{"id":38704,"date":"2016-09-05T10:21:37","date_gmt":"2016-09-05T07:21:37","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=38704"},"modified":"2016-09-05T10:21:37","modified_gmt":"2016-09-05T07:21:37","slug":"iti-doresti-o-casa-o-alternativa-la-finantarea-bancara-avantaje-si-dezavantaje","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/iti-doresti-o-casa-o-alternativa-la-finantarea-bancara-avantaje-si-dezavantaje_db\/","title":{"rendered":"\u00ce\u021bi dore\u0219ti o cas\u0103? O alternativ\u0103 la finan\u021barea bancar\u0103: avantaje \u0219i dezavantaje"},"content":{"rendered":"

Pentru cump\u0103r\u0103torii care nu vor \u2013 sau nu pot \u2013 s\u0103 contracteze un credit.<\/strong><\/p>\n

\u00cen contextul \u00een\u0103spririi condi\u021biilor de creditare de anul acesta, ob\u021binerea finan\u021b\u0103rii necesare pentru achizi\u021bia unei locuin\u021be reprezint\u0103 o problem\u0103 pentru destui rom\u00e2ni. O solu\u021bie interesant\u0103 pus\u0103 la dispozi\u021bie de c\u0103tre unii dezvoltatori de locuin\u021be este cea a achit\u0103rii \u00een rate a propriet\u0103\u021bii dorite. Condi\u021biile oferite pot fi diferite de la caz la caz, \u00eens\u0103 avantajele \u0219i dezavantajele acestei metode sunt, \u00een esen\u021b\u0103, acelea\u0219i. <\/p>\n

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

S\u0103pt\u0103m\u00e2na trecut\u0103, dezvoltatorul imobiliar Tagor a anun\u021bat introducerea acestei modalit\u0103\u021bi de finan\u021bare (\u0219i) pentru ansamblul reziden\u021bial Adora Forest<\/a>, din Timi\u0219oara. Sistemul presupune plata unui avans de 30% din valoarea apartamentului, restul sumei urm\u00e2nd a fi achitate \u00een rate egale pe o perioad\u0103 de p\u00e2n\u0103 la \u0219ase ani. <\/p>\n

Asta \u00eenseamn\u0103 c\u0103, pentru un apartament cu trei camere \u015fi o suprafa\u0163\u0103 construit\u0103 de 90 de metri p\u0103tra\u021bi, cu un pre\u021b de v\u00e2nzare de 70.400 de euro (plus TVA), un cump\u0103r\u0103tor ar trebui s\u0103 achite un avans de 21.120 de euro (plus TVA), apoi rate lunare egale, \u00een valoare de 886 de euro (plus TVA), timp de \u0219ase ani. Suma total\u0103 pl\u0103tit\u0103 la finalul acestei perioade va ajunge astfel la aproape 84.912 de euro, diferen\u021ba reprezent\u00e2nd dob\u00e2nda perceput\u0103 de c\u0103tre dezvoltator pentru aceast\u0103 perioad\u0103. <\/p>\n

O solu\u021bie, dar nu pentru oricine<\/strong>
\nPe l\u00e2ng\u0103 criteriile de eligibilitate mult mai flexibile, sistemul ratelor la dezvoltator ofer\u0103 avantajul de a sc\u0103pa de plata ratei mult mai repede comparativ cu majoritatea celor care apeleaz\u0103 la un credit. \u00cen plus, suma total\u0103 rambursat\u0103 este cu doar 20% mai mare dec\u00e2t pre\u021bul locuin\u021bei \u2013 \u00een condi\u021biile \u00een care, \u00een cazul unui \u00eemprumut ipotecar, ajungi s\u0103 pl\u0103te\u0219ti de dou\u0103 ori (sau chiar mai mult) casa.<\/p>\n

