{"id":36137,"date":"2015-09-18T13:05:06","date_gmt":"2015-09-18T10:05:06","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=36137"},"modified":"2015-09-18T13:05:06","modified_gmt":"2015-09-18T10:05:06","slug":"cum-sa-achiti-o-casa-in-6-ani-fara-rate-la-banca","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/cum-sa-achiti-o-casa-in-6-ani-fara-rate-la-banca_db\/","title":{"rendered":"Cum s\u0103 achi\u021bi o cas\u0103 \u00een 6 ani \u2013 f\u0103r\u0103 rate la banc\u0103!"},"content":{"rendered":"<p><strong>\u00centr-o pia\u021b\u0103 dominat\u0103 de tranzac\u021bii prin Prima Cas\u0103, unii cump\u0103r\u0103tori opteaz\u0103 pentru solu\u021bii alternative. <\/strong><\/p>\n<p>\u00cen momentul de fa\u021b\u0103, condi\u021biile de creditare pot fi considerate destul de \u201erelaxate\u201d pentru cei care \u00ee\u0219i doresc o locuin\u021b\u0103, dar nu dispun de to\u021bi banii necesari. Cu toate acestea, exist\u0103 persoane care fie nu se \u00eencadreaz\u0103 \u00een cerin\u021bele impuse de c\u0103tre institu\u021biile financiare, fie sunt reticente la ideea de a se \u00eendatora la banc\u0103 pe termen lung. Exist\u0103 \u00eens\u0103 \u0219i alte variante. <\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2015\/09\/cumparare-casa.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2015\/09\/cumparare-casa.jpg\" alt=\"http:\/\/www.dreamstime.com\/royalty-free-stock-image-hand-holding-house-keys-euro-money-female-little-bills-image34010956\" width=\"600\" height=\"504\" class=\"aligncenter size-full wp-image-36138\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2015\/09\/cumparare-casa.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2015\/09\/cumparare-casa-390x328.jpg 390w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>Amplasat la marginea Bucure\u0219tiului, \u00een ora\u0219ul Bragadiru, <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/ansambluri-rezidentiale\/bucuresti\/adora-urban-village-bucuresti-334\">ansamblul reziden\u021bial Adora Urban Village<\/a> a atins recent un grad de ocupare de circa 80%. Potrivit dezvoltatorului Tagor, 60 dintre cele 75 de locuin\u021be finalizate p\u00e2n\u0103 acum au fost contractate. \u00centr-o pia\u021b\u0103 dominat\u0103 de tranzac\u021bii prin Prima Cas\u0103, este extrem de interesant\u0103 preferin\u021ba majorit\u0103\u021bii cump\u0103r\u0103torilor pentru o solu\u021bie alternativ\u0103 de plat\u0103. \u201ePeste 50% din noii locatari din Adora Urban Village \u0219i-au achizi\u021bionat locuin\u021bele prin rate la dezvoltator\u201d, spune Andreea Hamza, director marketing \u015fi v\u00e2nz\u0103ri pentru proiectele Adora. <\/p>\n<p><strong>Avantajul ratelor mai mari<\/strong><br \/>\nSistemul de plat\u0103 a fost verificat \u0219i aprobat de c\u0103tre auditori \u0219i Registrul Comer\u021bului \u0219i a \u00eenceput s\u0103 fie pus \u00een aplicare \u00een anul 2013, dup\u0103 ce reprezentan\u021bii companiei dezvoltatoare au observat c\u0103 exist\u0103 un num\u0103r semnificativ de poten\u021biali cump\u0103r\u0103tori care \u00ee\u0219i permit s\u0103 pl\u0103teasc\u0103 o sum\u0103 fix\u0103 mai mare dec\u00e2t rata standard pentru un credit bancar. \u201eExist\u0103 un segment de cump\u0103r\u0103tori pe pia\u021ba reziden\u021bial\u0103 care prefer\u0103 s\u0103 se angajeze financiar la plata unei locuin\u021be pe un termen mai scurt. Pe de alt\u0103 parte, exist\u0103 mici antreprenori pentru care ob\u021binerea unui credit bancar poate \u00eent\u00e2mpina dificult\u0103\u021bi\u201d, explic\u0103 Andreea Hamza. <\/p>\n<p><strong>Minimum 25% avans<\/strong><br \/>\nCe \u00eenseamn\u0103, mai exact, achizi\u021bia unei locuin\u021be \u00een rate la dezvoltator? \u00cen cazul Adora Urban Village, spre exemplu, trebuie s\u0103 achi\u021bi, mai \u00eent\u00e2i, un avans de minimum 25%, dup\u0103 care restul sumei de plat\u0103 este e\u0219alonat \u00een tran\u0219e lunare fixe, pe o perioad\u0103 de maximum \u0219ase ani, cu o dob\u00e2nd\u0103 anual\u0103 de 8,5% (aplicat\u0103 la sold). Dac\u0103 optezi, de exemplu, pentru un apartament cu dou\u0103 camere, la un pre\u021b total de 46.900 de euro, va trebui s\u0103 pl\u0103te\u0219ti un avans de 9.400 de euro, apoi o rat\u0103 lunar\u0103 fix\u0103 de 674 de euro. La sf\u00e2r\u0219itul perioadei de rambursare vei fi achitat, pe l\u00e2ng\u0103 pre\u021bul apartamentului, \u0219i dob\u00e2nzi de circa 11.000 de euro. \u201e\u00cen cazul avansurilor mai mari de 40%, transferul dreptului de proprietate se poate face la semnarea promisiunii de v\u00e2nzare-cump\u0103rare \u0219i achit\u0103rii avansului\u201d, precizeaz\u0103 Andreea Hamza.