{"id":39197,"date":"2016-11-11T12:46:03","date_gmt":"2016-11-11T10:46:03","guid":{"rendered":"https:\/\/www.imobiliare.ro\/?p=39197"},"modified":"2016-11-11T12:46:03","modified_gmt":"2016-11-11T10:46:03","slug":"accesul-la-finantare-deblocheaza-tranzactiile-cu-locuinte","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/accesul-la-finantare-deblocheaza-tranzactiile-cu-locuinte_db\/","title":{"rendered":"Accesul la finan\u021bare deblocheaz\u0103 tranzac\u021biile cu locuin\u021be!"},"content":{"rendered":"

Fa\u021b\u0103 de perioada de var\u0103, \u00een momentul de fa\u021b\u0103 se simte o revigorare sensibil\u0103 a cererii.<\/strong><\/p>\n

Anul acesta a fost unul atipic pentru pia\u021ba reziden\u021bial\u0103 autohton\u0103. Pe fondul discu\u021biilor \u0219i apoi aprob\u0103rii legii d\u0103rii \u00een plat\u0103, aceasta a trecut de la un nivel record al cererii (dar \u0219i al volumului de tranzac\u021bii) \u00een primele patru luni ale anului la o stare de expectativ\u0103 pe care unii juc\u0103tori din pia\u021b\u0103 au resim\u021bit-o ca un veritabil blocaj pe timp de var\u0103. <\/p>\n

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

De c\u00e2nd a ap\u0103rut darea \u00een plat\u0103, pia\u021ba s-a cam blocat, lumea a fost panicat\u0103, spune Cristina Ciobanu, reprezentanta agen\u021biei clujene Re\/Max Grup de Lux. Pentru unii a fost un blocaj de natur\u0103 psihic\u0103, pentru al\u021bii chiar unul de natur\u0103 financiar\u0103, \u00een condi\u021biile major\u0103rii avansurilor solicitate de c\u0103tre b\u0103nci pentru creditele standard de la un minimum de 15% la 30% sau chiar 35%. Potrivit lui Claudiu Ha\u021began, broker\/owner al agen\u021biei bucure\u0219tene Klauss&Partners, un rol important \u00een apari\u021bia acestei situa\u021bii l-au avut \u00eens\u0103 \u0219i sincopele ap\u0103rute \u00een func\u021bionarea programului Prima Cas\u0103. \u00cen opinia sa, darea \u00een plat\u0103 a bulversat pia\u021ba, dar Prima Cas\u0103 a fost cea care a blocat-o.<\/p>\n

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

Astfel, dac\u0103 \u00een anii trecu\u021bi activitatea de tranzac\u021bionare era sus\u021binut\u0103 de programul guvernamental chiar \u0219i pe timp de var\u0103, \u00een 2016 nu s-a mai \u00eent\u00e2mplat a\u0219a. Dat fiind c\u0103 atmosfera din pia\u021b\u0103 este mult influen\u021bat\u0103 de ceea ce se \u00eent\u00e2mpl\u0103 \u00een sectorul bancar, majoritatea celor care \u00ee\u0219i doreau s\u0103 achizi\u021bioneze o locuin\u021b\u0103 au intrat \u00een a\u0219teptare \u2013 inclusiv cei care ar fi dispus de fonduri proprii pentru o tranzac\u021bie sau care \u0219i-ar fi permis s\u0103 contracteze un credit cu un avans mai mare. Au ap\u0103rut mul\u021bi cump\u0103r\u0103tori oportuni\u0219ti, care a\u0219teptau ca pre\u021burile s\u0103 se pr\u0103bu\u0219easc\u0103 \u2013 fapt ce nu s-a \u00eent\u00e2mplat.<\/p>\n

\u00centre darea \u00een plat\u0103 \u0219i Prima Cas\u0103<\/strong>
\nAcum \u00eens\u0103, lucrurile par s\u0103 fi revenit la normal. La acest fapt au contribuit doi factori majori: continuarea programului Prima Cas\u0103 (chiar dac\u0103 suplimentarea fondurilor se face \u201ecu pic\u0103tura\u201d), pe de o parte, \u0219i decizia unora dintre cele mai mari b\u0103nci din pia\u021b\u0103 de a reduce avansurile minime solicitate pentru creditele ipotecare, pe de alt\u0103 parte. <\/p>\n