Dezavantajul major al acestei solu\u021bii este, \u0219i el, evident: valoarea ridicat\u0103 a ratei lunare, pe care nu oricine \u0219i-o poate permite. \u201eAceasta este o op\u0163iune pentru segmentul de clien\u0163i cu o situa\u0163ie financiar\u0103 peste medie \u015fi care nu doresc s\u0103 piard\u0103 timpul cu procedurile standard ale b\u0103ncilor, av\u00e2nd \u00een vedere \u015fi faptul c\u0103 b\u0103ncile au \u00een\u0103sprit condi\u0163iile de creditare \u00eenc\u0103 din prim\u0103var\u0103\u201d, explic\u0103 Andreea Hamza, director de marketing \u015fi v\u00e2nz\u0103ri pentru proiectele reziden\u0163iale dezvoltate de Tagor. <\/p>\n

4 proiecte, 3.500 de unit\u0103\u021bi locative<\/strong>
\nPrima faz\u0103 a proiectului Adora Forest a fost finalizat\u0103 \u00een urm\u0103 cu un an, aduc\u00e2nd pe pia\u0163\u0103 107 de apartamente \u015fi garsoniere \u00eentr-un bloc de 11 etaje, dintre care peste 70% au fost deja contractate. \u201eV\u00e2nz\u0103rile merg foarte bine, Timi\u015foara este un centru economic preferat de foarte mul\u0163i investitori, care creeaz\u0103 noi locuri de munc\u0103 bine pl\u0103tite. Suntem convin\u015fi c\u0103 noua op\u0163iune de achizi\u0163ie, prin rate la dezvoltator, va da un nou impuls v\u00e2nz\u0103rilor\u201d, este de p\u0103rere Mihaela Matei, reprezentant de v\u00e2nz\u0103ri \u00een cadrul Hitch & Mosher, agen\u0163ia exclusiv\u0103 a proiectului Adora Forest. <\/p>\n

\u00cen toamna anului trecut, reprezentan\u021bii Tagor eviden\u021biau popularitatea sistemului de rate la dezvoltator, acesta fiind preferat de peste 50% dintre cump\u0103r\u0103torii ansamblului Adora Urban Village, amplasat \u00een apropierea Bucure\u0219tiului (\u00een ora\u0219ul Bragadiru). O situa\u021bie extrem de interesant\u0103, mai ales \u00een contextul unei pie\u021be dominate (pe atunci) de tranzac\u021biile prin Prima Cas\u0103.<\/p>\n

Cite\u0219te \u0219i: Cum s\u0103 achi\u021bi o cas\u0103 \u00een 6 ani – f\u0103r\u0103 rate la banc\u0103!<\/a><\/strong><\/em><\/p>\n

Proiectele Adora reprezint\u0103 rezultatul unei colabor\u0103ri \u00eentre fondul britanic Patron Capital \u0219i dezvoltatorul imobiliar \u015fi administratorul de propriet\u0103\u0163i Tagor. Cei doi juc\u0103tori au \u00een prezent \u00een derulare patru ansambluri reziden\u021biale \u2013 dou\u0103 \u00een Bucure\u0219ti, unul \u00een Arad \u0219i unul \u00een Timi\u0219oara. Acestea sunt proiectate s\u0103 cuprind\u0103, la finalizare, circa 3.500 de unit\u0103\u021bi locative, \u00een urma unor investi\u021bii de circa 250 de milioane de euro.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pentru cump\u0103r\u0103torii care nu vor \u2013 sau nu pot \u2013 s\u0103 contracteze un credit. \u00cen contextul \u00een\u0103spririi condi\u021biilor de creditare de anul acesta, ob\u021binerea finan\u021b\u0103rii necesare pentru achizi\u021bia unei locuin\u021be reprezint\u0103 o problem\u0103 pentru destui rom\u00e2ni. O solu\u021bie interesant\u0103 pus\u0103 la dispozi\u021bie de c\u0103tre unii dezvoltatori de locuin\u021be este cea a achit\u0103rii \u00een rate a […]<\/p>\n","protected":false},"author":829,"featured_media":38705,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[333,480,1410,1411],"content_author":[],"class_list":{"0":"post-38704","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-stiri","8":"tag-ansambluri-rezidentiale","9":"tag-cumparator","10":"tag-newsletter","11":"tag-principal"},"yoast_head":"\n\u00ce\u021bi dore\u0219ti o cas\u0103? 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