{"id":3709,"date":"2010-03-11T16:35:14","date_gmt":"2010-03-11T14:35:14","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=3709"},"modified":"2010-03-11T16:35:14","modified_gmt":"2010-03-11T14:35:14","slug":"criterii-generale-de-incadrare-in-programele-anl","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/criterii-generale-de-incadrare-in-programele-anl_db\/","title":{"rendered":"Criterii generale de \u00eencadrare \u00een programele ANL"},"content":{"rendered":"<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2010\/03\/anl1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-medium wp-image-3710\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2010\/03\/anl1-300x195.jpg\" alt=\"\" width=\"300\" height=\"195\" \/><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a7ca708815ef\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a7ca708815ef\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/criterii-generale-de-incadrare-in-programele-anl_db\/#Pentru_cei_interesati_de_incadrarea_in_programul_ANL_anul_acesta_vor_fi_receptionate_3000_de_locuinte_destinate_inchirierii_si_824_de_unitati_locative_ce_vor_fi_achizitionate_prin_credit_ipotecar\" >Pentru cei interesa\u021bi de \u00eencadrarea \u00een programul ANL, anul acesta vor fi recep\u0163ionate 3.000 de locuin\u0163e, destinate \u00eenchirierii \u015fi 824 de unit\u0103\u0163i locative ce vor fi achizi\u0163ionate prin credit ipotecar.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/criterii-generale-de-incadrare-in-programele-anl_db\/#Pot_inchiria_o_casa_ANL_tinerii_de_18_pana_la_35_de_ani\" >Pot \u00eenchiria o cas\u0103 ANL tinerii de 18 p\u00e2n\u0103 la 35 de ani<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/criterii-generale-de-incadrare-in-programele-anl_db\/#Chiriasii_pot_deveni_proprietari\" >Chiria\u015fii pot deveni proprietari<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/criterii-generale-de-incadrare-in-programele-anl_db\/#Subventie_de_30_pentru_o_casa_construita_de_ANL\" >Subven\u0163ie de 30% pentru o cas\u0103 construit\u0103 de ANL<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/criterii-generale-de-incadrare-in-programele-anl_db\/#Cum_ajungi_sa-ti_faca_statul_casa%E2%80%A6\" >Cum ajungi s\u0103-\u0163i fac\u0103 statul cas\u0103&#8230;<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pentru_cei_interesati_de_incadrarea_in_programul_ANL_anul_acesta_vor_fi_receptionate_3000_de_locuinte_destinate_inchirierii_si_824_de_unitati_locative_ce_vor_fi_achizitionate_prin_credit_ipotecar\"><\/span>Pentru cei interesa\u021bi de \u00eencadrarea \u00een programul ANL, anul acesta vor fi recep\u0163ionate 3.000 de locuin\u0163e, destinate \u00eenchirierii \u015fi 824 de unit\u0103\u0163i locative ce vor fi achizi\u0163ionate prin credit ipotecar.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>\u00cen momentul de fa\u0163\u0103, Agen\u0163ia Na\u0163ional\u0103 pentru Locuin\u0163e (ANL) are \u00een derulare dou\u0103 programe: \u201eLocuin\u0163e pentru tineri\u201d \u015fi \u201eLocuin\u0163e prin credit ipotecar\u201d. Cel dint\u00e2i are ca scop construc\u0163ia de unit\u0103\u0163i locative destinate \u00eenchirierii, \u00een vreme ce al doilea vizeaz\u0103 dezvoltarea de case de c\u0103tre ANL la cererea expres\u0103 a clientului, cu ajutorul unui credit ipotecar.<\/strong><\/p>\n<p>Potrivit datelor furnizate de c\u0103tre ANL pentru imobiliare.ro, anul acesta vor fi recep\u0163ionate 3.000 de locuin\u0163e destinate \u00eenchirierii, fa\u0163\u0103 de 3.445 \u00een 2009. Cererile de \u00eenchiriere se ridic\u0103 \u00een momentul de fa\u0163\u0103 la circa 100.000, potrivit estim\u0103rilor oficiale. \u00cen cadrul programului Locuin\u0163e prin Credit Ipotecar, \u00een 2010 vor fi livrate 824 de locuin\u0163e, fa\u0163\u0103 de 592 de unit\u0103\u0163i locative finalizate anul trecut. Pentru acest program, ANL are \u00eenregistrate circa 58.000 de cereri.