Cite\u0219te \u0219i:
\nNoi fonduri pentru Prima Cas\u0103!<\/a>
\nB\u0103ncile l\u0103rgesc gura pungii la creditele pentru locuin\u021be!<\/a><\/strong><\/em><\/p>\n

Cel mai recent anun\u021b \u00een acest sens a fost f\u0103cut de Raiffeisen Bank. Reprezentan\u021bii b\u0103ncii au lansat, de fapt, un nou credit imobiliar, cu dob\u00e2nd\u0103 fix\u0103 \u00een primii \u0219apte ani (5,25% pe an pentru clien\u021bii cu card de salariu la Raiffeisen \u0219i 5,5% pentru cei standard) \u0219i avans pornind de la 20% pentru 11 jude\u021be ale \u021b\u0103rii (solu\u021bii similare fiind aplicate \u0219i de BCR \u0219i CEC Bank). <\/p>\n

\u201eNe-am preocupat s\u0103 g\u0103sim o solu\u021bie de creditare imobiliar\u0103 \u00een a\u0219a fel \u00eenc\u00e2t s\u0103 protej\u0103m \u0219i clien\u021bii, \u0219i banca de riscurile care pot ap\u0103rea \u00een contextul legislativ \u0219i economic actual. Posibilitatea de a avea dob\u00e2nd\u0103 fix\u0103 timp de \u0219apte ani protejeaz\u0103 clientul \u00een toat\u0103 aceast\u0103 perioad\u0103 de varia\u021biile dob\u00e2nzii, \u021bin\u00e2nd cont c\u0103 ROBOR e la un minim istoric acum. \u00cen acela\u0219i timp, ne-am preocupat s\u0103 oferim clien\u021bilor o alternativ\u0103 viabil\u0103 la creditul Prima Cas\u0103.\u201d<\/p>\n

Vladimir Kalinov, vicepre\u0219edinte Aria Retail, Raiffeisen Bank<\/strong><\/em><\/p><\/blockquote>\n

Suma minim\u0103 solicitat\u0103 de c\u0103tre banc\u0103 este diferen\u021biat\u0103 \u00een func\u021bie de indicatorii imobiliari \u0219i economici ai zonei: dinamica pie\u021bei imobiliare, concentrarea de proiecte imobiliare, poten\u021bialul de creditare, nevoia de credite etc. Astfel, ora\u0219ele mari \u0219i c\u00e2teva localit\u0103\u021bi-satelit ale acestora sunt cele care cumuleaz\u0103 \u00een cea mai mare m\u0103sur\u0103 factorii men\u021biona\u021bi mai sus, fapt pentru care beneficiaz\u0103 de un avans de 20% pentru creditele acordate pentru o perioad\u0103 de p\u00e2n\u0103 la 30 de ani. <\/p>\n

\nLista localit\u0103\u021bilor unde Raiffeisen Bank acord\u0103 credite cu avans de 20%<\/strong><\/p>\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\n<\/p>\n
Jude\u021b:<\/strong><\/td>\nLocalit\u0103\u021bi:<\/strong><\/td>\n<\/tr>\n
Arad<\/td>\n

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

Arad<\/td>\n<\/tr>\n
Arge\u0219<\/td>\n

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

Ba\u0219cov, Bradu, Pite\u0219ti<\/td>\n<\/tr>\n
Bihor<\/td>\n

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

Biharia, Oradea<\/td>\n<\/tr>\n
Bra\u0219ov<\/td>\n

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

Bra\u0219ov<\/td>\n<\/tr>\n
Bucure\u0219ti<\/td>\n

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

Bucure\u0219ti<\/td>\n<\/tr>\n
Cluj<\/td>\n

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

Cluj-Napoca<\/td>\n<\/tr>\n
Constan\u021ba<\/td>\n

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

Agigea, Constan\u021ba, Cump\u0103na, Mamaia, N\u0103vodari, Ovidiu<\/td>\n<\/tr>\n
Ia\u0219i<\/td>\n

