{"id":32677,"date":"2014-11-19T16:14:22","date_gmt":"2014-11-19T14:14:22","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=32677"},"modified":"2014-11-19T16:14:22","modified_gmt":"2014-11-19T14:14:22","slug":"rata-la-credit-mai-mica-decat-chiria-cu-cat-poti-iesi-mai-ieftin","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/rata-la-credit-mai-mica-decat-chiria-cu-cat-poti-iesi-mai-ieftin_db\/","title":{"rendered":"Rata la credit, mai mic\u0103 dec\u00e2t chiria. Cu c\u00e2t po\u021bi ie\u0219i mai ieftin?"},"content":{"rendered":"<p><strong>Programul Prima Cas\u0103 r\u0103m\u00e2ne una dintre cele mai avantajoase metode de achizi\u021bie, datorit\u0103 avansului \u0219i dob\u00e2nzii reduse.<\/strong><\/p>\n<p>\u00cen anii de boom imobiliar, c\u00e2nd pre\u021burile locuin\u021belor cre\u0219teau de la o zi la alta, nu oricine \u00ee\u0219i permitea s\u0103 fac\u0103 o achizi\u021bie prin credit. Mai ales \u00een Capital\u0103, dar \u0219i \u00een alte mari ora\u0219e ale \u021b\u0103rii, \u00eenchirierea era considerat\u0103 o solu\u021bie mult mai avantajoas\u0103 din punct de vedere financiar (cel pu\u021bin pe termen scurt). Cei peste \u0219ase ani de recesiune au schimbat \u00eens\u0103 semnificativ datele problemei.<\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/11\/cheie-apartament-nou.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/11\/cheie-apartament-nou.jpg\" alt=\"http:\/\/www.dreamstime.com\/royalty-free-stock-photos-real-estate-agent-holding-keys-to-new-apartment-her-hands-industry-image40258998\" width=\"600\" height=\"400\" class=\"aligncenter size-full wp-image-32679\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/11\/cheie-apartament-nou.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/11\/cheie-apartament-nou-300x200.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/11\/cheie-apartament-nou-87x57.jpg 87w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/11\/cheie-apartament-nou-65x43.jpg 65w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/11\/cheie-apartament-nou-154x103.jpg 154w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>Un studiu realizat de Banca Rom\u00e2neasc\u0103 S.A. (membr\u0103 a Grupului National Bank of Greece) \u0219i <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/\">Imobiliare.ro<\/a><\/strong> \u00ee\u0219i propune s\u0103 ilustreze diferen\u021ba dintre chirie \u0219i rata lunar\u0103 pentru locuin\u021bele contractate prin programul Prima Cas\u0103. Analiza ia \u00een calcul at\u00e2t chiriile, c\u00e2t \u0219i pre\u021burile medii solicitate pentru <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/vanzare-apartamente\">apartamentele disponibile spre v\u00e2nzare<\/a> (cu una, dou\u0103 \u0219i trei camere) din nou\u0103 cartiere bucure\u0219tene, dar \u0219i din alte nou\u0103 mari ora\u0219e ale \u021b\u0103rii (Cluj-Napoca, Ia\u0219i, Constan\u021ba, Craiova, Oradea, Bra\u0219ov, Ploie\u0219ti, Sibiu \u0219i Timi\u0219oara). \u201eCu excep\u021bia apartamentelor din zonele centrale \u0219i nordul Bucure\u0219tiului, apartamentele din Capital\u0103 se \u00eencadreaz\u0103 \u00een programul de creditare Prima Cas\u0103. De asemenea, toate tipurile de apartamente din principalele ora\u0219e ale \u021b\u0103rii se \u00eencadreaz\u0103 \u00een acest program, singura excep\u021bie o constituie apartamentele cu trei camere din Cluj-Napoca\u201d, noteaz\u0103 Adrian Erimescu, director general <strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/\">Imobiliare.ro<\/a><\/strong>.