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Pot_inchiria_o_casa_ANL_tinerii_de_18_pana_la_35_de_ani\"><\/span>Pot \u00eenchiria o cas\u0103 ANL tinerii de 18 p\u00e2n\u0103 la 35 de ani<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Programul de construc\u0163ii de locuin\u0163e destinate \u00eenchirierii se adreseaz\u0103 tinerilor cu v\u00e2rste \u00eentre 18 \u015fi 35 de ani care nu \u00ee\u015fi permit s\u0103 achizi\u0163ioneze o locuin\u0163\u0103 pe pia\u0163a liber\u0103. Un criteriu eliminatoriu pentru acest program este ca titularul cererii \u015fi membrii familiei acestuia (so\u0163\/so\u0163ie, copii \u015fi\/sau alte persoane aflate \u00een \u00eentre\u0163inerea acestuia) s\u0103 nu de\u0163in\u0103 \u015fi s\u0103 nu fi de\u0163inut o alt\u0103 locuin\u0163\u0103 \u00een proprietate. De asemenea, solicitantul nu trebuie s\u0103 fi fost beneficiarul unei alte locuin\u0163e pentru tineri destinat\u0103 \u00eenchirierii \u00een aceea\u015fi localitate \u00een care a solicitat locuin\u0163a. (Aceast\u0103 restric\u0163ie nu are \u00eens\u0103 \u00een vedere locuin\u0163ele \u00eenstr\u0103inate \u00een cadrul unui partaj sau casele trecute \u00een proprietatea statului \u00een mod abuziv \u015fi care nu au fost retrocedate \u00een natur\u0103.) Un alt criteriu de calificare pentru programul Locuin\u0163e pentru Tineri este ca titularul cererii s\u0103 \u00ee\u015fi desf\u0103\u015foare activitatea \u00een localitatea \u00een care sunt amplasate locuin\u0163ele.<br \/>\nAcestor condi\u0163ii eliminatorii li se adaug\u0103 o serie de criterii de punctare, ce \u0163in de situa\u0163ia locativ\u0103 actual\u0103 a solicitantului (dac\u0103 este chiria\u015f sau tolerat \u00een spa\u0163iu, de ce suprafa\u0163\u0103 locuibil\u0103 dispune), de starea civil\u0103 a acestuia (c\u0103s\u0103torit sau nu, num\u0103rul de copii afla\u0163i \u00een \u00eentre\u0163inere), starea de s\u0103n\u0103tate, nivelul de studii sau preg\u0103tire profesional\u0103, situa\u0163ii sociale sau locative deosebite (tineri care provin din case de ocrotire social\u0103, care au adoptat copii sau persoane evacuate din case na\u0163ionalizate). Dup\u0103 stabilirea punctajului aferent fiec\u0103rui solicitant \u00een parte, locuin\u0163ele destinate \u00eenchirierii vor fi repartizate \u00een limita stocului disponibil.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Chiriasii_pot_deveni_proprietari\"><\/span>Chiria\u015fii pot deveni proprietari<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Un lucru necesar de men\u0163ionat este c\u0103 unit\u0103\u0163ile locative ce fac parte din programul Locuin\u0163e pentru Tineri pot fi cump\u0103rate, \u00eens\u0103 numai \u00een anumite condi\u0163ii. Potrivit Ordonan\u0163ei de Urgen\u0163\u0103 num\u0103rul 14\/2010, locuin\u0163ele destinate \u00eenchirierii construite de c\u0103tre ANL se pot vinde titularilor contractelor de \u00eenchiriere, numai la solicitarea acestora, dup\u0103 expirarea a minimum un an de \u00eenchiriere ne\u00eentrerupt\u0103 c\u0103tre acela\u015fi titular \u015fi\/sau c\u0103tre persoana \u00een beneficiul c\u0103reia s-a continuat \u00eenchirierea \u00een condi\u0163iile legii, f\u0103r\u0103 ca v\u00e2nzarea s\u0103 fie condi\u0163ionat\u0103 de v\u00e2rsta solicitantului. Potrivit datelor anun\u0163ate de c\u0103tre reprezentan\u0163ii Ministerului Dezvolt\u0103rii Regionale \u015fi Turismului, valoarea medie de \u00eenlocuire a locuin\u0163elor ANL se ridic\u0103 la 19.140 de euro pentru o garsonier\u0103, 26.950 de euro pentru un apartament cu dou\u0103 camere \u015fi 36.014 euro pentru o locuin\u0163\u0103 cu trei camere.