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

Aroneanu, Breazu, Ia\u0219i<\/td>\n<\/tr>\n
Ilfov<\/td>\n

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

Berceni, Bragadiru, Chiajna, Dobroe\u0219ti, Domne\u0219ti, Otopeni, Pope\u0219ti Leordeni, Voluntari<\/td>\n<\/tr>\n
Prahova<\/td>\n

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

Blejoi, Bucov, Ploie\u0219ti<\/td>\n<\/tr>\n
Timi\u0219<\/td>\n

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

Ghiroda, Timi\u0219oara<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Sursa: Raiffeisen Bank<\/strong><\/em>\n<\/div>\n

Pre\u021bul cerut a crescut, dar nu \u0219i cel ob\u021binut!<\/strong>
\n\u00cen acest context, consultan\u021bii imobiliari se arat\u0103 optimi\u0219ti. \u00cen septembrie \u0219i octombrie s-a sim\u021bit o revigorare a pie\u021bei din punctul de vedere al volumului de tranzac\u021bii, recunoa\u0219te Lucian Baciu, reprezentantul agen\u021biei bucure\u0219tene Magnolia Imobiliare, iar acum lucrurile au intrat pe un f\u0103ga\u0219 firesc. \u201eLucrurile se normalizeaz\u0103, b\u0103ncile au re\u00eenceput s\u0103 dea credite. Ceea ce ajut\u0103 \u00een momentul \u0103sta pia\u021ba e c\u0103 Prima Cas\u0103 func\u021bioneaz\u0103, chiar dac\u0103 st\u00e2ngaci. M\u0103 a\u0219tept ca Prima Cas\u0103 s\u0103 continue, pentru c\u0103 e \u00abun r\u0103u necesar\u00bb, \u00een special datorit\u0103 avansului mic\u201d, subliniaz\u0103 Claudiu Ha\u021began. \u00cen momentul de fa\u021b\u0103, pia\u021ba e destul de reglat\u0103, e chiar \u00een cre\u0219tere din punctul de vedere al cererii, spune \u0219i Cristina Ciobanu.<\/p>\n

Spre final de an, perspectivele asupra pie\u021bei reziden\u021biale sunt, a\u0219adar, pozitive. \u201eM\u0103 a\u0219tept ca lucrurile s\u0103 o ia e un f\u0103ga\u0219 pozitiv anul viitor din punctul de vedere al tranzac\u021biilor \u0219i, posibil, \u0219i din punctul de vedere al pre\u021burilor\u201d, estimeaz\u0103 reprezentantul Klauss&Partners. Pe parcursul acestui an, se poate spune c\u0103, per ansamblu, valorile de tranzac\u021bionare au r\u0103mas, la nivelul Capitalei cel pu\u021bin, relativ constante, puncteaz\u0103 Ha\u021began. De aceea\u0219i p\u0103rere este \u0219i Lucian Baciu: potrivit acestuia, majorarea num\u0103rului de tranzac\u021bii din prima parte a anului a dus la cre\u0219terea optimismului proprietarilor \u2013 \u0219i, implicit, a pre\u021burilor cerute. Acest avans nu s-a reflectat \u00eens\u0103 \u0219i la nivelul pre\u021bului ob\u021binut. <\/p>\n","protected":false},"excerpt":{"rendered":"

Fa\u021b\u0103 de perioada de var\u0103, \u00een momentul de fa\u021b\u0103 se simte o revigorare sensibil\u0103 a cererii. Anul acesta a fost unul atipic pentru pia\u021ba reziden\u021bial\u0103 autohton\u0103. Pe fondul discu\u021biilor \u0219i apoi aprob\u0103rii legii d\u0103rii \u00een plat\u0103, aceasta a trecut de la un nivel record al cererii (dar \u0219i al volumului de tranzac\u021bii) \u00een primele patru […]<\/p>\n","protected":false},"author":829,"featured_media":39201,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,259],"tags":[1410,1411,451,1360],"content_author":[],"class_list":["post-39197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credite","category-stiri","tag-newsletter","tag-principal","tag-proprietar","tag-vanzare-apartamente"],"yoast_head":"\nAccesul la finan\u021bare deblocheaz\u0103 tranzac\u021biile cu locuin\u021be! - Credite, \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Fa\u021b\u0103 de perioada de var\u0103, \u00een momentul de fa\u021b\u0103 se simte o revigorare sensibil\u0103 a cererii. 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