{"id":38688,"date":"2016-09-05T07:53:10","date_gmt":"2016-09-05T04:53:10","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=38688"},"modified":"2016-09-05T07:53:10","modified_gmt":"2016-09-05T04:53:10","slug":"bancile-largesc-gura-pungii-la-creditele-pentru-locuinte","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/bancile-largesc-gura-pungii-la-creditele-pentru-locuinte_db\/","title":{"rendered":"B\u0103ncile l\u0103rgesc gura pungii la creditele pentru locuin\u021be!"},"content":{"rendered":"

Cump\u0103r\u0103torii pot lua din nou \u00eemprumuturi cu avans mai mic, de 15-20%.<\/strong><\/p>\n

Au trecut aproape patru luni de la intrarea \u00een vigoare a legii d\u0103rii \u00een plat\u0103, timp \u00een care activitatea de tranzac\u021bionare de locuin\u021be a \u00eencetinit vizibil, \u00een special odat\u0103 cu epuizarea fondurilor pentru Prima Cas\u0103. Pia\u021ba credit\u0103rii d\u0103 \u00eens\u0103 semne de rea\u0219ezare. \u00cen a\u0219teptarea supliment\u0103rii fondurilor pentru programul guvernamental, b\u0103ncile \u00eembun\u0103t\u0103\u021besc condi\u021biile de accesibilitate pentru clien\u021bii care doresc s\u0103 contracteze un \u00eemprumut pentru achizi\u021bia unei locuin\u021be. <\/p>\n

\"punga<\/a><\/p>\n

Dup\u0103 ce au anun\u021bat luna trecut\u0103 decizia de a diminua avansul minim solicitat pentru un credit ipotecar standard de la 35% la 25% \u00een cele mai mari 20 de ora\u0219e ale \u021b\u0103rii, reprezentan\u021bii B\u0103ncii Comerciale Rom\u00e2ne (BCR) merg \u0219i mai departe. Astfel, posibilitatea de a accesa un \u00eemprumut cu avans de 25% a fost extins\u0103 la 42 de localit\u0103\u021bi ale \u021b\u0103rii (vezi tabel)<\/strong>, \u00een func\u021bie de evolu\u021biile pie\u021belor locale. Ba chiar mai mult dec\u00e2t at\u00e2t: BCR va permite ca avansul minim pentru acordarea unui credit s\u0103 scad\u0103 la 15% \u00een oricare dintre cele 42 de localit\u0103\u021bi, dac\u0103 perioada de acordare a \u00eemprumutului va fi de maximum 20 de ani.<\/p>\n

Cite\u0219te \u0219i: Pia\u021ba locuin\u021belor f\u0103r\u0103 Prima Cas\u0103<\/a><\/strong><\/em><\/p>\n

\n

Lista localit\u0103\u021bilor unde BCR acord\u0103 credite cu avans de 25% \u0219i, respectiv, 15% (pe maximum 20 de ani)<\/strong><\/p>\n\n\n\n\n\n<\/p>\n\n<\/p>\n\n<\/p>\n\n<\/p>\n\n<\/p>\n\n<\/p>\n\n<\/p>\n\n<\/p>\n\n<\/p>\n\n<\/p>\n
Jude\u021b:<\/strong><\/td>\nLocalit\u0103\u021bi:<\/strong><\/td>\nJude\u021b:<\/strong><\/td>\nLocalit\u0103\u021bi:<\/strong><\/td>\n<\/tr>\n
–<\/td>\nBucure\u0219ti<\/td>\n