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Subventie_de_30_pentru_o_casa_construita_de_ANL\"><\/span>Subven\u0163ie de 30% pentru o cas\u0103 construit\u0103 de ANL<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00cen cadrul programului Locuin\u0163e prin Credit Ipotecar, ANL construie\u015fte dou\u0103 tipuri de locuin\u0163e: apartamente \u00een blocuri cu un grad de finisare superior sau case individuale. Potrivit legii, pot beneficia de credite pentru construirea unei locuin\u0163e prin ANL persoanele fizice cu cet\u0103\u0163enie rom\u00e2n\u0103, domiciliate \u00een Rom\u00e2nia, indiferent de v\u00e2rst\u0103. Statul sprijin\u0103 accesul la o locuin\u0163\u0103 proprietate personal\u0103 prin acordarea unei subven\u0163ii de 30% din valoarea locuin\u0163ei construite. Subven\u0163ia nu poate dep\u0103\u015fi \u00eens\u0103  echivalentul \u00een lei a 15.000 euro.<br \/>\nSolicitantul unui credit pentru achizi\u0163ionarea unei case ANL trebuie s\u0103 fie angajat cu contract de munc\u0103 pe perioad\u0103 nedeterminat\u0103, iar prin veniturile pe care le ob\u0163ine (la nivel de familie) s\u0103 poat\u0103 garanta rambursarea creditului solicitat. La stabilirea bugetului \u00een cadrul \u00eentocmirii dosarului de solvabilitate se iau \u00een calcul veniturile solicitantului, ale so\u0163ului\/so\u0163iei (unde este cazul) sau veniturile ob\u0163inute de al\u0163i membri ai familiei care pot participa la plata creditului. Membrii familiei pot fi numai rudele de gradul I. Acestei condi\u0163ii i se adaug\u0103 criteriile de punctare, a c\u0103ror \u00eendeplinire spore\u015fte punctajul acordat unui dosar. Printre acestea se num\u0103r\u0103: solicitantul s\u0103 aib\u0103 o v\u00e2rst\u0103 mai mic\u0103 de 35 de ani, s\u0103 nu de\u0163in\u0103 o alt\u0103 locuin\u0163\u0103, s\u0103 fie c\u0103s\u0103torit, s\u0103 aib\u0103 unul sau mai mul\u0163i copii \u00een \u00eentre\u0163inere, s\u0103 nu mai fi de\u0163inut o locuin\u0163\u0103 prin ANL, s\u0103 aib\u0103 handicap etc.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cum_ajungi_sa-ti_faca_statul_casa%E2%80%A6\"><\/span>Cum ajungi s\u0103-\u0163i fac\u0103 statul cas\u0103&#8230;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dup\u0103 verificarea criteriilor expuse mai sus, se poate trece la urm\u0103torul pas: o cerere oficial\u0103 c\u0103tre ANL. La oficiile po\u015ftale din \u0163ar\u0103, exist\u0103 crereri-tip pentru solicitarea construc\u0163iei de case prin agen\u0163ie. O astfel de cerere cuprinde o serie de date de identificare a solicitantului, la care se adaug\u0103 \u015fi preciz\u0103ri \u00een ceea ce prive\u015fte tipul de imobil ce se vrea a fi construit. Cererile-tip sunt transmise prin po\u015ft\u0103 c\u0103tre ANL \u015fi sunt \u00eenregistrate \u00een ordinea sosirii lor.<\/p>\n<p>\u00cen momentul preg\u0103tirii unui amplasament pentru ofertare, oferta este prezentat\u0103 solicitan\u0163ilor pentru construirea unei locuin\u0163e prin ANL. Solicitan\u0163ii care accept\u0103 oferta prezentat\u0103 primesc o adres\u0103 c\u0103tre una dintre b\u0103ncile finan\u0163atoare \u00een vederea \u00eentocmirii dosarului de solvabilitate. B\u0103ncile care finan\u0163eaz\u0103 construc\u0163ia de case prin ANL sunt: Banca Comercial\u0103 Rom\u00e2n\u0103, BRD &#8211; Groupe Societe Generale, Banca Transilvania, Piraeus Bank \u015fi Raiffeisen Banca pentru Locuin\u0163e.<\/p>\n<p>Odat\u0103 cu adresa de \u00eentocmire a dosarului de solvabilitate, solicitan\u0163ii mai primesc o declara\u0163ie care trebuie autentificat\u0103 la notariat \u015fi transmis\u0103 agen\u0163iei. Aceasta cuprinde datele personale ale solicitantului \u015fi \u00een baza sa se acord\u0103 punctajul necesar pentru repartizarea locuin\u0163ei. Dup\u0103 \u00eentocmirea dosarelor de solvabilitate \u015fi analizarea acestora, b\u0103ncile transmit c\u0103tre ANL certificatele de solvabilitate ale solicitan\u0163ilor de credit. Pe baza certificatelor de solvabilitate \u015fi a declara\u0163iilor autentificate, ANL  va \u00eentocmi listele de priorit\u0103\u0163i \u00een ordinea descresc\u0103toare a punctajului ob\u0163inut de c\u0103tre fiecare solicitant.