/strong><\/p>\n

De la demararea sa, \u00een iunie 2009, programul Prima Cas\u0103 \u2013 prin care statul a decis s\u0103 co-garanteze acordarea de credite ipotecare c\u0103tre popula\u021bie, la un nivel redus de avans \u0219i dob\u00e2nd\u0103 \u2013 a func\u021bionat ca un veritabil \u201ecolac de salvare\u201d pentru reziden\u021bialul autohton. De\u0219i \u00een pia\u021b\u0103 exist\u0103 \u0219i voci critice la adresa acestei ini\u021biative, nu \u00eencape \u00eendoial\u0103 c\u0103 garan\u021biile acordate de c\u0103tre stat au sus\u021binut cererea de locuin\u021be, cel pu\u021bin pe segmentul apartamentelor destinate popula\u021biei cu venituri medii, fie ele vechi sau noi. <\/p>\n

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

C\u0103t\u0103lin Grigore, managerul agen\u021biei Sud Reziden\u021bial, programul guvernamental este foarte important pentru pia\u021ba local\u0103; acesta estimeaz\u0103 c\u0103, \u00een zona de sud a Bucure\u0219tiului, circa 75% dintre achizi\u021biile de locuin\u021be noi au loc prin intermediul unui credit co-garantat de c\u0103tre stat. \u0218i Giorgic\u0103 Baicu, dezvoltator \u00een aceast\u0103 zon\u0103 a Capitalei, recunoa\u0219te rolul semnificativ al Primei Case. \u00cen opinia sa, \u00een absen\u021ba acestei facilit\u0103\u021bi de finan\u021bare, o mare parte din proiectele din Bucure\u0219ti s-ar opri. <\/p>\n

11.000 de garan\u021bii \u00een primele 6 luni<\/strong>
\nProgramul guvernamental a \u00eenceput anul 2014 cu un plafon de garantare de aproximativ 2,08 miliarde de lei \u2013 acesta permitea acordarea de credite \u00een valoare total\u0103 de aproape 4,17 miliarde de lei, respectiv dublul sumei alocate de c\u0103tre Guvern pentru program (datorit\u0103 \u00eemp\u0103r\u021birii riscurilor de creditare \u00eentre stat \u0219i institu\u021biile finan\u021batoare, \u00een propor\u021bie de 50%-50%). Datele oficiale arat\u0103 c\u0103, dup\u0103 primul semestru din 2014, cei interesa\u021bi de accesarea unui astfel de \u00eemprumut mai au la dispozi\u021bie mai bine de jum\u0103tate din plafonul ini\u021bial. \u201eDup\u0103 primele \u0219ase luni ale anului 2014 FNGCIMM \u00eenregistreaz\u0103 peste 11.000 de garan\u021bii acordate \u00een cadrul Programului Prima Cas\u0103. Programul continu\u0103 s\u0103 fie cerut \u0219i apreciat de public, \u00een condi\u021biile men\u021binerii unei rate de nerambursare a creditelor de numai 0,2%, plafonul disponibil \u00een acest moment \u00een cadrul programului Prima Cas\u0103 fiind de circa 1.090 milioane lei\u201d, arat\u0103 oficialii FNGCIMM (Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderi Mici \u0219i Mijlocii). <\/p>\n

Cite\u0219te \u0219i: Se risipe\u0219te spectrul crizei? Tot mai mul\u021bi rom\u00e2ni \u00ee\u0219i cump\u0103r\u0103 o cas\u0103!<\/a><\/strong><\/em><\/p>\n

Fonduri pentru 7.600 de locuin\u021be de pe pia\u021ba liber\u0103<\/strong>
\nDe\u0219i aceste cifre sunt \u00eembucur\u0103toare la prima vedere \u2013 ele ce ar \u00eensemna c\u0103 fondurile r\u0103mase pentru alocarea de credite co-garantate de c\u0103tre stat ar trebui s\u0103 fie suficiente p\u00e2n\u0103 la finele anului \u2013, ele pun totu\u0219i o problem\u0103 v\u00e2nz\u0103torilor de locuin\u021be. Este vorba de faptul c\u0103 plafonul de garantare r\u0103mas include o sum\u0103 consistent\u0103 \u2013 circa 490 milioane de lei \u2013 destinat\u0103 exclusiv achizi\u021biei de unit\u0103\u021bi locative prin intermediul Agen\u021biei Na\u021bionale de Locuin\u021be (ANL). Asta \u00eenseamn\u0103 c\u0103, \u00een urm\u0103toarele \u0219ase luni, rom\u00e2nii mai au de fapt la dispozi\u021bie doar 600 de milioane de lei pentru cump\u0103rarea de locuin\u021be de pe pia\u021ba liber\u0103, fie ele apartamente vechi sau noi; aceast\u0103 sum\u0103 ar permite contractarea de credite \u00een valoare total\u0103 de 1,2 miliarde de lei (suma garantat\u0103 de c\u0103tre stat se dubleaz\u0103, deoarece b\u0103ncile suport\u0103 50% din risc). Lu\u00e2nd \u00een calcul valoarea medie a unui credit Prima Cas\u0103 consemnat\u0103 \u00een primele cinci luni din 2014 \u2013 35.600 de euro (echivalentul a 156.590 de lei, raportat la cursul valabil \u00een luna mai) \u2013, reiese c\u0103 cei interesa\u021bi ar mai putea achizi\u021biona p\u00e2n\u0103 la finele anului circa 7.600 de locuin\u021be de pe pia\u021ba liber\u0103.<\/p>\n

\n5 ani \u0219i aproape 120.000 de beneficiari<\/strong>
\n\u00cen primele \u0219ase luni din 2014, cele mai multe de solicit\u0103ri de credite de tip Prima Cas\u0103 au venit din municipiul Bucure\u015fti (27,6% din total), jude\u021bul Cluj (8,1%), Ilfov (7,1%), Timi\u0219 (5,8%), urmate de jude\u021bele Constan\u021ba, Bra\u0219ov, Sibiu \u015fi Ia\u0219i (fiecare cu o pondere cuprins\u0103 \u00eentre 3% \u0219i 5% fiecare. De la \u00eenceputul programului p\u00e2n\u0103 la data de 20 iulie 2014, statul a aprobat peste 119.200 de garan\u021bii, \u00een valoare de circa 2,3 miliarde de euro, pentru credite accesate \u00een valoare de peste 4,56 miliarde de euro. \u00cen acest r\u0103stimp, valoarea medie a unei finan\u0163\u0103ri accesate a fost de 38.300 de euro.\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Creditele ipotecare co-garantate de c\u0103tre stat au sus\u021binut cererea de apartamente destinate popula\u021biei cu venituri medii, fie ele \u00een blocuri vechi sau noi. De la demararea sa, \u00een iunie 2009, programul Prima Cas\u0103 \u2013 prin care statul a decis s\u0103 co-garanteze acordarea de credite ipotecare c\u0103tre popula\u021bie, la un nivel redus de avans \u0219i dob\u00e2nd\u0103 […]<\/p>\n","protected":false},"author":829,"featured_media":31099,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[1410,1548,1411,451],"content_author":[],"class_list":{"0":"post-31097","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credite","8":"category-stiri","9":"tag-newsletter","10":"tag-prima-casa","11":"tag-principal","12":"tag-proprietar"},"yoast_head":"\nColacul de salvare al v\u00e2nz\u0103torilor de locuin\u021be: c\u00e2\u021bi bani mai au de fapt rom\u00e2nii pentru achizi\u021bii prin Prima Cas\u0103 - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" 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