<\/p>\n

Constan\u021ba<\/td>\n

<\/strong><\/p>\n

Constan\u021ba, Mangalia, N\u0103vodari<\/td>\n<\/tr>\n
Alba<\/td>\n

<\/strong><\/p>\n

Alba Iulia<\/td>\n

<\/p>\n

Dolj<\/td>\n

<\/strong><\/p>\n

Craiova<\/td>\n<\/tr>\n
Arad<\/td>\n

<\/strong><\/p>\n

Arad<\/td>\n

<\/p>\n

Gala\u021bi<\/td>\n

<\/strong><\/p>\n

Gala\u021bi<\/td>\n<\/tr>\n
Arge\u0219<\/td>\n

<\/strong><\/p>\n

Mioveni, Pite\u0219ti<\/td>\n

<\/p>\n

Ia\u0219i<\/td>\n

<\/strong><\/p>\n

Ia\u0219i<\/td>\n<\/tr>\n
Bac\u0103u<\/td>\n

<\/strong><\/p>\n

Bac\u0103u<\/td>\n

<\/p>\n

Ilfov<\/td>\n

<\/strong><\/p>\n

Bragadiru, Chiajna, Chitila, M\u0103gurele, Otopeni, Pope\u0219ti Leordeni, \u0218tef\u0103ne\u0219tii de Jos, Voluntari<\/td>\n<\/tr>\n
Bihor<\/td>\n

<\/strong><\/p>\n

Oradea<\/td>\n

<\/p>\n

Maramure\u0219<\/td>\n

<\/strong><\/p>\n

Baia Mare<\/td>\n<\/tr>\n
Boto\u0219ani<\/td>\n

<\/strong><\/p>\n

Boto\u0219ani<\/td>\n

<\/p>\n

Mure\u0219<\/td>\n

<\/strong><\/p>\n

T\u00e2rgu Mure\u0219<\/td>\n<\/tr>\n
Br\u0103ila<\/td>\n

<\/strong><\/p>\n

Br\u0103ila<\/td>\n

<\/p>\n

Prahova<\/td>\n

<\/strong><\/p>\n

C\u00e2mpina, Ploie\u0219ti, Sinaia<\/td>\n<\/tr>\n
Bra\u0219ov<\/td>\n

<\/strong><\/p>\n

Bra\u0219ov, S\u0103cele, S\u00e2npetru<\/td>\n

<\/p>\n

Satu Mare<\/td>\n

<\/strong><\/p>\n

Satu Mare<\/td>\n<\/tr>\n
Buz\u0103u<\/td>\n

<\/strong><\/p>\n

Buz\u0103u<\/td>\n

<\/p>\n

Sibiu<\/td>\n

<\/strong><\/p>\n

Cisn\u0103die, \u0218elimb\u0103r, Sibiu<\/td>\n<\/tr>\n
Cluj<\/td>\n

<\/strong><\/p>\n

Cluj-Napoca, Flore\u0219ti<\/td>\n

<\/p>\n

Timi\u0219<\/td>\n

<\/strong><\/p>\n

Timi\u0219oara, Dumbr\u0103vi\u021ba, Giroc, Mo\u0219ni\u021ba Nou\u0103<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Sursa: BCR<\/strong><\/em><\/p>\n<\/div>\n

Condi\u021bii preferen\u021biale pentru ora\u0219ele mari \u0219i mijlocii<\/strong>
\nPotrivit oficialilor b\u0103ncii, aceast\u0103 decizie are ca principal argument faptul c\u0103 marea majoritate a solicit\u0103rilor de credit ipotecar se concentreaz\u0103 \u00een centrele urbane mari \u0219i mijlocii, acolo unde pre\u021burile locuin\u021belor sunt mai mari, gradul de lichiditate mai crescut, iar pia\u021ba mai dinamic\u0103. \u201eAm identificat solu\u021bii de sc\u0103dere a avansurilor pentru creditele ipotecare, \u00een pofida riscurilor create de Legea Darea \u00een Plat\u0103, deoarece avem o responsabilitate fa\u021b\u0103 de accesibilitatea creditului ipotecar \u00een Rom\u00e2nia. Ne str\u0103duim s\u0103 oferim o solu\u021bie real\u0103 la problema calit\u0103\u021bii sc\u0103zute 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, spune Dana Demetrian, Vicepresedinte Retail BCR.<\/p>\n