<\/p>\n<blockquote><p>\u201eRatele la dezvoltator reprezint\u0103 o alternativ\u0103 foarte bun\u0103 pentru cei ce nu pot accesa un credit bancar (mici \u00eentreprinz\u0103tori, liber profesioni\u0219ti, persoane care au avut credite restante \u0219i au intrat \u00een baza de date a b\u0103ncii ca r\u0103u-platnici). Pe de alt\u0103 parte, perioada de rambursare este mult mai scurt\u0103, de maximum \u0219ase ani pentru rate la dezvoltator, fa\u021b\u0103 de cel pu\u021bin zece ani pentru un credit bancar.\u201d<\/p>\n<p><em><strong>Andreea Hamza, director marketing \u015fi v\u00e2nz\u0103ri Adora<\/strong><\/em><\/p><\/blockquote>\n<p>&nbsp;<br \/>\n<a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2015\/09\/Adora-Urban-Village.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2015\/09\/Adora-Urban-Village.jpg\" alt=\"Adora Urban Village\" width=\"600\" height=\"387\" class=\"aligncenter size-full wp-image-36139\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2015\/09\/Adora-Urban-Village.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2015\/09\/Adora-Urban-Village-390x252.jpg 390w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p><strong>12 blocuri cu 550 de apartamente, parc privat \u0219i teren de fotbal<\/strong><br \/>\nPrimul proiect demarat pe pia\u021ba local\u0103 de fondul de investi\u021bii britanic Patron Capital, \u00een colaborare cu dezvoltatorul Tagor, a fost conceput s\u0103 cuprind\u0103 12 blocuri, dintre care primele dou\u0103 au fost deja construite. \u201eNivelul actual al v\u00e2nz\u0103rilor permite astfel continuarea dezvolt\u0103rii complexului \u00een etapa a doua, care implic\u0103 \u00een\u0103l\u0163area a \u00eenc\u0103 dou\u0103 blocuri cu 80 apartamente. Odat\u0103 terminat proiectul, Adora Urban Village va avea \u00een total aproximativ 550 de apartamente, realizate \u00een urma unei investi\u021bii de aproape 35 de milioane de euro\u201d, spun reprezentan\u021bii companiei. Printre facilit\u0103\u021bile complexului se num\u0103r\u0103 spa\u0163ii de agrement, un parc privat, locuri de joac\u0103 pentru copii, teren de fotbal, zon\u0103 special amenajat\u0103 pentru fitness \u00een aer liber \u0219i microbuz gratuit c\u0103tre zona Cora Alexandriei. Proprietarii beneficiaz\u0103 de locuri de parcare \u00een mod gratuit, iar cei ce doresc s\u0103 de\u0163in\u0103 \u00een proprietate un astfel de spa\u021biu, costurile pornesc de la 600 de euro (+TVA). <\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00centr-o pia\u021b\u0103 dominat\u0103 de tranzac\u021bii prin Prima Cas\u0103, unii cump\u0103r\u0103tori opteaz\u0103 pentru solu\u021bii alternative. \u00cen momentul de fa\u021b\u0103, condi\u021biile de creditare pot fi considerate destul de \u201erelaxate\u201d pentru cei care \u00ee\u0219i doresc o locuin\u021b\u0103, dar nu dispun de to\u021bi banii necesari. Cu toate acestea, exist\u0103 persoane care fie nu se \u00eencadreaz\u0103 \u00een cerin\u021bele impuse de [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":36138,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[333,480,1410,1411],"content_author":[],"class_list":["post-36137","post","type-post","status-publish","format-standard","has-post-thumbnail","category-stiri","tag-ansambluri-rezidentiale","tag-cumparator","tag-newsletter","tag-principal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cum s\u0103 achi\u021bi o cas\u0103 \u00een 6 ani \u2013 f\u0103r\u0103 rate la banc\u0103! - \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"\u00centr-o pia\u021b\u0103 dominat\u0103 de tranzac\u021bii prin Prima Cas\u0103, unii cump\u0103r\u0103tori opteaz\u0103 pentru 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