{"id":38428,"date":"2016-08-11T17:42:45","date_gmt":"2016-08-11T14:42:45","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=38428"},"modified":"2016-08-11T17:42:45","modified_gmt":"2016-08-11T14:42:45","slug":"intre-ciocan-si-nicovala-despre-prima-casa-si-darea-in-plata","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/intre-ciocan-si-nicovala-despre-prima-casa-si-darea-in-plata_db\/","title":{"rendered":"\u00centre ciocan \u0219i nicoval\u0103? Despre Prima Cas\u0103 \u0219i darea \u00een plat\u0103"},"content":{"rendered":"<p><strong>Finan\u021barea r\u0103m\u00e2ne o problem\u0103 spinoas\u0103 pentru majoritatea poten\u021bialilor cump\u0103r\u0103tori de locuin\u021be.<\/strong><\/p>\n<p>Din 2014 \u00eencoace, pia\u021ba reziden\u021bial\u0103 autohton\u0103 \u0219i-a revenit \u00een mod vizibil: pre\u021burile \u0219i-au \u00eencetat cursul descendent, volumul tranzac\u021biilor a crescut, la fel ca \u0219i apetitul pentru dezvoltarea de noi proiecte. Acum \u00eens\u0103 noi dificult\u0103\u021bi pun sub semnul \u00eentreb\u0103rii men\u021binerea acestei tendin\u021be pe termen lung.<\/p>\n<p><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2016\/08\/chirie.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2016\/08\/chirie.jpg\" alt=\"chirie\" width=\"600\" height=\"401\" class=\"aligncenter size-full wp-image-38432\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2016\/08\/chirie.jpg 600w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2016\/08\/chirie-300x201.jpg 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2016\/08\/chirie-87x57.jpg 87w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2016\/08\/chirie-65x43.jpg 65w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2016\/08\/chirie-154x103.jpg 154w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>Bogdan C. \u0219i so\u021bia sa sunt c\u0103s\u0103tori\u021bi de cinci ani \u0219i au o feti\u021b\u0103 de patru. Locuiesc \u00een chirie, \u00eentr-un apartament cu dou\u0103 camere din Timi\u0219oara. Recent s-au g\u00e2ndit s\u0103 fac\u0103 un \u00eemprumut pentru a-\u0219i cump\u0103ra o cas\u0103 a lor, a\u0219a c\u0103 au mers la banc\u0103 s\u0103 se intereseze. Solu\u021bia ideal\u0103 ar fi fost, desigur, s\u0103 poat\u0103 apela la programul Prima Cas\u0103. Li s-a spus \u00eens\u0103 c\u0103, pentru moment cel pu\u021bin, nu mai sunt fonduri. Cealalt\u0103 variant\u0103 ar fi s\u0103 contracteze un credit ipotecar standard. Cum asta ar presupune achitarea unui   avans de patru-cinci ori mai mare, cei doi nu pot dec\u00e2t s\u0103 ridice trist din umeri. Cum ar putea str\u00e2nge, din ni\u0219te \u201esalarii normale\u201d, 8.000-10.000 de euro (pentru o cas\u0103 de 40.000 de euro)?<\/p>\n<p><strong>Prima Cas\u0103, 90% din pia\u021ba ipotecarelor<\/strong><br \/>\nDeparte de a fi singular\u0103, situa\u021bia celor doi ilustreaz\u0103 perfect starea de incertitudine pe care o traverseaz\u0103 pia\u021ba imobiliar\u0103 autohton\u0103. Intrarea \u00een vigoare a legii d\u0103rii \u00een plat\u0103, \u00een urm\u0103 cu aproximativ trei luni, a dus la majorarea generalizat\u0103 a avansurilor solicitate pentru ipotecarele standard, de la un minimum de 15% (la lei) p\u00e2n\u0103 la circa 35% (sau mai pu\u021bin la unele b\u0103nci). \u00cen prim\u0103 faz\u0103, aceast\u0103 m\u0103sur\u0103 nu a reprezentat o problem\u0103 at\u00e2t de mare, \u00eentruc\u00e2t pia\u021ba se baza, \u00een propor\u021bie cov\u00e2r\u0219itoare, pe creditele de tip Prima Cas\u0103. Astfel, potrivit proiectului Strategiei Na\u021bionale a Locuirii, lansat recent \u00een consultare public\u0103, programul guvernamental a generat circa 90% din toate \u00eemprumuturile ipotecare acordate din 2009 \u00eencoace.<\/p>\n<p>Adev\u0103rata provocare const\u0103 \u00eens\u0103 \u00een faptul c\u0103, pe fondul num\u0103rului record de solicit\u0103ri venite \u00een urma discu\u021biilor legate de darea \u00een plat\u0103, plafonul alocat pentru Prima Cas\u0103 \u00een 2016 s-a epuizat rapid (inclusiv un plus de 500 de milioane de lei). Pe de alt\u0103 parte, autorit\u0103\u021bile \u00eent\u00e2rzie \u00een a anun\u021ba noi supliment\u0103ri de fonduri, l\u0103s\u00e2nd chiar s\u0103 se \u00een\u021beleag\u0103 c\u0103 programul poate fi stopat. \u201e\u00cen prezent, pia\u021ba de finan\u021bare a locuin\u021belor este sprijinit\u0103 \u00een mare m\u0103sur\u0103 de garan\u021biile oferite \u00een cadrul programului \u00abPrima Cas\u0103\u00bb\u201d, recunosc oficialii Guvernului \u00een proiectul citat. Nu se \u0219tie cu siguran\u021b\u0103 dac\u0103 sau c\u00e2nd se va \u00eencheia acest program\u201d, adaug\u0103 \u00eens\u0103 ace\u0219tia.