{"id":31189,"date":"2014-07-31T11:00:23","date_gmt":"2014-07-31T08:00:23","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=31189"},"modified":"2014-07-31T11:00:23","modified_gmt":"2014-07-31T08:00:23","slug":"vrei-sa-ti-cumperi-o-casa-ce-tip-de-credit-ti-se-potriveste","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/vrei-sa-ti-cumperi-o-casa-ce-tip-de-credit-ti-se-potriveste_db\/","title":{"rendered":"Vrei s\u0103-\u021bi cumperi o cas\u0103? Ce tip de credit \u021bi se potrive\u0219te"},"content":{"rendered":"<p><strong>Tabloul ofertelor de \u00eemprumuturi ipotecare arat\u0103 semnificativ diferit comparativ cu acum 12 luni.<\/strong><\/p>\n<p>A trecut aproape un an de la decizia autorit\u0103\u021bilor de a restric\u021biona programul Prima Cas\u0103 la moneda na\u021bional\u0103. \u00centre timp, tabloul ofertelor autohtone de creditare pentru locuin\u021be s-a schimbat semnificativ. La momentul implement\u0103rii acestei schimb\u0103ri, creditul co-garantat de c\u0103tre stat \u00een lei era pu\u021bin atractiv pentru poten\u021bialii cump\u0103r\u0103tori \u2013 \u00een condi\u021biile \u00een care presupunea achitarea unei rate lunare cu circa 30% mai mare fa\u021b\u0103 de echivalentul s\u0103u \u00een euro. Ast\u0103zi \u00eens\u0103, lucrurile arat\u0103 cu totul diferit.<\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/07\/cumparare-casa.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-31190\" alt=\"http:\/\/www.dreamstime.com\/royalty-free-stock-image-hand-holding-house-keys-euro-money-female-little-bills-image34010956\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/07\/cumparare-casa.jpg\" width=\"600\" height=\"504\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/07\/cumparare-casa.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/07\/cumparare-casa-300x252.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p><strong>1.000 de lei, rata la un credit de 45.000 de euro<\/strong><br \/>\nLu\u00e2nd ca exemplu un \u00eemprumut ipotecar \u00een valoare de 200.000 de lei, contractat pe o perioad\u0103 de 30 de ani, cea mai bun\u0103 ofert\u0103 pe segmentul Prima Cas\u0103 presupune achitarea unei rate lunare \u00een valoare de 991 de lei, potrivit <a class=\"article-body-links\"href=\"http:\/\/www.conso.ro\/\">Conso.ro<\/a>. Pe de alt\u0103 parte, la un credit ipotecar standard \u00een lei \u2013 pentru aceea\u0219i sum\u0103 \u0219i aceea\u0219i perioad\u0103 \u2013, un debitor ar trebui s\u0103 scoat\u0103 din buzunar circa 1.104 lei. Spre compara\u021bie, rata aferent\u0103 unui \u00eemprumut \u00een valoare de 45.428 de euro (echivalentul sumei de 200.000 de lei) s-ar ridica la circa 244 de euro, respectiv la aproximativ 1.075 de lei.<\/p>\n<p><strong>Avansul face diferen\u021ba!<\/strong><br \/>\nEste evident c\u0103, \u00een momentul de fa\u021b\u0103, costurile celor trei tipuri majore de credite ipotecare se situeaz\u0103 la un nivel foarte apropiat. Practic, ceea ce continu\u0103 s\u0103 fac\u0103 diferen\u021ba \u00eentre aceste trei solu\u021bii de finan\u021bare este cuantumul avansului solicitat de c\u0103tre b\u0103nci. Astfel, pentru Prima Cas\u0103, solicitan\u021bii trebuie s\u0103 dispun\u0103 de un minimum de 5% din valoarea imobilului, \u00een timp ce, pentru un credit standard \u00een lei, b\u0103ncile solicit\u0103 un minimum de 15%, iar pentru unul \u00een euro, o pondere de 25% din valoarea propriet\u0103\u021bii.<\/p>\n<p>Asta \u00eenseamn\u0103 c\u0103, dac\u0103 te \u00eencadrezi \u00een categoria clien\u021bilor care nu dispun de o sum\u0103 foarte mare la momentul achizi\u021biei, un credit Prima Cas\u0103 r\u0103m\u00e2ne, \u00een mod evident, cea mai bun\u0103 op\u021biune (at\u00e2t timp c\u00e2t te \u00eencadrezi \u00een condi\u021biile de eligibilitate ale programului, bine\u00een\u021beles). Dac\u0103 dispui \u00eens\u0103 de ceva mai multe economii, po\u021bi apela at\u00e2t la un credit co-garantat de c\u0103tre stat (pentru care po\u021bi achita un avans mai mare), c\u00e2t \u0219i la celelalte dou\u0103 solu\u021bii ipotecare (acestea din urm\u0103 pot fi mai atractive datorit\u0103 birocra\u021biei mai reduse implicate \u00een procesul de aprobare \u0219i acordare a \u00eemprumutului). De men\u021bionat este c\u0103, de\u0219i achitarea unui avans mai mare poate fi un impediment la momentul \u00eencheierii tranzac\u021biei, ea reprezint\u0103 de fapt un real avantaj pe termen lung, \u00eentruc\u00e2t suma pe care o vei avea de restituit \u00een final la banc\u0103 va fi considerabil mai mic\u0103.<\/p>\n<div style=\"border: 1px solid #f0e58b; background-color: #fffcde; padding: 25px;\"><strong>C\u00e2\u021bi bani au mai r\u0103mas pentru Prima Cas\u0103<\/strong><br \/>\nCele mai recente date publicate de FNGCIMM (Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderi Mici \u0219i Mijlocii) arat\u0103 c\u0103, dup\u0103 prima jum\u0103tate a anului, cei interesa\u021bi de accesarea unui credit de tip Prima Cas\u0103 mai au la dispozi\u021bie mai bine de jum\u0103tate din plafonul alocat pentru 2014. \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.De men\u021bionat este 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 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). <\/div>\n<p><strong>Cite\u0219te \u0219i: <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente\/5-ani-de-prima-casa-apartamentele-de-pana-la-60-000-de-euro-domina-piata-vezi-unde_db\/\">5 ani de Prima Cas\u0103: apartamentele de p\u00e2n\u0103 la 60.000 de euro domin\u0103 pia\u021ba! Vezi unde<\/a><\/strong><em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tabloul ofertelor de \u00eemprumuturi ipotecare arat\u0103 semnificativ diferit comparativ cu acum 12 luni. A trecut aproape un an de la decizia autorit\u0103\u021bilor de a restric\u021biona programul Prima Cas\u0103 la moneda na\u021bional\u0103. \u00centre timp, tabloul ofertelor autohtone de creditare pentru locuin\u021be s-a schimbat semnificativ. La momentul implement\u0103rii acestei schimb\u0103ri, creditul co-garantat de c\u0103tre stat \u00een lei [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":31190,"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-31189","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-stiri","tag-credite-2","tag-cumparator","tag-newsletter","tag-principal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Vrei s\u0103-\u021bi cumperi o cas\u0103? 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