Cite\u0219te \u0219i: Pia\u021ba locuin\u021belor f\u0103r\u0103 Prima Cas\u0103<\/a><\/strong><\/em><\/p>\n

Pe de alt\u0103 parte, CEC Bank a anun\u021bat lansarea unei campanii promo\u021bionale la creditele ipotecare \u00een lei, ce se va desf\u0103\u0219ura de la \u00eenceputul lunii septembrie p\u00e2n\u0103 la sf\u00e2r\u0219itul acestui an. Vizate sunt \u00eemprumuturile \u00een valoare de p\u00e2n\u0103 la 250.000 euro (inclusiv), echivalent \u00een lei, destinate cump\u0103r\u0103rii \u0219i construirii de locuin\u021be \u00een Bucure\u0219ti \u0219i re\u0219edin\u021bele de jude\u021b ale \u021b\u0103rii. <\/p>\n

\u00cen cadrul campaniei, clien\u021bii interesa\u021bi pot beneficia de dob\u00e2nzi mai sc\u0103zute, dar \u0219i de posibilitatea de a accesa un credit cu avans minim de 20%. \u201eLa prezentarea unui avans egal sau mai mare de 30%, nivelul dob\u00e2nzii practicate va fi ROBOR 6M + 2,15% p.a. (\u00een cazul \u00een care creditul se achizi\u021bioneaz\u0103 la pachet cu credit prin card), respectiv ROBOR 6M + 2,25% p.a. (f\u0103r\u0103 achizi\u021bionarea \u00eempreun\u0103 cu credit prin card). Pentru un avans cuprins \u00eentre 20 \u0219i 30%, dob\u00e2nda va fi ROBOR 6M + 2,40% p.a. (\u00een cazul \u00een care creditul se achizi\u021bioneaz\u0103 la pachet cu credit prin card), respectiv ROBOR 6M + 2,50% (f\u0103r\u0103 achizi\u021bionarea \u00eempreun\u0103 cu credit prin card).\u201d, explic\u0103 reprezentan\u021bii b\u0103ncii. CEC Bank acord\u0103 credite ipotecare \u00een lei (pentru cump\u0103rarea \u0219i construirea de locuin\u021be) pe o perioad\u0103 de p\u00e2n\u0103 la 35 de ani. <\/p>\n

Potrivit Ministrului Finan\u021belor, Anca Dragu, o decizie privind suplimentarea \u201epe termen scurt\u201d a fondurilor pentru Prima Cas\u0103 urmeaz\u0103 a fi anun\u021bat\u0103 \u00een luna septembrie. Pentru anul 2016, programul dispune de un plafon aprobat de 8,1 miliarde de lei \u2013 sum\u0103 din care s-a folosit p\u00e2n\u0103 acum doar aproximativ un sfert. <\/p>\n","protected":false},"excerpt":{"rendered":"

Cump\u0103r\u0103torii pot lua din nou \u00eemprumuturi cu avans mai mic, de 15-20%. Au trecut aproape patru luni de la intrarea \u00een vigoare a legii d\u0103rii \u00een plat\u0103, timp \u00een care activitatea de tranzac\u021bionare de locuin\u021be a \u00eencetinit vizibil, \u00een special odat\u0103 cu epuizarea fondurilor pentru Prima Cas\u0103. Pia\u021ba credit\u0103rii d\u0103 \u00eens\u0103 semne de rea\u0219ezare. \u00cen […]<\/p>\n","protected":false},"author":829,"featured_media":38689,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[294,1410,1411,451],"content_author":[],"class_list":["post-38688","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-stiri","tag-credite-2","tag-newsletter","tag-principal","tag-proprietar"],"yoast_head":"\nB\u0103ncile l\u0103rgesc gura pungii la creditele pentru locuin\u021be! - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Cump\u0103r\u0103torii pot lua din nou \u00eemprumuturi cu avans mai mic, de 15-20%. 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