<\/p>\n<p><strong>Cu o cincime sub valoarea chiriei<\/strong><br \/>\nPotrivit studiului citat, la nivelul Capitalei, rata lunar\u0103 pentru o garsonier\u0103 sau un apartament cu dou\u0103 camere (achizi\u021bionate prin programul Prima Cas\u0103) este, \u00een medie, cu circa 20% mai mic\u0103 dec\u00e2t chiria medie solicitat\u0103 pentru o locuin\u021b\u0103 similar\u0103. Spre exemplu, pentru o garsonier\u0103 \u00een Berceni sau Giurgiului (sectorul 4), un cump\u0103r\u0103tor ar avea de plat\u0103, pentru un credit co-garantat de c\u0103tre stat, o rat\u0103 de 164 de euro pe lun\u0103, \u00een timp ce un chiria\u0219 ar trebui s\u0103 scoat\u0103 din buzunar 200 de euro pe lun\u0103. Cea mai mare diferen\u021b\u0103 \u00eentre rat\u0103 \u0219i chirie \u2013 \u00een valoare de 23% \u2013 este valabil\u0103 pentru garsonierele din Cr\u00e2nga\u0219i, Drumul Taberei, Giule\u0219ti \u0219i Militari.<br \/>\nCei care vor s\u0103 cumpere un apartament cu dou\u0103 camere situat \u00een cartierele din sectorul 1 al Capitalei (Bucure\u0219tii Noi, Grivi\u021bei, Gara de Nord) ar avea de plat\u0103 o rat\u0103 de 248 de euro pe lun\u0103, fa\u021b\u0103 de o chirie medie lunar\u0103 de 300 de euro. La o rat\u0103 cu aproape 40 de euro mai mic\u0103 dec\u00e2t chiria ar trebui s\u0103 se a\u0219tepte \u0219i cei interesa\u021bi de achizi\u021bia unui apartament cu dou\u0103 camere \u00een sectorul 2 din Bucure\u0219ti (cartierele Tei, Colentina, Pantelimon).<\/p>\n<blockquote><p>\u201eO rat\u0103 mai mic\u0103 dec\u00e2t chiria \u0219i avantajul unui avans de minimum 5% justific\u0103 \u00een continuare decizia de investi\u021bie \u00eentr-o locuin\u021b\u0103 prin programul Prima Cas\u0103. Diferen\u021bele dintre rate \u0219i chirii sunt semnificative \u00een special la cele mai solicitate categorii de locuin\u021be \u2013 garsonierele \u0219i apartamentele cu dou\u0103 camere.\u201d<\/p>\n<p><em><strong>Dan Grigoriu, Director Divizia Produse \u0219i Segmente Retail Banca Rom\u00e2neasc\u0103<\/strong><\/em><\/p><\/blockquote>\n<p><em><strong>Cite\u0219te \u0219i: <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/credite-3\/vrei-sa-ti-cumperi-o-casa-ce-tip-de-credit-ti-se-potriveste_db\/\">Vrei s\u0103-\u021bi cumperi o cas\u0103? Ce tip de credit \u021bi se potrive\u0219te<\/a><\/strong><\/em><\/p>\n<p><strong>Achizi\u021bia, avantajoas\u0103 \u0219i la o rat\u0103 cu 20% mai mare<\/strong><br \/>\n\u0218i \u00een Ia\u0219i, Sibiu \u0219i Ploie\u0219ti, ratele lunare la garsoniere sunt mai mici cu peste 20% fa\u021b\u0103 de valoarea medie a chiriei. Pe de alt\u0103 parte \u00eens\u0103, \u00een Constan\u021ba, Craiova \u0219i Oradea, rata lunar\u0103 pentru un apartament cu dou\u0103 camere ar fi cu aproximativ 15% mai mare dec\u00e2t chiria. \u201eDac\u0103 ne raport\u0103m la rezultatul pe termen lung, chiar \u0219i la un plus de aproximativ 20% fa\u021b\u0103 de chiria lunar\u0103, care se traduce \u00een c\u00e2teva zeci de euro, decizia de a investi \u00een propria locuin\u021b\u0103 r\u0103m\u00e2ne avantajoas\u0103\u201d, subliniaz\u0103 Dan Grigoriu,  Director Divizia Produse \u0219i Segmente Retail din cadrul Banca Rom\u00e2neasc\u0103. <\/p>\n<p><strong>Avans mai consistent pentru locuin\u021bele de peste 60.000 de euro<\/strong><br \/>\n\u00centruc\u00e2t valoarea maxim\u0103 finan\u021bat\u0103 prin programul Prima Cas\u0103 pentru un apartament vechi este de 57.000 de euro (echivalent \u00een lei), cei interesa\u021bi de achizi\u021bia unei locuin\u021be mai scumpe