{"id":33978,"date":"2015-03-13T14:53:07","date_gmt":"2015-03-13T12:53:07","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=33978"},"modified":"2015-03-13T14:53:07","modified_gmt":"2015-03-13T12:53:07","slug":"de-ce-prefera-romanii-sa-fie-proprietari-iar-germanii-se-multumesc-sa-fie-chiriasi","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/de-ce-prefera-romanii-sa-fie-proprietari-iar-germanii-se-multumesc-sa-fie-chiriasi_db\/","title":{"rendered":"De ce prefer\u0103 rom\u00e2nii s\u0103 fie proprietari, iar germanii se mul\u021bumesc s\u0103 fie chiria\u0219i?"},"content":{"rendered":"

\u00cen spatele fiec\u0103reia dintre cele dou\u0103 mentalit\u0103\u021bi se ascunde o istorie diferit\u0103.<\/strong><\/p>\n

Rom\u00e2nii sunt cunoscu\u021bi pentru dorin\u021ba puternic\u0103 de a de\u021bine (m\u0103car!) o cas\u0103. \u00cen majoritatea cazurilor, varianta chiriei este considerat\u0103 o solu\u021bie de compromis \u0219i, preferabil, de c\u00e2t mai scurt\u0103 durat\u0103. Potrivit datelor centralizate de Eurostat, Biroul de Statistic\u0103 al Uniunii Europene (UE), \u021bara noastr\u0103 are cei mai mul\u021bi proprietari de locuin\u021be, respectiv o pondere de 96,6% din totalul popula\u021biei. La polul opus, \u00een Germania (o \u021bar\u0103 luat\u0103 adesea drept etalon \u00een ceea ce prive\u0219te dezvoltarea economic\u0103!), aproape 47% dintre locuitori prefer\u0103 s\u0103 locuiasc\u0103 \u00een chirie. <\/p>\n

Cite\u0219te \u0219i: Rom\u00e2nia, o \u021bar\u0103 de proprietari. 5 semne c\u0103 \u00eenchirierea e o variant\u0103 mai bun\u0103 pentru tine<\/a><\/strong><\/em><\/p>\n

Cum se explic\u0103 acest paradox? Dincolo de contextul economic desigur diferit al celor dou\u0103 state, totul se reduce, \u00een cele din urm\u0103, la o chestiune de mentalitate. Un mod de a g\u00e2ndi dictat nu at\u00e2t de mult de specificul na\u021bional al fiec\u0103rui popor, c\u00e2t de istoria sa.<\/p>\n

\"http:\/\/www.dreamstime.com\/royalty-free-stock-photos-real-estate-agent-holding-keys-to-new-apartment-her-hands-industry-image40258998\"<\/a> <\/p>\n

Peste noapte: St\u0103p\u00e2n, din chiria\u0219 la stat!<\/strong>
\n\u00centr-o conferin\u021b\u0103 organizat\u0103 recent de compania dezvoltatoare a ansamblului reziden\u021bial Flamingo Park, omul de afaceri Drago\u0219 Cinc\u0103 recuno\u0219tea c\u0103 pia\u021ba autohton\u0103 a chiriilor este una subdezvoltat\u0103, iar cea ipotecar\u0103 se afl\u0103 de-abia la \u00eenceputul evolu\u021biei sale. O situa\u021bie ce se datoreaz\u0103, \u00een mare parte, unui fenomen neobi\u0219nuit pentru Europa – \u0219i pentru \u00eentreaga lume! Este vorba despre \u00eempropriet\u0103rirea \u201e\u00een mas\u0103\u201d a popula\u021biei, la pre\u021buri modice, dup\u0103 Revolu\u021bie. Dintr-o \u021bar\u0103 \u00een care locuin\u021bele (din mediul urban, cel pu\u021bin) erau construite de stat \u0219i \u00eenchiriate apoi c\u0103tre popula\u021bie, Rom\u00e2nia a devenit, peste noapte, un loc \u00een care, datorit\u0103 existen\u021bei alternativei generalizate, varianta chiriei a devenit, practic, indezirabil\u0103. De\u0219i \u00een ultimii 25 de ani contextul economic \u0219i cel social s-au schimbat mult, acomod\u00e2ndu-se tot mai mult cu \u201elegile\u201d capitalismului, nou-createle a\u0219tept\u0103ri ale \u201eferici\u021bilor\u201d de atunci s-au \u00eentip\u0103rit, m\u0103car prin puterea exemplului, \u0219i asupra tinerelor genera\u021bii. A\u0219a a luat na\u0219tere ceea ce azi numim, poate cu prea mult\u0103 u\u0219urin\u021b\u0103, \u201ementalitatea de proprietar a rom\u00e2nului\u201d.<\/p>\n

Cite\u0219te \u0219i: 3 motive pentru care Genera\u021bia Y \u201eprefer\u0103\u201d s\u0103 stea \u00een chirie<\/a><\/strong><\/em><\/p>\n