<\/p>\n<p><strong>B\u0103ncile mai scad avansurile<\/strong><br \/>\n\u00cen acest context, schimb\u0103rile generate de aprobarea legii d\u0103rii \u00een plat\u0103 cap\u0103t\u0103 alte propor\u021bii. De notat este c\u0103, \u00eentre timp, b\u0103ncile \u0219i-au mai temperat \u201eav\u00e2ntul\u201d \u00een ceea ce prive\u0219te restric\u021bionarea credit\u0103rii. BCR, spre exemplu, \u0219i-a adaptat atitudinea pruden\u021bial\u0103 la specificul pie\u021belor regionale, lu\u00e2nd decizia de a acorda \u00eemprumuturi cu avans de 25% (\u00een loc de 35%) \u00een cele mai mari 20 de ora\u0219e ale \u021b\u0103rii. Potrivit explica\u021biilor oficiale, decizia a fost luat\u0103 pe baza faptului c\u0103, \u00een ora\u0219ele medii \u0219i mari, pre\u021burile locuin\u021belor sunt mai ridicate, pia\u021ba imobiliar\u0103 este mult mai dinamic\u0103, iar  puterea de cump\u0103rare a popula\u021biei mai mare. \u00cen general vorbind, reprezentan\u021bii b\u0103ncii estimeaz\u0103 c\u0103 \u201einstitu\u021biile bancare vor g\u0103si solu\u021bii de reducere a avansurilor la creditele de locuin\u021b\u0103 pentru categorii specifice de clien\u021bi\u201d.<\/p>\n<p>Cu toate acestea, viitorul credit\u0103rii \u2013 \u0219i, implicit, al pie\u021bei tranzac\u021biilor cu locuin\u021be \u2013 nu arat\u0103 cu mult mai bine. \u201e\u00cen contextul \u00een care mai multe institu\u021bii bancare au anun\u021bat m\u0103suri specifice de sc\u0103dere a avansurilor, aspectul nu rezolv\u0103 problemele pentru pia\u021ba bancar\u0103 \u00een general \u0219i nici nu elimin\u0103 dezavantajele create at\u00e2t pentru b\u0103nci, c\u00e2t \u0219i pentru clien\u021bi\u201d, spun oficialii BCR. Potrivit acestora, b\u0103ncile nu vor putea ignora riscul general creat de darea \u00een plat\u0103, ci vor putea identifica doar solu\u021bii particulare, \u00een func\u021bie de profilul clien\u021bilor \u0219i lichiditatea pie\u021belor imobiliare regionale. Astfel, poate c\u0103 avansurile vor mai fi \u201ecalibrate\u201d, dar asta va \u00eensemna de fapt o perioad\u0103 redus\u0103 de creditare sau aplicarea unor criterii de venit mult mai stricte. <\/p>\n<p>Unde mai pui c\u0103, la fel ca \u00een cazul celor doi timi\u0219oreni, \u0219i un avans de 20-25% este, pentru mul\u021bi, pur \u0219i simplu prea mare&#8230;<\/p>\n<blockquote><p>\u201eEvolu\u021bia recent\u0103 a credit\u0103rii pentru locuin\u021be a avut un ritm de cre\u0219tere sus\u021binut de 9-10% anual. (&#8230;) \u00cen acest moment, se poate estima cu realism faptul c\u0103 ritmul de cre\u0219tere a credit\u0103rii pentru locuin\u021be va \u00eencetini semnificativ, \u00een contradic\u021bie cu nevoile generate de calitatea sc\u0103zut\u0103 a fondului locativ din Rom\u00e2nia (locuin\u021be vechi, aglomerate \u0219i \u00eenghesuite, cu nevoie de moderniz\u0103ri \u0219i reabilit\u0103ri \u0219i chiar cu risc seismic ridicat).\u201d<\/p>\n<p><em><strong>BCR<\/strong><\/em><\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Finan\u021barea r\u0103m\u00e2ne o problem\u0103 spinoas\u0103 pentru majoritatea poten\u021bialilor cump\u0103r\u0103tori de locuin\u021be. Din 2014 \u00eencoace, pia\u021ba reziden\u021bial\u0103 autohton\u0103 \u0219i-a revenit \u00een mod vizibil: pre\u021burile \u0219i-au \u00eencetat cursul descendent, volumul tranzac\u021biilor a crescut, la fel ca \u0219i apetitul pentru dezvoltarea de noi proiecte. Acum \u00eens\u0103 noi dificult\u0103\u021bi pun sub semnul \u00eentreb\u0103rii men\u021binerea acestei tendin\u021be pe termen lung. [&hellip;]<\/p>\n","protected":false},"author":829,"featured_media":38432,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[1410,1548,1411,451],"content_author":[],"class_list":["post-38428","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-stiri","tag-newsletter","tag-prima-casa","tag-principal","tag-proprietar"],"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>\u00centre ciocan \u0219i nicoval\u0103? Despre Prima Cas\u0103 \u0219i darea \u00een plat\u0103 - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Finan\u021barea r\u0103m\u00e2ne o problem\u0103 spinoas\u0103 pentru majoritatea poten\u021bialilor cump\u0103r\u0103tori de locuin\u021be. Din 2014 \u00eencoace, pia\u021ba reziden\u021bial\u0103 autohton\u0103 \u0219i-a\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/intre-ciocan-si-nicovala-despre-prima-casa-si-darea-in-plata_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00centre ciocan \u0219i nicoval\u0103? Despre Prima Cas\u0103 \u0219i darea \u00een plat\u0103\" \/>\n<meta property=\"og:description\" content=\"Finan\u021barea r\u0103m\u00e2ne o problem\u0103 spinoas\u0103 pentru majoritatea poten\u021bialilor cump\u0103r\u0103tori de locuin\u021be. 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