de 60.000 de euro vor trebui s\u0103 compenseze diferen\u021ba printr-un avans mai mare. Spre exemplu, cump\u0103r\u0103torul unui apartament cu trei camere amplasat \u00eentr-o zon\u0103 semicentral\u0103 a Capitalei (1 Mai, 13 Septembrie, Dristor, Mo\u0219ilor, \u0218tefan cel Mare, Mihai Bravu, Tineretului, Vitan Nou) ar trebui s\u0103 achite un avans de aproximativ 18.400 de euro \u0219i o rat\u0103 de 327 de euro pe lun\u0103 (fa\u021b\u0103 de o chirie medie lunar\u0103 de 390 de euro). \u00cen Cluj-Napoca, o unitate locativ\u0103 tricameral\u0103 poate fi achizi\u021bionat\u0103 prin Prima Cas\u0103 pe baza unui avans de 8.000 de euro, urm\u00e2nd ca apoi s\u0103 achite lunar o rat\u0103 de 327 de euro (valoare foarte apropiat\u0103 de chiria de 330 de euro). <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Programul Prima Cas\u0103 r\u0103m\u00e2ne una dintre cele mai avantajoase metode de achizi\u021bie, datorit\u0103 avansului \u0219i dob\u00e2nzii reduse. \u00cen anii de boom imobiliar, c\u00e2nd pre\u021burile locuin\u021belor cre\u0219teau de la o zi la alta, nu oricine \u00ee\u0219i permitea s\u0103 fac\u0103 o achizi\u021bie prin credit. Mai ales \u00een Capital\u0103, dar \u0219i \u00een alte mari ora\u0219e ale \u021b\u0103rii, \u00eenchirierea [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":32679,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[480,1410,1411,1360],"content_author":[],"class_list":["post-32677","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri","tag-cumparator","tag-newsletter","tag-principal","tag-vanzare-apartamente"],"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>Rata la credit, mai mic\u0103 dec\u00e2t chiria. Cu c\u00e2t po\u021bi ie\u0219i mai ieftin? - \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Programul Prima Cas\u0103 r\u0103m\u00e2ne una dintre cele mai avantajoase metode de achizi\u021bie, datorit\u0103 avansului \u0219i dob\u00e2nzii reduse. \u00cen anii de boom imobiliar, c\u00e2nd\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/rata-la-credit-mai-mica-decat-chiria-cu-cat-poti-iesi-mai-ieftin_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rata la credit, mai mic\u0103 dec\u00e2t chiria. Cu c\u00e2t po\u021bi ie\u0219i mai ieftin?\" \/>\n<meta property=\"og:description\" content=\"Programul Prima Cas\u0103 r\u0103m\u00e2ne una dintre cele mai avantajoase metode de achizi\u021bie, datorit\u0103 avansului \u0219i dob\u00e2nzii reduse. \u00cen anii de boom imobiliar, c\u00e2nd\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/rata-la-credit-mai-mica-decat-chiria-cu-cat-poti-iesi-mai-ieftin_db\/\" \/>\n<meta property=\"og:site_name\" content=\"ImoExpert\" \/>\n<meta property=\"article:published_time\" content=\"2014-11-19T14:14:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2014\/11\/cheie-apartament-nou.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Adriana Dr\u0103gu\u0219in\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Adriana Dr\u0103gu\u0219in\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/rata-la-credit-mai-mica-decat-chiria-cu-cat-poti-iesi-mai-ieftin_db\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/rata-la-credit-mai-mica-decat-chiria-cu-cat-poti-iesi-mai-ieftin_db\/\"},\"author\":{\"name\":\"Adriana Dr\u0103gu\u0219in\",\"@id\":\"https:\/\/www.imobiliare.ro\/imoexpert\/#\/schema\/person\/8c13b0297075010b896471fabf0d7790\"},\"headline\":\"Rata la credit, mai mic\u0103 dec\u00e2t chiria. 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