\u00cenchirierea, cea mai facil\u0103 solu\u021bie dup\u0103 r\u0103zboi<\/strong>
\nAltfel stau \u00eens\u0103 lucrurile \u00een Germania, o \u021bar\u0103 cu o istorie cu totul diferit\u0103. Potrivit qz.com<\/a>, preferin\u021ba pentru chirie a acestui popor \u00ee\u0219i \u201etrage\u201d r\u0103d\u0103cinile din perioada celui de-al doilea r\u0103zboi mondial. La momentul pred\u0103rii sale necondi\u021bionate, \u00een mai 1945, o cincime din stocul locativ al \u021b\u0103rii (circa 2,25 milioane de case) era distrus \u0219i alte dou\u0103 milioane de case erau avariate. Un recens\u0103m\u00e2nt din 1946 ar\u0103ta c\u0103 \u00een viitoarea Germanie de Vest exista un necesar de 5,5 milioane de locuin\u021be. Economia trecea de asemenea printr-o perioad\u0103 extrem de dificil\u0103 \u2013 de \u201efinan\u021bare\u201d nu putea fi vorba, iar moneda na\u021bional\u0103 era, practic, lipsit\u0103 de valoare \u2013 astfel \u00eenc\u00e2t o metod\u0103 obi\u0219nuit\u0103 de achizi\u021bie era trocul (sau schimbul de produse). \u00centr-un asemenea context, a devenit cumva evident c\u0103, pentru a satisface nevoia de case, un program guvernamental se impunea ca necesar. <\/p>\n

Cur\u00e2nd dup\u0103 fondarea Germaniei de Vest, \u00een 1949, a fost promulgat\u0103 \u0219i prima lege a locuin\u021belor. Aceasta era menit\u0103 s\u0103 impulsioneze construc\u021bia de case care s\u0103 r\u0103spund\u0103 nevoilor majorit\u0103\u021bii popula\u021biei \u2013 \u00een materie de chirii, suprafe\u021be \u0219i finisaje. Programul a func\u021bionat, astfel c\u0103, p\u00e2n\u0103 \u00een 1962, necesarul locativ sc\u0103zuse la circa 658.000 de unit\u0103\u021bi. Majoritatea noilor case erau disponibile spre \u00eenchiriere \u2013 \u00een principal din cauza cererii sc\u0103zute din partea unor poten\u021biali cump\u0103r\u0103tori. \u00centr-o pia\u021b\u0103 bancar\u0103 extrem de slab\u0103, institu\u021biile financiare cereau un avans ridicat pentru \u00eemprumuturi ipotecare \u2013 bani de care foarte pu\u021bini dispuneau. <\/p>\n

Finan\u021barea r\u0103m\u00e2ne greu accesibil\u0103<\/strong>
\nJum\u0103tate de secol mai t\u00e2rziu, aceast\u0103 (relativ\u0103) inaccesibilitate a creditelor ipotecare se men\u021bine (\u00een condi\u021biile unor locuin\u021be evident mai scumpe dec\u00e2t la noi!). Astfel, o mare parte dintre germani aleg \u00eenc\u0103 varianta chiriei \u00een detrimentul achizi\u021biei din cauza dificult\u0103\u0163ilor \u00eent\u00e2mpinate \u00een ob\u0163inerea unui credit ipotecar, scrie Financial Times, citat de ZF.ro<\/a>. Avansul minim solicitat de c\u0103tre b\u0103nci este de 20%, iar majoritatea \u00eemprumuturilor se fac pe termen lung, la dob\u00e2nzi fixe, ceea ce descurajeaz\u0103 specula. Un alt impediment este \u0219i regimul fiscal destul de dur, achizi\u0163iile imobiliare fiind taxate cu peste 5% \u00een majoritatea regiunilor Germaniei. (Spre compara\u0163ie, guvernul din Marea Britanie taxeaz\u0103 cu doar 2% achizi\u0163iile imobiliare de peste 125.000 de lire sterline, respectiv 175.000 de euro).<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00cen spatele fiec\u0103reia dintre cele dou\u0103 mentalit\u0103\u021bi se ascunde o istorie diferit\u0103. Rom\u00e2nii sunt cunoscu\u021bi pentru dorin\u021ba puternic\u0103 de a de\u021bine (m\u0103car!) o cas\u0103. \u00cen majoritatea cazurilor, varianta chiriei este considerat\u0103 o solu\u021bie de compromis \u0219i, preferabil, de c\u00e2t mai scurt\u0103 durat\u0103. Potrivit datelor centralizate de Eurostat, Biroul de Statistic\u0103 al Uniunii Europene (UE), \u021bara […]<\/p>\n","protected":false},"author":829,"featured_media":33979,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[274,1029,1410,1411],"content_author":[],"class_list":{"0":"post-33978","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-stiri","8":"tag-chirias","9":"tag-inchirieri-apartamente","10":"tag-newsletter","11":"tag-principal"},"yoast_head":"\nDe ce prefer\u0103 rom\u00e2nii s\u0103 fie proprietari, iar germanii se mul\u021bumesc s\u0103 fie chiria\u0219i? - \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"\u00cen spatele fiec\u0103reia dintre cele dou\u0103 mentalit\u0103\u021bi se ascunde o istorie diferit\u0103. 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