<\/p>\n<p>Primul contract semnat de c\u0103tre beneficiar cu ANL este contractul de mandat, al\u0103turi de care solicitantul prime\u015fte \u015fi comunicarea c\u0103tre banc\u0103 \u00een vederea ob\u0163inerii ofertei ferme de creditare. Aceasta din urm\u0103 trebuie transmis\u0103 agen\u0163iei, nu \u00eenainte ca beneficiarul s\u0103 ateste existen\u0163a sumei necesare depunerii avansului. Contractul de construire se semneaz\u0103 \u00een forma autentic\u0103 \u015fi\/sau legalizare de semn\u0103tur\u0103, urm\u00e2nd a fi notat \u00een cartea funciar\u0103. Contractul de credit ipotecar se semneaz\u0103 de c\u0103tre beneficiarul locuin\u0163ei \u015fi banca finan\u0163atoare. Odat\u0103 cu acesta se semneaz\u0103 \u015fi contractul de ipotec\u0103, prin care beneficiarul de credit ipotecheaz\u0103 locuin\u0163a \u00een favoarea b\u0103ncii finan\u0163atoare p\u00e2n\u0103 la rambursarea integral\u0103 a creditului. Beneficiarul \u00eencheie \u00een acest moment \u015fi o poli\u0163\u0103 de asigurare a locuin\u0163ei, p\u00e2n\u0103 la data ramburs\u0103rii integrale a creditului, prin intermediul uneia dintre urm\u0103toarele societ\u0103\u0163i:<br \/>\nS.C. Asigurarea Rom\u00e2neasc\u0103 . Asirom Vienna Insurance Group S.A.<br \/>\nS.C. Omniasig Vienna Insurance Group S.A.<br \/>\nS.C. Groupama Asigurari S.A.<br \/>\nS.C. Generali Asigur\u0103ri S.A.<br \/>\nS.C. BCR Asigur\u0103ri S.A.<br \/>\nS.C. Astra S.A.<br \/>\nS.C. Uniqua Asigur\u0103ri S.A.<\/p>\n<p>Dup\u0103 parcurgerea acestor etape, ANL d\u0103 ordinul de \u00eencepere a lucr\u0103rilor pentru construirea locuin\u0163ei. \u00cen contractul de construire se prevede un termen de 24 de luni pentru finalizarea locuin\u0163ei, termen care \u00eencepe s\u0103 curg\u0103 de la emiterea ordinului de \u00eencepere a lucr\u0103rilor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pentru cei interesa\u021bi de \u00eencadrarea \u00een programul ANL, anul acesta vor fi recep\u0163ionate 3.000 de locuin\u0163e, destinate \u00eenchirierii \u015fi 824 de unit\u0103\u0163i locative ce vor fi achizi\u0163ionate prin credit ipotecar. \u00cen momentul de fa\u0163\u0103, Agen\u0163ia Na\u0163ional\u0103 pentru Locuin\u0163e (ANL) are \u00een derulare dou\u0103 programe: \u201eLocuin\u0163e pentru tineri\u201d \u015fi \u201eLocuin\u0163e prin credit ipotecar\u201d. Cel dint\u00e2i are [&hellip;]<\/p>\n","protected":false},"author":821,"featured_media":3710,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[268],"tags":[306],"content_author":[],"class_list":["post-3709","post","type-post","status-publish","format-standard","has-post-thumbnail","category-cumparatori","tag-articole"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Criterii generale de \u00eencadrare \u00een programele ANL<\/title>\n<meta name=\"description\" content=\"Agen\u0163ia Na\u0163ional\u0103 pentru Locuin\u0163e (ANL) are 2 programe: \u201eLocuin\u0163e pentru tineri\u201d \u015fi \u201eLocuin\u0163e prin credit ipotecar\u201d. Primul are ca scop construc\u0163ia de unit\u0103\u0163i locative destinate \u00eenchirierii, \u00een vreme ce al doilea vizeaz\u0103 dezvoltarea de case de c\u0103tre ANL la cererea expres\u0103 a clientului, cu ajutorul unui credit ipotecar.\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/criterii-generale-de-incadrare-in-programele-anl_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Criterii generale de \u00eencadrare \u00een programele ANL\" \/>\n<meta property=\"og:description\" content=\"Agen\u0163ia Na\u0163ional\u0103 pentru Locuin\u0163e (ANL) are 2 programe: \u201eLocuin\u0163e pentru tineri\u201d \u015fi \u201eLocuin\u0163e prin credit ipotecar\u201d. 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